How Are Business Bank Account Comparison Results Calculated?

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Results are calculated based on complex, issuer-specific algorithms designed by and on the following factors:

  • The guarantee of editorial independence applies.
  • Business bank account user profiles are defined here.
  • Values in the field “costs minus interest” can be negative if interest returns surpass costs.
  • The calculation of interest also accounts for compounding interest based on average deposit held in accounts and possible variations in interest rates based on deposit amounts.
  • Cost calculations are based on the assumption that transactions will be performed online whenever possible. Cost may be higher if transactions are performed at the till. Account administrative fees and the costs of monthly statements are calculated at non-online rates.
  • The cost of 12 monthly paper statements every year (including postage) are accounted for when accounts charge for this service.
  • One-time account opening and closing fees are included in the total costs of accounts.
  • If a capital deposits account is used, the fees and charges attached to that account are added to total costs.
  • If a Maestro or V-Pay card is not provided, the costs of making international card transactions using alternative cards is accounted for. For Postfinance accounts, for example, the costs of using a Travel Cash Card and Card Direct for foreign transaction are included.
  • Costs of SEPA transfers: If SEPA transactions are not available, the costs of alternative euro transactions are included.
  • Cost of non-SEPA transfers: These can vary based on the country, currency and amount of transfers. Generally, the lowest possible costs are accounted for.
  • Cash withdrawals: Fees for withdrawing money at out-of-network ATMs in Switzerland and abroad are accounted for in the comparison.
  • Costs shown in results apply to residents of Switzerland. Other fees and charges may apply to non-residents.
  • When fees charged during the first year are different to those charged in subsequent years, those charged in subsequent years are used in the calculation.
  • Costs shown are rounded to the second decimal.

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