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  #21  
Old 11.02.2015, 19:05
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Re: No love for Raiffeisen bank at EF?

im with them since 8 years, no stress, all good.
got all cards for low service fees etc. they have nice offers like
ski passes for free or 50% for concert tix etc. 60 museums i can visit for free in CH, I cant complain.
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  #22  
Old 11.02.2015, 21:33
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Re: No love for Raiffeisen bank at EF?

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Could you elaborate on the yearly fees of having an account + membership Plus?
While you're waiting for the answer, here's mine:
  • membership isn't necessary to open an account
  • membership is necessary for the museum and ticket discounts
  • you can cancel your membership at any time and promptly receive a refund of your membership contribution
  • previously, membership meant you agreed to sharing the financial liability to the tune of a few thousand CHFs if Raiffeisen somehow got into trouble, but they have since remove that condition
  • the cost of membership varies depending on locality, and ranges from CHF 100.- on up to a few hundred CHFs
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  #23  
Old 11.02.2015, 21:57
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Re: No love for Raiffeisen bank at EF?

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You might not "need" cash, but unlike Norway and Sweden which are encouraging the trend towards cashless commerce for everyday purposes, Swiss people (and people living in CH?) quite often pay in cash. Only if you are lucky and choose the right machine with the right options will you be dispensed anything smaller than a 100sfr note. Noone will even raise eyebrows if you want to pay for a coffee with a 200 sfr note.

Recently I was at the local ski shop having bindings adjusted and an older woman (65+ plus I would reckon) was buying herself a new helmet. When asked if she wanted to pay cash or card she initially said card, then hearing it was 269sfr said, "oh, I'll pay cash then" and pulled out a 500sfr note. Convert that to noks and you will realise that not many people in Norway keep cash like that in their wallets (certainly not since pickpocketing has become popular, in Oslo at least)

We have ZKB, no complaints. When in Norway we had Nordea, if that is any comparison. My experience is that all the little perks that banks offer to attract customers are just one way to cover up something else, and are those perks only for first year or as long as you hold account?
500 CHF note, seems like a story to me in 2015, had you said 1000 CHF note I would have believed you.
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Old 11.02.2015, 22:02
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Re: No love for Raiffeisen bank at EF?

What I like about Raiffeisen is their dedication to customer service. Also, unlike the other 2-3 incumbent banks, you hardly hear any negative news from them in the media. Another plus is, that there is an ATM located at most major train stations. I can certainly recommend them.
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  #25  
Old 12.02.2015, 02:57
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Re: No love for Raiffeisen bank at EF?

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what i like about raiffeisen is their dedication to customer service. Also, unlike the other 2-3 incumbent banks, you hardly hear any negative news from them in the media. another plus is, that there is an atm located at most major train stations. I can certainly recommend them.
+1
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  #26  
Old 12.02.2015, 04:58
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Re: No love for Raiffeisen bank at EF?

Been with Raiffeisen almost 3 years in Fribourg and had excellent customer service, flexible when a temporary overdraft facility was needed, always seen by same manager when requested a meeting and fast responses to Email questions.
We have the members+ account, it was a one off 200CHF payment (refundable) but with a family of 4 who also like museums we already saved much more than this. Also free kids pocket money savings accounts.
We are very happy with them so far.
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  #27  
Old 12.02.2015, 08:12
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Re: No love for Raiffeisen bank at EF?

Been with them for 8 years I think. They don't do complicated stuff. But they do the basic things really well, including customer service. I was invited to their box at the World Cup ski race in adebolden, st.moritz, and also once to a musical in Zurich.
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  #28  
Old 12.02.2015, 13:24
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Re: No love for Raiffeisen bank at EF?

Been with them for 5 years. It may have been a farmers bank at one point in history but today they are just as efficient as any other international bank. Membership is worth it for the perks but make sure you read the small print of the membership offers because they are very limited regarding dates.

If you don't need a Maestro card (40.00 annual fee) you can get the Bank card for free instead but you can only use it to get cash.

There are cheaper banks for your Investments and forget their credit card and get Cembra for free instead plus collect Cumulus points every time you use it.
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  #29  
Old 12.02.2015, 14:36
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Re: No love for Raiffeisen bank at EF?

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Could you elaborate on the yearly fees of having an account + membership Plus?
Sorry, a bit late for a reply ..

There is no yearly fees for Member+ account. There is one time CHF 200,- which you'll be able to withdraw when you close your account.

There is yearly fee for the Maestro card, which is CHF 30,-. It same like other bank i think.


Anyway, RB is currently the 4th biggest Bank group in CH. It is now in category "too big to fail"...
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  #30  
Old 12.02.2015, 14:47
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Re: No love for Raiffeisen bank at EF?

I wouldn't be so sure:

http://www.zerohedge.com/news/2015-0...ers-firms-demi
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Old 12.02.2015, 14:58
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Re: No love for Raiffeisen bank at EF?

I thought that they share the name, but they are not the same bank.
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Old 12.02.2015, 16:37
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Re: No love for Raiffeisen bank at EF?

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Been with them for 5 years. It may have been a farmers bank at one point in history but today they are just as efficient as any other international bank. Membership is worth it for the perks but make sure you read the small print of the membership offers because they are very limited regarding dates.

If you don't need a Maestro card (40.00 annual fee) you can get the Bank card for free instead but you can only use it to get cash.

There are cheaper banks for your Investments and forget their credit card and get Cembra for free instead plus collect Cumulus points every time you use it.
Apparently, all the banks either use Cembra or Viseca, even Raiffeisen.
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  #33  
Old 15.02.2015, 13:09
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Re: No love for Raiffeisen bank at EF?

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Apparently, all the banks either use Cembra or Viseca, even Raiffeisen.
Wouldn't know about that. All I know is that the Migros Cembra Credit Card costs nothing and the Raiffeisen is 100CHF a year.
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  #34  
Old 15.02.2015, 14:24
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Re: No love for Raiffeisen bank at EF?

Used to be my fav bank with friendly tellers. Now it is not. Tellers have disappeared at our branch & we're expected to use a machine (which happens to be something I detest, especially given machine frauds).
Last time I went in with my son who wanted to open an account. The receptionist said "you need an appointment to open an account. When do you want one?". I said "now seeing as I am standing here", she said "that is not possible". "Fine" I said (with a few more fruitier words) + off I went to the Post Office to open an account there, which was achieved to my satisfaction within minutes and a friendly Post Office worker.
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  #35  
Old 05.03.2015, 00:05
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Re: No love for Raiffeisen bank at EF?

Confirmed. You need to know one of the three official languages to open an account at Raiffeisen (tried the one at Oerlikon). Fortunately I can understand Italian good enough that the employee accepted my application. However, with just the receipt saying that I was registered at the Kreisbüro was not enough. They needed the actual card.

Then I went to Post Finance and the same story. No account without the card.

Since I have the appointment for the picture ID at the end of the month, I will get my first salary in cash.
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Old 05.03.2015, 00:14
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Re: No love for Raiffeisen bank at EF?

I like Raiffeisen because they are more oriented towards the community they serve, rather than some mysterious dark force somewhere intent on gaming the market to take over the world. We know the individuals that run our branch, and where they live. They are more cautious about who they open accounts for. They were hesitant to open an account for me until they realized I live in their community.
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  #37  
Old 09.03.2015, 14:57
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Re: No love for Raiffeisen bank at EF?

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Then I went to Post Finance and the same story. No account without the card.
Just in case, somebody needs this. I went to another branch (8051 Zurich) and they asked me for another paper (Wohnsitzbestätigung). So after paying 30 chf at the Kreisbüro, I managed to open an account in Switzerland!

So no need for my permit to arrive.
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