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
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.

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.
Transfers in foreign currencies and abroad are not yet possible.

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 10 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: 0.75% per year.
From CHF 100,000 to CHF 250,000: 1% per year.
From CHF 250,000: 0.75% 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:
SEPA payments are not possible.
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 10.00. 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 5.00.
Special services:
Visa Debit, Mobile banking

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Special offers for Moneyland users

Moneyland Special Offers

Funds

Allianz Fund Investments

  • Special offer with CHF 200 welcome bonus

  • No prior knowledge necessary: Advice from experts

  • One of the 10 largest asset managers worldwide

Swiss Broker

Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

  • Licensed Swiss bank (FINMA)

  • Free expert research and trading signals

Swiss Trading Platform

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  • Special offer: particularly favorable conditions for Moneyland users

  • No custody account fees for shares

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  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

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Allianz Fund Investments

Special offer with CHF 200 welcome bonus