CIC-ON CIC-ON
FINANCIAL BUILDING BLOCKS

AS INDIVIDUAL AS YOU ARE

FINANCIAL BUILDING BLOCKS

BANKING THAT’S TAILORED TO YOUR NEEDS.

With CIC ON, you can put together your banking package freely and flexibly. This means that the best possible solution is available to you at all times. In addition, you have access to independent investment products, as well as support in building up your assets and pension planning.

YOUR ADVANTAGES AT A GLANCE:

  • Efficient asset accumulation and sound pension planning
  • As a client of the bank, if you need to, you can open other products and services in CIC eLounge in real time whenever you like.
  • All services to do with bank accounts, investment and retirement can be used digitally via CIC eLounge
  • Individual solutions tailored to your needs
  • Your own personal contact person who you can speak to via telephone or video call
  • Broad range of payment services in Switzerland and abroad
  • Secure email correspondence via SecureMail
  • Consolidated overview of all your assets and their performance
  • We will help you switch banks by providing all the necessary templates
Privatkonto
PRIVATE ACCOUNT

CARRY OUT DAY-TO-DAY BANKING TRANSACTIONS WITHOUT THE STRESS.

Looking for an easy way to pay your bills or what you spend in shops and restaurants? With the CIC ON private account, your day-to-day financial transactions are child's play – any time of the day or night. And the best thing is: opening an account with us costs nothing. This account also has no monthly fees.

YOUR ADVANTAGES AT A GLANCE:

  • Main account free of charge
  • Open a number of accounts free of charge, including in foreign currencies
  • Constantly updated overview of your assets thanks to practical balance preview
  • Domestic and foreign payment orders are easy – any time, anywhere
  • With eBills, you can receive, review and pay your bills conveniently, directly in eLounge
  • Credit cards and mobile payments for greater convenience
Visa Debit Card

PAY ANYTIME, ANYWHERE.

Would you like a card for all your payments? The modern CIC ON Visa debit card enables you to withdraw cash, make cashless purchases and shop online 24 hours a day – in more than 200 countries all over the world. 

Your advantages at a glance:

  • Cashless payments all over the world
  • Shop online worldwide with 3-D Secure
  • Mobile payments with smartphone and smartwatch
  • Lodge your card details for subscription services (e.g. Spotify, Netflix)
  • Reservations (hotel, car, etc.)
  • Pay up to CHF 80 without entering your PIN (contactless function)
  • Cash withdrawals at all ATMs in Switzerland (in CHF and EUR)
  • You can also withdraw cash (in local currency) at any ATM in the world with the Visa logo
Sparkonto
SAVINGS ACCOUNT

THE traditional SAVINGS SOLUTION.

Would you like to save up for your next big trip or a major purchase? Or set something aside each month towards paying your taxes? The CIC ON savings account provides the flexibility you need to build up reserves for your future dreams. It doesn't matter how many projects you want to save for, or what they are – our savings account offers the perfect foundation.

YOUR ADVANTAGES AT A GLANCE:

  • An excellent way to save for short and medium-term objectives
  • Maximum safety if you do not want to invest in securities or other assets
  • It costs nothing to open additional savings accounts – to save individually for separate goals – with each account being given its own personalised name
  • Access your capital at any time without restrictions
  • Practical access to your account 24 hours a day via eLounge
  • No account fees
CLEVERINVEST PORTFOLIO

BUILD UP ASSETS EASILY AND EFFICIENTLY.

cleverinvest is Bank CIC’s intelligent solution for continuously building up your assets, even with small amounts. Learn about the benefits of our flexible alternative to a conventional savings account. Even with a small starting balance, you can enjoy opportunities for high returns.

YOUR ADVANTAGES AT A GLANCE:

  • Quick and easy to open online
  • Invest in themes that fit with your personal interests
  • An attractive alternative to a conventional savings account
  • The themes and equity weighting selected can be adjusted at any time
  • Access your assets whenever you like
  • Withdraw some or all of your assets at any time
  • Transparent information about how the assets are performing
  • Low investment costs
3A RETIREMENT SAVINGS

SETTING YOU UP FINANCIALLY FOR THE FUTURE.

Do you want to provide for your future, still have enough money later in life to make your dreams come true and save taxes at the same time? Then the 3a retirement solution from CIC ON is just right for you. Investing your money in funds also allows you to benefit from opportunities for higher returns.

YOUR ADVANTAGES AT A GLANCE:

  • Just save, or invest at the same time – the choice is yours
  • Getting an overview of your assets is quick and easy 24/7 thanks to eLounge
  • Benefit from tax advantages
  • Enjoy opportunities for higher returns by putting your money in low-cost investment solutions
  • Buy and sell funds directly in eLounge at any time
  • Use a standing order to invest regularly, so you can benefit over the long term by buying funds at low prices
  • A range of over 30 attractive retirement funds from various providers
  • No charge to open multiple 3a retirement accounts, and no account management fees
  • Benefit from a strong partner and one of the best interest rates on your account in Switzerland
VESTED BENEFITS ACCOUNT

KEEP YOUR MONEY SAFE.

Are you planning to leave your job and go on a long holiday? Or would you like to reconsider your career plans and take some time out? Once you have to withdraw your pension fund assets, our vested benefits account is the ideal solution until you join a pension fund again. You can only open a vested benefits account at CIC ON if you already have another account with us.

YOUR ADVANTAGES AT A GLANCE:

  • An easy way to keep your pension assets safe
  • Enjoy opportunities for higher returns by investing in retirement funds
  • Getting an overview of your assets is quick and easy 24/7 thanks to eLounge
  • Attractive preferential interest rate
  • Assets (including interest) tax-exempt for the entire term
  • Maximum safety thanks to the OPA
A vested benefits account can only be opened in combination with a personal or savings account or a cleverinvest portfolio.