How are Bank Package User Profiles Defined?

Learn how comparison results are calculated here.

Compare banking packages now

User profiles used in the banking package comparison for the “credit card” and “private account” categories are based on different types of bank customer behavior. Choosing the “Individual profile” option lets you customize information to match your banking needs.

Credt cards

Credit cards – Occasional user: “I use credit cards now and then” (approximately CHF 3,600 in total transactions annually)

  • No cash advances at ATMs.
  • Purchases in Switzerland or online purchases in CHF: 2 transactions per month, total CHF 200 per month.
  • Purchases abroad or online purchases in foreign currencies: 10 transactions of EUR 100 each per year.
  • For prepaid cards – number of reloads per year: 6.

Credit cards – Frequent user: “I use credit cards frequently” (approximately CHF 20,200 in total transactions annually)

  • No cash advances at ATMs.
  • Purchases in Switzerland or online purchases in CHF: 10 transactions per month, CHF 1000 in total monthly purchases.
  • Purchases abroad or online purchases in foreign currencies: 50 transactions of EUR 100 per year.
  • For prepaid cards – number of reloads per year: 6

Credit cards – Infrequent user: “I rarely use credit cards” (around CHF 1800 in total purchases annually)

  • No cash advances at ATMs
  • Purchases in Switzerland or online purchases in CHF: 1 transaction per month, total monthly purchases of CHF 100.
  • Purchases abroad or online purchases in foreign currencies: 5 transactions of EUR 100 per year.
  • Prepaid credit cards – number of reloads per year: 6.

Credit cards – Shopper: “I frequently use my credit card to shop” (around CHF 15,000 in total purchases annually)

  • No cash advances at ATMs.
  • Purchases in Switzerland and online purchases in CHF: 10 transactions per month, total of CHF 1000 in purchases monthly.
  • Purchases abroad or online purchases in foreign currencies: 25 transaction of EUR 100 per year.
  • For prepaid cards – number of reloads per year: 6.

Credit cards – Switzerland-only user: “I only use credit cards in Switzerland” (CHF 5800 in total annual purchases)

  • No cash withdrawals at ATMs.
  • Purchases in Switzerland or online purchases in CHF: 4 purchases per month, CHF 400 in total monthly purchases.
  • For prepaid cards – number of reloads per year: 6.

Credit cards – Abroad-only user: “I only use credit cards outside of Switzerland” (around CHF 7200 in total transactions annually)

  • No cash withdrawals at ATMs.
  • Purchases abroad or online purchases in foreign currencies: 50 transactions of EUR 100 each per year.
  • No purchases in Switzerland.
  • For prepaid cards – number of reloads annually: 6.

Private accounts

Private account – average user:
Number of outgoing CHF transactions in Switzerland annually: 20.
Number of international, outgoing EUR transactions (SEPA) annually: 5
Number of international, outgoing transactions (non-SEPA) annually: 5.
Number of withdrawals at out-of-network ATMs in CHF every year: 25 withdrawals (averaging CHF 100 each).
Withdrawals at out-of-network ATMs outside of Switzerland every year: 10 withdrawals (averaging CHF 200 equivalent per transaction).
Number of paper statements posted annually: 12.
Number of incoming CHF transactions in Switzerland annually: 50.
Number of CHF purchases paid with debit cards in Switzerland annually: 50 purchases (averaging CHF 50 each).
Purchases outside of Switzerland paid with debit cards every year: 5 (averaging CHF 50 each).
Number of online direct debit orders within Switzerland: 2 orders of 12 transactions each.
Number of online standing orders within Switzerland: 2 orders of 12 transactions each.

Private account – Frequent user:
Number of outgoing CHF transactions within Switzerland annually: 100.
Number of international, outgoing EUR transactions (SEPA) annually: 20.
Number of international, outgoing transactions (non-SEPA) annually: 20.
Number of CHF withdrawals at out-of-network ATMs in Switzerland annually: 75 (averaging CHF 100 each).
Number of withdrawals at out-of-network ATMs outside of Switzerland annually: 20 (averaging CHF 200 each).
Number of paper statements posted annually: 12.
Number of incoming CHF transactions within Switzerland annually: 100.
Number of CHF purchases in Switzerland paid by debit card every year: 100 (averaging CHF 100 per purchase).
Number of purchases outside of Switzerland paid by debit card each year: 25 (averaging CHF 100 each).
Number of CH direct debit orders made online: 10 orders of 12 transactions each.
Number of CH standing orders: 10 orders of 12 transactions each.

Private account – Infrequent user:
Number of outgoing CHF transactions within Switzerland annually: 10.
Number of outgoing EUR transactions (SEPA) outside of Switzerland annually: 10.
Number of outgoing, non-SEPA transactions outside of Switzerland annually: 2.
Number of CHF withdrawals at out-of-network ATMs in Switzerland every year: 15 (average of CHF 100 per withdrawal).
Number of withdrawals via out-of-network ATMs outside of Switzerland every year: 2 (average CHF 200 per withdrawal).
Number of paper statements posted annually: 12.
Number of incoming CHF transactions in Switzerland annually: 20.
Number of CHF purchases paid via debit card in Switzerland annually: 20 (average CHF 50 per purchase).
Purchases paid via debit card outside of Switzerland every year: 2 (average CHF 50 per purchase).
Number of CH direct debit orders made online: 1 order made up of 12 transactions.
Number of CH standing orders made online: 1 order made up of 12 transactions.

Private account – Switzerland-only user:
Number of outgoing CHF transactions within Switzerland every year: 50.
Number of outgoing, international EUR transactions (SEPA) every year: none.
Number of outgoing, non-SEPA, international transactions every year: none.
Number of withdrawals at out-of-network ATMs in CHF in Switzerland: 50 (CHF 100 per transaction).
Number of withdrawals at out-of-network ATMs outside of Switzerland every year: none.
Number of bank statements posted every year: 12.
Number of incoming payments in CHF in Switzerland every year: 50.
Purchases paid by debit card in CHF in Switzerland every year: 50 (averaging CHF 50 per transaction).
Purchases paid by debit card outside of Switzerland every year: none.
Number of direct debits in Switzerland: 4 orders of 12 transactions each.
Standing orders in Switzerland: 4 orders of 12 transactions each.

Private account – Abroad-only user:
Number of outgoing CHF transactions in Switzerland annually: none.
Number of outgoing international transactions in EUR every year (SEPA): 20.
Number of outgoing, international transactions (non-SEPA) annually: 20.
Number of CHF withdrawals at out-of-network ATMs in Switzerland annually: none.
Number of withdrawals at out-of-network ATMs abroad every year: 50 withdrawals averaging CHF 200 (equivalent) per transaction.
Number of paper statements posted every year: 12.
Number of incoming CHF transactions per year: none.
Number of purchases in CHF paid via debit card in Switzerland every year: none.
Number of purchases outside of Switzerland paid by debit card every year: 50 purchases averaging CHF 50 per transaction.
Direct debits: none.
Standing orders: none.

About moneyland.ch

moneyland.ch is Switzerland’s independent online comparison service covering banking, insurance and telecom. More than 80 unbiased comparison tools and calculators are available on moneyland.ch, along with useful financial guides and timely news. The comprehensive comparison tools help you to find the right insurance policies, bank accounts, credit and prepaid cards, loans, mortgages, trading accounts and telecom products for your needs.