How Are Business Account Profiles Defined?

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Profiles are based on the following user behavior:

  • Average user: “My business needs an account and debit card for occasional use both in Switzerland and abroad.”
  • Individual profile: Select this option to customize information to match your business’ needs.
  • Frequent user: “My business needs an account and debit card for frequent use both in Switzerland and abroad.”
  • Frequent user Switzerland-only: “My business needs an account and a debit card for frequent use in Switzerland only.”
  • Infrequent user: “My business needs an account and debit card for infrequent use both in Switzerland and abroad.”
  • Infrequent user Switzerland-only: “My business needs an account and debit card for infrequent use in Switzerland only.”

Values used for the “average user” profile:

  • Number of incoming CHF transactions within Switzerland annually: 240.
  • Number of online, outgoing CHF transactions within Switzerland in CHF annually: 12.
  • Number of online, outgoing, international EUR transactions (SEPA) annually: 5.
  • Number of online, outgoing, international transactions (non-SEPA) annually: 5.
  • Online direct debits within Switzerland: 2 orders of 12 transactions each.
  • Standing orders within Switzerland: 2 orders of 12 transactions each.
  • Number of CHF purchases made using debit cards in Switzerland annually: 25.
  • Number of international purchases made using debit cards annually: 5 (total: CHF: 500).
  • Number of CHF cash withdrawals at out-of-network ATMs in Switzerland annually: 12 (average CHF 200 per withdrawal). 
  • Number of cash withdrawals at out-of-network ATMs abroad annually: 12 (average CHF 200 per withdrawal).
  • Number of paper statements posted every year: 12

Values used for the “Frequent user” profile:

  • Number of incoming CHF transactions annually: 480
  • Number of outgoing, online, CHF transactions in Switzerland annually: 60.
  • Number of international, outgoing, online, EUR transactions (SEPA) annually: 20.
  • Number of international, outgoing, online transactions (non-SEPA) annually: 20.
  • Online direct debits orders within Switzerland: 10 orders of 12 transactions each.
  • Online standing orders within Switzerland: 10 orders of 12 transactions each.
  • Number of CHF purchases paid with debit cards in Switzerland annually: 100
  • Number of international purchases paid with debit cards annually: 50 (total CHF 5000 equivalent).
  • Number of CHF cash withdrawals at out-of-network ATMs in Switzerland annually: 50 (average CHF 200 per withdrawal).
  • Number of international cash withdrawals at out-of-network ATMs annually: 50 (average CHF 200 per withdrawal).
  • Number of paper statements posted every year: 12

Values used for the “frequent user Switzerland-only” profile:

  • Number of incoming CHF transactions within Switzerland annually: 480.
  • Number of outgoing, online CHF transactions annually: 60
  • Number of outgoing, online, international EUR transactions (SEPA) annually: none
  • Number of outgoing, online, international transactions (non-SEPA) annually: none.
  • Online direct debit orders within Switzerland: 10 orders of 12 transactions each.
  • Online standing orders within Switzerland: 10 orders of 12 transactions each
  • Number of CHF purchases paid with a debit card in Switzerland: 100. 
  • Number of international purchases paid with a debit card annually: none.
  • Number of CHF cash withdrawals at out-of-network ATMs within Switzerland annually: 50 (average CHF 200 per withdrawal).
  • International cash withdrawals at out-of-network ATMs annually: none
  • Number of paper statements posted annually: 12

Values used for the “infrequent user” profile:

  • Number of incoming CHF transactions in Switzerland annually: 40.
  • Number of outgoing, online CHF transactions in Switzerland every year: 6.
  • Number of international, outgoing, online EUR transactions (SEPA) annually: 3.
  • Number of international, outgoing, online transaction (non-SEPA) annually: 3.
  • Online direct debit orders within Switzerland: 1 order of 12 transactions.
  • Online standing orders within Switzerland: 1 order of 12 transactions. 
  • Number of CHF purchases paid by debit card in Switzerland annually: 15.
  • Number of international purchases paid by debit card annually: 3 (total CHF 300 per year).
  • Number of CHF cash withdrawals at out-of-network ATMs in Switzerland annually: 6 (average CHF 200 per withdrawal).
  • Number of international cash withdrawals at out-of-network ATMs annually: 6 (average CHF 200 per withdrawal). 
  • Number of paper statements posted annually: 12

Values used for the “infrequent user Switzerland-only” profile:

  • Number of incoming, CHF transactions within Switzerland annually: 40.
  • Number of outgoing, online CHF transactions within Switzerland annually: 6.
  • Number of international, outgoing, online EUR transactions (SEPA) annually: none.
  • Number of international, outgoing, online transactions (non-SEPA) annually: none.
  • Direct debit orders within Switzerland: 1 order of 12 transactions.
  • Online standing orders within Switzerland: 1 order of 12 transactions. 
  • Number of CHF purchases paid by debit card in Switzerland annually: 15.
  • Number of international purchases paid by debit card annually: none.
  • Number of CHF cash withdrawals at out-of-network ATMs in Switzerland annually: 6 (average CHF 200 per withdrawal).
  • Number of international cash withdrawals at out-of-network ATMs annually: none.
  • Number of paper statements posted annually: 12.

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