Private Accounts
SHKB KB-Plus Package
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Standard banking package for individuals
General information:
Banking package of SHKB. Provides customers with private account, savings account, Visa Debit, online and mobile banking. Credit card also available.
Account management is also possible in EUR (+ CHF 5 per month).
Age:
For individuals from the age of 20.
Currencies:
CHF
Package / account management fee:
The account management costs CHF 108.00 per year.
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 subject to charges.
Incoming payment:
Incoming payment in CHF are free of charge.
Outgoing payment (Switzerland):
Electronic payment orders in CHF are free of charge.
SEPA payment:
Fee of CHF 0.30 per electronic SEPA payment order in EUR.
Non-SEPA payment (abroad):
Fee of CHF 4.00 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: There is no annual fee to pay.
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 1.75% of the purchase amount.
Cash withdrawal Switzerland:
Debit card:
Cash withdrawals in CHF at ATMs of the same bank in Switzerland are free of charge.For cash withdrawals in CHF at ATMs of other banks in Switzerland, there is a fee of CHF 2.00 per withdrawal.
Cash withdrawals in CHF at ATMs of the same bank in Switzerland are free of charge.For cash withdrawals in CHF at ATMs of other banks in Switzerland, there is a fee of CHF 2.00 per withdrawal.
Cash withdrawal abroad:
Debit card:
Per cash withdrawal abroad, there is a fee of CHF 5.00.
Per cash withdrawal abroad, there is a fee of CHF 5.00.
Savings account interest rate:
Up to CHF 50,000: 0.8% per year.
From CHF 50,000 to CHF 200,000: 0.65% per year.
From CHF 200,000: 0.3% per year.
From CHF 50,000 to CHF 200,000: 0.65% per year.
From CHF 200,000: 0.3% per year.
Savings account
withdrawals:
withdrawals:
Withdrawals up to CHF 10,000 per month are allowed without notice. There is a notice period of 3 months for higher amounts.
Credit card:
Member credit card: CHF 65 per year.
Credit card
Purchase abroad in foreign curency:
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:
Discounts in the region around Schaffhausen. Various discounts on other products and services.
Pillar 3a account
interest rate:
interest rate:
0.9% per year.
Termination of banking relationship:
The termination of the banking relationship is free of charge.
Special services:
Visa Debit, Mobile banking, Online banking, Reward programs
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