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Banking Packages

BCN Flexipack

Standard banking package for individuals

General information:

Flexipack of BCN. Includes private account, savings account, Debit Mastercard, online banking and mobile banking. Credit cards cost extra. The basic fee can be reduced if you have a pillar 3a account (discount: CHF 1 per month), investment assets (discount: CHF 1.50 per month) or a mortgage (discount: CHF 1.50 per month) with BCN.

Age:

For individuals from the age of 27.

Currencies:

CHF

Package / account management fee:

The account management costs CHF 48.00 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 0.50 per electronic SEPA payment order in EUR.

Non-SEPA payment (abroad):

Fee of CHF 3.00 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.
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 100,000: 0.55% per year.
From CHF 100,000: 0.25% per year.

Savings account
withdrawals:

Withdrawals up to CHF 50,000 per year are allowed without notice.
6 withdrawals per year are free of charge, additional withdrawals cost CHF 3 per withdrawal.
There is a notice period of 3 months for larger amounts.

Credit card:

The silver credit card costs an additional CHF 36 per year. Alternatively, a prepaid card from Swiss Bankers is available.

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:

0.9% per year.

Termination of banking relationship:

The termination of the banking relationship costs CHF 6.00.

Special services:

Debit Mastercard, Mobile banking, Online banking, Reward programs