BCGE Duo

Banking package for individuals

General information:

Banking package of Banque Cantonale de Genève (BCGE). Provides customers with private account, savings account, Debit Mastercard, online and mobile banking and credit card.

Age:

For individuals from the age of 26.

Currencies:

CHF

Package / account management fee:

The account management costs CHF 36.00 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 1.00 per electronic SEPA payment order in EUR.

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: In the first year, there is no annual fee to pay. In the subsequent years, the annual fee is CHF 50.00.

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 0.75% of the purchase amount with a minimum of CHF 0.50.

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 withdrawal abroad:

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

Savings account interest rate:

Up to CHF 15,000: 0.5% per year (with a mortgage, BCGE shares, pillar 3a account etc. up to 2.5% per year).
From CHF 15,000 to CHF 30,000: 0.3% per year. From CHF 30,000 to CHF 300,000: 0.2% per year. Above CHF 300,000: 0% per year.

Savings account
withdrawals:

Withdrawals up to CHF 50,000.00 per year are allowed without notice. There is a notice period of one month for higher amounts.

Credit card:

Standard credit card Mastercard or Visa. Free of charge up to the age of 25.

Credit card
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:

Surprize bonus program by Viseca for credit cards (1 point per CHF 1 turnover, 10,000 welcome points).

Pillar 3a account
interest rate:

0.65% per year.

Termination of banking relationship:

The termination of the banking relationship is free of charge.