Pricing

Products and services

(valid from 1 May 2025)

Accounts

Private account	First personal or current account free, each additional one CHF 2 per month ^{1, 2} Currencies: CHF, EUR, USD, GBP Current interest rate³: CHF 0.030% CHF, other currencies 0.000% Account opening and closure: free No withdrawal conditions if other services are used, e.g. cleverinvest ⁴
Current account	First personal or current account free, each additional one CHF 2 per month ^{1, 2} Currencies: various currencies excluding CHF, EUR, USD, GBP Current interest rate³: 0.000% (all currencies) Account opening and closure: free No withdrawal conditions
Savings account	Free (regardless of number) Currency: CHF Current interest rate³: CHF 0.20% Account opening and closure: free No withdrawal conditions if other services are used, e.g. cleverinvest ⁴
Investment account	Free (regardless of number) Currencies: CHF and EUR Current interest rate³: CHF 0.05%, EUR 0.750% Account opening and closure: free No withdrawal conditions if other services are used, e.g. cleverinvest ⁴

Services

eLounge	Free of charge Available 24/7 Full transparency and an overview of the performance of your assets Make payments quickly and easily Open additional accounts and securities portfolios Set up individual notifications (e.g. account movements, eBills, etc.) Grant powers of attorney Communicate securely and confidentially with the CIC ON advisory team directly in eLounge Digital document storage A single login for all your banking relationships, available as an app and on your desktop
Documents	Free digital provision of all bank statements and tax documents in CIC eLounge Digital storage of all agreements and correspondence in CIC eLounge
Costs per document of sending hard-copy bank statements (original and copies)	Individual advices Credit and debit advices, pre-advices, fee advices, etc. CHF 2.00 Statements of capital and interest CHF 2.00 Account statements Annual, quarterly, monthly, weekly, daily CHF 5.00 Asset statement for discretionary mandate annual - free monthly and quarterly - CHF 5.00 Statement of assets for advisory mandate and execution-only portfolio Annual, quarterly and monthly - CHF 5.00 Bank statements for 3a retirement relationships and vested benefit relationships free The costs are charged quarterly.
Switching banks	Support when transferring your assets
Cyber insurance	A way of comprehensively protecting yourself against dangers on the internet

Payment transactions via CIC eLounge

Domestic payments	in CHF and EUR: free ^{6, 7} Other currencies: CHF 4 per payment ^{6, 7}
Foreign payments	SEPA (in EUR): free ^6, ^{7, 8} Other currencies: CHF 4 per payment ^6, ^{7, 8}
eBills	free⁷
Direct debit (LSV+)	free⁷
QR-bills	free⁷
Scan payment slips	free in the CIC eLounge app

Debit cards

First card	CHF 4 per month ¹ Card provider: Bank CIC (VISA) Currency: CHF
Second card	CHF 2 per month ¹ Card provider: Bank CIC (VISA) Currency: CHF
Cash withdrawals in CHF in Switzerland	One free withdrawal per month, after that CHF 2 per withdrawal
Cash withdrawals in EUR in Switzerland	CHF 4.50 per withdrawal
Cash withdrawal abroad	CHF 5 per withdrawal
Online payments or by card	Free in Switzerland Free abroad¹¹
Mobile payments	Free

Investing

cleverinvest	All-in fee of 0.50% p.a. of portfolio value Change of themes or equity weighting free of charge Tax statement free in conjunction with cleverinvest portfolio More information
Securities custody account	Custody account fee 0.30% p.a. ⁹

Retirement savings

3a retirement account	free of charge
3a retirement funds	Current interest rate: CHF 0.60% All-In Fee of 0.5% p.a. of portfolio value¹⁰ (Initial investment in retirement funds: the first 3 months free of charge)
Vested benefits account	free of charge
Vested benefit retirement funds	Current interest rate: CHF 0.15% All-in fee of 0.5% p.a. of portfolio value

Conditions for other Bank CIC services can be requested from the client advisors.

Key
1 Debited quarterly in advance, for the first time in the quarter after opening.
2 Applies to clients domiciled in Switzerland. Conditions for clients domiciled abroad: First personal or current account CHF 4 per month, each additional one CHF 2 per month.
3 The interest rates published apply to clients domiciled in Switzerland. Conditions for clients domiciled abroad upon request. The interest cap is CHF 2.5 million for a personal account. Interest rates for larger amounts on request. The overdraft interest rate is: CHF 9.000%, EUR 8.500%, GBP and USD 8.000%. Interest rate for other foreign currencies on request.
4 Withdrawal limits without notice: personal account CHF 500,000 p.a., investment account CHF 50,000 p.a., savings accounts CHF 25,000 p.a. The bank may charge 0.5% of the amount in excess of the limit if no notice is given. This does not apply to withdrawals to invest in cleverinvest or to buy securities or precious metals.
5 Payment orders not issued via eLounge are subject to the standard tariffs of Bank CIC.
6 Applies to individual payments and standing orders.
7 Premium for payments from a savings or investment account: Savings account two / investment account four payment orders p.a. free of charge, other orders CHF 5 per payment (not applicable to account transfers or purchases of securities and precious metals).
8 With foreign payments, additional third-party charges may be debited by the beneficiary bank.
9 For details of the terms and conditions for trading in securities, please speak to the CIC ON advisory team.
10 Minimum CHF 50. The amount is debited annually on 31.12. or when the balance is debited from the 3a retirement savings account. The basis of the calculation is the respective deposit assets on the 25th of the month. Clients domiciled in Switzerland or the Principality of Liechtenstein must also pay value added tax. On closing an account, the current month will still be invoiced – the fee will be calculated on the basis of the assets held in custody on the day of sale.
11 Foreign currencies are settled at the Visa exchange rate at the time of booking. The exchange rate surcharge is 1.5%.

The Bank reserves the right to change its prices, rates and services at any time. The General Terms and Conditions of Business of Bank CIC apply.