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Old 23.09.2013, 11:53
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How to use "payment slips"?

I've been stumped by these orange payment slips for quite a while now. As we've been paying everything by international transfer I've managed to ignore them up until now but I really want to know how these things work.

1. Do I have to physically go to the bank in person to pay? Or is there enough information on there for me to do an online transfer?

2. Which bank do I go to? My own, or the one of the recipient? If I don't have my own account, can I just go to the bank of the recipient and pay cash into their account or will they charge me an exorbitant fee for doing so?

Correct me if I'm wrong, but these slips seem very antiquated and time-consuming to me!! I'm used to just paying online or over the phone via credit card.
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Old 23.09.2013, 11:55
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Re: How to use "payment slips"?

I've been paying them online with Post Finance online banking. I presume you can do similar with other banks as well? Otherwise you can go to a post office to pay.
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Old 23.09.2013, 12:09
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Re: How to use "payment slips"?

Hi Agra

These payment slips can easily be used for online Banking. I don't know who you bank with, but as a rule under the Header "Zahlungen" or "payment" you'll have a choice - either "pink" slips or "orange" slips.

On the right-hand side of the payment slip you'll see an endlessly long numer under the heading "Referenz-Nr". You type that numer into the box given on your screen for that purpose, enter the beneficiary "zu Gunsten von...." and their account number "Konto" (all these details will be on the payment slip). If any info is missing, your banking program will tell you what's missing.
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Old 23.09.2013, 12:30
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Re: How to use "payment slips"?

I agree, they are really easy to pay with online banking. My bank also has a "payment assistant" where you are prompted to enter appropriate information, so you don't even have to know if the slip is pink or orange (am I the only one who finds the colors difficult to differentiate?).

Definitely do pay them - you don't want to be ignoring them much longer, or you will be charged late payment fees. By way of pay-in slip.
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Old 23.09.2013, 12:38
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Re: How to use "payment slips"?

Great, thanks for the info.

How do I pay if I don't have a Swiss account? Apparently, nobody is allowed to open an account for me until I get my permit, which is going to take another month . I'm trying not to get worked up about it, but until then, I'm going to be dealing with cash only or making transfers from my account back home.
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Old 23.09.2013, 12:43
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Re: How to use "payment slips"?

Take the slip and the cash into your nearest Post Office - that is if you are actually physically in CH at the moment.
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Old 23.09.2013, 12:46
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Re: How to use "payment slips"?

On-line banking!?! Don't be a chump!

Much better: ask your bank for the relevant forms, then send weekly/monthly to the bank to process and pay.

I used to do the whole on-line banking thing, then realised that basically I was doing their job for them for no benefit to me, and losing an evening doing the monthly bills!
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Old 23.09.2013, 12:51
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Re: How to use "payment slips"?

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Great, thanks for the info.

How do I pay if I don't have a Swiss account? Apparently, nobody is allowed to open an account for me until I get my permit, which is going to take another month . I'm trying not to get worked up about it, but until then, I'm going to be dealing with cash only or making transfers from my account back home.
Do you have the paperslip from the gemeinde when you registered? That was all my bank needed to get the initial account open - I needed the physical permit to get other features added later, but I could pay bills and such with online banking within a week of arriving.
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Old 23.09.2013, 13:07
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Re: How to use "payment slips"?

So the post office won't charge me extra for paying it through them?

Last edited by Agra; 23.09.2013 at 13:32.
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Old 23.09.2013, 13:24
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Re: How to use "payment slips"?

just go to a post office and give them the slips - it cant be any easier
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Old 23.09.2013, 13:32
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Re: How to use "payment slips"?

May be the following links help

http://www.glocals.com/guides/guide-.../paying-bills/

If you want more details refer

https://www.postfinance.ch/en/biz/pr...ay/detail.html
https://www.postfinance.ch/en/biz/pr...ref/offer.html
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Old 23.09.2013, 14:10
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Re: How to use "payment slips"?

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So the post office won't charge me extra for paying it through them?
They will.
Only with e-banking (any Swiss bank) it's generally free and very easy (unless you do thousands..).

The cost at the post office counter, per payment:

CHF 0-50: 0.90 (orange) 1.50 (red)
CHF 50-100: 1.20 (orange) 1.80 (red)
CHF 100-1000: 1.75 (orange) 2.35 (red)
CHF 1000-10000: 2.95 (orange) 3.55 (red)

So it depends on amount, and also whether it's a orange (most common type, personalized with unique reference number), or red (mass produced, with space to write in reason for payment, and swiss cross emblems next to 'Giro' in the slip title).
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Old 23.09.2013, 14:13
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Re: How to use "payment slips"?

wow, I didn't know there was a fee.

If you fill them out and send them in to your own bank, there isn't a fee, is there? Up to now, I just do online banking. I like that as I can pick the date for the bills to be paid. I didn't see that on the orange slip where you can say pay on a date that is 3 weeks in the future. Is that possible?
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Old 23.09.2013, 14:28
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Re: How to use "payment slips"?

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wow, I didn't know there was a fee.

If you fill them out and send them in to your own bank, there isn't a fee, is there? Up to now, I just do online banking. I like that as I can pick the date for the bills to be paid. I didn't see that on the orange slip where you can say pay on a date that is 3 weeks in the future. Is that possible?
Yes, you can set the payment date with the form (sent by post).
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Old 23.09.2013, 15:40
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Re: How to use "payment slips"?

I'm going to assume that the OP (original poster) is Non-EU. In that case, to open a bank account you need to get a confirmation of your registration at the Gemeinde - it's an extra fee, and they will issue it on the spot. That saves waiting 4-6 weeks before you can get a bank account.

Secondly, the post office is a good idea, to pay the bills immediately, and solve the problem, even if it cost a few franks.... I seem to remember 5 years ago it cost about 17chf for the immediate confirmation (I'm assuming you arrived with a residency permit and entry visa properly handled and have already registered with the Gemeinde, and are just waiting on the card ID permit)...

Note the due dates on your bills - it's normal here to get paid monthly and to pay your bills monthly, but occasionally a vendor will want payment within 10 days or something else.
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Old 23.09.2013, 15:43
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Re: How to use "payment slips"?

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I used to do the whole on-line banking thing, then realised that basically I was doing their job for them for no benefit to me, and losing an evening doing the monthly bills!
An evening?

More like 15 minutes, but I have a pay-slip reader.

Tom
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Old 23.09.2013, 15:50
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Re: How to use "payment slips"?

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So the post office won't charge me extra for paying it through them?
No.

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They will.
Only with e-banking (any Swiss bank) it's generally free and very easy (unless you do thousands..).

The cost at the post office counter, per payment:

CHF 0-50: 0.90 (orange) 1.50 (red)
CHF 50-100: 1.20 (orange) 1.80 (red)
CHF 100-1000: 1.75 (orange) 2.35 (red)
CHF 1000-10000: 2.95 (orange) 3.55 (red)

So it depends on amount, and also whether it's a orange (most common type, personalized with unique reference number), or red (mass produced, with space to write in reason for payment, and swiss cross emblems next to 'Giro' in the slip title).
It's free of charge to pay, those prices are for the recipient!

https://www.postfinance.ch/en/priv/p...ay/detail.html

Tom
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Old 23.09.2013, 15:55
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Re: How to use "payment slips"?

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I have a pay-slip reader.
Really? Was that provided by your bank? How have I missed such things so far! I'm forever sitting in the dim light wondering if a slip is red or orange, then typing 92 or so characters inaccurately...
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Old 23.09.2013, 16:02
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Re: How to use "payment slips"?

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Really? Was that provided by your bank? How have I missed such things so far! I'm forever sitting in the dim light wondering if a slip is red or orange, then typing 92 or so characters inaccurately...
https://shop.crealogix.com/banking/institute/overview/

Tom
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Old 24.09.2013, 09:38
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Re: How to use "payment slips"?

UBS have Multimat machines in many branches. You authenticate with your debit card and PIN. The machine can scan the payment slip and presents you with the relevant info on screen.
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