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Old 19.07.2011, 14:41
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Bank, account, card...

Hi all,

I've been having a look at several banking discussions but I havent' found exactly the answer to my question.
The main question is the one seen a lot of times:
What is the best bank to open an account in CH?

However, I'll be travelling so much to France, Spain and around EU in general.
Therefore, I need to take cash from different EU countries, the less percentages per transaction the better.
Moreover, I like the 'Premium Visa's' which have travel insurances...

Do you know any bank that could cover it without no so much fees?
I've checked HSBC, but HSBC in CH it seems is just for people that have fortune... which I can assure you is not my case...

Thanks guys!
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Old 20.07.2011, 00:25
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Re: Bank, account, card...

If you have CHF25000, then goto Post, open a Plus Set account, then you can use ATM free of charge all over the world (location fees may apply, according to Post's web site).

No idea about 'Premium Visa's'
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Old 20.07.2011, 10:56
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Re: Bank, account, card...

I'm with Raiffeisen, which is otherwise fine, but if you use your Swiss card abroad in other currencies, they will charge an exchange fee, as do the other Swiss banks I know of.
To avoid this, you can open and EUR account with them and get a VISA Gold in EUR, comes with insurance.
However, while the payments would not have additional fees here, you would still pay when taking money out, which is what was of interest to you.

Therefore ,alternatively, why not a French card when you're in France anyway, as your profile states? If you get paid in CHF in Switzerland, you can still open an EUR account in your Swiss bank, transfer money from your CHF account to your EUR one with just a click (for free and with a good exchange rate) and then do a SEPA transfer to your French account. It's fast and costs 0,76 eur per transfer if I remember correctly.

Then take Visa Premier from for example BNP Paribas, comes with insurance and withdrawals are free from partner banks (Bank of America, Barclays, Deutsche Bank and others) all over the world
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