Deposits in Swiss banks. Is it possible for a Russian citizen to open a deposit in a Swiss bank and how to do it? Conditions for opening a deposit account

Investments in banking contribution - beneficial sentence. Especially when it comes to foreign deposits. They are famous for their high profitability and popularity. Almost every trader and investor has such a deposit in his arsenal.

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A bit about Switzerland and banks

Switzerland is a rather small but very famous country. Stability is one of its most important symbols. Here, you can apply the word "most" to almost everything: the best ski resorts, the highest quality watches, the most delicious cheese and the most reliable banks.

Many wealthy citizens of Russia have been turning to Swiss banks for several decades, relying on stability financial system, the reliability of financial institutions and guarantees for the protection of banking secrecy.

And it does not matter that the interest on deposits is very small. Especially noticeable was the outflow of capital from our country to Swiss banks after the start of events in Ukraine.

Of course, Switzerland was forced to join the sanctions imposed by the US and the EU against blacklisted Russians and freeze their deposits. But wealthy people are not deterred by this factor, since the efficiency of asset management is so high here that the risk of losing funds seems very insignificant against this background.

Anyone can have an account

The most reliable financial institutions are UBS (Union Bank of Switzerland) and Credit Suisse Group. But to open an account there, you need to fork out for 1,000 euros.

In addition, both of these banks require a minimum minimum balance: in the first - 300,000 US dollars, and in the second - 500,000 US dollars with the prospect of growing up to 1 million US dollars within 2 years.

In the twentieth century, only the very wealthy could afford Swiss bank accounts. But is the road closed to the rest?

To answer this question, let's first look at why depositors choose Swiss banks:

1. deposit insurance and the absence of high-risk transactions. All deposits are insured by the state for up to 100 thousand francs per person. In addition, the Swiss Financial Market Supervisory Authority FINMA closely monitors the activities of financial institutions;
2. taxes. Or rather, their absence. This is due to the fact that income from interest on deposits is not taxed here;
3. bank secrecy. Banks are striving to preserve it, despite US pressure.

It is for the sake of all this that people tend to open deposits in Swiss banks. In fact, you can become a contributor without even having the amount described above.

In addition to UBS and Credit Suisse Group, there are many smaller, but no less reliable banks. An example is the Swiss Forex Bank, where the minimum deposit is only 5 thousand US dollars.

How to open a deposit in a Swiss bank

To open a Swiss bank account safely, there are a few things to keep in mind:

• it is necessary to carefully choose an intermediary company to open a deposit. Unfortunately, citizens of Russia can hardly do without them, so avoid non-professionals and scammers. It is best to choose firms registered in Switzerland, whose management speaks French, German or Italian and was trained in Switzerland;
• pay attention to credit rating banks. Any bank registered in Switzerland is required by local law to have sufficient financial stability. But still, it's better to play it safe and turn to agencies such as Moddy's or Standard & Poor's for information;
• decide which financial instruments you will use. If you want to buy / sell shares on the stock exchange, then it is better to turn to market giants such as UBS and Credit Suisse. If you have enough investment and bank card, then you can contact local banks that work with foreign citizens. It is worth remembering that one hundred each additional service increases the cost of service;
• and the last thing is not to break the deposit into several small parts to place them in several banks. This will incur additional costs.

Through the Internet

In addition to a personal appeal to intermediary companies, you can open an account via the Internet. Consider the algorithm on the example of the Swiss Forex Bank.

So, to open an account you need:

1. register on the bank's website and receive documents for opening an account;
2. fill out and sign the agreement, and then send it along with certified copies of documents by mail to the bank's office in Geneva;
3. make a deposit and get a username/password.

You should not deal with intermediaries who promise to open an account without providing documents. The term for opening an account is 1-7 days after receiving the documents by mail.

Minimum deposit

The size of the minimum contribution will interest any person who cannot be classified as wealthy. More than 250 different banks operate in Switzerland, and each of them has its own conditions.

More often than bigger bank, the larger the amount he requires as a minimum contribution. On average, it ranges from 300 to 500 thousand US dollars. But you can find much lower amounts. More details can be found on the official websites of banks, by contact numbers, or from intermediary companies.

Video: About the possibilities

Which documents

Like any other financial institution, Swiss banks require a certain package of documents to open a deposit. Usually it includes a notarized copy of the passport and documents confirming the source of income.

The latter may include a certificate from the employing company or from the local tax authority. The bank may ask for documents that will confirm the origin of funds. For example, an agreement on the sale of property / business, or a receipt for receiving finance from the sale of securities.

Since banks very carefully check customers, especially new ones, for compliance with risk levels, other documents may be required from you at the discretion of the financial institution.

How much does the service cost

The cost of servicing differs significantly in different financial institutions. To make it easier for you to choose, we will tell you about the most economical offers.

For clients keeping 6 500 on accounts Swiss francs, the cheapest to maintain will be the Friborg and Appenzell cantonal banks, as well as those that are part of the Raiffeisen group. With a positive balance for 5 years, the Friborg bank takes 530 Swiss francs, Raiffeisen - 505, and Appenzell - 462 francs.

For those who have 25,000 Swiss francs on their account, it will be cheaper to be served by Banca Popolare (935 Swiss francs for 5 years), Zweiplus (731 francs) or Post finance (387 francs).

In addition to the basic tariffs, the cost of service is also affected by Additional services which are paid separately. For example, withdrawing funds from ATMs of another bank, etc.

Also, many banks practice an individual approach, offering discounts. various categories clients. For example, some financial institutions provide preferential terms for young people (20-25 years old) and pensioners. For example, the Appenzell Cantonal Bank for the first offers a maintenance fee of 57 francs for 2 years.

In addition, some banks enter into agreements with educational institutions and do not take a commission from students during training. Naturally, the student must study in Switzerland.

How to earn

If you open a deposit in a Swiss bank to get rich as soon as possible, then you have come to the wrong place. Yes, there is income from deposits, but compared to interest in Russian financial institutions, it is very small (about 2-3% per annum). Swiss banks are suitable for those who want to securely keep their hard-earned money.

List of banks

Since there are a lot of Swiss banks, we will describe only the most reliable ones that work with clients from Russia.

Bank's name	Account types	Minimum Requirements
C.I.M Bank	Personal and corporate in any currency	5 000 USD/EUR
Credit Suisse Zurich	Personal and corporate	500,000 USD if the amount doubles within 2 years
ClaridenLeu Bank Zurich	Investment savings	Minimum balance CHF 500,000

Professional service, respectability, high level capitalization and liquidity allows Alpiysky Krai to become the best place to place and store the savings of foreign citizens. In order to open a Swiss bank account, an individual from Russia should personally visit the country (or meet with a representative in the Russian Federation), make a minimum deposit into the account and confirm the legal origin of income. Capital management is carried out by fax or telephone, payment transactions require coordination with bank managers.

The legislative framework

In 2016, article 305 bis of the Criminal Code of the Swiss Confederation was legalized, which includes the concept of "qualified tax evasion". The law provides for administrative liability of bankers who suspect that clients have illegally attracted capital, but neglected measures to suspend operations. This contributed to an increase in the level of compliance control when opening an account abroad. Financiers seek to protect their companies from scandals and punishments.

It's important to know! It will not be possible to open an account in a Swiss bank for individuals who make up a list of intruders, government officials, spouses and minor children of officials.

Types of Swiss accounts: settlement

The most common option used for household purposes, such as shopping for groceries in supermarkets. Registration of a current account is available to non-residents of the country, permanently residing or employed in Switzerland, as well as travelers. More than 300 banks and 3000 branches are at the service of clients.

1. Three financial giants: UBS AG, Credit Suisse Group Raiffeisen Group dealing with the opening of standard bank accounts for permanent residents travelers.
2. 24 cantonal banks subordinate to certain administrative divisions(remember, there are 26 cantons in Switzerland). If a resident moves to another subject of the federation, he is forced to transfer the account to the new canton. Bank accounts are opened in the official currency, cash transfers and withdrawals in euros are not possible.
3. 13 private banks.

Deposit

Deposit programs of Swiss banks are characterized by minimal restrictions, allowing a private person to open an account in euros, dollars and francs. When opening an account in foreign bank fee is not charged. And the maintenance costs 100 to 500 francs annually. The cost of additional banking operations (statements, transfers) is set by banks individually.

Dividends on deposits are close to zero:

• savings account - 0.15%;
• private - 0.01%;
• pension accumulative - 1.125%.

The negative refinancing rate (-0.25…-1.25%) was set by the Central Bank of Switzerland. A negative percentage means that companies holding correspondent accounts are required to pay 0.75% annually on the amount in excess of set limit. New law does not affect deposits of less than 10 million francs, as well as investments of banks below 20 times the minimum allowable reserve. Set rate refinancing reduces income from savings accounts, forcing the money of banks to work for the country's economy. As the press service of the Central Bank of Switzerland explained, this measure is a penalty for saving liquid funds (they should not be “dead weight”).

An additional factor that influenced the rate cut was the appreciation of the Swiss franc. The government is forced to set negative rates on CHF deposits. Zero or positive rates remained on dollar and euro accounts. However, depositors rely on the stability and reliability of the francs, allowing them to save their savings.

Investment

Work in Switzerland investment funds, trusts offering a wide range of instruments for increasing capital. Maximum profitable terms investment accounts are provided by private companies that deposit more than 250,000 euros, large bankers require less, but the result is lower.

Anonymous

Anonymous account - a tool that ensures the confidentiality of banking transactions and placed amounts. The identification of the deposit owner is based on a numerical value, the rest of the information is hidden. The measure taken previously made it possible to hide the identity of the client from government agencies (especially tax service). With increasing financial reporting requirements, anonymous accounts are rare and costly.

banking secrecy

Previously, Switzerland hid information about contributors from government agencies which caused pressure from the USA, Germany, France, Great Britain. In 2015, the government of the Altai Territory amended the legislation to prohibit the transfer of information to tax authorities within the state, but allow for automatic exchange with the United States under FATXA.

Instructions for opening a Swiss bank account

To place capital in a foreign bank, a potential investor resorts to the services subsidiary(issuer, representative office, branch). If you are interested financial institution does not operate on the territory of the Russian Federation, you will have to apply directly or choose a law firm that acts as an intermediary between the depositor and the banker. The cost of services will be 500-1000 dollars.

Before opening a Swiss bank account, a citizen of Russia should prepare copies and originals of documents:

• foreign passport;
• passports of a citizen of the Russian Federation;
• proof of income, for example, a real estate sale agreement, a cash withdrawal statement from another bank, a receipt for receiving money from the sale of securities.

It's important to know! The amount of investment (in dollars, euros, francs or pounds sterling) must not exceed the amount net income over the past five years.

You should also prepare documentation on education, professional activity, salary, family composition. It is advisable to get recommendations from acquaintances who are clients of Swiss banks. Personal information is transferred to the company manager responsible for disclosing bank secrecy.

After collecting the documents and transferring the information to the bank representative, it remains to wait for a letter from Switzerland confirming the successful registration of the account. The procedure for reviewing papers and making a decision takes 1-30 days. Account details are provided in the account opening confirmation letter. To fully activate your account, you must transfer to the deposit an amount exceeding the limit.

The minimum deposit amount for non-residents of Switzerland is 10,000–2,000,000 €, the minimum balance is 1,000–2,000,000 €. Restrictions do not apply to foreigners residing in the country or staying periodically for work purposes.

Remote account opening online

As part of Due Diligence (procedures for drawing up an objective view of the investment object), Swiss bankers conduct a mandatory verification of the client's identity, guided by an identity document.

It is impossible to open a deposit on the territory of a foreign state through remote access channels (Internet, mail, telephone, e-mail or fax). However, the bank may accept electronic application, subject to re-processing as the identity is confirmed by a passport and an identification card. If there is a representative office, branch or subsidiary of the selected company in Russia, the identity card is carried out on the spot. Otherwise, confirmation of the procedure on the territory of the bank will be required. Foreign financiers also check the authenticity of the new client's address by registered mail or by requesting utility bills.

Providing reports to the Federal Tax Service

Within one month from the date of opening a foreign account, a written notification must be sent to the regional branch of the Federal Tax Service. Next in personal account taxpayer, the client generates a cash flow report for the previous period (quarter, year). According to the Moscow Inspectorate No. 13, holders of foreign accounts must provide the Federal Tax Service with notarized account statements of the most convenient way: by registered mail or personal presentation of the client.

Information for completing the report:

1. Full name, TIN of the account holder, date of birth, address of residence of the client, passport data.
2. Name of the Swiss organization (in Latin letters), BIC or SWIFT Code of the bank.
3. Switzerland code (use the "All-Russian classifier of the states of the world").
4. Open deposit/card number.
5. The foreign currency code of the account corresponding to "OKV".
6. Co-owners of the deposit (if any).
7. The amount at the beginning and end of the year, the amount of incoming and outgoing transactions.

Note! Rare foreign companies will provide the opportunity to make transfers. A Swiss account is usually opened for the management and preservation of capital. Representatives of the Alpine countries prefer to keep confidentiality, the less money movement, the better.

It is also important to take into account the restrictions on replenishing foreign accounts under currency regulation RF. Allowed items of income include wages, wills, dividends, coupon yield, rent-to-let.

The amount of taxes and fines

When making a deposit in a Swiss bank, a Russian citizen is required to notify the Federal Tax Service about opening, closing, changing details and cash flow (FZ No. 173 of 06/28/2014). Income from foreign bank accounts is subject to a single tax rate- thirteen%. Russians permanently residing outside the Russian Federation pay taxes at the place of residence, where the rate is determined by state policy. Settlements are made in ruble currency.

In case of violation of legislative acts, the client faces fines:

If the user evades taxation of income received, the amount of the penalty will reach 100,000 ... 300,000 rubles.

Swiss bank rating

Below is a list of the best Swiss banks with service fees:

Parameters	C.I.M Banque	Credit Suisse	AP Anlage&Privatbank	UBS
Foundation date, year	1 990	1 856	1995	1912
Official site	www.cimbanque.com	www.creditsuisse.com/ch/en	www.apbank.ch	www.ubs.com	www.bsibank.com
Account type	Settlement and savings	Settlement and savings	Settlement or investment	Private; corporate; savings	Settlement and savings
Down payment	10000 €	500000 €	100000 €	2000000 €	100000 €
Minimum balance	10000 €	1000000 €	—	2 000000 €
Service	120 CHF per quarter	CHF 3 per month + CHF 1,000 per year for privacy	100 CHF annually	600 CHF per year	15 CHF per month
Opening time, days	10	15	3	20

Note! In Switzerland, the income received from maintaining a current account is taxed at 35%.

Advantages of foreign accounts for individuals

Swiss bank accounts allow you to win a number of privileges for Russians:

• defence from financial crisis, devaluation in the Russian Federation;
• money diversification;
• use of international financial instruments and services not available in Russia;
• opening multicurrency deposits, saving money on operations with foreign currency;
• variety of loyalty programs - for example, bonuses and discounts for cardholders payment system Visa or MasterCard.

Swiss bank alternatives

Swiss banks have become less popular due to taxation. Singapore and Andorra became an alternative, eliminating the need to pay taxes to non-residents of the country. The quality of services corresponds to a high level, customer support is provided in 14-34 languages. But many Russians choose Swiss banks to maintain a high social status.

How to open a Swiss bank account - we offer step by step instructions: types of accounts, what documents are needed, questions asked and misconceptions of people.

How to open a Swiss bank account is of interest to many.

After all, everyone at least once heard a mention in films that it is in Switzerland that it is worth keeping hard-earned money.

At the same time, without worrying about their safety.

In real life, things are not so simple.

However, be aware of the features banking system Switzerland and the registration procedure is worth it to everyone who wants to open an account with a reliable bank.

Who can open a Swiss bank account?

It really is available to everyone.

But still, there are certain reasons why bank representatives may refuse. For instance:

Swiss banks carefully monitor their reputation.

It is not for nothing that they have earned the title of the most reliable banking system all over the world!

Therefore, if the depositor is involved in any political scandal, he may be denied service.

The same can be said about the source of origin of the client's money.

If the bank representatives have doubts that they were received honestly, most likely they will not deal with you.

• In addition to the previous point: if there is reason to believe or even evidence that the money has been stolen, the Swiss bank will refuse to open an account.

How to choose a Swiss bank in which to open an account?

In the minds of many, the "Swiss bank" is a specific institution.

Of course it isn't.

There are more than 300 banks in the country.

What is worth knowing in order to choose the one with whom it is worth cooperating?

UBSAG and CreditSuisseGroup are the choice for those who value stability.

These banks are considered the best in the field.

They are the largest, which means they give more guarantees.

An analogue of regions in Switzerland is called cantons (26 in total).

There are 24 cantonal banks in the country.

Each is tied to a specific area and acts according to its legislation.

These are private banks, recognized as the oldest financial institutions in the system.

There are 13 of them in the country.

They focus on the work of managing customer deposits.

While ordinary banks pay more attention to loans and deposits.

What account can I open in a Swiss bank?

Although the procedure for opening an account does not depend on its type, it is worth navigating them:

• personal - allows you to use any bank services and personal funds on the account;
• savings - especially recognized safe option accounts, but are used for ordinary accumulation and interest on the amount of the deposit;
• investment - should be opened to those who are engaged in investing and buying securities.

Can I open an account using the Internet?

It is not possible to open a bank account on your own using the Internet.

At least because of the security policy.

To become a bank customer, you need to accurately identify the person.

And the Internet does not provide such an opportunity, both from the legal side of the issue, and for banal technical reasons.

However, this does not mean that it is impossible to personalize the client in absentia.

This is possible due to the receipt by the representatives of the bank of a certified copy of any suitable identification document.

You can transfer documents to the destination through intermediaries: a branch of a banking institution, a representative office, a financial specialist, a consul, a notary.

In the future, in addition to the document, you will need to confirm the address through correspondence.

How can I open an account while in my country?

For remote opening, as mentioned above, it will be necessary to confirm your identity using an official document (passport, driver's license).

You should not hope that they will not treat you so strictly and it will be easier to act just because you are a resident of another country.

In order to activate the process of opening an account in a Swiss bank, the client must contact its subsidiary "point".

This includes issuing banks, subsidiaries, representative offices and, of course, branches.

If none of the above is available in your country, and you want to open an account in a particular selected bank, you will have to contact them directly.

At the same time, keep in mind that each specific financial institution will have its own account registration system, rules for its use and the minimum amount for the contribution.

What documents are required at the bank to open an account?

The main point is, of course, any document that can officially confirm the identity of the applicant.

In addition to your personal integrity, the bank is also interested in the fate of the money that you will deposit into the account.

So you should be prepared that you will be required to provide documents that indicate the source of the money.

For example, a contract for a real estate transaction, data on the sale of shares or other securities, a certificate of your inheritance.

In addition to confirming the person directly, the bank will need documents with other basic information: date of birth, type of employment, contacts, data on the place of residence.

specific list required documents different for each individual bank.

One thing is for sure: all submitted documents will need to be certified.

Any notary from your city of residence can act as a witness.

What questions can be asked in a Swiss bank?

If you have already tried to open an account at least once, then you know about one of the mandatory components - questions from bank employees.

V this case they may be more "deep" than the usual questions from the state banks in your country.

However, they should not be taken too seriously either.

Rather, it is a conversation from the category of "mandatory routine."

Questions asked may include:

1. Do you open a deposit for yourself?
2. How did you get the money that you plan to deposit in the bank?
3. How would you characterize the current monetary situation?
4. What business are you in?
5. Have you experienced any problems transferring money?

Can I open an anonymous account in Switzerland?

One of the constant accompanying cinematic bank accounts in Switzerland is their supposedly complete anonymity.

However, any more or less legally savvy person understands that this is impossible.

It is possible to become a client only by confirming your identity. And this already contradicts the concept of anonymity.

However, there is a close concept - a numbered deposit account.

Its essence lies in the fact that in addition to "opening" your person to the bank, in the future you will not have to advertise it.

Instead of using a name, any transactions with your money will take place under the "heading" of a personal assigned number.

This is, in its way, the maximum anonymity.

But there is also a pitfall here.

Do not use a numbered deposit account for international transfers.
After all, when performing this operation, you are required to provide personal information.

Is it safe to open Swiss bank accounts?

Where did the rumors about the absolute reliability and safety of Swiss banks come from?

The fact is that any such organization in Sweden must undergo a licensing procedure.

And all this according to the highest quality standards of the Basel Commission.

They regulate the issue of liquidity, the size authorized capital and many other banking issues.

This is already an indicator of high quality.

But for Switzerland, these rules and requirements have been tightened twice - thanks to the categorical legislation.

That is why using banks in this country means entrusting money to the most reliable vault.

What other advantages are there in choosing a Swiss bank,

see in the video:

Popular misconceptions about Swiss banks

We've cleared up some misconceptions, but there are still a few more.

Consider the most popular:

Putting money on a deposit in Switzerland is very profitable and reliable.

The question of reliability has been discussed above.

As for the interest rate, there is nothing to please.

For national currency it is 18-24%, that is, as in most other state-owned banks in other countries.

But for the dollar, the figure is quite sad - 6-8%.

For many it becomes unpleasant surprise the presence of such an unusual item for a Russian person as an “irreducible balance”.

For banks in Switzerland, it is quite large - from $ 200,000.

Although some organizations have lowered the threshold to $5-10,000.

Contributor information may be disclosed.

This is true, but if you are a citizen of the United States of America.

For legal and legislative reasons, banks do not have the right to hide the information requested by official structures about the inhabitants of this country.

How to open a bank account Still, it is better to find out in a specific selected organization.

After all, each has its own characteristics and requirements.

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Swiss accounts are recognized as one of the most reliable and respected in the world. The richest and most famous people on the planet keep their money in Switzerland. However, ordinary entrepreneurs, capital holders who need reliability and a high degree of confidentiality can also open an account in a Swiss bank.

Swiss accounts and Swiss banks offer a high level of service, security and comfort for the client. And at the same time provide wide functionality for those who are looking for various ways invest, preserve and increase own capital.

In this article we will talk about all the nuances associated with Swiss accounts. After reading this material, you will be able not only to understand whether you need an account in Switzerland, but also to open an account in a Swiss bank.

Why open a Swiss bank account?

First of all, let's figure out why, in general, investors from all over the world tend to get to Switzerland and open their own bank account here. There are at least 4 reasons for this that were relevant earlier and continue to be so to this day.

Of course, there are some changes, there are new international requirements, and even Switzerland has to adjust. But in general, experts identify 4 reasons why it is worth opening a Swiss bank account: reputation, service, range of services and confidentiality.

Let's go in order.

Swiss accounts: reputation

The first reason why the richest choose Switzerland is the reputation of the jurisdiction and its banking sector. For centuries, Switzerland has not been involved in wars (more than 500 years), takes a neutral position, serves the financial interests of clients around the world.

The Swiss franc remains one of the most stable currencies of the world and instead of the usual depreciation, on the contrary, it only becomes more expensive. This attracts investors, although it entails some negative points.

The banking system as a whole has also earned a reputation as a reliable partner: security, confidentiality, speed are the hallmarks of Swiss banks.

Plus the opportunity to get an individual approach to service and work directly with your assets. Read more in the section about.

Swiss accounts: maintenance

Another feature of Switzerland is the level of service. Especially if you decide to use the services or. Bankers are ready to work with you individually, provided that you invest on a deposit or current account from 500,000 dollars.

For those who are ready to invest smaller amounts, banks of a wide profile are suitable. But the quality of service will not suffer: a respectful attitude towards the client and concern for his interests are the hallmark of Swiss bankers and banks.

Swiss accounts: range of services

Swiss accounts have been the center of financial life for several centuries, without exaggeration. During this time, not only a clear privacy policy, a service system, but also a wide range of services have been developed.

Here you are free to choose the scheme of work, whether it is a regular current account for daily needs or a deposit account for savings, or an investment account for playing on the stock exchange and looking for new opportunities to earn money.

Not to mention the various financial instruments in which you are free to invest your money. You can start with the usual currencies, whether it be dollars or francs, and finish securities English companies that are owned by Australian holdings.

Depending on the type of assets, you, as a non-resident of Switzerland, will be able to remove excess taxes. For example, according to the law, interest earned on deposits in francs must be taxed at 35%. Even though franc rates are now negative, there are potential taxes. However, if you have a deposit in other currencies, there is no mandatory requirement to pay taxes in Switzerland - only where you are a tax resident.

Swiss accounts: privacy

Separately, those who are going to open an account in a Swiss bank are interested in privacy in Switzerland. A few clarifications need to be made here:

• Banking secrecy still exists in Switzerland;
• The confidentiality of data of depositors, including non-residents, is protected by law;
• For the disclosure of data, punishment is threatened, up to imprisonment;
• However, due to modern requirements for the exchange of information and interaction in the framework of administrative and criminal cases, Switzerland is forced to share information.

In other words, there is no complete anonymity or complete confidentiality. It was destroyed first by the United States, which imposed huge fines on Swiss banks, which led to the closure of several establishments. Then neighbors on the continent - France and - who demanded information about their citizens who invested money in Switzerland, helped.

Switzerland still protects information from prying eyes, primarily from paparazzi, envious people, and relatives. But it can no longer protect it from law enforcement agencies, which have the right to request.

Therefore, it is here that it is worth making a reservation right away: in order to get a Swiss account, you must not just have money on hand. It is necessary that this money be legal, and you should not have problems with the law. Only in this case, you can count not only on confidentiality, but also on the very possibility of opening an account.

Swiss banks become just as paranoid as banks in other countries when . Even despite the long history of cooperation with residents from the former USSR.

Therefore, the item "confidentiality" has a place to be, but not in the sense in which we are accustomed to consider and see in the movies. There is no more total protection. Transparency for tax authorities came to Switzerland. .

Consider this.

But, as you noticed, the list does not include the item “huge profits”. The reason is simple: Switzerland offers the safety of money, not multiplication, as on the stock exchange. In addition, due to the rising franc, the country's authorities were forced to introduce negative rates on deposits in francs.

Despite the fact that deposits do not bring tangible profits, investors still choose Switzerland for its reliability, reputation, and a wide range of financial instruments. And the latter allows you to level the losses.

Who should open a Swiss bank account?

There is a myth that only millionaires and billionaires can open an account in Switzerland. This is not entirely true: investors with different incomes can open an account. But the price will be higher than in a regular bank that stands in front of your house.

Depending on the specific bank the investor will need to invest in a deposit from several thousand to several million euros, dollars or francs. Often you will have to not only open a deposit or current account, but also maintain a minimum amount.

Who should not open a Swiss bank account?

On the other hand, it is contraindicated to use Swiss accounts for the following persons:

• Which launder criminal proceeds;
• Who cannot prove the legality of the origin of funds;
• Which cannot maintain the specified minimum on the account.

Despite strict confidentiality and historical heritage, Switzerland no longer looks only at money. The jurisdiction's reputation has come under serious attack for last years, especially from the US and European neighbors.

Today, Swiss accounts are reliability, respect, management, but not secrecy for criminals, violations, laundering. Among the requested documents there is even proof of payment of taxes and participation in the CFC program - so do not count on an easy walk to the bank.

Despite the ability to work with big money, local banks and bankers are not ready to sacrifice their reputation and, frankly, their own future, for the sake of suspicious money.

What documents are required to open a Swiss bank account?

Properly executed and submitted documents are a decisive step on the way to Swiss accounts. Mistakes, carelessness, inaccuracies can lead to rejection faster than bad breath on a first date.

There are documents that require everything and be sure, but there are those that are requested on an individual basis.

The general documents for opening a Swiss bank account are:

• For account beneficiaries, signatories and other trustees:
  • Copy of passport and ID;
  • Original documents that confirm the residence and address of residence (most often these are paid bills for public Utilities– electricity, gas, water);
• If we are talking about a corporate account (this is possible on a par with personal accounts), then the following are added:
  • Copy of the passport of the directors of the company;
  • A copy of the certificate of incorporation;
  • If the company is more than a year old, then the Good Standing certificate;
  • A copy of the certificate of the memorandum of association, articles of association, etc.;
  • Register of directors and shareholders.

All documents must be translated into English and notarized. At the same time, the bank reserves the right to require additional documents and it is in your interests to fulfill the requirements as quickly and efficiently as possible.

Collection and preparation of documents is the most important stage. To minimize the risks of rejection, we suggest which documents are needed, plus we check them before sending them to the bank. To sign up for free consultation to open an account in Switzerland, write to e-mail [email protected].

Reliability of deposits in Swiss accounts?

But before preparing documents for opening an account in Switzerland, you will probably be interested in the answer to the question: are Swiss accounts reliable at all?

In short: yes, reliable. Especially if you avoid giants and choose medium-sized pots that work for results. You will learn how to choose such a bank at.

In general, the following facts speak for the reliability of banks and the banking sector:

• The banking sector has been actively used for at least 5 hundred years;
• Over the years has accumulated vast experience in asset management;
• At various times, 20-40% of Swiss francs are backed by gold;
• Deposits are guaranteed security;
• The law protects depositors;
• The only way to quickly bankrupt a Swiss bank is to impose a couple of billion dollars in fines on it (which was the practice of the United States and why banks are now closely watching for new customers).

Of particular interest are the cells in the bank. As you know, in some banks, in the event of a crisis, the contents of the cells are frozen along with the accounts and are used to cover debts. In Switzerland, the cells remain free and the owners can withdraw their property from them at any time. Not to mention the fact that you can store anything in the cells, including cash, in.

If Swiss accounts were not reliable, then wealthy people from all over the world would not seek to open them. You can stand in line with the richest people and

Is there a minimum deposit and minimum balance required for Swiss accounts?

Yes I need it. It may be minimal, but most banks require non-resident depositors to deposit a certain amount first, and then maintain a balance not lower than a given level.

As mentioned above, there are banks that require an investment of 500,000 dollars and with a minimum balance of 250,000. But there are banks that ask for an investment of only 5,000 euros and not lower the account balance below the equivalent of 1,000 francs.

By the way, last bank not only offers a minimum entry threshold, but is also the only bank that allows you to open an account remotely!

Can I open a Swiss bank account remotely?

Generally not welcome in Switzerland remote opening accounts. One way or another, you will have to interact with bank employees. The only difference is that sometimes you have to go to Switzerland itself to confirm your identity, or contact foreign branches one or another Swiss bank.

It is important to note here: open an account with a Swiss bank in Switzerland. The fact is that branches are subject to the requirements of local legislation. Therefore, if you open an account with a Russian or German branch of a Swiss bank, you will be subject to Russian or German regulations. Together with full transparency and accountability.

However, there is one bank that cooperates with our portal and. This does not mean that it becomes easier to open. In this case, you save time and resources on the trip. And preparation, sending and verification of documents are still necessary.

Banking secrecy in Switzerland: does it exist?

Another important point One thing to pay close attention to is bank secrecy in Switzerland. What for? Then, that the prevailing opinion and historical memory make it difficult to recognize the real situation in this area.

Switzerland has always offered reliable data protection. Bank secrecy rules are spelled out in the law, and disclosure of information about depositors is punishable.

But due to new rules and new times, modern banking secrecy is not the same as 10-20-100 years ago.

It is widely believed that Bank Secrecy protects information from any external request. And so it was: even Swiss law enforcement agencies, not to mention foreign ones, could not immediately obtain data from banks. Privacy protection was higher.

However, in connection with the scandals in the field of money laundering, after a hard fight with the United States and Germany with France, Switzerland had to make concessions. Bank secrecy rules have changed.

From whom does banking secrecy now protect? From curious journalists, from envious people, from relatives who were not informed, from all people who were not involved without special powers.

From whom does she not protect? from the tax authorities. Plus from other law enforcement agencies if it was shown that a person committed a serious offense.

In addition, Switzerland has joined the automatic exchange of information and has been ready to share data with its neighbors in Europe since this year. In addition, it is preparing for an exchange with other countries, including Russia, if the Russian Federation fulfills its obligations.

Banks transmit information about American depositors automatically because of the fear of incurring fines that have ruined or damaged other banks. So far, the OECD Single Standard is not as scary as the American FATCA, but data will be exchanged, so it is impossible to talk about banking secrecy in the old sense.

Banking secrecy in Switzerland ensures that no one will just talk about your accounts, money and you. And the more serious the bank, the larger the deposits, the more interested in silence, both you and the bankers.

After all, this is an element of reliability in the operation of the bank.

How to open a Swiss bank account: step by step instructions

When you decide it's time to open a Swiss bank account, follow these instructions:

• Write a letter with a request to the postal address [email protected]– you sign up for a personal consultation and get answers to those questions that remain unresolved;
• The specialist will help you choose a specific bank and issue an invoice for the services of opening an account with a Swiss bank. It is possible to pay for the service via PayPal, Webmoney, Western Union, by card or bank transfer;
• You prepare documents for submission to the bank - full list, which depends on the bank and your goals (corporate or personal account), will be provided by a consultant;
• When you collect a complete package of documents, we will send it to the bank. Application processing takes approximately 10 business days. In some cases, the bank has the right to request additional documents;
• If you want to increase the chance of opening a Swiss bank account, then apply to several banks at once;
• The need for a personal meeting with a banker, a deposit and a minimum balance is agreed in advance.

Bank deposit in our time is a popular service. After all, he not only allows you to accumulate money, but also to increase your funds.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and IS FREE!

At the same time, you can open a deposit not only in a Russian, but also in a reliable Swiss bank. It offers, first of all, stability to save deposits.

Basic information

To get started, to open an account in Swiss financial institution It is worth exploring the following aspects:

• can you, as a citizen who does not always arrive in Switzerland, open an account in a Swiss bank;
• can you open an account in Switzerland to pay real estate expenses;
• how long it will take to open an account with a Swiss financial institution;
• Do you need to deposit any amount of finance into the account? If so, what are the amounts of such contribution;
• whether it is possible to open an account in a Swiss financial institution via the Internet, mail, cellular, e-mail or fax;
• do you have documents available that a financial institution may require when opening an account with a Swiss financial institution;
• will it be possible to open a bank account in Switzerland in foreign currency- or dollars;
• whether the opening of an account with a Swiss financial institution will be kept confidential;
• what is the savings guarantee financial resources in an account with a Swiss financial institution;
• whether the method will use a credit card that is associated with the billing;
• what is the price for the provision of services for opening an account in a Swiss financial institution;
• whether they will pay profit on the amount of the contribution;
• whether you can close an account with a Swiss financial institution at your convenience.

What it is

A deposit is the process of transferring the depositor's funds to the bank at interest with their return after a certain time or at the request of the client.

By investing money in a bank, you begin to make a profit from them. The Swiss National Bank is the central financial institution of Switzerland.

Confidentiality	This is the safety of information from leakage.
Personal bank account	This is an option for physical persons who plan to actively carry out actions with the account, that is, receive wages on the account, pay through the account, etc. When opening an account of this type, it is also possible to get access to all the services provided by the organization
savings account	This is an option for individuals who plan to set aside finances, save them and earn interest.
	This is an option for individuals who want to engage in investments and deposits in securities

Contact information (official site)

If you know a foreign language, you can go to the official website National Bank Switzerland https://www.snb.ch, and get acquainted with the information.

You can also use the services of financial institutions to issue accounts:

• UBS AG (Union Bank of Switzerland);
• Credit Suisse Group;
• Raiffeisen Group.

Regulatory regulation

Swiss financial institutions conduct their activities in accordance with regulatory documentation, namely:

According to Swiss law, banks have dormant accounts, deposits are considered as such if the correspondence has ceased to reach the addressee, and if the bank has learned about the death of the depositor.

How to make a deposit in a Swiss bank

The first thing to remember is that Swiss financial institutions use a system of very strict rules regarding opening accounts, regardless of the location of the client.

Due diligence laws in Switzerland require a financial institution to verify identity individual according to the official document.

If the Swiss financial institution you are interested in has a subsidiary, branch or representative office in the territory where you live, then such verification can be done at your place.

If the financial institution is not represented, then you must personally contact a financial institution in Switzerland or contact an intermediary financial institution so that they can arrange an audience with Swiss bankers for you and provide you with all the additional information you need.

All the necessary information on how to open an account with a Swiss financial institution should be obtained from intermediaries that provide such services, or contact directly with a Swiss financial institution.

What conditions are offered

Conditions provided by the financial institution:

• how to issue an invoice in Swiss francs (CHF), euros (EUR), British pound sterling (GBP) and yuan;
• responsible storage of account information;
• secure storage of finances;
• the advantage of using a credit card, which is associated with the opening of an account;
• payment of profit according to the amount of the contribution;
• the ability to close the account on demand.

Required documents

To open a deposit account with a bank in Switzerland, you will need a passport, identification card or other identification document.

Moreover, the bank has the right to demand a document on the source of income. This may be a certificate from the place of work, or from the tax office.

Also, a banking organization may request documents on the origin of funds - an agreement on the sale of valuables, etc.

In addition, the bank checks whether the tax has been paid on the deposited money. Banks try to check customers as much as possible, especially new ones.

Sometimes other documents may be required (at the discretion of the organization). It is worth pointing out that from year to year, credit structures show more stringent requests for the composition of the package of documents.

Can I apply online

Most banking organizations provide the opportunity to open an account in electronic format. For example, to register with the Swiss Forex Bank, you need:

1. Register on the bank's website and receive documents for opening an account.
2. Fill out the agreement and sign it, then send it to the bank branch in Geneva. Certified copies of documents must be sent along with the agreement.
3. Deposit money and get a username and password.

Some banks may also request original documents. The account is opened within 1-7 days after receiving the documents.

It is important to note that no bank will open an account without presenting documents. Do not trust intermediaries offering this kind of deal.

How much does the service cost

Opening a bank account in Switzerland is free. And here is his service, Bank operations, correspondence require payment.

The bank sets the amount of the fee itself, there is a significant difference between different banks. Alas, in some cases, the cost of maintenance may exceed the amount of expected interest.

With an amount of 6500 Swiss francs, the following offers will be the most profitable:

If the amount is 25,000 Swiss francs, it will be more economical to be served in the following banks:

Banca Polare	935 francs
Zweiplus	731 francs
post finance	387 francs

All amounts are for service over a period of five years. However, the basic tariff does not cancel the payment for individual services. For example, using an ATM of another bank, etc.

There is also a noticeable trend towards an individual approach, when discounts and benefits are offered to different types of customers. Most often, such conditions are offered to young people (20-25 years old) and pensioners.

Moreover, by entering into an agreement with a university or other educational institution, banks do not charge a commission from students. You need to study, of course, in Switzerland.

Minimum investment amount

The minimum investment amount depends only on the bank. More than 250 Swiss banks dictate their own terms.

There is a pattern - the larger the financial institution, the large sum required for minimum investment.

On average, this is an amount from 500 to 700 thousand Swiss francs. Of course, you can find much smaller amounts. More detailed information can be found on the websites of banks, by phone, and also from intermediaries.

Do not be sad if you need to have too much money in your account to open it. Each specific case is negotiated on an individual basis.

It is noteworthy that residents of Switzerland, as well as those who cross the border for work purposes with a certain frequency, have the right to issue an account without the obligatory payment minimum amount. This is possible at UBS, Raiffeisen, Credit Suisse, Postfinance and cantonal banks.

List of financial and credit organizations

As already mentioned, there are about 250 banks in Switzerland. Of course, the choice depends on personal goals.

If you want to work with all financial instruments (buying shares, for example), you should contact large banks, which are also called giants.

If you have a goal to get a standard set in the form of an account and a card, small banks that provide theirs to non-residents are quite suitable for you.

Yes, it is worth noting that not all banks work with non-resident clients. The table below will tell you the safest and most time-tested banks that work with clients from Russia:

banking organization	Types of deposits	The smallest contribution / balance
C.I.M Bank	Personal and corporate in any currency	5 000 USD/EUR
Credit Suisse Zurich	Personal and corporate	500 00 USD if the size increases by 2 times within two years
ClaridenLeu Bank Zurich	Investment savings	Minimum balance CHF 500 thousand
UBS Zurich	Investment savings	Minimum balance 1 million CHF/USD
Bank Julius Bar Zurich	Investment savings	Minimum balance CHF 1 million
Bank Sarasin Zurich	Private and corporate	Minimum balance CHF 320 thousand

Interest rates for today

You need to understand that most Swiss banks refuse non-residents to open a standard current account.

The offer remains only for the "investment" account, where the percentage is set according to the selected portfolio and market conditions. What is the interest rate on deposits in Swiss banks?

We can definitely say that a Swiss bank is not suitable as a way of income. Many domestic banks offer much better terms.

Deposits in Swiss banks for Russians offer interest of 2-3% per annum, which, you see, is several times less than the offers of domestic banks.

Advantages and disadvantages

What are the advantages of Swiss banks? Definitely, this is a high level of insurance and the absence of high-risk operations. Also, many investors are attracted by the absence of taxes.

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