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Prepaid card

BCV Formule Directe

Basic banking package for individuals

General information:

Banking package of BCV. Provides customers with private account, savings account, Visa Debit and online/mobile banking. Credit cards also available.
Online transactions in CHF with the Visa Debit (domestic and foreign): free of charge. Online transactions in foreign currency with the Visa Debit: CHF 1 per transaction.
Maximum of 2 debit cards per bank package.

Age:

For individuals from the age of 30.

Currencies:

CHF

Package / account management fee:

For customers with total assets at the bank up to CHF 10,000, the account management costs CHF 42.00 per year. With total assets at the bank above CHF 10,000, the account management is free of charge.
In the first year, there is a discount on the account management fee.

Private account interest rate:

Not specified.

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:

Electronic SEPA payment orders in EUR are free of charge.

Non-SEPA payment (abroad):

Fee of CHF 6.00 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 2.00.

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 3.00 per withdrawal.

Cash withdrawal abroad:

Debit card:
Per cash withdrawal abroad, there is a fee of CHF 5.00. In addition, there is a fee of 0.5% of the amount.

Savings account interest rate:

Up to CHF 25,000: 0.5% per year.
From CHF 25,000: 0.2% per year.

Savings account
withdrawals:

Withdrawals up to CHF 10,000 per month are allowed without notice.
12 withdrawals per year are free of charge, additional withdrawals cost CHF 6 per withdrawal.
There is a notice period of 3 months for larger amounts.

Credit card:

Additional fee for the BCV Mastercard Silver or BCV Visa Silver card.

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). Benefits in the canton of Vaud.

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:

Visa Debit, Mobile banking, Online banking, Reward programs