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je connais mon banquier je connais mon banquier je connais mon banquierBanking servicesje connais mon banquier je connais mon banquier je connais mon banquierje connais mon banquier je connais mon banquier je connais mon banquierFees and conditions as of 01.01.2022je connais mon banquier je connais mon banquier je connais mon banquierje connais mon banquier je connais mon banquier je connais mon banquierje connais mon banquier je connais mon banquier je connais mon banquierje connais mon banquier je connais mon banquier je connais mon banquierje connais mon banquier je connais mon banquier je connais mon banquierje connais mon banquier je connais mon banquier je connais mon banquierje connais mon banquier je connais mon banquier je connais mon banquierje connais mon banquier je connais mon banquier je connais mon banquierje connais mon banquier je connais mon banquier je connais mon banquier
Banking services indexGeneral Information3Private accounts5Savings accounts6Pension planning accounts7Portfolios managed by the client9Investment fund savings accounts11Private and company accounts12Company accounts13BCGE cards and branch transactions14Credit cards for individuals15Prepaid cards for individuals16Corporate credit cards17Payment transactions18Cheques and sight drafts drawn on banks19General conditions for commercial papers20Check-up20Safe deposit boxes21
General informationGeneral informationGeneral conditions§§§§§Accountopening and closingInterest ratesBank statementsClosing statementsWithholding taxPrinting and postage costs 2VATFees in foreign currencyBCGE cards and BCGE credit cardsSecure connection to Netbanking3Your adviser is at your disposal to provide you with any further information on our services and feesThe bank reserves the right to modify the fees and conditions of its services, according to the economic environment and the evolution of the marketsElectronic advices and statements are available free of charge on NetbankingAdditional information on BCGE products and services is available on the websites bcge.ch and synchronyfunds.comFees, which are charged on a periodic basis, are payable for the entire invoicing period once it has begunFree of charge 1Available from BCGE branches or online at bcge.chMonthlyAnnual35% of gross credit interest amounts of CHF 200 with only one closing statement per calendar year§§§§In Switzerland A-mail: CHF 2.10/postageIn Switzerland B-mail: CHF 1.90/postageAbroad CHF 2.80/postageNetbanking: free of chargeThe rates and fees referred to in this brochure, which are subject to value added tax legislation, are indicated VAT. VAT is only charged to clientsdomiciled in Switzerland and Liechtenstein, clients domiciled abroad are exempt from VATRates and fees are charged in CHF or the equivalent value in foreign currency, excluding credit cardsGranted subject to conditions§ CrontoSign Swiss application: free of charge§ CrontoSign Swiss optical reader: CHF 50 VATFor more information, contact your adviser1 A flat-rate opening fee may be charged for a complex relationship. Please contact your adviser for further information2 For non-standard postage, the costs are charged to the client (plus administration costs)
General information (cont.)Other feesSuccessionThe processing of successions is invoiced at CHF 120/hour VAT, min. CHF 120 VATInternal and external searchesCHF 120/hour VAT, min. CHF 50/case VAT 3 or according to invoicingBlocking feesIf a letter is returned twice due to incorrect address: CHF 30/case VATPreparing and sending of a duplicate statement, accountstatement or confirmation by post, fax or e-mail§ CHF 30/case postage; surcharge of CH 25 if urgent§ For complex cases, the hourly search rate above appliesReminderCHF 30Hold mailCHF 600/year VATDormant accountCHF 300/year VATNumbered accountCHF 1,000/year VATDomiciliary companyCHF 3,000/year VATClients with custody accounts:§ Switzerland: CHF 60 4/portfolio of custody account concerned VAT§ France: CHF 80 4 5 6/client§ Other countries: CHF 80 4 5/clientAnnual tax statement 7Business relationship attestationMin. CHF 300 VATClient domiciled outsideSwitzerland4Clients without custody accounts:§ France: CHF 10 4 5/clientCHF 22 4 5 8/quarter345678Including research and document costs resulting from the client’s non-compliance with regulations or a request from an authorityNot invoiced to clients: holders of a Best of mandate or with an all-inclusive package valid on the day of invoicing except Best of Genesis or young people up to the age of 25Not invoiced to clients who only hold an Epargne 3 or Libre Passage accountFor clients who only have a Pension Fund Savings Plan account, the same fees apply as for clients without custody accountsProduced automatically or on request, depending on availability by country of tax residence. Please contact your adviser for further informationNot charged to clients with a mortgage loan
Private accountsPrivate accountsClientsCharacteristicsCurrencyBCGE Privé 12-25Individual clients from the age of 26Young professionals and students aged between 12 and 25An account to deposit salary, regular income or pension and tomake paymentsAn account to receive salary or income from a temporary job andcarry out all banking transactionsCHF, EUR, USDCHF, EUR, USDCHF 3/monthFree of chargeRemuneration limitNoneNoneWithdrawal limitNoneNoneClosing statements§ Annual§ Quarterly if 1) the balance of the account after calculation of theclosing is negative or 2) the sum of the fees or debit interest resultingfrom the closing is CHF 200§ Annual§ Quarterly if 1) the balance of the account after calculation of theclosing is negative or 2) the sum of the fees or debit interest resultingfrom the closing is CHF 200Additional services§ Netbanking and e-Safe: access free of charge§ BCGE Debit Mastercard§ BCGE Credit card or PrePaid card§§§§Account maintenance fee5BCGE Privé 9Netbanking and e-Safe: access free of chargeBCGE Debit Mastercard: free of chargeBCGE Credit card or PrePaid card: main card free of chargeExtra-banking offers: many highly attractive partner benefits anda welcome gift to discover on our website bcge.ch/jeunes9 Identical conditions apply to City, City and Privé Aîné accounts, with the exception of the withdrawal limits (CHF 50,000/year; withdrawals in excess of this limit are subject to31 days’ advance notice); in the event of non-compliance, 2% of the amount exceeding the limit will be debited
Savings accountBCGE Epargne 10Savings accountsClientsCharacteristicsCurrencyAccount maintenance feeRemuneration limitWithdrawal limitCompensation for exceeding the withdrawal limitAdditional servicesComments6Epargne Classic accountEpargne Jeunesse accountStart’Ep accountIndividual clients from the age of 18Young people up to the age of 18Young people between 12 and 18years oldAn account to build up financial reserves with the aim of undertakingshort or medium-term projectsAn account to build up a startingcapital for a child until he or sheturns 18An account that enables you tostart saving independently andbetter prepare your future projectsCHFEUR, USD, CNY, GBPCHF, EUR, USDCHF, EUR, USDNoneNoneNoneNoneCHF 500,000EUR 300,000/USD 500,000/CNY 3,200,000/GBP 400,000CHF/EUR/USD 25,000 at apreferential interest rateCHF/EUR/USD 25,000 at apreferential interest rate§ CHF 50,000/year§ 31 days’ notice for larger amounts§ CHF 50,000/year§ 31 days’ notice for larger amounts§ CHF 50,000/year§ 31 days’ notice for larger amounts§ CHF 50,000/year§ 31 days’ notice for larger amounts§ 2% of the amount over the limit§ If closing the account by bank transfer and without issuing a withdrawal notice, the processing of the transaction can take up to 48 hours§ Netbanking and e-Safe:access free of charge§ Avantage service loyaltyprogramme up to 2%additional interest 11CHF 5 surcharge on paymentsmade from this account overand above the standard rates,with some exceptions (see detailson page 18)Netbanking and e-Safe:access free of charge§ Netbanking: access free of charge(consultation only)§ e-Safe: access free of charge§ ATM deposit card:1st card free of charge§ Netbanking: access free of charge(consultation and transfers)§ e-Safe: access free of charge§ BCGE card/ATM deposit card1st card free of chargeCHF 5 surcharge on paymentsmade from this account overand above the standard rates,with some exceptions (see detailson page 18)§ Converted automatically intoa BCGE Epargne account oran Epargne Classic accountaccording to the currency on theaccount holder’s 18th birthday§ CHF 5 surcharge on paymentsmade from this account overand above the standard rates,with some exceptions(see details on page 18)§ Free withdrawals at cantonalbank ATMs§ Converted automatically intoa BCGE Epargne account oran Epargne Classic accountaccording to the currency on theaccount holder’s 18th birthday§ CHF 5 surcharge on paymentsmade from this account overand above the standard rates,with some exceptions(see details on page 18)10 Identical conditions for Epargne Classic accounts in CHF, except for access to the Avantage service loyalty programme which is not authorised.Interest rates are available at any BCGE branch11 See conditions at a branch or at avantageservice.ch
Pension planning accountsEpargne 3 account (3rd pillar a)Pension planning accountsClientsCharacteristicsCurrencyRemuneration limitAn account for making up any shortfalls in 1st and 2ndpillar pension contributionsPlan for automatic monthly investment in one or a maximum of twoSynchrony LPP Funds 12, aimed at boosting Pillar 3 a assetsCHFCHFNoneConditionsPayment conditions–§ Initial payment: min. CHF 100§ For members of an occupational pension fund:max. CHF 6,883 p.a.§ For non-members of an occupational pension fund:20% of income but a max. of CHF 34,416 p.a.–Withdrawal conditionsThe capital is paid out at the earliest 5 years before,and at the latest 5 years after reaching retirement age,or in accordance with the legal and regulatory conditionsin force at the time of pay-out 13Brokerage feePrinting and postage costsFees for excess contributionsWithdrawal fees for home ownershipor to repay a mortgage loanClosing fees§ Hold an Epargne 3 account (3rd pillar a)§ The credit balance on the Epargne 3 account must exceed CHF 50 at all times§ A max. of five plans per person§§§§§Min. initial investment: CHF 100 (via Epargne 3 account)Monthly investment: min. CHF 100Payment by monthly standing order from a BCGE account into the Epargne 3 accountFor members of an occupational pension fund: max. CHF 6,883 p.a.For non-members of an occupational pension fund: 20% of income but a max.CHF 34,416 p.a.§ Automatic investment as soon as the minimum investment amount is reached§ The entire balance in the account is invested (except for any residual sum which isinsufficient to buy one or more whole fund units. This residual sum remains in theaccount until an additional amount is paid in, which will allow for the purchase ofa further whole unit(s) in the fund)§ The amount of the sale of the funds remains in the Epargne 3 account in accordancewith legal and regulatory conditions in force at the time of the sale§ The capital is paid out at the earliest 5 years before, and at the latest 5 years after reaching retirementage, or in accordance with the legal and regulatory conditions in force at the time of pay-out 13Free of chargeAdministration fee7–Investment conditionsAccount maintenance feePension fund savings planIndividuals in gainful employment in Switzerland who are contributing to the Swiss AVS between the age of 18 and 65 (64 for women) and up tothe age of 70 (69 for women) provided they are still in gainful employment––None–NoneSee general conditionsNoneCHF 20–CHF 50–§ Reason: free of charge if legal retirement age§ Other reason: CHF 120§ If capital invested in Synchrony LPP Funds: CHF 60§ 1st year: CHF 200§ 2nd year: CHF 100§ 3rd year and beyond: free of chargeExternal securities transfer–Not authorisedLimit on wealth invested–NoneSwapping fund unitsheld in the custody account–§ 1st year: CHF 200/change§ From the 2nd year: 1st change free of charge and subsequent changes: CHF 200/changeModification of selected investment fundsfor automatic investment–Free of charge
Pension planning accounts (cont.)Epargne 3 account (3rd pillar a)Pension planning accountsSuccession fees(including closing fees)Financial and tax statementAdditional servicesCommentsPension fund savings plan–CHF 120Annual financial statement and tax statement: free of charge§ Possibility to invest all or part of the pension assets in Synchrony LPP Funds 12§ Pure risk insurance§ Additional interest bonus on the BCGE Epargne account thanks to the Avantage service loyalty programme 14–Additional interest bonus on the Epargneaccount thanks to the Avantage serviceloyalty programme 14§ The amounts paid in are deductible from taxable income (subject to submission to Ordinary Taxationor to having filed, for persons taxed at source, an application for Subsequent Ordinary Taxation)§ In the event of death, the capital is protected and paid out to the beneficiaries in accordance with the law§ Epargne 3 assets cannot be seized as long as they remain invested within the framework of the3rd pillar scheme–Vested benefits accountPension planning accountsClientsCharacteristicsCurrencyAn account designed to protect 2nd pillar assets in the case of interruption or final termination of gainful employmentCHFRemuneration limitNonePayment conditionsOnly assets originating from an occupational pension fund or from the reimbursement of funds used for home ownership are acceptedWithdrawal conditionsAccount maintenance/custody account administration feeWithdrawal fees for home ownershipor to repay a mortgage loanClosing feesSuccession fees (including closing fees)Other feesFinancial and tax statementAdditional servicesSwapping fund units held in the custody accountComments8Individuals between age 18 and 65 (64 for women), and up to age 70 (69 for women)The capital is paid out at the earliest 5 years before, and at the latest 5 years after reaching retirement age, or in accordance with the legal and regulatoryconditions in force at the time of pay-out13Free of chargeCHF 500§ Reason legal retirement age: free of charge§ Other reason: CHF 120§ If capital invested in Synchrony LPP Funds: CHF 60CHF 120CHF 120/hour (min. CHF 50)Annual financial statement free of chargePossibility to invest all or part of the pension assets in Synchrony LPP Funds 12. Issues and redemptions of units in Synchrony LPP Funds are calculated free of commission§ 1st year: CHF 200/change§ From the 2nd year: 1st change free of charge 2nd and subsequent changes: CHF 200/change§ Interest income and pension capital are exempt from taxes until pay-out§ In the event of death, the capital is protected and paid out to the beneficiaries in accordance with the law§ Libre passage assets cannot be seized as long as they remain invested within the framework of the 3rd pillar scheme12 Please contact your adviser for further information13 Special conditions apply in the event of departure to an EU/EFTA country. Please contact your adviser for further information14 See conditions at a branch or at avantageservice.ch
Portfolios managed by the clientCustody accountsCustody accountsClientsCharacteristicsCurrency of the accounts linkedto the securities custody accountCustody feesInvoice frequencyExternal securities transferDelivery/physical withdrawal/remittanceMortgage noteClosing feesAdditional servicesIndividuals and companiesSecurities custody account for the constitution and management of assetsCHF and a choice of major foreign currencies§ Basic fee: 0.30% p.a. of the assets under management VAT§ Minimum fees 15:– CHF 100 p.a./securities custody account VAT– CHF 40 p.a./securities custody account without position VAT– CHF 25 p.a./position VAT§ Reduction of the basic fee:– Free of charge for BCGE shares, with no minimum fee– 0.25% for Synchrony investment funds and BCGE Certificates§ Surcharge on the basic fee:– 0.05% p.a. for numbered custody accounts, min. CHF 200 VATA– Insurance policy: CHF 25 VAT, except for pledged insurance policies– Segregated custody accounts: on requestQuarterly§ Swiss securities: CHF 100/line VATSecuritiesPrecious metals§ Other custodians: CHF 200/line VATFree of chargeCHF 200 VAT§ Non-interest-bearing management current accounts linked to the custody account (no account maintenance fees)§ Performance statement free of chargeFeesBrokerage fees§ Foreign securities: CHF 120/line VAT§ Deposited at BCGE: CHF 120/line VAT§ Deposited at BCGE: CHF 200/line VAT§ Lombard loan§ Tax statement16Bonds and similar securitiesTranchesEquities, external investment funds 17 and similar securities 16In CHF 18 and inforeign currenciesSwiss marketEuropean andNorth American marketsOther countriesMinimumCHF 120CHF 80CHF 120CHF 80%0.70%2.00%1.85%1.65%1.40%1.10%1.00%0.90%Up to CHFFrom CHFFrom CHFFrom CHFFrom CHFFrom CHFFrom 01Free of charge: BCGE shares, Synchrony Funds (see exceptions in the comment section) and BCGE Certificates9Comments§ No commission is charged on the issue or repurchase of Synchrony fund units for BCGE clients. However, the fund management company will chargethe sub-funds of the Synchrony Swiss Government Bonds and Synchrony Optimised SPI funds any additional costs incurred in connection with thepurchase or redemption of units in these funds. For more information on the flat-rate annual management fees charged, please refer to the fundprospectus (factsheet), which is available from your adviser or on the bcge.ch website§ All payment transactions made from the current management account are subject to a surcharge of CHF 5 on the fee applied according to the standard rates,with some exceptions (see details page 18)§ Any debit balances are subject to the lending rates available on the bcge.ch website
Portfolios managed by the client (cont.)1816 custody account (Online Trading 1816)Custody accountsClientsCharacteristicsCurrency of the accounts linkedto the securities custody accountCustody feesInvoice frequencyExternal securities transferClosing feesConditions of useAdditional servicesIndividuals and companiesSecurities custody account linked to 1816, for autonomous online portfolio managementCHF and a choice of major foreign currencies§ Basic fee: 0.10% p.a. of the assets under management VAT§ Minimum fee: CHF 40year VAT 15§ Reduction of the basic fee: free of charge for BCGE sharesQuarterlySwiss and foreign securities: CHF 50/line VATFree of chargeNetbanking with access to the 1816 service: free of charge§§§§Non-interest-bearing 1816 accounts (no account maintenance fee)Free performance statementTax statementFinancial informationTransactions registered online are invoiced per transaction 16Equities/Bonds/Warrants/ETFsTranchesBrokerage feesUp toFromFromFromFromFromAboveCHF1,000CHF1,001CHF 10,001CHF 25,001CHF 50,001CHF 100,001CHF 500,0012019Investment funds 15 17 19Swiss market and EuromarketbondsEuropean and US marketsOther marketsSwiss CHF40CHF40CHF60CHF150CHF225CHF400CHF 1,000CHF35CHF35CHF35CHF40CHF175CHF300CHF 1,000CHF40CHF40CHF40CHF150CHF225CHF400CHF 1,00082560130190190190152560130190190190Free of charge: BCGE shares, Synchrony Funds (see exceptions in the comment section) and BCGE CertificatesComments10§ No commission is charged on the issue or repurchase of Synchrony fund units for BCGE clients. The fund management company will chargethe sub-funds of the Synchrony Swiss Government Bonds and Synchrony Optimised SPI funds any additional costs incurred in connection withthe purchase or redemption of units in these funds. For more information on the flat-rate annual management fees charged, please refer to thefund prospectus (factsheet), which is available on the bcge.ch website§ Short-selling is not authorised§ Any debit balances are subject to the lending rates available on the bcge.ch website§ No lombard loan possible15 Except Synchrony funds, BCGE Certificates and BCGE shares16 Any duties and taxes are charged in addition17 For some investment funds that apply specific fees,additional fees may be charge18 Grey market, new issues: market price ½ of the brokeragefee up to the end of the subscription period19 Please contact your adviser for more informationon availability20 Transactions above CHF 1 million. Please contact your adviserfor further information21 Investment fund with Swiss ISIN code
Investment fund savings accountsBCGE Fund savings planInvestment fund istration feeIssue or repurchase of fund unitsPayment conditionsInvestment conditionsExternal securities transferWithdrawals/closing feesSwapping fund unitsheld in the custody accountModification of selected investment fundsfor automatic investmentAdditional servicesComments11Individual clientsPlan for automatic monthly investment in a Synchrony investment fund 22CHF, EUR, USDNoneSynchrony funds: free of charge§ Initial payment: min. CHF 100§ Monthly payment: min. CHF 100§ Exceptional payment: possibleAutomatic investment in the client’s chosen investment fund 23, as soon as the minimum investment amount is reached. The entire balance in theaccount is invested (except for any residual sum which is insufficient to buy one or more whole fund units. This residual sum remains in the accountuntil an additional amount is paid in, which will allow for the purchase of a further whole unit(s) in the fund)Not authorised§ 1st year: CHF 200/event VAT§ 2nd year: CHF 100/event VAT§ 3rd year and beyond: free of charge§ 1st year: CHF 200/change§ From the 2nd year: 1st change free of charge. 2nd and subsequent changes: CHF 200/changeFree of charge§ Tax statement (see rates on page 4)§ No administration fee on investment fund custody accounts§ The credit balance on the BCGE fund savings plan account must exceed CHF 50 at all times22 For more information on the Synchrony funds available, please contact your adviser
Private and company accountsPrivate and eration limitAccount openingAccount maintenance feeWithdrawal limitCredit limitPrinting and postage costsClosing statementsWithholding taxAdditional servicesComments12Current accountBCGE Garantie loyer accountIndividuals aged 18 years and over and companiesIndividuals and companiesCash account for payment transactions, mainly in current foreigncurrenciesBlocked account used to constitute a guarantee required by the lessorwhen renting a propertyAvailable in various currencies, except for those proposed with the BCGEPrivé (see page 5) and BCGE Entreprises (see page 13) accountsCHFNoneCHF 500,000Free of charge§ CHF 10 up to a guarantee of CHF 1,000§ CHF 20 from CHF 1,001 to CHF 10,000§ CHF 50 for CHF 10,000 and aboveCHF 24/quarterFree of chargeNoneThe guarantee is released in accordance with legal requirementsPossible, on request–See general conditionsSee general conditionsQuarterlyAnnual35% of gross interest amount35% of gross credit interest amount of CHF 200 and above§ Netbanking and e-Safe: access free of charge§ Business link: access free of charge§ Netbanking: access free of charge§ e-Safe: access free of charge–§ Interest may be withdrawn§ Certificate of deposit issued within 24h§ Documents submitted to the real estate agency by BCGE
Company accountsCompany accountsClientsCharacteristicsCurrencyRemuneration limitAccount openingAccount maintenance feeTransaction feeWithdrawal limitBCGE EntreprisesBCGE TrésorerieDeposit accountCompanies, self-employed individuals, liberalprofessions, associationsCompanies, self-employed individuals, liberalprofessions, associations, co-ownership bodiesCompaniesCurrent account of liquid assets forday-to-day operationsCash reserve accountAccount for cash reserves when founding acompany and increasing a company’s capital(public limited company, limited liabilitycompany or partnership limited by shares withits registered office in Switzerland)CHF, EUR, USD, GBP, JPY and CADCHF, EUR, USD§ CHF§ EUR or USD. Please contact your adviserfor more information on the payment of agiosNone§ CHF: 500,000§ EUR, USD: noneFree of chargeClosing statementsWithholding taxAdditional services13CommentsFree of chargeCHF 24/quarter––Free of chargeCHF 0.50/transaction entry–None§ CHF 100,000/year§ 31 days’ notice for larger amounts–2% of the amount over the limit–Compensation for exceeding thewithdrawal limitCredit limit–§ Administration fee 1‰ of the capital paymentamount (equivalent value in CHF: min. CHF 200,max. CHF 5,000)§ Delivery fee: min. CHF 50§ Modification fee: CHF 100 for each certificate–Possible, on requestQuarterly35% of gross interest amountNetbanking: access free of chargeBusiness link: access free of chargeDebit cardATM deposit cardMastercard Business card and Corporatecredit cardsTiered preferential interest rates fromCHF 250,000, EUR/USD 150,000, on theremuneration of the 48-hour term account.Please contact your adviser for further information§§§§§–§ Annual§ Quarterly if 1) the balance of the account aftercalculation of the closing is negative or 2) thesum of the fees or debit interest resulting fromthe closing is CHF 200§ With one single closing statement percalendar year: 35% of gross credit interestamount of CHF 200§ With several closing statements per calendar year:35% of gross interest amount§ Netbanking: access free of charge§ Business link: access free of charge§ ATM deposit cardPreferential interest rates–Half-yearly––§ Please contact your adviser for moreinformation on the capital deposit certificate§ No credit interest
BCGE cards and branch transactionsBCGE Debit MastercardBCGE Maestro card 23BCGE cardATM deposit cardCHF 40 24CHF 40 24CHF 10 24Free of chargeReplacement card(for lost, stolen, destroyed or damaged card)CHF 20CHF 20CHF 10–Permanent card blocking feeCHF 30CHF 30§ CHF 30§ CHF 5 by Netbanking–Temporary card blocking fee§ Free on “One” application§ CHF 30 by BCGEAnnual feeBCGE CardsRenewal of PIN codeSending card by registered postWithdrawals at BCGE andcantonal bank network ATMsCHF, EURIn SwitzerlandWithdrawals at(CHF, EUR)other banks’ ATMsAbroadCash deposits at BCGE ATMs (CHF, EUR)In Switzerlandand EuropeDaily ATM withdrawal limitOutside EuropePaymentBranch transactionsIn SwitzerlandAbroadCHF 10CHF 10CHF 10–Current postage ratesCurrent postage ratesCurrent postage rates–Free of chargeFree of chargeFree of charge (only BCGE ATMs)–§ CHF: CHF 2§ EUR: countervalue CHF4/withdrawal§ CHF: CHF 2§ EUR: countervalue CHF4/withdrawal–CHF 5/withdrawalCHF 5/withdrawal–Free of chargeCHF 5,000CHF 5,000Up to CHF 5,000 (BCGE ATMs only)–Free of chargeFree of charge–0.50% of amount, min. CHF 0.501% of amount, min. CHF 1.50–CHF 5/advice–Disputing an unjustified transactionCHF 30–Withdrawal (CHF, EUR)Forex for clientsForex for non clientsPurchase/sale of precious metals by clientsPurchase/sale of precious metals by non-clientsSorting cash to be credited to the accountIntervention feesBanknote delivery service (CHF and foreign currencies)Express delivery of foreign currencyOrder amount–CHF 3,000Generating and sending duplicatesWithdrawal/payment from/to an account in a foreigncurrency in the same currency as the account (agio)Withdrawal/payment from/to an accountheld with another cantonal bank14–CHF 3/withdrawal, private clients: free of charge above CHF 5,000 or equivalent in EUR1%, min. CHF 10CHF 10, on presentation of account card only§ CHF/EUR 3/transaction currency selling rate§ Other currencies: currency selling rateCHF 15/transaction currency selling rateFree of charge§ Up to CHF 1,000: CHF 5/transaction§ Above: CHF 25/transaction§ ATMs 1% of amount 24§ At a branch: 2% of amount 24In case of non-compliance with the procedure for using an ATM: CHF 120/hourOrder fee CHF/EUR/USD 5 agio 1% of the amount for EUR/USD or agio 1.5% of the amount for CHF (min. CHF 30, max. CHF 100)CHF/EUR/USD 25/postageCHF/EUR/USD min.: 100, max.: 20,000
Credit cards for individualsVisa and MastercardSilver card (Mastercard or Visa)Gold card (Mastercard or Visa)Platinum card (Visa)From 18 years oldFrom 18 years oldFrom 18 years oldA payment method offering numerousadvantages for shopping and travel,as well as related insuranceA payment method offering numerousadvantages for shopping and travel,as well as related insurance withextended coverFor discerning clients who are looking forexclusive servicesCurrencyCHFCHF, EUR, USDCHF, EUR, USDAccountsBCGE Privé/BCGE privé 12-25ClientsCharacteristicsCardsPurchasesMonthly limitMax CHF 10,000Max. CHF 20,000Max. CHF 300,000Annual feefor main card§ CHF 100§ Free up to 25 years old§ CHF/EUR/USD 200§ Free up to 25 years oldCHF 550, EUR 450, USD 450Annual feefor additional cardCHF 25CHF 50, EUR/USD 1007 additional cards free of chargeReplacementcard worldwideCHF 20Free of chargeFree of chargeCard blocking feeFree of chargeFree of chargeFree of chargeRenewal of PIN codeFree of chargeFree of chargeFree of chargeIn SwitzerlandFree of chargeForeign currency transactionsCHF transactions abroadCash withdrawalsATMs in SwitzerlandATMs outside SwitzerlandOther feesHandling fee of 1.75% of amount 26§ 4% of amount, min. CHF 10§ Free of charge, with direct debit option, at theentire network of ATMs of all cantonal banks§ 4% of amount, min. CHF/EUR/USD 10§ Free of charge, with direct debit option, at theentire network of ATMs of all cantonal banks§ 2.5% of amount, min. CHF 5, EUR/USD 3.50§ Free of charge, with direct debit option, at theentire network of ATMs of all cantonal banks4% of amount, min. CHF 104% of amount, min. CHF/EUR/USD 102.5% of amount min. CHF 10, EUR/USD 74% of amount, min. CHF/EUR/USD 10Hard-copy invoice§ CHF/EUR/USD 2/inv
Available from BCGE branches or online at bcge.ch 35% of gross credit interest amounts of CHF 200 with only one closing statement per calendar year § In Switzerland A-mail: CHF 2.10/postage § In Switzerland B-mail: CHF 1.90/postage § Abroad CHF 2.80/postage § Netbanking: free of charge
