Banks for the Swiss Abroad

A universal bank since 1816, the BCGE group provides a wide range of high-quality banking services for private, business and institutional clients: everyday banking facilities, private banking, asset management, pension planning, mortgages and lending to the private and public sectors. It operates a trading room and offers financial engineering, corporate finance and global commodity finance services.

The BCGE group has offices in Switzerland (Basel, Lausanne and Zurich) and abroad (Dubai and Hong Kong), as well as subsidiaries: Banque Cantonale de Genève (France) SA (Lyon, Paris, Annecy), Capital Transmission SA and Dimension SA (specialising in business financing, transmission and advisory services).

www.bcge.ch/en/ose

Contact

Geneva: +41 22 809 21 12 (french, english)
Zurich: +41 44 224 65 34 (german, french, english)
Basel: +41 61 226 61 00 (german, french, english)

Service/product overview*

XPATBKING.ch: Banking solutions for expats

• Analysis service for pension planning and wealth management
• Advisory service for personalised inheritance planning in Switzerland
• Asset management
• Assessment of tax opportunities in Switzerland
• Assistance with real estate projects in Switzerland

* this is not an offer

As a solid partner we support you in all stages of life and will provide you with stability, reliability and quality now and in the future, regardless of your domicile. We are fully commited to working with you as partners – even if your usual place of residence is abroad. You can still benefit from the full range of products and services provided by Zürcher Kantonalbank as a universal bank.

For a smooth start abroad, we strongly recommend that you carefully plan all necessary steps in advance. With Zürcher Kantonalbank at your side, you are sure to have a reliable partner that informs you of any regulatory issues that may affect you due to your change of domicile. 

If you have any further questions, please do not hesitate to contact us:

www.zkb.ch/swiss-abroad

BCV is the leading bank in the canton of Vaud. As a universal bank, it offers a broad range of services.

Swiss nationals with their residence abroad have the option of opening an account or continuing an existing banking relationship with BCV.

Depending on the regulations in the actual country of residence, there may be limitations in relation to the services offered.

If you have any questions about your personal situation or would like advice, please contact BCV on +41 21 601 41 41.

 

PostFinance is one of Switzerland’s leading financial institutions and, as the market leader in payment transactions, ensures a seamless daily flow of liquidity. More than 3 million customers view PostFinance as a reliable partner for private and business customers wishing to manage their own finances. Thanks to a strong brand, PostFinance is perceived as an attractive provider of financial services. Customers also benefit from this because a strong brand provides trust, focus and security.

Contact

Hotline for private customers:

• Calls from Switzerland: 0848 888 710 (max. CHF 0.08/min. in Switzerland)
• Calls from abroad: +41 58 667 99 85 (at telecom provider’s international rate)

Overview of contact options: www.postfinance.ch/en/private/support.html

Service/product overview (this is not an offer)

General conditions:

• There is no minimum deposit requirement for Swiss citizens living abroad.
• The client is required to submit the necessary information and documents (ID, contract, tax forms) for opening an account. In the event of change of fiscal domicile (usually when moving abroad) it is mandatory for the client to submit new tax forms.
• All restrictions are based on legal or regulatory requirements and are therefore included in a standard form contract by the cooperation partners.
• There is a monthly fee of CHF 25 on payment accounts with domicile abroad.

Thurgauer Kantonalbank (TKB) is the leading financial institution in Thurgau. With a balance sheet total of more than CHF 20 billion and more than 700 employees, TKB, founded in 1871, is one of the largest banks in Switzerland. The listed financial institution offers comprehensive services for private individuals, small and medium-sized enterprises and the public sector.

Services for Swiss Abroad
We are happy to serve Swiss customers with a connection to Thurgau from abroad, primarily from Germany, with individual solutions.

We will be happy to advise you on other country-specific options. Interested in opening a bank account? Please call us on +41 (0)848 111 444 (German) or via the contact form at www.tkb.ch.

General conditions

• TKB operates cross-border banking only within the framework of the passive freedom of services exclusively in Switzerland or from Switzerland. The active provision of banking services locally in a foreign country is prohibited.
• Commencement of business and any advice must occur in Switzerland. Contract documents must be signed in Switzerland.
• The correspondence language is German.
• Establishment of a business relationship by correspondence is not possible.
• An annual fee of CHF 360 is charged on account relationships with customers with domicile abroad with a balance of less than CHF 50,000.
• A connection to Thurgau must be apparent.
• New business relationships are not established with persons domiciled in the USA.

UBS offers a wide range of products and services to Swiss nationals abroad.

We will be happy to advise you on country-specific options. Click on Benefits without borders to find out more and call +41 (0)44 238 23 23 or use the contact form to arrange an advisory consultation at a UBS branch before you move abroad.

Contact
UBS Service Line for private customers
Tel. +41 (0)44 238 23 23

Valiant is an independent retail and SME bank operating exclusively in Switzerland. It provides private customers and SMEs a comprehensive, easy to understand offering in all financial matters. Valiant is locally anchored thanks to its branches. It is also present throughout Switzerland thanks to innovative, digital services.

Contact
“International customers” department: international@valiant.ch

Connection to Switzerland
In principle, Valiant accepts customers from all countries provided that they have a connection to Switzerland. A connection to Switzerland exists if the customer meets one of the following criteria:

• Swiss nationality, or
• Persons currently drawing a pension in Switzerland (1st or 2nd pillar), or
• Owners of property located in Switzerland, or
• Employees of Swiss employers with their residence in Switzerland and who work in Switzerland
• “Expats” with domicile abroad who are working abroad on behalf of Swiss employers

Furthermore, the client must be present in Switzerland when the business relationship is opened and any adjustments to product use are made.

Tax compliance
The customer must assure Valiant of their tax compliance on the internal forms intended for this purpose and through disclosure of other possible documents before the establishment of a business relationship.

Service/product overview (this is not an offer)
Products in the payments sector (payment transactions, LSV, etc.)

• Trend Set and Trend Set Lila Plus (not Classic Set)
• Private account, current account, savings account
• Cards (Maestro, credit cards)
• Online banking (never with product opening abroad)
• Pillar 2 and pillar 3a retirement savings account (no securities)
• Financing (properties in Switzerland)

Updated 27.01.2021

Restrictions in accordance with international regulations remain reserved.