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Banking Packages

CA First

Banking package for individuals
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General information:

Banking package of Crédit Agricole next bank. Included in the package (individual or joint account): Private account, savings account, Debit Mastercard, online and mobile banking. Credit cards also available.
Payments abroad with the Debit Mastercard (France, Germany, Italy, Austria) are free of charge, otherwise cost CHF 2.
Account overdraft possible: up to CHF 1000 (individual account) or CHF 2000 (joint account).

Age:

There are no limitations.

Currencies:

CHF

Package / account management fee:

The account management costs CHF 15 per month. Additional private account (CHF, EUR, USD, GBP): free of charge. Surcharge for paper documents: CHF 6 per month. The first 6 months are free of charge.

Private account interest rate:

0% 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 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):

Electronic Non-SEPA payment orders in foreign currencies are free of charge.

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 2.00.

Cash withdrawal Switzerland:

Cash withdrawal at ATMs of other banks in CHF: free of charge up to 6 withdrawals per calendar year. Above 6 withdrawals per calendar year: CHF 2 per withdrawal.
Applies to cash withdrawals in Switzerland and Liechtenstein.

Cash withdrawal abroad:

Debit card:
Per cash withdrawal abroad, there is a fee of CHF 4.00.

Savings account interest rate:

Up to CHF 100,000: 0.2% per year.
From CHF 100,000: 0% per year.

Savings account
withdrawals:

Withdrawals up to CHF 20,000 per month are allowed without notice. There is a notice period of 3 months for higher amounts.

Credit card:

Different credit cards available, for instance Mastercard Silber / Visa Classic: CHF 100 per year (free of charge in the first year). Gold credit card for half price in the first year.

Credit card
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:

0.65% per year.

Termination of banking relationship:

The termination of the banking relationship is free of charge.

Special services:

Debit Mastercard, Mobile banking, Online banking, Reward programs