English

Prepaid card

ZKB Banking Young

Banking package for young people, students and young professionals

General information:

Banking package for young people and young adults of ZKB. Provides customers up to three young private accounts, young savings account, 2 Visa Debit, online and mobile banking, prepaid card or credit card.

Age:

For individuals between 14 and 30 years of age.

Currencies:

CHF

Package / account management fee:

The account management is free of charge.

Private account interest rate:

Up to CHF 25,000: 0.1% per year.
From CHF 25,000: 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 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):

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 50,000: 0.65% per year.
From CHF 50,000 to CHF 250,000: 0.1% per year.
From CHF 250,000: 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:

ZKB Prepaid Mastercard or ZKB Standard credit card.

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 program for Viseca credit card (1 point per CHF 1 turnover, 10,000 welcome points). On the ZVV night network, no night surcharge of 5 francs has to be paid on Fridays and Saturdays. Free printing of diploma theses and term papers. 10% online discount on fee-based courses at the Zurich Academic Sports Association (ASVZ).

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