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Banking Packages

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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, online and mobile banking. Credit cards and Debit Mastercard also available.

Age:

There are no limitations.

Currencies:

CHF

Package / account management fee:

The account management costs CHF 5 per month. Additional private account (CHF, EUR, USD, GBP): + CHF 1 per month. 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):

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: The annual fee is CHF 42.00.

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: 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 5.00.

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