General information:
Multi-currency account (13 currencies) from Swissquote.
The account can only be opened by residents of Switzerland, Germany, Italy, France, Austria, Liechtenstein, Spain, Cyprus and the United Kingdom.
There are no surcharges for card payments (online or in-store).
SEPA payments are free of charge.
Non-SEPA payments: varying costs (depending on the currency).
Age:
For individuals from the age of 18.
Account type:
Online Account
Currency:
CHF
Interest rate:
Up to CHF 200,000: 0.1% per year.
From CHF 200,000 to CHF 500,000: 0.25% per year.
From CHF 500,000: 0.5% per year.
From CHF 200,000 to CHF 500,000: 0.25% per year.
From CHF 500,000: 0.5% per year.
Withdrawals:
Withdrawals up to CHF 25,000 per month are allowed without notice. There is a notice period of 3 months for higher amounts.
Account opening:
The account opening is free of charge.
Account management:
The account management is free of charge.
Closing of account:
The closing of account is free of charge.
Termination of banking relationship:
The termination of the banking relationship is free of charge.
Annual account closure:
The annual account closure is free of charge.
Statements of account:
The monthly statements of account by mail are free of charge.
Incoming payment:
Incoming payment in CHF are free of charge.
Outgoing payment (Switzerland):
Electronic payment orders in CHF are free of charge.
SEPA payment:
Electronic SEPA payment orders in EUR are free of charge.
Non-SEPA payment (abroad):
Fee of CHF 10.00 per electronic non-SEPA payment order in foreign currency.
Direct debit (LSV) Switzerland:
Electronic payment orders by direct debit (LSV) within Switzerland are free of charge.
Standing order Switzerland:
Electronic standing orders in CHF within Switzerland are free charge.
Annual fee debit card:
Debit card: In the first year, there is a fee of 41.40. In the subsequent years, the annual fee is CHF 82.80.
Purchase Switzerland:
Debit card: Purchases in Switzerland in CHF are free of charge.
Purchase abroad:
Debit card: Purchases in foreign currencies are free of charge.
Cash withdrawal Switzerland:
Cash withdrawals at all ATMs in Switzerland in Swiss francs (CHF): 5 withdrawals per month free of charge, then CHF 1.9 per withdrawal.
Cash withdrawal abroad:
Debit card:
Per cash withdrawal abroad, there is a fee of CHF 4.90.
Per cash withdrawal abroad, there is a fee of CHF 4.90.
Special services:
Debit Mastercard
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