Banking Packages
BCN Flexipack Youth
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Banking package for young people
General information:
BCN Flexipack - for young people with a discount of CHF 7 per month. Includes private account, savings account, Debit Mastercard, online banking and mobile banking. Credit cards cost extra.
Age:
For individuals up to the age of 26.
Currencies:
CHF
Package / account management fee:
The account management costs CHF 48.00 per year.
Private account interest rate:
0.3% per year.
Account opening:
The account opening is free of charge.
Closing of account:
The closing of account 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 subject to charges.
Incoming payment:
Incoming payment in CHF are free of charge.
Outgoing payment (Switzerland):
Electronic payment orders in CHF are free of charge.
SEPA payment:
Fee of CHF 0.50 per electronic SEPA payment order in EUR.
Non-SEPA payment (abroad):
Fee of CHF 3.00 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: There is no annual fee to pay.
Purchase Switzerland:
Debit card: Purchases in Switzerland in CHF are free of charge.
Purchase abroad:
Debit card: For purchases in foreign currencies, there is a fee of CHF 1.50.
Cash withdrawal Switzerland:
Debit card:
Cash withdrawals in CHF at ATMs of the same bank in Switzerland are free of charge.For cash withdrawals in CHF at ATMs of other banks in Switzerland, there is a fee of CHF 2.00 per withdrawal.
Cash withdrawals in CHF at ATMs of the same bank in Switzerland are free of charge.For cash withdrawals in CHF at ATMs of other banks in Switzerland, there is a fee of CHF 2.00 per withdrawal.
Cash withdrawal abroad:
Debit card:
Per cash withdrawal abroad, there is a fee of CHF 5.00.
Per cash withdrawal abroad, there is a fee of CHF 5.00.
Savings account interest rate:
Up to CHF 20,000: 0.95% per year.
From CHF 20,000 to CHF 100,000: 0.75% per year.
From CHF 100,000: 0.5% per year.
From CHF 20,000 to CHF 100,000: 0.75% per year.
From CHF 100,000: 0.5% per year.
Savings account
withdrawals:
withdrawals:
Withdrawals up to CHF 50,000 per year are allowed without notice. There is a notice period of 3 months for higher amounts.
Credit card:
The silver credit card (from 18 years) costs an additional CHF 36 per year. Alternatively, a prepaid card from Swiss Bankers is available.
Credit card
Purchase abroad in foreign curency:
Purchase abroad in foreign curency:
For purchases abroad or online in foreign currencies there is an administrative fee of 1.75% of the purchase amount.
Reward program:
Surprize bonus program by Viseca for credit cards.
Pillar 3a account
interest rate:
interest rate:
1% per year.
Termination of banking relationship:
The termination of the banking relationship costs CHF 6.00.
Special services:
Debit Mastercard, Mobile banking, Online banking, Reward programs
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