ZKB Business Account

Standard business account

Business type:

SME, Startup, Self-employed, Large company, Association, Non-profit organization, Public-sector entity

Currency:

CHF, USD, EUR

Requirements:

For companies, small and medium-sized enterprises (SMEs), associations and startups.

Interest rate:

0% per year.

Debit interest on overdrafts:

Debit interest on request.

Withdrawals:

No withdrawal restrictions.

Credit cards:

ZKB Mastercard Commercial:
Sillver card for CHF 85 per year.
Gold card (in CHF/EUR/USD): CHF 170 per year.

Capital payment:

Nonrecurring costs of capital payment account for GmbH or AG: 0.05%, minimum of CHF 250.
Discount of 50% if package is selected.

The capital deposit account is available in the currencies CHF, EUR, USD or GBP.

Account management costs:

Account management costs: CHF 84 per year (online and offline). For associations based in Switzerland: CHF 42 per year (account in CHF). For businesses outside of Switzerland: at least CHF 600 per year.
Account opening: free of charge.
Close-out of account: free of charge.
Statements of account: monthly if revenue; either by post (with postal fees) or electronically via ZKB online banking (free of charge).
Account closure: Every quarter, free of charge.

Payment transaction costs:

Incoming payment (Switzerland): free of charge up to 600 payments per month, after this CHF 0.20 per transaction.
Electronic payment order (Switzerland): CHF and EUR: free of charge (over 600 transactions CHF 0.20), other currencies CHF 4 per payment.
Electronic payment order (abroad): SEPA payments in Euro free of charge (over 600 transactions CHF 0.20); other payments CHF 4 per payment.
Non-electronic payment order: ZKB Quickpay: CHF 0.80 per payment (EUR and CHF), other currencies CHF 8 per payment.
Permanent order: Execution free of charge (over 600 transactions CHF 0.20).
Payment by direct debit (LSV): free of charge (over 600 transactions CHF 0.20).

Any unused allowance will not be carried over to the next month.

Purchases:

Visa Debit: CHF 40 per year.
Purchases in Switzerland in CHF: free of charge.
Purchases in foreign currencies and abroad: 1.25%, maximum CHF 1.50 in addition to foreign exchange rates.

Cash withdrawals:

Cash withdrawal at ATMs of cantonal banks: free of charge.
Cash withdrawal at ATMs of other banks in CHF: CHF 2.
Cash withdrawal abroad: CHF 5 in addition to foreign exchange rates.

Special services:

Visa Debit, Mobile banking, Online banking, Credit card, Startup advisory, Succession planning

Software:

NetBanking+.

General information:

Business account of Zürcher Kantonalbank (ZKB).