Bank Cler Current Account

Standard business account

Business type:

SME, Startup, Self-employed, Large company, Association, Non-profit organization, Public-sector entity

Currency:

CHF, USD, EUR

Requirements:

Business current account.

Interest rate:

0% per year.

Debit interest on overdrafts:

The rate of debit interest is 9.5% (CHF).
The rate of debit interest is 8% (EUR).
The rate of debit interest on request (other currencies).

Withdrawals:

Unlimited withdrawal options.

Credit cards:

Mastercard Commercial Card Silber und Mastercard Commercial Card Gold (CHF, EUR, USD) from Viseca cost additional annual fees.

Capital payment:

Nonrecurring costs of capital payment account for GmbH or AG: 0.05%, minimum of CHF 250, maximum of CHF 2000.

Account management costs:

Account opening: free of charge.
Account management costs: CHF 5 per month (E-Set: CHF 2 per month). Booking fees CHF 0.40 per booking (online free of charge).
Close-out of account: free of charge.
Statements of account: monthly, either by post (with postal fees) or electronically via online banking (free of charge).
Account closure: Either by post or electronically via online banking (free of charge, quarterly).

Payment transaction costs:

Incoming payment in CHF (Switzerland): free of charge.
Electronic payment order (Switzerland): CHF: free of charge.
Electronic payment order (abroad): SEPA EUR payments free of charge; other payments (non-SEPA) and currencies CHF 4 per payment.
Non-electronic payment order: depending on order type.
Permanent order: Execution (Switzerland in CHF): free of charge.
Payment by direct debit (LSV and LSV+): free of charge.

Purchases:

Visa Debit: CHF 50 per year.
If total assets of at least CHF 25,000, with a UBS mortgage or construction financing (no ZAK account on this customer base): 1 Visa Debit free of charge.
Purchases in Switzerland in CHF: free of charge.
Purchases in foreign currencies and abroad: CHF 1.50 per purchase.

Cash withdrawals:

Cash withdrawal at own ATMs: free of charge.
Cash withdrawal at ATMs of other banks in CHF: free of charge up to 4 withdrawals per month. From fourth withdrawal per month: CHF 2 per withdrawal.
Cash withdrawal abroad: CHF 5 in addition to foreign exchange rates.

Special services:

Visa Debit, Mobile banking, Online banking, Credit card

Software:

Not specified.

General information:

Business account (current account) at Bank Cler.

Special services within business packages (for example additional overdraft limits, accounts and cards).