How Are Private Account Comparison Profiles Defined?

The basis of calculations is shown here.
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Profiles are based on various user behavior.

  • Average user: “I use my private account and my debit card occasionally in Switzerland and abroad”.
  • Frequent user: “I use my private account and my debit card frequently both in Switzerland and abroad”.
  • Infrequent user: “I use my private account and my debit card infrequently in Switzerland and abroad”.
  • Switzerland-only user: “I only use my private account and my debit card for transactions within Switzerland.
  • Abroad-only user: “I only use my private account and my debit card for making foreign transactions.
  • Individual profile: This profile lets you customize data to match your banking needs.

Note: If the “With debit card?” criteria is not selected, moneyland.ch does not account for the costs of annual fees for a debit card (Maestro, V-Pay, PostFinance), cash withdrawals via ATM and debit card purchases in the comparison.

Values used for the “Average user” profile:

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 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.

Values used in “Frequent user” profile:

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.

Values used for the “Infrequent user” profile:

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.

Values used for the “Switzerland-only” profile:

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.

Values used for “abroad-only” profile:

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 60 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.

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