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Private Accounts

Appenzeller KB Education Plus Account

Education private account

General information:

Education private account of Appenzeller Kantonalbank. For persons having permanent or weekly residency in the cantons Appenzell Innerrhoden or Appenzell Ausserrhoden.
The education or training lasts at least 1 year and is associated with loss of salary.

Age:

For individuals up to the age of 30.

Account type:

Education Account

Currency:

CHF

Interest rate:

Up to CHF 20,000: 0.5% per year.
From CHF 20,000: 0.05% per year.

Withdrawals:

Withdrawals up to CHF 20,000 per month are allowed without notice. There is a notice period of 3 months for higher amounts.

Account opening:

The account opening is free of charge.

Account management:

The account management is free of charge.

Closing of account:

The closing of account is free of charge.

Termination of banking relationship:

The termination of the banking relationship 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 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 CHF 1.50.

Cash withdrawal Switzerland:

Debit card:
Cash withdrawals in CHF at ATMs of the same bank in Switzerland are free of charge.
Cash withdrawals in CHF at ATMs of other banks in Switzerland are free of charge.

Cash withdrawal abroad:

Debit card:
Per cash withdrawal abroad, there is a fee of CHF 5.00.

Special services:

Debit Mastercard, Mobile banking, Online banking

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