Banque Cantonale de Geneve : Banking services

je connais mon banquier je connais mon banquier je connais mon banquier

Banking services

je	connais	mon	banquier je connais mon banquier je connais mon banquier
je	connais	mon	banquier je connais mon banquier je connais mon banquier

Fees and conditions as of 01.01.2021

je connais mon banquier je connais mon banquier je connais mon banquier

je connais mon banquier je connais mon banquier je connais mon banquier

je connais mon banquier je connais mon banquier je connais mon banquier

je connais mon banquier je connais mon banquier je connais mon banquier

je connais mon banquier je connais mon banquier je connais mon banquier

je connais mon banquier je connais mon banquier je connais mon banquier

je connais mon banquier je connais mon banquier je connais mon banquier

je connais mon banquier je connais mon banquier je connais mon banquier

je connais mon banquier je connais mon banquier je connais mon banquier

Banking services index

General Information	3
Private accounts	5
Savings accounts	6
Pension planning accounts	7
Portfolios managed by the client	9
Investment fund savings accounts	11
Private and company accounts	12
Company accounts	13
BCGE cards and branch transactions	14
Credit cards for individuals	15
Prepaid cards for individuals	16
Corporate credit cards	17
Payment transactions	18
Cheques and sight drafts drawn on banks	19
General conditions for commercial papers	20
Check-up	20

Safe deposit boxes	21

General information

General information		§ Your adviser is at your disposal to provide you with any further information on our services and fees
		§ The bank reserves the right to modify the fees and conditions of its services, according to the economic environment and the evolution of the markets
		§ Electronic advices and statements are available free of charge on Netbanking
		§	Additional information on BCGE products and services is available on the websites bcge.ch and synchronyfunds.com
		§	Fees, which are charged on a periodic basis, are payable for the entire invoicing period once it has begun

General conditions			Account
	opening and closing
			Interest rates
	Bank statements
	Closing statements
	Withholding tax
	Printing and postage costs 2
			VAT
	Fees in foreign currency
	BCGE Maestro and credit cards
	Secure connection to Netbanking

Free of charge 1

Available from BCGE branches or online at bcge.ch

Monthly

Annual

35% of gross credit interest amounts of CHF 200 with only one closing statement per calendar year

• In Switzerland A-mail: CHF 2/postage
• In Switzerland B-mail: CHF 1.85/postage
• Abroad CHF 2.30/postage
• Netbanking: free of charge

The rates and fees referred to in this brochure, which are subject to value added tax legislation, are indicated + VAT. VAT is only charged to clients domiciled in Switzerland and Liechtenstein, clients domiciled abroad are exempt from VAT

Rates and fees are charged in CHF or the equivalent value in foreign currency, excluding credit cards

Granted subject to conditions

• CrontoSign Swiss application: free of charge
• CrontoSign Swiss optical reader: CHF 50 + VAT For more information, contact your adviser

3	1	A flat-rate opening fee may be charged for a complex relationship. Please contact your adviser for further information
	2	For non-standard postage, the costs are charged to the client (plus administration costs)

General information (cont.)

Other fees			Succession	The processing of successions is invoiced at CHF 120/hour + VAT, min. CHF 120 + VAT
Internal and external searches	CHF 120/hour + VAT, min. CHF 50/case + VAT 3 or according to invoicing
			Blocking fees	If a letter is returned twice due to incorrect address: CHF 30/case + VAT
Preparing and sending of a duplicate statement, account	§ CHF 30/case + postage; surcharge of CH 25 if urgent
statement or confirmation	by post, fax or e-mail	§ For complex cases, the hourly search rate above applies
			Reminder	CHF 30
			Hold mail	CHF 600/year + VAT
		Dormant account	CHF 300/year + VAT
		Numbered account	CHF 1,000/year + VAT
		Domiciliary company	CHF 3,000/year + VAT
				Clients with custody accounts:	Clients without custody accounts:
	Annual tax statement 7	§ Switzerland: CHF 60 4/portfolio of custody account concerned + VAT	§ France: CHF 10 4+5/client
	§ France: CHF 80 4+5+6/client
				§ Other countries: CHF 80 4+5/client
Business relationship attestation	Min. CHF 300 + VAT
	Client domiciled outside	CHF 20 4+5+8/quarter
			Switzerland

	3	Including research and document costs resulting from the client's non-compliance with regulations or a request from an authority
	4	Not invoiced to clients: holders of a Best of mandate or with an all-inclusive package valid on the day of invoicing or young people up to the age of 25
	5	Not invoiced to clients who only hold an Epargne 3 or Libre Passage account
4	6	For clients who only have a Pension Fund Savings Plan account, the same fees apply as for clients without custody accounts
7	Produced automatically or on request, depending on availability by country of tax residence. Please contact your adviser for further information
	8	Not charged to clients with a mortgage loan