Prepaid card

ZKB Banking

  • Basic banking package for individuals

General information:

Basic banking package of ZKB. Provides customers up to three private accounts, savings account, 2 Visa Debit, online and mobile banking.

Age:
For individuals from the age of 18.
Currencies:
CHF
Package / account management fee:
The account management is free of charge.
Private account interest rate:
0% per year.
Account opening:
The account opening is free of charge.
Closing of account:
The closing of account 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 subject to charges.
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):
Fee of CHF 4.00 per electronic non-SEPA payment order in foreign currency.
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: There is no annual fee to pay.
Purchase Switzerland:
Debit card: Purchases in Switzerland in CHF are free of charge.
Purchase abroad:
Debit card: For purchases in foreign currencies, there is a fee of 1.25% of the purchase amount with a maximum of CHF 1.50.
Cash withdrawal Switzerland:
Debit card:
Cash withdrawals in CHF at ATMs of the same bank in Switzerland are free of charge.
For cash withdrawals in CHF at ATMs of other banks in Switzerland, there is a fee of CHF 2.00 per withdrawal.
Cash withdrawal abroad:
Debit card:
Per cash withdrawal abroad, there is a fee of CHF 5.00.
Savings account interest rate:
Up to CHF 25,000: 0.4% per year.
From CHF 25,000 to CHF 100,000: 0.1% per year.
From CHF 100,000: 0% per year.
Savings account
withdrawals:
Withdrawals up to CHF 10,000 per month are allowed without notice. There is a notice period of 3 months for higher amounts.
Credit card:

The standard credit card costs an additional CHF 100 per year.

Credit card
Purchase abroad in foreign curency:
For purchases abroad or online in foreign currencies there is an administrative fee of 1.75% of the purchase amount.
Reward program:

Surprize bonus program by Viseca for credit cards (1 point per CHF 1 turnover, 10,000 welcome points).

Pillar 3a account
interest rate:
0.5% per year.
Termination of banking relationship:
The termination of the banking relationship costs CHF 20.00.
Special services:
Visa Debit, Mobile banking, Online banking, Reward programs

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