Raiffeisen Business Current Account

Standard business account
Fees may vary between bank branch offices

Business type:

SME, Startup, Self-employed, Large company, Public-sector entity

Currency:

CHF, USD, EUR

Requirements:

For businesses: self-employed persons, small and medium-sized enterprises (SMEs) and startups.

Interest rate:

0% per year.

Debit interest on overdrafts:

The rate of debit interest is 10% p.a (plus 0.25% quarterly commission on the highest used debt balance, minimum CHF 100 per quarter).

Withdrawals:

Unlimited withdrawal options.

Credit cards:

Mastercard Business Card Silver: CHF 90 per year.
Mastercard Business Card Gold: CHF 160 per year.

Capital payment:

Nonrecurring costs of capital payment account for GmbH or AG: CHF 250.

Account management costs:

Account opening: free of charge.
Account management costs: CHF 60 per year.
Close-out of account: free of charge. Termination of banking relationship: free of charge.
Statements of account: monthly free of charge. Mail: CHF 2.00 + 1.00.
Account closure: free of charge.

Payment transaction costs:

Incoming payment (Switzerland): CHF 0.15 up to 60 payments per quarter, after this CHF 0.12 per transaction.
Electronic payment order (Switzerland): CHF: CHF 0.15 (up to 60 transactions per quarter), thereafter CHF 0.12 per transaction.
Electronic payment order (abroad): SEPA EUR payments CHF 0.20; other payments (non-SEPA) CHF 3.
Non-electronic payment order: depending on order type.
Permanent order: Execution (Switzerland in CHF): CHF 0.15 (up to 60 transactions per quarter), thereafter CHF 0.12 per transaction.
Payment by direct debit (LSV): CHF 0.15 (up to 60 transactions per quarter), thereafter CHF 0.12 per transaction.

Purchases:

Debit Mastercard: CHF 50 per year (or Visa Debit: CHF 50).
Purchases in Switzerland in CHF: free of charge.
Purchases in foreign currencies and abroad: 1.25%, at least CHF 1.50 plus foreign currency exchange fees.

Cash withdrawals:

Cash withdrawal at own ATMs: free of charge.
Cash withdrawal at ATMs of other banks in CHF: CHF 2.
Cash withdrawal abroad: CHF 4.5 in addition to foreign currency exchange fees.

Special services:

Debit Mastercard, Visa Debit, Mobile banking, Online banking, Credit card, Startup advisory, Succession planning

Software:

Not specified.

General information:

Business current account of Raiffeisen. Various currencies on the foreign currency account. Please note: Conditions may vary depending on the branch.