Bank Cler Business Classic

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

0% per year.

Business Classic: Overdraft limit of CHF 5000. Depending on the business package, different overdraft limits between CHF 5000 and CHF 20,000 (interest rate of 8% +0.25% quarterly commission on the highest used debt balance).

Unlimited withdrawal options.

Mastercard Business Card and Mastercard Corporate Card from Viseca cost additional annual fees.

Nonrecurring costs of capital payment account for GmbH or AG: 0.05%, minimum of CHF 250, maximum of CHF 2000.

Account opening: free of charge.
Account management costs: CHF 8 per month (E-Classic: CHF 6 per month). With a credit limit of min. CHF 100,000: CHF 6 per month (E-Classic: CHF 4 per month).
Booking fees CHF 0.40 per booking (online free of charge). 
15 transactions per month free of charge.
Close-out of account: free of charge.
Statements of account: By mail: Postal fees.
Account closure: Quarterly, free of charge.

Incoming payment (Switzerland): free of charge.
Electronic payment order (Switzerland): CHF: free of charge.
Electronic payment order (abroad): SEPA EUR payments free of charge; other payments (non-SEPA) and currencies CHF 4 per payment.
Non-electronic payment order: depending on order type.
Permanent order: Execution (Switzerland in CHF): free of charge.
Payment by direct debit (LSV and LSV+): free of charge.

Visa Debit: Included in package fee.
Purchases in Switzerland in CHF: free of charge.
Purchases in foreign currencies and abroad: CHF 1.50 per purchase.

Cash withdrawal at own ATMs: free of charge.
Cash withdrawal at ATMs of other banks in CHF: free of charge up to 4 withdrawals per month. From fourth withdrawal per month: CHF 2 per withdrawal.
Cash withdrawal abroad: CHF 5 in addition to foreign exchange rates.

Business Classic is the most affordable business package for business customers. It also includes a discount on the Worldline payment terminal. More expensive packages such as Business Comfort and Business Premium include other additional services (bookings, debit cards, credit cards, accounts). The minimum term of the Business packages is 12 months.