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Radicant Private Account

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Private Accounts

Radicant Private Account

Banking via Smartphone
No account fees
Free travel insurance
Open an account in just a few minutes

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General information:

Radicant is a Swiss digital bank with a focus on sustainability. Radicant is an independent subsidiary of Basellandschaftliche Kantonalbank BLKB.

Among other things, Radicant offers a Swiss private account for use via smartphone.

Account management is also possible in EUR.

Radicant is a Swiss bank, so deposits of up to CHF 100,000 are guaranteed.

There are no surcharges for card payments (online or in shops) and cash withdrawals abroad.

Free travel insurance is included to cover cancelations, travel interruptions, baggage, search and rescue, medical expenses and car rental deductibles. The condition is that customers pay for the trip with the Radicant debit card.

eBill payments are possible.

The plastic debit card costs CHF 15 once, the virtual debit card is free of charge.

Onboarding in 5minutes via photo ID. No call, no paper.

Part of the cash deposits are invested in green bonds to support global sustainability projects. Each card payment supports the reforestation of mangrove trees in Kenya.

Radicant supports mobile payments (Apple Pay, Google Pay, TWINT).

Age:

For individuals from the age of 18.

Account type:

Online Account

Currency:

CHF

Interest rate:

Up to CHF 100,000: 0.25% per year.
From CHF 100,000 to CHF 250,000: 0.5% per year.
From CHF 250,000: 0.25% per year.

Withdrawals:

There is no withdrawal limit.

Account opening:

The account opening is free of charge.

Account management:

The account management is free of charge.

Closing of account:

The closing of account is free of charge.

Termination of banking relationship:

The termination of the banking relationship 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 free of charge.

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):

Non-SEPA payments are not possible.

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: In the first year, there is a fee of 15.00. In the subsequent years, the annual fee is CHF 0.

Purchase Switzerland:

Debit card: Purchases in Switzerland in CHF are free of charge.

Purchase abroad:

Debit card: Purchases in foreign currencies are free of charge.

Cash withdrawal Switzerland:

Cash withdrawals at all ATMs in Switzerland in Swiss francs (CHF): 12 withdrawals per year free of charge, then CHF 2 per withdrawal.

Cash withdrawal abroad:

Debit card:
Per cash withdrawal abroad, there is a fee of CHF 2.00.

Special services:

Visa Debit, Mobile banking

Special offers for Moneyland users

Moneyland Special Offers

Up to CHF 550 Benefit

Amex Gold & Alpian Account

50% off the annual fee in first year
45'000 bonus points (instead of 15'000)
CHF 75 Moneyland-Bonus (Code LAND25) + CHF 50 Alpian bonus

Secure offer now

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

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

Free bank account

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

Benefit now

Special offers for Moneyland users

Moneyland Special Offers

Up to CHF 550 Benefit

Amex Gold & Alpian Account

50% off the annual fee in first year
45'000 bonus points (instead of 15'000)
CHF 75 Moneyland-Bonus (Code LAND25) + CHF 50 Alpian bonus

Secure offer now

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

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

Free bank account

Yuh