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| No special guarantees for 3a and Fz accounts. Some legislators are recently demanding such guarantees. Nothing decided yet.
The standard guarantee of 30k is not from the Government. The consortia of all Swiss banks promise to help the investors of the bankrupt bank. Consequently, amounts up to 30k are safer in a small bank! Imagine a big bank becoming insolvent. The others would not be able to rescue  | |
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But, I understand that the 3a and Fz accounts are held by the trust but is
just maintained by the bank. Its actually under the control of the trust (stiftung ??) and so in case the bank has problems, the money is still safe with the trust. Please feel free to correct me if my understanding on this is incorrect..