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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.
Additional debit card: CHF 2 per month.

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 costs CHF 10.00.

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: 0.15% per year.
From CHF 100,000: 0% 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:

0.7% per year.

Termination of banking relationship:

The termination of the banking relationship is free of charge.

Special services:

Debit Mastercard, Mobile banking, Online banking, Reward programs

More products

BCN Flexipack Youth

Special offers for Moneyland users

Moneyland Special Offers

Swiss Trading Platform

Cornèrtrader Special Offer

Special offer: particularly favorable conditions for Moneyland users
No custody account fees for shares
Swiss online bank with FINMA license

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Free bank account

Yuh

No account fees
Banking partner: Swissquote & Postfinance
CHF 20 trading credit with code «YUHMONEYLAND»

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Amex promotion until April 6

Amex Platinum Card

50% off the annual fee in the first year
Extra bonus: 75,000 instead of 45,000 Membership Rewards points
Further benefits: 10% discount on purchases in Gübelin boutiques & Up to CHF 160 Dining credit per year in over 600 GaultMillau restaurants

Secure offer now

Swiss digital bank

Alpian

CHF 75 welcome bonus with referral code LAND25.
Favorable foreign exchange rates
Multi-currency account with Visa card (CHF, EUR, USD, GBP)

Benefit now

Special offers for Moneyland users

Moneyland Special Offers

Swiss Trading Platform

Cornèrtrader Special Offer

Special offer: particularly favorable conditions for Moneyland users
No custody account fees for shares
Swiss online bank with FINMA license

Benefit now

Free bank account

Yuh

No account fees
Banking partner: Swissquote & Postfinance
CHF 20 trading credit with code «YUHMONEYLAND»

Benefit now

Amex promotion until April 6

Amex Platinum Card

50% off the annual fee in the first year
Extra bonus: 75,000 instead of 45,000 Membership Rewards points
Further benefits: 10% discount on purchases in Gübelin boutiques & Up to CHF 160 Dining credit per year in over 600 GaultMillau restaurants

Secure offer now

Swiss digital bank

Alpian