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Ok, I will investigate the Coop bank. I have a vague recollection that you need to pay per internet banking transaction and that this does not disappear over say 10k. But maybe I am wrong.
Were you a member of the Raiffeisen cooperative during those years? They have a few deals like better interest and free Maestro and credit card initially, but I do not understand if you get the startup fee back when you leave...
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Funny, Muze7, but i started this year with exact same intention to migrate from UBS to Raiffeisen. After having been with UBS for over a year i felt good about UBS stability and presense. But looking at investments (UBS suggested some of their funds paying meagre 5-6% before management fees!) Raiffeisen's plain deposit rates can beat those investments.
As Richard noted, and i read some reviews too, UBS and Credit Suisse are on the bottom of cost-efficiency while RF ranked some of the top ones in Suisse. I took some EUR out of my CHF account and, being a forex trader, was plainly shocked when realized that UBS made 240pips off me off the bat. I expected some exchange rate difference but not so voraciously much. No more currency operations with them, am going directly to interactive brokers for any currency conversions!
Then i requested a reference and was told 100 swisses. Couldn't beat the feeling UBS is trying to recoup their credit crisis losses on their customers. Will proceed with RF in any case. Deutsch ist keine Issue, even exciting as at the end you come out more educated rather than trying to play it safe.