Open an account online

Opening an account or cleverinvest portfolio online is easy – you can do it in just a few steps.

Are you an adult resident in Switzerland and a national of Switzerland, Germany, France or Italy*? Then all you need is a smartphone, tablet, laptop or PC with a camera, a valid ID and a few minutes of your time.

Whatever your needs, we have the right account for you. In addition, with the CIC eLounge, one of the most modern e-banking solutions in Switzerland is available to you immediately after opening an account. With our CIC eLounge, you are in charge of your banking business.

We look forward to seeing you.

This is how easy it is to open an account online:

1. Enter your personal details
2. Register
3. Scan your ID and compare it with a live photo
4. Confirm your documents
5. Make your first deposit and you are all set

Select a product

Which product would you like to open?

cleverinvest portfolio (CHF/EUR)

For those who want to continuously build up their assets in a cost-effective and uncomplicated way.
Detailed information
Fees and conditions cleverinvest

Continuous asset accumulation without having to do anything yourself
The best possible way to invest in line with your personal interests
Easy to use – choose your equity weighting and themes in just a few clicks
Maximum flexibility – your savings are readily available
Opportunities for higher returns than with a savings account

Open cleverinvest online

Private account (CHF)

Carry out day-to-day banking transactions without the stress.
View details

Open a number of accounts free of charge, including in foreign currencies
Constantly updated overview of your assets thanks to practical balance preview
Straightforward domestic and foreign payment orders anytime, anywhere
With eBills, you receive, review and pay your bills directly in eLounge
Credit cards and mobile payments afford a high degree of convenience

Open a private account online

Savings account (CHF)

The solution for long-term saving.
View details

Secure alternative if you do not want to invest in securities or other assets
It costs nothing to open additional investment accounts – to save individually for separate goals – with each account being given its own personalised name
Practical access to your account 24 hours a day via eLounge
Not suitable for payments

Open a savings account online

Investment account (CHF)

The solution for flexible saving with easy access to your capital
View details

Alternative to a savings account, also available in foreign currency EUR
It costs nothing to open additional savings accounts – to save individually for separate goals – with each account being given its own personalised name
Practical access to your account 24 hours a day via eLounge
Not suitable for payments

Open an investment account online

3a retirement account (CHF)

For private saving in the context of pillar 3a private retirement provision.
Detailed information

Reliable partner with one of the best interest rates in Switzerland
Payments to the account are tax deductible
No account management fees
Can be used for indirect amortising of your mortgage
CIC eLounge is free to use wherever and whenever you like

Open a 3a retirement account online

Conditions

What do you need to open an account or cleverinvest portfolio online?

An account or cleverinvest portfolio can currently only be opened online by individuals who are adult, resident in Switzerland and have one of the following nationalities: Swiss, German, French or Italian*.
Your identity will be verified during the online account-opening process on the basis of a valid identity document (passport or identity card). It is easiest if you use your mobile device for this.
To finish the opening, you need to pay at least CHF 1.00 into your new account at Bank CIC from a Swiss account in your name.
Once your first account or cleverinvest portfolio has been successfully activated, you will be able to open other accounts (including in foreign currencies), portfolios and cleverinvest portfolios easily in CIC eLounge.

What can you do if the conditions are not met?

If you are unable to meet the conditions to open an account or a cleverinvest portfolio, please contact us so that we can find a suitable solution for you.

* If you wish to open an account but are not a Swiss, German, French or Italian national, please visit one of our branches in Switzerland in person with your passport to hand so that we can carry out the necessary checks to confirm your identity. You are also welcome to call our Private Clients team on 058 268 16 00 or request an advisory meeting.