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Postfinance termination
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Post finance actually became a bank and got a license back in 2013. I used them when I lived in Switzerland and even had my a mortgage on an apartment via them.
https://www.postfinance.ch/en/about...ostfinance-ltd-granted-a-banking-licence.html
Try this CA EssenCiel Pack - The banking service that changes everything - Crédit Agricole next bank
No additional fees for residents abroad, if you have at least 20'000 CHF this could be a replacement for the Postfinance account
No additional fees for residents abroad, if you have at least 20'000 CHF this could be a replacement for the Postfinance account
Hey that's very very good info indeed. I will do some research and might pull the trigger. Thx a lot!
I have try opening online of CA Next bank, but at the end of the opening request I had a message that the opening is not possible with the information provided.I am of Swiss nationality and resident in Malta.
That's not promising from CA . You would seem to me as an swiss expat to be the idle candidate for such a digital account. Must be an automated mistake.
I disagree. It's all about money and cover story.
If you -want- and CH bank account, it depends on who you are, where you are from and what you bring to the table.
If you live in FR/DE/AT/IT it is very easy to get an account. If you life elsewhere you have to have a good cover story (and some money and a 'idea' of growing that money with the CH bank). *the world is in flux, the next crisis is on our doorsteps, you want a safe heaven for you money with a prudent and safe bank, ergo a swiss bank* Do not bull s**t to much. Make a list of your trier 1 and tier 2 banks. Spend a week in Switzerland, test your story with the Tier 2 banks, see what questions they have and answer those questions already in your pitch to the Tier 1 banks. (Make you look professional, it's what the Swiss like)
Do not focus on Zurich, but try local banks and branches of UBS/CS.
CA/Next, CH/FR/DE residents only.
The below banks are open to non-resident account openings (If you have less than 25K CHF no need to apply):
Schaffhauser Kantonalbank
CS
UBS
Glarner KB
http://www.hypobank.ch/BCJ
BCN
Saanenbank
Sparkasse Egelsberg (now Sparkasse Schwyz, donno their current status)
St Galler KB
Zuricher Landbank (not ZKB, they are arrogant assholes
)You can also hop over to Germany and open a CH account at a German sparkasse. Cheap access to CH payment infra.
Giro swiss - Ihr Girokonto in Schweizer Franken - Sparkasse Hochrhein (e1,90)
https://www.sparkasse-loerrach.de/de/home/privatkunden/grenzgaenger.html
You need to make an appointment and visit them in person (no walk-ins, it is Germany!
I'm EU but not from any of those countries. CS gave me a flat 'No'. Going over to Switzerland is not a problem, but everybody in the phone is already telling me either 'No' or 'Only for >100K investment products from the bank'. And yes it is way more than 25K and I lived and worked in Switzerland in the past.
So basically an EU citizen with some good Swiss past (as bank history, rent, tex reports, etc I can provide) and some cash to park has no place, afaik atm in CH. Maybe if I had a business, expected growth or I were multi million it would be different. But for parking cash seems it's not.
I can check some other banks you mention...
So basically an EU citizen with some good Swiss past (as bank history, rent, tex reports, etc I can provide) and some cash to park has no place, afaik atm in CH. Maybe if I had a business, expected growth or I were multi million it would be different. But for parking cash seems it's not.
I can check some other banks you mention...
What about Swissquote? @Martin Everson mentioned them earlier in the thread. Generally no problem leaving cash with them.
Yeah I don't know about Swissquote... Maybe things changed recently but I only remember them as some trading platform. Maybe you could leave funds there etc. Dunno will have to check.
Anyway these are the kind of answers I get: 'Your country of domicile is one of the overseas markets in which St.Galler Kantonalbank is unable to open a business relationship'
Anyway these are the kind of answers I get: 'Your country of domicile is one of the overseas markets in which St.Galler Kantonalbank is unable to open a business relationship'
CA it's not a fantastic option. They toke newly it first name. IndoSuez CA. The compliance is very strict and exigent. They refuse any offshore company with no substance. They dont want Malta or Cyprus residence because they say that these countries don't signed some accords with ocde (really comic coming from CH). They don't accept non resident in the normal bank. Only in the private bank and you need min. 500K to be accepted as non resident. On the other hand they have the relatively most reasonable commissions from the world of private banking in ch.
SQ don't accept that you use the trading account as deposit. Only to trade. You must show that the deposit is to trade and it can't be used as parking for money. You need to move it
That is the default answer if you call. You have to go and visit them in person. You need to have a convincing cover story as to why the Skt Gallen KB. Skt Gallen is a good place to visit, Hypo-Voralberg is there, Acrevis and CS and UBS. Get yourself a room at the local Radisson Blue (and mention you choose that over the 'Einstein' due to a parking garage for your $german car (choose a brand that fits your personality/story (bmw/audi/mercedes/porsche) when asked where you are staying) You should have money available. The Euro/CHF future of Europe discussion is all very valid to them.
Spend a week there as you can walk in but need to make an appointment for later that week.
There is lots to do in and around Skt Gallen. Visit the Bodensee if the weather permits. Or drive to the smaller KB banks that surround the Skt Gallen area. When are succesful in opening your account, you will get your personal banker, after 4-6 months inquire about a safe depositbox. They will be happy to sell you one for ch200 a year
.Good luck!
(the phone has droids that use a script, hen you do walkin you personal banker will decide if they take you on as a client)
pratctically all the germanic part in CH is very arrogant and if you are not speaking german you will have difficult to enter in teyr roll, It's a very goodmaket for germans and Austria. Much better francophone part to treat in CHZuricher Landbank (not ZKB, they are arrogant assholes
Or Italian part
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