Bank WIR Banking Package Top

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Private Accounts

Bank WIR Banking Package Top

  • Banking package for individuals

  • 24 free cash withdrawals per year

General information:

Banking package of Bank WIR. Includes a personal account (individual or joint account), savings account, Pillar 3a, Debit Mastercard, online banking, mobile banking and a Certo One Mastercard (Cembra).
Requirements for the Top Banking Package (one of the following conditions must be satisfied): Monthly incoming payments of CHF 1500, pension assets of at least CHF 20,000 held at Bank WIR, a mortgage of at least CHF 300,000 with Bank WIR or a share certificate held at Bank WIR.
Annual financial statements as an e-document and free e-tax statement at the beginning of the year.
24 free cash withdrawals per year worldwide.

Age:
There are no limitations.
Currencies:
CHF
Package / account management fee:
The account management is free of charge.
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 free of charge.
Incoming payment:
Incoming payment in CHF are free of charge.
Outgoing payment (Switzerland):
Electronic payment orders in CHF are free of charge.
SEPA payment:
Electronic SEPA payment orders in EUR are free of charge.
Non-SEPA payment (abroad):
Fee of CHF 5.00 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: Purchases in foreign currencies are free of charge.
Cash withdrawal Switzerland:

24 free cash withdrawals per year worldwide, after that CHF 2 per withdrawal.

Cash withdrawal abroad:

24 free cash withdrawals per year worldwide, after that CHF 2 per withdrawal.

Savings account interest rate:
Up to CHF 500,000: 0.05% per year.
From CHF 500,000: 0.025% per year.
Savings account
withdrawals:
Withdrawals up to CHF 30,000.00 per quarter are allowed without notice. There is a notice period of one month for higher amounts.
Credit card:

CertOne Mastercard (free of charge).

Credit card
Purchase abroad in foreign curency:
For purchases abroad or online in foreign currencies there is an administrative fee of 1.5% of the purchase amount.
Reward program:

Mastercard cashback: 1% at three selected retailers, e.g. Migros, Coop, SBB. At all other retailers: cashback 0.25% of turnover.

Pillar 3a account
interest rate:
0.3% per year.
Termination of banking relationship:
The termination of the banking relationship is free of charge.
Special services:
Debit Mastercard, Mobile banking, Online banking, Reward programs

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