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  #21  
Old 03.02.2012, 11:19
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Re: The straw that broke the camel's back: 2 CHF too many

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I'm off to check my statement now. We're with CS too and I don't remember any notification of these charges being introduced either.

ETA: Just checked and we are not paying any extra. When were the charges introduced?
January 1, but I think they sent the letter sometime around the end of November/beginning of December.
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  #22  
Old 03.02.2012, 11:20
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Re: The straw that broke the camel's back: 2 CHF too many

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I'm off to check my statement now. We're with CS too and I don't remember any notification of these charges being introduced either.

ETA: Just checked and we are not paying any extra. When were the charges introduced?
Here's what he wrote:

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Due a change in our comissions (advised in your statement of bank account from November 2011) valid as of January 1st 2012 there will be debit a fee of CHF 2.- when you use a ATM of a counterparty (BKB, UBS etc.).
However I did note that it was not uniformally applied, so I guess they are still playing catch-up or that they haven't quite worked out that automated systems don't actually need a person to go through each transaction and add the 2 CHF charge...
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  #23  
Old 03.02.2012, 11:40
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Re: The straw that broke the camel's back: 2 CHF too many

Seems we just got lucky so far then.
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  #24  
Old 03.02.2012, 11:46
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Re: The straw that broke the camel's back: 2 CHF too many

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Seems we just got lucky so far then.
*touchwood* me too.

I just logged into my Directnet just to be sure and there has been no additional charges for withdrawals from non-CS cashpoints. No letter from them either.

I think CS is only trying to target those who have too much money in their banks, eh CarlosR?

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Yep. I read the letter when it arrived (I know I know ) and have been avoiding non-CS machines for over a month now. It's not even the amount, it's the principle.
2CHF per transaction, it does add up for every transaction. Before you know it, you would have given away 20CHF to CS for nothing. Am definitely looking at changing banks now.
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  #25  
Old 03.02.2012, 11:47
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Re: The straw that broke the camel's back: 2 CHF too many

CS don't charge if you have a Bonviva Banking package, or a Contact, Academica, Academica Plus, or Business Easy account.
CS Maestro card fees
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  #26  
Old 03.02.2012, 12:11
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Re: The straw that broke the camel's back: 2 CHF too many

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T
UBS gives you free withdrawals with the Maestro card from all cash machines in Switzerland if you have one of their "bundled" accounts ("Basisangebote Zahlen und Sparen") which include credit and maestro cards. For a "family" account, that means CHF 30/month (CHF 25 if you switch to electronic statements, or CHF 15 if the total assets at UBS ie savings accounts and current accouts are higher than CHF 10'000 for all family members combined).
I don't pay anything monthly to UBS, and I never pay for withdrawals in CH at any machine.

Tom
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  #27  
Old 03.02.2012, 12:14
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Re: The straw that broke the camel's back: 2 CHF too many

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CS don't charge if you have a Bonviva Banking package, or a Contact, Academica, Academica Plus, or Business Easy account.
CS Maestro card fees
Ah that explains it . So no need to panic about changing accounts just yet then.
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  #28  
Old 03.02.2012, 12:22
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Re: The straw that broke the camel's back: 2 CHF too many

I recommend Postfinance.

Once you have 25,000Fr invested with them (across any range of bank accounts, 3rd pillars etc) then you can ask to go on the "online plus set" then any cash machine world wide is free to use. Usual exchange-rate loading commission is no doubt still applied.

If you have less than 7,500Fr with them then if I remember right it's 3Fr/month in fees. Between 7,500 and 25,000 there are no monthly fees but you're still charged to use non-Postfinance ATMs.

All communication with them is in English, and their online banking site is very clear and easy to use (imo).

Last edited by adrianlondon; 03.02.2012 at 12:42. Reason: Half my post was bollocks.
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  #29  
Old 03.02.2012, 12:37
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Re: The straw that broke the camel's back: 2 CHF too many

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I recommend Postfinance.

Once you have around 7,000Fr in accounts with them then you can use any cash machine in Switzerland free of charge (if you tell them you want an "online set" or something).
I have over the 7k online set limit & don't get monthly charges however I do pay 2chf for withdrawals at other banks.

I think the 25k set is needed for free withdrawals.
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  #30  
Old 03.02.2012, 12:38
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Re: The straw that broke the camel's back: 2 CHF too many

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I recommend Postfinance.

Once you have around 7,000Fr in accounts with them then you can use any cash machine in Switzerland free of charge (if you tell them you want an "online set" or something).

Once you have 25,000Fr invested with them (across any range of bank accounts, 3rd pillars etc) then you can ask to go on the "online plus set" then any cash machine world wide is free to use. Usual exchange-rate loading commission is no doubt still applied.

If you have less than 7,000Fr with them then if I remember right it's 3Fr/month in fees.

All communication with them is in English, and their online banking site is very clear and easy to use (imo).

https://www.postfinance.ch/en/priv/p...r/compare.html


It's only from 25 000chf that you can use any cash machine free of charge...
And with a comment that the 3rd party bank might charge you...
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  #31  
Old 03.02.2012, 12:40
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Re: The straw that broke the camel's back: 2 CHF too many

Be a man and go with UBS

P.S My son has a Postfinance account, he's 8 months old
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  #32  
Old 03.02.2012, 12:51
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Re: The straw that broke the camel's back: 2 CHF too many

UBS annoy me on many levels but the one thing I like is the free withdrawals from any Swiss based ATM when you have their family package. That's pretty unique for many countries and one of life's small luxuries for me.
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  #33  
Old 03.02.2012, 13:02
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Re: The straw that broke the camel's back: 2 CHF too many

I've not got a single complaint about BKB. Can't say anything about the others though.
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  #34  
Old 03.02.2012, 14:04
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Re: The straw that broke the camel's back: 2 CHF too many

I am oh so sick of Credit Suisse.
I have a small amount of capital invested with them on which they consistently lose me money, but for which I seem to be paying them vast administrative charges.
Yesterday I received 7 envelopes relating to the same account, each containing 1 sheet of paper. When I telephoned them to say what nonsense that was I was told each envelope was 'computer generated' and nothing could be done.
I suspect my 'administrative charges' are paying for this nonsense too.
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  #35  
Old 03.02.2012, 14:26
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Re: The straw that broke the camel's back: 2 CHF too many

i used both UBS and PF. both are fine.
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  #36  
Old 03.02.2012, 14:38
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Re: The straw that broke the camel's back: 2 CHF too many

Another PostFinance fan here. We have their Plus Set and it gives us all the things you've asked for. Even at CHF12- it's a good deal if you use out-of-network ATMs frequently; if you keep enough money in the bank that the account is free, it's superb.
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  #37  
Old 03.02.2012, 15:26
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Re: The straw that broke the camel's back: 2 CHF too many

We have UBS personal accounts and a joint BKB account where our mortgage is.

Because we have the two I never have trouble finding an ATM from one of them but I don't really use much cash anyway - I pay everything by card and online these days and as I have no social life I never do such things as "go out" where one might be required to part with actual notes.
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  #38  
Old 03.02.2012, 15:37
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Re: The straw that broke the camel's back: 2 CHF too many

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We have UBS personal accounts and a joint BKB account where our mortgage is.

Because we have the two I never have trouble finding an ATM from one of them but I don't really use much cash anyway - I pay everything by card and online these days and as I have no social life I never do such things as "go out" where one might be required to part with actual notes.
Cheer up!
Life's a bugger and then you're dead.
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  #39  
Old 03.02.2012, 15:42
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Re: The straw that broke the camel's back: 2 CHF too many

I like Kantonalbank. They have ATMs everywhere and there is an agreement between the Kantonalbanks that they accept one another's cards without charging extra. Fees are fair and transparent in my experience they are always responsive when I have issues.
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Old 03.02.2012, 15:44
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Re: The straw that broke the camel's back: 2 CHF too many

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I would suggest LIB bank. You can deposit the money directly to my account and I will meet you with the desired amount at your preferred location.
What's your rating, LIB?
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