The basis of calculations is shown here.
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Profiles are based on various user behavior.
- Average user: “I use my private account and my debit card occasionally in Switzerland and abroad”.
- Frequent user: “I use my private account and my debit card frequently both in Switzerland and abroad”.
- Infrequent user: “I use my private account and my debit card infrequently in Switzerland and abroad”.
- Switzerland-only user: “I only use my private account and my debit card for transactions within Switzerland.
- Abroad-only user: “I only use my private account and my debit card for making foreign transactions.
- Individual profile: This profile lets you customize data to match your banking needs.
Note: If the “With debit card?” criteria is not selected, moneyland.ch does not account for the costs of annual fees for a debit card, cash withdrawals via ATM and debit card purchases in the comparison.
Values used for the “Average user” profile:
Number of outgoing CHF transactions in Switzerland annually: 20.
Number of international, outgoing EUR transactions (SEPA) annually: none.
Number of international, outgoing transactions (non-SEPA) annually: none.
Number of withdrawals at out-of-network ATMs in CHF every year: 10 withdrawals (averaging CHF 250 each).
Withdrawals at out-of-network ATMs outside of Switzerland every year: 2 withdrawals (averaging CHF 250 per transaction).
Number of paper statements posted annually: 12.
Number of incoming CHF transactions in Switzerland annually: 20.
Number of CHF purchases paid with debit cards in Switzerland annually: 50 purchases (averaging CHF 50 each).
Purchases outside of Switzerland paid with debit cards every year: 20 (averaging CHF 50 each).
Number of online direct debit orders within Switzerland: 2 orders of 12 transactions each.
Number of online standing orders within Switzerland: 2 orders of 12 transactions each.
Values used in “Frequent user” profile:
Number of outgoing CHF transactions within Switzerland annually: 100.
Number of international, outgoing EUR transactions (SEPA) annually: none.
Number of international, outgoing transactions (non-SEPA) annually: none.
Number of CHF withdrawals at out-of-network ATMs in Switzerland annually: 25 (averaging CHF 250 each).
Number of withdrawals at out-of-network ATMs outside of Switzerland annually: 10 (averaging CHF 250 each).
Number of paper statements posted annually: 12.
Number of incoming CHF transactions within Switzerland annually: 30.
Number of CHF purchases in Switzerland paid by debit card every year: 100 (averaging CHF 50 per purchase).
Number of purchases outside of Switzerland paid by debit card each year: 50 (averaging CHF 50 each).
Number of CH direct debit orders made online: 4 orders of 12 transactions each.
Number of CH standing orders: 4 orders of 12 transactions each.
Values used for the “Infrequent user” profile:
Number of outgoing CHF transactions within Switzerland annually: 10.
Number of outgoing EUR transactions (SEPA) outside of Switzerland annually: none.
Number of outgoing, non-SEPA transactions outside of Switzerland annually: none.
Number of CHF withdrawals at out-of-network ATMs in Switzerland every year: 5 (average of CHF 250 per withdrawal).
Number of withdrawals via out-of-network ATMs outside of Switzerland every year: 1 (average CHF 250 per withdrawal).
Number of paper statements posted annually: 12.
Number of incoming CHF transactions in Switzerland annually: 10.
Number of CHF purchases paid via debit card in Switzerland annually: 20 (average CHF 50 per purchase).
Purchases paid via debit card outside of Switzerland every year: 5 (average CHF 50 per purchase).
Number of CH direct debit orders made online: 1 order made up of 12 transactions.
Number of CH standing orders made online: 1 order made up of 12 transactions.
Values used for the “Switzerland-only” profile:
Number of outgoing CHF transactions within Switzerland every year: 20.
Number of outgoing, international EUR transactions (SEPA) every year: none.
Number of outgoing, non-SEPA, international transactions every year: none.
Number of withdrawals at out-of-network ATMs in CHF in Switzerland: 10 (CHF 250 per transaction).
Number of withdrawals at out-of-network ATMs outside of Switzerland every year: none.
Number of bank statements posted every year: 12.
Number of incoming payments in CHF in Switzerland every year: 20.
Purchases paid by debit card in CHF in Switzerland every year: 50 (averaging CHF 50 per transaction).
Purchases paid by debit card outside of Switzerland every year: none.
Number of direct debits in Switzerland: 2 orders of 12 transactions each.
Standing orders in Switzerland: 2 orders of 12 transactions each.
Values used for “abroad-only” profile:
Number of outgoing CHF transactions in Switzerland annually: none.
Number of outgoing international transactions in EUR every year (SEPA): 20.
Number of outgoing, international transactions (non-SEPA) annually: 20.
Number of CHF withdrawals at out-of-network ATMs in Switzerland annually: none.
Number of withdrawals at out-of-network ATMs abroad every year: 30 withdrawals averaging CHF 250 (equivalent) per transaction.
Number of paper statements posted every year: 12.
Number of incoming CHF transactions per year: none.
Number of purchases in CHF paid via debit card in Switzerland every year: none.
Number of purchases outside of Switzerland paid by debit card every year: 50 purchases averaging CHF 50 per transaction.
Direct debits: none.
Standing orders: none.
