BANK ACCOUNT FOR PERSONS WITH RESIDENCE ABROAD
OFFERS RESTRICTIONS MINIMAL DEPOSIT BANK CHARGES (CHF)
Aargauische Kantonalbank Yes, in neighbouring countries Private account Savings account Pension account Mortgage Investment account Credit card Maestro card
E-Banking (except for value papers)
Custodian account: yes in neighbouring countries. Exceptionnally also in further countries
Tax transparency New customers from beyond the neighbouring countries only in connection with a mortgage in Switzerland No Between CHF 0 and 60 p/month (according to place of residence/ extent/ products) Appenzeller Kantonalbank
Only customers from Germany, Austria and Liechtenstein Private account Savings account Pension account Mortgage Investment account Credit card Maestro card E-Banking Tax declaration Self-declaration regarding tax compliance No CHF 20 p/month
Berner Kantonalbank (BEKB)
Yes but special
requirements for the US Clients from some specific domiciles are not accepted Private account Savings account Pension account Mortgage Investment account Credit card Maestro card E-Banking
Other products depend on place of residence
Self-declaration regarding tax compliance
Link to / and regular stay in the economic area of BEKB
Nein Abhängig von Produkten
Additional charges of CHF 10 p/month for customers abroad
Banque cantonale du Jura
Yes, except for countries subject to embargo Private account Savings account Pension account Mortgage Investment account Credit card Maestro card E-Banking -Custodian accounts in certain countries not allowed
In some countries the opening of a bank account abroad is subject to authorization No CHF 5 p/month Luzerner Kantonalbank (LUKB)
Yes (List of countries of residence wherefrom customers are accepted is not public)
Basically all products / services the LUKB offers except for restrictions depending the country of residency Self-declaration regarding tax compliance CHF 250'000 Information is published on the website of LUKB
Banque cantonale neuchâteloise
Yes, except for „US-Persons“ (US residents or US citizenship)
No information Self-declaration regarding tax compliance
Link to the Canton of Neuchâtel
- None within the EU - CHF 10'000 beyond the EU
Additional charges of CHF 10 p/month for customers abroad;
CHF 35 for « RUBIK » customers
Nidwalder Kantonalbank
Yes, for customers with residence in EU/EFTA states , Australia and New Zealand Private account Savings account Pension account Mortgage Investment account* Credit card Maestro card E-Banking * *Only for residents of Germany + Liechtenstein Account continuation : CHF 50'000 Account opening: CHF 250'000 CHF 25 p/month Obwalder Kantonalbank
Yes, except for the US and Great Britain Private account Savings account Pension account Mortgage Investment account Credit card Maestro card E-Banking (depending country of residence) Further restrictions possible, depending individual client situation Account continuation: depending client situation Account opening: CHF 250’000
Special charges for customers with residence abroad
Schaffhauser Kantonalbank
Yes Private account
Savings account Pension account Mortgage Security investments (Restrictions possible) Credit card Maestro card E-Banking (Prohibition for certain countries)
Self-declaration regarding tax compliance Authorization to disclose data to the (tax)-authorities of the place of residence
No CHF 15 p/month (except
Banca dello Stato del cantone Ticino
Yes, except for risk countries Basically all offers/services as for residents of Switzerland (Exceptions possible)
No No special charges for
customers abroad
Thurgauer Kantonlabank
Yes for customers of Germany and Austria Restrictions possible for residents of other countries Private account Savings account Pension account Mortgage Investment account Credit card Maestro card E-Banking No CHF 30 p/month
No charges if total assets exceed CHF 50‘000
Urner Kantonalbank Only exceptionally No information Link to Canton of Uri and economical value are prerequisite
No information No information
Banque cantonale du Valais
Yes No information No information No No information
Banque cantonale vaudoise
Yes
Restrictions
continuation account: US ; Iran ; Syria and North Korea
Restriction opening a new account : US ; Iran ; Syria, North Korea as well as countries with foreign exchange control
Private account Savings account Pension account Mortgage Investment account* Credit card* Maestro card* E-Banking *Restrictions possible depending country of residence.
No No special charges for
Zuger Kantonalbank No (except for
temporary stay abroad)
- - No Special charges for
customers abroad Valiant Bank Yes, except for countries
subject to embargo Private account Savings account Pension account Vested benefit account Mortgage Investment account Credit card Maestro card E-Banking (only information retrieval) Link to Switzerland No active acquisition, no crossborder-services:
Offers only submitted individually for each customer personally at the bank in Bern
No Additional charges of CHF
40 p/month
Migros Bank Yes
Allocation to 3 groups: 1) residence in the US 2) residence in the EU 3) residence “rest of the world” Private account Savings account Pension account (continuation only) Mortgage Investment account* Credit card* Maestro card* E-Banking* *Restricted for US persons CHF 250'000 for customer groups: residence „rest of the world“ and „the US”
CHF 5 p/month for OECD-countries
CHF 10 p/month for non-OECD-countries
Raiffeisen Yes, except for
Argentina, Ivory Coast, India, Kazakhstan, Libya, Malaysia, Morocco, Russia, South Africa, US, etc. Private account Savings account Pension account Mortgage Investment account Credit card Maestro card E-Banking Restrictions possible, depending country of residence CHF 50'000 Additional charges CHF 20 p/month for customers abroad
Swissquote Yes, except for residents of the US and to some extent of Canada Restrictions possible also in other countries
Private account Savings account Pension account Mortgage Investment account Credit card Maestro card E-Banking Depending on country of residence
No additional charges for customers abroad
Wir Bank Yes, in EU/EFTA-countries and some other selected states with low corruption according to Corruption Perceptions Index Private account Savings account Pension account Mortgage Investment account Credit card Maestro card E-Banking
No No additional charges for
customers abroad Neue Helvetische Bank Yes To be examined individually To be examined individually
No No additional charges for
customers abroad PostFinance Yes, except for countries
subject to embargo Private account Investment account Mortgage Self-declaration regarding tax compliance No CHF 15 p/month
Offer available for the Swiss abroad Offer not available for the Swiss abroad
The offer “Mortgage” applies only to real estate property in Switzerland
The information available is valid at the time of the survey and is subject to alterations by the financial institutions in question. The interviewed institutions all emphasized, that their business practices are not depending on citizenship; however, they are being determined by the place of residence of customers.
