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Profiles are based on the following user behavior:
- Average user: “My business needs an account and debit card for occasional use both in Switzerland and abroad.”
- Individual profile: Select this option to customize information to match your business’ needs.
- Frequent user: “My business needs an account and debit card for frequent use both in Switzerland and abroad.”
- Frequent user Switzerland-only: “My business needs an account and a debit card for frequent use in Switzerland only.”
- Infrequent user: “My business needs an account and debit card for infrequent use both in Switzerland and abroad.”
- Infrequent user Switzerland-only: “My business needs an account and debit card for infrequent use in Switzerland only.”
Values used for the “average user” profile:
- Number of incoming CHF transactions within Switzerland annually: 240.
- Number of online, outgoing CHF transactions within Switzerland in CHF annually: 12.
- Number of online, outgoing, international EUR transactions (SEPA) annually: 5.
- Number of online, outgoing, international transactions (non-SEPA) annually: 5.
- Online direct debits within Switzerland: 2 orders of 12 transactions each.
- Standing orders within Switzerland: 2 orders of 12 transactions each.
- Number of CHF purchases made using debit cards in Switzerland annually: 25.
- Number of international purchases made using debit cards annually: 5 (total: CHF: 500).
- Number of CHF cash withdrawals at out-of-network ATMs in Switzerland annually: 12 (average CHF 200 per withdrawal).
- Number of cash withdrawals at out-of-network ATMs abroad annually: 12 (average CHF 200 per withdrawal).
- Number of paper statements posted every year: 12.
Values used for the “Frequent user” profile:
- Number of incoming CHF transactions annually: 480
- Number of outgoing, online, CHF transactions in Switzerland annually: 60.
- Number of international, outgoing, online, EUR transactions (SEPA) annually: 20.
- Number of international, outgoing, online transactions (non-SEPA) annually: 20.
- Online direct debits orders within Switzerland: 10 orders of 12 transactions each.
- Online standing orders within Switzerland: 10 orders of 12 transactions each.
- Number of CHF purchases paid with debit cards in Switzerland annually: 100.
- Number of international purchases paid with debit cards annually: 50 (total CHF 5000 equivalent).
- Number of CHF cash withdrawals at out-of-network ATMs in Switzerland annually: 50 (average CHF 200 per withdrawal).
- Number of international cash withdrawals at out-of-network ATMs annually: 50 (average CHF 200 per withdrawal).
- Number of paper statements posted every year: 12.
Values used for the “frequent user Switzerland-only” profile:
- Number of incoming CHF transactions within Switzerland annually: 480.
- Number of outgoing, online CHF transactions annually: 60.
- Number of outgoing, online, international EUR transactions (SEPA) annually: none
- Number of outgoing, online, international transactions (non-SEPA) annually: none.
- Online direct debit orders within Switzerland: 10 orders of 12 transactions each.
- Online standing orders within Switzerland: 10 orders of 12 transactions each.
- Number of CHF purchases paid with a debit card in Switzerland: 100.
- Number of international purchases paid with a debit card annually: none.
- Number of CHF cash withdrawals at out-of-network ATMs within Switzerland annually: 50 (average CHF 200 per withdrawal).
- International cash withdrawals at out-of-network ATMs annually: none.
- Number of paper statements posted annually: 12.
Values used for the “infrequent user” profile:
- Number of incoming CHF transactions in Switzerland annually: 40.
- Number of outgoing, online CHF transactions in Switzerland every year: 6.
- Number of international, outgoing, online EUR transactions (SEPA) annually: 3.
- Number of international, outgoing, online transaction (non-SEPA) annually: 3.
- Online direct debit orders within Switzerland: 1 order of 12 transactions.
- Online standing orders within Switzerland: 1 order of 12 transactions.
- Number of CHF purchases paid by debit card in Switzerland annually: 15.
- Number of international purchases paid by debit card annually: 3 (total CHF 300 per year).
- Number of CHF cash withdrawals at out-of-network ATMs in Switzerland annually: 6 (average CHF 200 per withdrawal).
- Number of international cash withdrawals at out-of-network ATMs annually: 6 (average CHF 200 per withdrawal).
- Number of paper statements posted annually: 12.
Values used for the “infrequent user Switzerland-only” profile:
- Number of incoming, CHF transactions within Switzerland annually: 40.
- Number of outgoing, online CHF transactions within Switzerland annually: 6.
- Number of international, outgoing, online EUR transactions (SEPA) annually: none.
- Number of international, outgoing, online transactions (non-SEPA) annually: none.
- Direct debit orders within Switzerland: 1 order of 12 transactions.
- Online standing orders within Switzerland: 1 order of 12 transactions.
- Number of CHF purchases paid by debit card in Switzerland annually: 15.
- Number of international purchases paid by debit card annually: none.
- Number of CHF cash withdrawals at out-of-network ATMs in Switzerland annually: 6 (average CHF 200 per withdrawal).
- Number of international cash withdrawals at out-of-network ATMs annually: none.
- Number of paper statements posted annually: 12.
