do you know which bank will charge the least charges a year to have a basic bank account, some charge a monthly fee , some charge more if you withdraw from other banks in Switzerland, some have a yearly fee and give credit cards.

Which is the best option to save the maximum on fees for just a basic account without credit cards, and have just a debit atm card.

any suggestions ?

BKB charge 5 francs a month *only if the balance is less than 1000 francs* (otherwise it's free). The debit card card will cost 40 francs a year, If you withdraw money from a machine not belonging to BKB or coop (they are linked) then you get charged 2 francs per transaction. International money transfers cost 4 francs per transaction. Not sure on the cost of a credit card as I don't have one with BKB

PostFinance charges 3 CHF a month only if your balance is below 7000 I think, AFAIK that's the cheapest it can get unless you get a Mortgage from one of the big banks.

so far the cheapest is CS with 120 chf a yr, free charges to widthdraw from banks in switzerland and 2 credit cards included and no transaction fee on withdrawals in switzerland. Any one cheaper than this ?

Also What is AFAIK

AFAIK = As Far As I Know


cheers
SC

The various kantonal banks are probably the best. We have ZKB who charge 6CHF per year account keeping and 20CHF for the account card

There is no minimum balance required and the fee does not vary

I have the offer in CS the Bonviva, and it is actually very nice, their is a small monthly fee, that I dont remenber and everything else is free, might want to look into it. I dont know if they still have the Bonviva offer available