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  #21  
Old 27.03.2019, 23:31
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Re: Keeping Swiss bank accounts after leaving

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You were told earlier in the thread that the main obstacle is your nationality, and to be frank, I fail to see any novelty in having a Swiss bank account. It's not as if it's a numbered Swiss account, and your savings would a hell of a lot more interest elsewhere.

My partner kept his Swiss accounts open for over 3yrs after he left, and changed his address to the UK with them. Mind you, they were also his employer. 6mths after he closed his accounts, we moved back here
Respectfully, you do not know my nationality.
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  #22  
Old 27.03.2019, 23:56
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Re: Keeping Swiss bank accounts after leaving

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Respectfully, you do not know my nationality.
Your profile states 'US'.
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  #23  
Old 28.03.2019, 00:16
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Re: Keeping Swiss bank accounts after leaving

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Your profile states 'US'.
I do not have US nationality.
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  #24  
Old 28.03.2019, 07:21
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Re: Keeping Swiss bank accounts after leaving

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I do not have US nationality.
Feyr, in that case it would be better if you changed your profile. US nationality carries all sorts of baggage, and is especially toxic wrt banking. Saying you are US when you are not means you will get advice that may not be applicable to your situation.

I get that you don't want to disclose much info. In terms of getting useful replies applicable to your situation, however, knowing if the poster is CH, EU, non-EU or US is often needed, as in many situations different rules apply to each of these categories. You could keep your anonymity simply by listing yourself as EU or non-EU (non-US).
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  #25  
Old 28.03.2019, 09:20
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Re: Keeping Swiss bank accounts after leaving

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Eh, I personally know people who make 30k a month and pay no taxes
Thats the small fish I was talking about.
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  #26  
Old 28.03.2019, 09:28
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Re: Keeping Swiss bank accounts after leaving

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Thats the small fish I was talking about.



Fish ? ........ more like amoeba's !!
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  #27  
Old 28.03.2019, 10:21
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Re: Keeping Swiss bank accounts after leaving

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Feyr, in that case it would be better if you changed your profile. US nationality carries all sorts of baggage, and is especially toxic wrt banking. Saying you are US when you are not means you will get advice that may not be applicable to your situation.

I get that you don't want to disclose much info. In terms of getting useful replies applicable to your situation, however, knowing if the poster is CH, EU, non-EU or US is often needed, as in many situations different rules apply to each of these categories. You could keep your anonymity simply by listing yourself as EU or non-EU (non-US).
good point.
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  #28  
Old 28.03.2019, 10:23
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Re: Keeping Swiss bank accounts after leaving

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Fish ? ........ more like amoeba's !!
Wow you guys are so cool with your big numbers.
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  #29  
Old 28.03.2019, 12:02
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Re: Keeping Swiss bank accounts after leaving

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Wow you guys are so cool with your big numbers.
And we did not even have to cheat the tax man for them...
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  #30  
Old 12.04.2019, 13:24
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Re: Keeping Swiss bank accounts after leaving

Regarding postfinance fees: the non-resident fees only appear to be payable on 'payment' accounts, those that usually have payment cards. I believe if you just have savings accounts, there are no non-resident fees.

If you don't have any payments accounts, you can request a special login card that is not linked to any bank account so that you can log in e-finance web app.

Non-resident probably don't need a CHF payment account, so this can be a good solution.
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  #31  
Old 12.04.2019, 16:05
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Re: Keeping Swiss bank accounts after leaving

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Non-resident probably don't need a CHF payment account, so this can be a good solution.
For me is it the opposite. I dont need a savings account in a foreign country. I liked to keep a normal checking account for all the stuff that takes ages in Switzerland... like getting your rental deposit back after you long live somewhere else.
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  #32  
Old 12.04.2019, 16:58
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Re: Keeping Swiss bank accounts after leaving

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....getting your rental deposit back after you long live somewhere else.
I didn’t mean to suggest that a swiss savings account is useful in terms of investing, it is clear it is not whether resident or not.

It is just a chf account with an iban. Correct me if i am wrong, but i imagine you can deposit money by your iban just like a payment account, including you damage deposit of your apartment.

Cheers
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  #33  
Old 01.05.2019, 20:45
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Re: Keeping Swiss bank accounts after leaving

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Only if mail is not forwarded, long term mail forwarding is expensive so it's cheaper to pay the 30 CHF a month fees if you only have 1 bank.
As tax evasion is not a crime in CH they won't care on that front.
So does that mean that it is possible to keep a bank account open, provided you pay monthly fees? Many thanks in advance. Also what is the story with credit cards. Is it possible to keep a credit card account open after leaving CH?
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  #34  
Old 01.05.2019, 20:55
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Re: Keeping Swiss bank accounts after leaving

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So does that mean that it is possible to keep a bank account open, provided you pay monthly fees? Many thanks in advance. Also what is the story with credit cards. Is it possible to keep a credit card account open after leaving CH?
Yes, you can keep it open, fee depends on the bank. No idea about a CC. Probably if you have enough funds?
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  #35  
Old 13.05.2019, 12:45
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Re: Keeping Swiss bank accounts after leaving

I have 2 Swiss bank accounts, and have moved to and from Canada a few times.

I also have 2 Canadian bank accounts.

I currently hold all 4.

On the Swiss side:

Raifeissenbank: No problem, I get ALL of my documents via email. No increase in fees.

Berner Kantonal Bank: No problem, they sent all papers/statements via paper mail. Annual fee went from CHF 6.- to CHF 18.-

Canadian banks:

Both said it was not a problem, what's the Swiss address? I state it, then they updated the account and I got everything by mail from them at no extra cost. (Ok Canadian banking is already really expensive as it is...).
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  #36  
Old 13.05.2019, 14:48
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Re: Keeping Swiss bank accounts after leaving

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Raifeissenbank: No problem, I get ALL of my documents via email. No increase in fees.
Berner Kantonal Bank: No problem, they sent all papers/statements via paper mail. Annual fee went from CHF 6.- to CHF 18.-
Either the fees have changed since your time or you are a much loved customer who was swung a deal. BEKB quotes 20/month for "Domizil Ausland" on its website. Raiffeisen fees reportedly vary per canton but are generally similar or more.
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  #37  
Old 13.05.2019, 15:49
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Re: Keeping Swiss bank accounts after leaving

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Is it possible to keep your bank accounts open after leaving?

I've asked around and most banks say no... but then... they don't come knocking on your door to see if you still live there.

Any thoughts on maintaining your accounts after leaving?
Why would one even want to keep it open?Are you looking for somewhere to wash your dirty laundry?
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  #38  
Old 13.05.2019, 18:23
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Re: Keeping Swiss bank accounts after leaving

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Why would one even want to keep it open?
To receive money owed by persons or companies in Switzerland who/which may not be able or willing to make international transfers.

To be able to just get on with it and use CHF for things in Switzerland, especially smaller sums, without bothering with foreign exchange rates.

To have and use the convenience of a local bank during any visits to Switzerland.

To provide consistency in recurring transactions (receiving, such as a pension or paying, such as a mortgage or child-support) which may need to continue uninterrupted by the person's leaving the country.

To have a Swiss destination into which to transfer money from abroad, especially in case one were to return to Switzerland.

And so on.
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  #39  
Old 13.05.2019, 22:12
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Re: Keeping Swiss bank accounts after leaving

I left Switzerland for five years with bank accounts and running mortgages...nobody asked me anything while I was away. Then eventually I came back
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  #40  
Old 14.05.2019, 12:05
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Re: Keeping Swiss bank accounts after leaving

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Either the fees have changed since your time or you are a much loved customer who was swung a deal. BEKB quotes 20/month for "Domizil Ausland" on its website. Raiffeisen fees reportedly vary per canton but are generally similar or more.
Might also have something to do with the fact that I'm a dual citizen. My bank accounts otherwise are pretty pathetic.
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