Accounts for private individuals

Our account range gives you a flexible basis for your banking transactions. Whether you're receiving money, making transfers or looking to save – we have the right offer.

Your benefits at a glance

  • Favourable interest rate
  • Transparent client relationship fee
  • Several accounts can be opened free of charge, including in foreign currencies
  • No charge for withdrawals at Bancomat machines in Switzerland

 The right account for all needs

Account Currency

Interest p. a.*

Withdrawal limit**

Private account

CHF

0,030%

500 000 p. a.

Private account

EUR

0,000%

500 000 p. a.

Private account

USD

0,000%

500 000 p. a.

Private account

GBP

0,000%

500 000 p. a.

Investment account

CHF

0,300%

50 000 p. a.

Investment account

EUR

0,750%

50 000 p. a.

Savings account

CHF

0,300%

25 000 p. a.

3a retirement account

CHF

0,600%

none

Vested benefits account***

CHF

0,150%

none

Additional foreign currency accounts on request

 

*The interest rates published apply to clients domiciled in Switzerland. Debit interest on account overdrafts p. a.: CHF 9%, EUR 8,5%, GBP and USD 8%.

 

**Higher amounts are subject to a notice period. If the notice periods are not met a fee will be charged. Binding information about the account conditions is found in the overview of range of accounts of Bank CIC. Please contact us to receive additional information about the conditions.

 

***The offer is valid for existing Bank CIC clients only. Clients with a vested benefits account can also invest in BVG-compliant pension funds. The current fund universe can be found here.

The right card for everyone

In combination with your private account we offer you Visa Debit Cards and credits cards in various formats. The mobile payment function is also available for all Bank CIC cards. We would be happy to advise you.

General notes

Are my deposits protected under the deposit insurance esisuisse? Yes, like any bank and any securities firm in Switzerland, Bank CIC Switzerland Ltd. is required to sign the Self-regulation «Agreement between esisuisse and its members». This means clients’ deposits are protected up to a maximum of CHF 100,000 per client. Medium-term notes held in the name of the bearer at the issuing bank are also considered deposits. Depositor protection in Switzerland is provided by esisuisse, and the depositor protection system is explained in detail at https://www.esisuisse.ch/en.

 

You can find more binding information about the account terms and conditions in the overview of Bank CIC’s range of accounts.