How to open an account in the Swiss bank to a citizen of Russia

Many of Russian citizens already have accounts in foreign banks. In addition, nowadays, it is not difficult to make their own monetary account abroad with a deposit of $ 2,000. Single of the most reliable banks are Swiss. However, the opening of the account in Switzerland is not possible to all.

Russian legislation is allowed to invest in foreign financial institutions only on three grounds:

Personal expenses:
- savings;
- Investments.

To make a cash contribution abroad, which pursues other purposes, it will be necessary to resolve the Bank of Russia. The Russian Client of the Swiss Bank is obliged to fill in a special questionnaire, as well as present the general passport, where the authorities are marked on the legality of its stay in this state. For opening an account in the Bank of Switzerland, a personal presence is required. To obtain remote access to your account, there are a lot of modern tools - for example, telephone communication, SMS, Internet, sending checks by mail, etc. The banks themselves also use different ways to transfer account statements to customers.

In order to open an account abroad, it often happens enough amounts of 50-150 thousand dollars. It should be noted that interest rates abroad are significantly inferior to the fact that Russian banks offer. Thus, the annual percentage of currency deposits in Russia comes to 9%. In many European countries, this figure is less than 5%. But the main advantage for those who have a score in the bank of Switzerland is to increase funds. In the event of a bankruptcy of the organization or other unforeseen incidents, solid compensation is paid to the client.

Another important point for Russian depositors abroad is responsibility to tax authorities. Within a month after opening an account in a foreign bank, the Russian is obliged to notify the tax authorities about it. Also, later, this notice will need to be submitted to the Commercial Bank of Russia when the first transfer of money for his own account in a foreign financial institution. Limitations on the volume of translated funds are absent in this case.

If not to notify the tax authorities on time, you can lose all funds in the account in a foreign bank, since they can be removed in favor of the state.

The procedure for opening an account in Switzerland itself is only beginning to achieve its goal. The next task is to transfer funds from Russia, which can be carried out either through the opening of the currency account in the Russian bank or without it.

With the first version, the depositor is obliged to provide a bank organization a wide package of documents, which includes a transfer statement itself, a copy of the notification of tax authorities with a positive mark, as well as a document certifying the personality. If you use the option number 2, then the documents that confirm the origin of funds should be added here. In the absence of these securities, the bank may issue a refusal to translate.

Those who decided to make a cash account in Switzerland, it is useful to know: for a long time, Swiss bankers have developed a lot of techniques for safe cooperation with customers. In addition, many of the banks of this country are very expected by the deserved reputation, therefore, each client is suitable individually, but at the same time with extreme caution.

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At the same time, the deposit can be discovered not only in Russian, but also in a reliable Swiss bank. It offers primarily stability to preserve deposits.

Basic information

To begin with, to make an account in the Swiss financial institution, it is worth examining such aspects:

• can you, as a citizen, not always arrive on the territory of Switzerland, arrange an account in the Swiss bank;
• can you make an account in Switzerland to pay spending on real estate;
• how much will continue to issue an account in the Swiss financial institution;
• do you need to make any finance amount to the account? If so, then what volumes of this contribution;
• is there any possibility of making an account in a Swiss financial institution through the Internet, mail, cellular, email or fax;
• do you have documents in stock, which may require a financial institution when making an account in the Swiss Financial Institution;
• will the opportunity to take an account at the Swiss Bank in foreign currency - or dollars;
• whether the confidentiality of the account is met in the financial institution of Switzerland;
• what is the guarantee of the savings of funds in the account in the Swiss financial institution;
• will a way to use a credit card, which is associated with the account design;
• what is the price for the provision of accounts for billing in the Swiss financial institution;
• whether to pay profits on the amount of the contribution;
• will you be able to close the account in the Swiss financial institution when it is convenient for you.

What it is

The deposit is the process of transferring the depositor to the bank to the Bank at interest with their return after a certain time or at the request of the client.

By investing money in the bank, you start receiving profit from them. The National Bank of Switzerland is the Central Financial Organization 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 conduct action with a score, that is, to receive salary to pay, pay through the account, etc. When opening an account of this type, there is an opportunity to also access all services that the organization has
savings account	This is an option for individuals who plan to postpone finances, save them and get interest.
	This is an option for individuals who want to invest investment and deposits into securities.

Contact information (official website)

When knowledge of a foreign language, you can log in the official website of the National Bank of Switzerland https://www.snb.ch, and get acquainted with the information.

Also for billing, you can use the services of financial organizations:

• UBS AG (UNION BANK OF SWITZERLAND);
• Credit Suisse Group;
• RAIFFEISEN GROUP.

Regulatory regulation

Financial institutions of Switzerland conduct their activities under the regulatory documentation, namely:

According to Switzerland's legislation, there are sleeping bills in banks, deposits are considered such that the correspondence has ceased to reach the addressee, and if the bank learned about the death of the depositor.

How to make a contribution to the Swiss Bank

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

According to the legislation of Switzerland, prescribing "due verification", the financial organization is obliged to check the individual of an individual on the official document.

If the Swiss financial institution has interested in you, has a subsidiary, a branch or representation in the territory where you live, then you can pass this check.

If the financial institution is not represented, then it is necessary to personally establish contact with the financial organization in Switzerland or establish contact with the financial organization - an intermediary so that they will help arrange an audience with Swiss bankers for you and deliver all the necessary additional information to you.

All the necessary information as an account in the Swiss financial institution should be recognized by intermediaries who provide such services or contact the Swiss financial institution directly.

What conditions are offered

The conditions that financial institution provides:

• way to make an account in Swiss francs (CHF), Euro (EUR),), British pound sterling (GBP) and in yuan;
• responsible storage of account information information;
• reliable storage of finance;
• the advantage of using a credit card, which is associated with the registration of the account;
• payment of profits in terms of the amount of payment;
• ability to close the account on request.

Required documents

For registration of a deposit account in the Bank of Switzerland, a passport will be required, identification card or other document establishing a person.

Moreover, the Bank has the right to demand a revenue source document. It may be a certificate from the place of work, or from the tax service.

Also, a banking organization can request documents on the origin of funds - the contract for the sale of values, etc.

In addition, the bank checks whether the money made paid by the tax. Banks are trying 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 indicating that from year to year credit structures show more strict requests to the composition of the package of documents.

Is it possible to arrange via the Internet

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

1. To register on the Bank's webpage and receive documents for checking the account.
2. Fill out the agreement and sign it, after sending it to the bank's office in Geneva. Along with the agreement, you need to send certified copies of documents.
3. Make money and get a login and password.

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

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

How much is the service costs

Open an account in the Switzerland bank you can be free. But its service, banking operations, correspondence require payment.

The size of collecting the Bank establishes itself, there is a significant difference between different banks. Alas, in some cases the cost of service may exceed the amount of expected interest.

With the amount of 6,500 Swiss francs, the following suggestions will be the most profitable:

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

Banca Popolare.	935 Frankov
Zweiplus.	731 Frank
Post Finance	387 Frankov

All amounts are responsible for service for five years. However, the main tariff does not cancel the payment of individual services. For example, the use of an ATM of another bank, etc.

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

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

Minimum investment

The minimum amount of attachment depends only on the bank. More than 250 Swiss banks dictate their own conditions.

There is a regularity - the greater the financial organization, the greater the amount is required for minimal investment.

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

Do not be sad if it should be too large for opening on the account. Each particular case is negotiated individually.

It is noteworthy that the inhabitants of Switzerland, as well as those who cross the border in working purposes with a certain frequency, have the right to arrange an account without compulsory minimum amount. This is possible in UBS banks, 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 purposes.

If you want to work with all finance tools (purchase of shares, for example), you should contact large banks that are also called giants.

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

Yes, it is worth noting - not all banks work with non-resident customers. The table below will tell you the safest and time-tested banks working 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 rises 2 times within two years
Claridenleu Bank Zurich.	Investment and savings	Minimum residue 500 thousand CHF
UBS Zurich.	Investment and savings	Minimum residue 1 million CHF / USD
Bank Julius Bar Zurich	Investment and savings	Minimum residue 1 million CHF
Bank Sarasin Zurich	Private and corporate	Minimum residue 320 thousand CHF

Interest rates for today

It should be understood that the majority of Switzerland banks denied non-residents in the opening of the standard current account.

The offer remains only for the "investment" account, where the percentage is established according to the selected portfolio and market conjugation. What percentage of deposits in Swiss banks?

Unambiguously, we can say that the Swiss bank is not suitable as a way of income. Many domestic banks offer much more favorable conditions.

Investments in Swiss banks for Russians, interest is offered by 2-3% per annum, which, you see, at times there are fewer offers of domestic banks.

Advantages and disadvantages

What are the advantages of Switzerland's banks? Definitely, this is a high level of insurance and the lack of high risk operations. Also many depositors attract the lack of taxes.

Many are confident that the Swiss bank can be interesting exclusively to millionaires, officials or criminals who need to be hidden from illegal, wealth. Or famous and public persons who do not wish to advertise their revenues for one reason or another. But actually an account in one of the Switzerland banks can open every adult.

What is needed to open an account in the Swiss bank

More recently, Russian citizens could contribute to the Swiss bank only after receiving a special permission of the Central Bank. The exception was only those citizens who temporarily lived abroad. But since 2003, Russians had the opportunity to open an account in Switzerland banks, regardless of the place of residence. From this year, the instruction of the Central Bank No. 100-and "On the accounts of the accounts of residents of residents in banks outside the Russian Federation began to work." According to her, they are entitled to discover accounts in the banks of foreign countries or branches located in the territory of states included in the Organization of Economic Cooperation and Development.

In June 2004, a new law on currency regulation entered into force, thanks to which citizens of Russia were able to use banks from other states. It is worth noting that the discovery in the Swiss bank and keep money on it can only be given permission in the tax inspectorate at the place of residence.

For what purposes you can use the account in the Swiss bank

According to the instructions No. 100, the account in the bank of foreign states can be discovered for money savings. For the purposes associated with the implementation of entrepreneurial activities and for servicing business, only the services of the RF bank services can be used.

How to open an account in the bank of Switzerland

This can make any physical or legal person. Your account will be serviced in almost any currency in the world, although many are preferred euros, US dollar, Swiss franc or British pound. In some banking institutions, the account can be opened by mail. The bank will send you all the required receipts and conditions. In essence, the processes of opening an account personally or by mail are almost identical. The only difference is that, with the account postage, you need to preserve a copy of the bank to preserve the bank to preserve from the notary.

An exemplary list of data to be provided to open an account in Switzerland

The Swiss bank requires the following information from its potential depositors:

1. Personal data of the client, namely the surname, name, fatherland, address of living, place and date of birth, nationality.
2. Data on kind of activity.
3. Copies of the first four pages of the passport.
4. Copies of the latest receipts for the payment of utilities on which your name is indicated. The receipts should also be assured from the notary.
5. Documents confirming the source of funds in the account.

Where you can open an account in Switzerland

The Swiss bank offers customers a large selection of services, while fully guarantees confidentiality. In each banking institution, however, has its own features of the opening of the account. First of all, you need to decide for what purpose you open it. Choosing, which bank to give preference, you in any case will have to balance between the possibility of trust management account and confidentiality.

Banks in this country are guided by fairly stringent rules regarding the procedure for opening accounts. If the Swiss bank chosen by you has a branch or a subsidiary in Russia, then you better contact these institutions. If there is no representation of this bank in Russia, then you need to contact Switzerland directly, which focuses on the further direction of your actions.

How much is the opening of the account in the banking institution of Switzerland

To keep money in the Swiss bank, it is 350-550 dollars plus the amount of the initial deposit. Commissions of banks of this country are quite acceptable, and interest in Swiss banks is usually higher than in other countries. Accounts opened on a trust management system annually bring to its owner from 8 to 15% of profits. For the convenience of controlling, many banks use technological innovations, in particular, investment strategies and Internet banking.

Quite often, when opening an account, the minimum deposit threshold in the amount of hundred-two hundred thousand dollars is established. But there are both banks that are ready to open active accounts with much less. It also applies to banking fees, and payment. The more contribution, the more flexible conditions offers the Bank regarding the requirements and minimum restrictions. It is worth paying attention to that any financial institution in Switzerland, paying dividends and interest in accordance with the legislation, is obliged to keep income tax at a rate of 35%.

The tax is paid at the place of receipt of funds. Citizens of foreign states have the right to demand compensation to the tax paid, if the country in which they are located, concluded an agreement with Switzerland about avoidance

For what reasons you may be denied an account opening

In most cases, the statement for opening an account, the Swiss bank in Moscow accepts, but there is a separate category of customers who are still refused. For example, the banking institution may not allow to discover the score to persons who can negatively affect the bank's reputation as clients. Also, in the opening of an account, it may be denied in the event of a doubt about the veracity of information on the origin of the potential customer's funds. The legislation of this country to banks are prohibited from making money if they learned or even suggested that money was obtained illegal or criminal. In many private banks to open a depositary account, a recommendation or a special invitation from the current client is required.

Private Banking.

The service "Private Banking" (Private Banking) is available to persons who are stored in Switzerland's bank exceptionally large assets. This service is called private, as customers receive an individual, higher level of service than the one that is provided in a mass retail institution. As a rule, Private Banking is available to people who plan to make a contribution in the amount of one million dollars, but there are also private financial institutions that provide this service to customers investing more modest amounts - 50-100 thousand dollars. Private Banking services include letters of recommendation on asset management features, including investments and their planning and all sorts of tax activities. Many private financial institutions refuse to work with people without a special invitation from a person who is already their client. It is worth noting that investment services are offered and retail Swiss banks, but they are often quite far from the level, which is noted in the service of private financial institutions.

How to open a score in the Swiss bank

Banking Mystery in Switzerland

The Swiss banking secrets guarantees the confidentiality of information on deposits in Swiss banks for more than 300 years.

Geneva bankers were court bankers of the French kings, and the first written information about the banking secrecy is dating 1713. With Louis XVI, the Swiss banker Jacques Jacques Necker was even the general director of the financial department.

Until 1934, the provisions on banking secrets were kept in the Civil and Labor Codes of Switzerland. The federal courts secured them in law enforcement practice - from now on, the client suffered from the disclosure of the banking secrecy could subsequently recover the damage from the bank. The Federal Law "On Banking Activities", adopted in 1934, clearly formulated that the banking secrecy is a criminal law. From this point on, the banker could be punished with a deprivation of freedom, which further strengthened the rights of the depositor to the confidentiality of the information transferred to them.

From January 1, 2005, the provision of the European Union Directive, regulating the exchange of information on investment for tax purposes, is engaged in force, which, according to its creators, will reveal many bank secrets. But it will not affect the most famous banking secrets - Switzerland, which is not a member of the EU.

Switzerland, located in the heart of Europe, which stores 1/3 of world private capital, continues to carefully guard the secrecy of bank deposits, despite the existing pressure on the part of the European Union. Compliance with bank secrecy is a fundamental principle on which the entire banking system of Switzerland is based. To include Switzerland into the information exchange system, the EU even resorted to the threat to introduce economic sanctions, but nothing shake the country's position, the main argument of which was that the top of the member countries of the Union - Austria, Belgium and Luxembourg - also refused to provide the above-mentioned information.

Of course, the banking secrecy in Switzerland is not Absolute. Swiss legislation negotiates in detail the situation in which the banking secrets can be partially disclosed. In particular, if the Swiss Citizen is suspected of committing a criminal offense, the investigation authorities may submit a court decision on which the necessary investigation will be disclosed. This provision also applies to foreign citizens, but only to the degree determined by the provisions of the Swiss contract with each specific country. In any case, foreign authorities, leading investigations, cannot directly apply for such information to the Financial Institute of Switzerland - they need the decision of the Swiss court. In certain cases, the judiciary of a foreign state may apply with a compliant request to the Swiss National Department of Justice and Police, and after appropriate comprehensive consideration, a conclusion may be issued on providing information on bank deposits.

With criminal investigations, the action committed by the criminal must be criminalized under the laws of Switzerland. The latter circumstance is essential to preserve bank secrecy, since tax violations are in Switzerland to minor offenses, and the criminal offense is not punishable. Swiss legislation clearly distinguishes the concepts of "tax evasion" (failure to provide income information) and "tax fraud" (fake documents, racket). In Switzerland, tax evasion is not a sufficient legal basis for disclosure of information that make up bank secrecy. If tax fraud is committed, a criminal case is initiated, in connection with which bank secrets can be disclosed. Switzerland refuses to cooperate with the courts when dealing with them about tax evasion.

Evasion from paying taxes is to refuse to provide information on the size of the state or income of the tax authorities. It is either no omission or underestimation by the authorities, but Swiss laws do not consider such cases serious crimes and consider them only as administrative offenses. Tax evasion are in tax authorities, they are usually not considered in court. For this kind, administrative violations in Switzerland are punished with a fine or tax recovery for the entire past period. Swiss tax structures cannot impose a fine on foreigners, if such are not Swiss residents. Banks are forbidden to inform the authorities on cases of tax evasion, except in cases when it comes to a criminal offense.

Tax fraud consists of hiding taxable funds by means of fake, falsification or intentional distortion of documents. Cases of fraud of various kinds can also be considered as tax fraud, even if they themselves are not related to the falsification of documents. Tax fraud is punishable in criminal procedure, and Swiss banks are obliged to inform about all such cases by the legislative structures of Switzerland or other countries, acting on the orders of the judge.

Today, Switzerland's banking legislation complies with the highest international standards in the field of combating organized crime and countering "laundering" of "dirty" money. However, this result is achieved without encroachment on the confidentiality of law-abiding accounts. In the financial world, Switzerland ranked a unique niche in the provision of private banking services, where other financial centers cannot compete with it. The pressure from the EU and the USA, their requirements to disclose information about depositors, are an attempt on the fundamental principle of the Swiss banking system (the confidentiality of bank deposits), and that it can be broken, Swiss bankers cannot and threaten. They comply with legality, but do not refuse to be sustainable, justified by banking and tax practices.

Types of bank accounts

Depending on the volume and type of settlement operations, which are entitled to make a bank client, accounts can be divided into calculated, savings and depository.

Current or current account

The active account in the bank to which deposits can be made and from which any calculated operations can be performed. Interest is charged for the current contribution, but at the rate of lower than, for example, for savings accounts. The number of operations for this account is unlimited. It is also possible to obtain credit cards of any species. For customers from countries in Eastern Europe, this usually occurs after 1-2 months from the date of opening an account. Additional deposits are usually not required.

savings account

The savings account is located a certain amount for a fixed period in order to obtain interest income. The more your contribution and the term of the deposit, the higher the income will eventually. Income interest is directly dependent on both the amount of the amount and the deposit time, and are accrued at the end of each month. The number of settlement operations on this account is limited. At the end of the deposit period, you get the entire accumulated amount. You can also use the invested means at any time, in this case the interest on the deposit is not paid.

"Depositary" account

This type of account is used to provide a set of services for servicing securities and other financial assets of the client.

Current and savings accounts may, as a rule, open in Swiss, European and American currencies. Internet bank services are also available. For customers from Eastern European countries, the provision of this service may be difficult.

Depending on who is the owner of the account - a physical or legal person, as well as on privacy, accounts can be divided into nominal, number and legal entities.

Name accounts

An account opened by the Bank in the name of the client.
Advantages: You can manage your account through any branch of the bank, presenting a certificate identity document. Postcases: Low privacy. When transferring money from your license number to another, the recipient's bank will see the number of your account and the name of the owner.

Number accounts

The number account is used to enhance the bank secrecy mode. Only a few employees of the bank are aware of the personality of the account owner, the rest do not see anything except the number. To ensure maximum efficiency, compliance with certain precautions from the user is required.

The number of provisions are applied to the number account as other accounts in Swiss banks. The information constituting a bank secrecy can be disclosed in suspected "laundering" of money. Nutrition accounts provide reliable protection of information in cases of divorce, challenging the right of inheritance or bankruptcy. The number account is not anonymous - the bank always knows who his true owner.

When opening a number account, instead of your name, a set of numbers needed to identify the identity of the owner are used. The system of license accounts, also known as the "system of license banking operations", is essentially an internal warranty of the Bank, aspiring to ensure that the personality of the account holder is known only to the narrow circle of bank employees.

Another advantage of license plates - they ensure the complete confidentiality of bank transfer. The latter means that when transferring money from your license invoice for someone else's account, the recipient's bank will only see the number of your account or, in some cases, nothing but mark: XYZ Bank, acting on behalf of the client.

This is a classic license number in the Swiss bank, one of those who own kings and oligarchs. Swiss private banks have been working in this market for 200 years and are its leaders.

Advantages: incomparably a big degree of confidentiality than that of personal accounts. Appointments: most of the operations you have to spend only through your banker, and you will not be able to take advantage of your account through a network of bank branches, etc.

Accounts for legal entities

The account opens onto a legal entity, which can be practically any company, including offshore. These types of accounts are also used to achieve the highest degree of confidentiality. This is achieved by opening an account on an offshore company, fund or trust, as well as through the opening of license officials for legal entities.

Advantages: It is possible to the highest degree of confidentiality and optimization of taxation. Standards: the cost of maintaining the company and compliance with all formalities to obtain the right to use the score.

All types of accounts can be managed by fax, pre-warning the bank by phone.

Bank account opening procedure

The minimum deposit amount in most Swiss private banks ranges from 300 to 500 thousand wt. Franks. Some banks set this minimum in USD. In exceptional cases, the account can be opened if there is a smaller amount. Usually, for this, at a minimum, the oral assurance is that in the near future the account will be replenished, and that the number of operations carried out will be minimized. After 2-3 years, the Bank checks the status of the account, and if it remains the same, it may be proposed to client to close the account in this bank.

The opening of the account is preceded by a client meeting with a banker. The meeting can occur both in a bank and on another territory. There is also the possibility that the banker will come to the country where the client is located. The waiting time in this case varies depending on the size of the contribution and ranges from several days to one month. The main task of the banker is to obtain the most complete information about your future client and the creation of the so-called "Profile". The client provides all the necessary documents confirming the legal origin of funds, and also fills all the necessary papers to open an account.

The struggle against organized crime and "laundering" of money is one of the main tasks of Swiss banks. In practice, in the interests of Swiss banks, the reception and storage of criminally acquired funds are at all: they do not need profit from customers whose actions violate the legislation of their country. Acting on the instructions of the Swiss authorities, banks have been actively involved in the fight against "laundering" of money. Swiss developed a number of protective mechanisms operating under legislation and regulations. They implemented many preventive and repressive events against "laundering" on their territory. These are modern and universal mechanisms for enhancing very effective procedures, both at the level of the banks themselves and internationally.

The procedure for checking the origin of funds is called "Due Diligence" and is a decisive factor when opening a bank account to the Client. The bank does not act as the investigator, but will be appreciated for any information confirming the legality of the origin of the customer's funds. Usually the client ask questions about its work, companies, family, spouses, children, political activity. Documents confirming real income, business size or certificate of inheritance, etc. are welcome. The following should be verified by all these data by the Special Department of the Bank, according to the results of which, is given or consent or refusal to open an account. This procedure can take from two weeks to one month. A decisive role in opening a bank account with a new client can play the recommendation of the already existing Bank's client.

After making a positive decision on opening an account, the client communicates all the necessary details, including to transfer funds. A copy of the contract can be provided, but is usually not done due to confidentiality. The client says in advance with the banker the size of the listed amount. If the actual translation significantly exceeds the agreed size, then an additional check is possible by the bank of "cleanliness" of funds. Swiss banks are very accurate and prefer not to deal with cash. Although in exceptional cases it is possible to enter and cash. For example, in cases where the client receives cash revenue from selling real estate, etc. There is also an unknown rule that the banker meets with its client, at least once a year to discuss all the issues of account management issues, inform about new products and services, fulfill the customer's instructions.

Examples of life

Case I: Moscow businessman, owner of its own company, wants to open an account in his name in the Swiss Private Bank XYZ. With a personal meeting of the banker, the passport is interested, documents for the company, a working contract, balance, financial reports. The documents for opening an account are filled out, the decision is made during the period from one week to one month.

Case II: A lawyer - opens an offshore company or trust and needs a bill. In this case, the personal meeting of the client and the banker is simply necessary. Documents will be required to the company, as well as the identification of managers and property. The Due Diligence procedure will be carried out in respect of each person. The decision-making procedure will last about three weeks.

Professional service, respectability, high level of capitalization and liquidity allows the "Alpine Territory" to become the best place to accommodate and store savings of foreign citizens. Wanting to open an account in the Swiss bank, a physical person from Russia should personally visit the country (or meet a representative in the territory of the Russian Federation), to make a minimum deposit and confirm the legality of the origin of income. Capital management is carried out by fax or telephone, payment transactions require harmonization with bank managers.

The legislative framework

In 2016, Article 305 BIS of the Criminal Code of the Swiss Confederation, which includes the concept of "qualified tax evasion". The law provides for the administrative responsibility of bankers suspected of illegally attracting capital customers, but neglecting 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! Open an account in the Swiss Bank for individuals who make up the list of attackers, statesmen, spouses and minors of children of officials will not be able to.

Species of Swiss accounts: settlement

The most common option used for domestic purposes, such as purchasing products in supermarkets. Registration of a consolment account is available to non-residents of the country, permanently residing or employed in Switzerland, as well as travelers. Customers have more than 300 banks and 3000 branches.

1. Three Financial Giants: UBS AG, Credit Suisse Group Raiffeisen GROUPengaged in the opening of standard bank accounts to constant residents of travelers.
2. 24 Cantonal Bank submitting to certain administrative division units (Recall, in total in Switzerland 26 cantons). If a resident moves to another subject of the federation, he is forced to translate an account to a new canton. Bank accounts open in the official currency, the translation and removal of cash in the euro is impossible.
3. 13 private banks.

Deposit

Deposit programs of Switzerland banks are distinguished by minimal limitations, allowing the private person to open an account in euros, dollars and francs. When opening an account in a foreign bank, the fee is not charged. And the content costs 100 to 500 francs annually. The cost of additional banking operations (extracts, transfers) is established by banks individually.

Deposit dividends are approximate to zero:

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

The minority rate of refinancing (-0.25 ... -1.25%) was established by the Switzerland central bank. A negative percentage means that companies containing correspondent accounts must annually deduct 0.75% of the amount exceeding the established limit. The new law does not affect the deposits less than 10 million francs, as well as the investment of banks below a 20-fold size from the minimum allowable reserve. The installed refinancing rate reduces income from savings accounts, forcing bank money to work on the country's economy. As the press service of the Central Bank of Switzerland explained, this measure is a fine for saving liquid funds (they should not lie "dead cargo").

An additional factor that influenced the reducing rates was the rise in price of the Swiss franc. The government is forced to establish negative rates on deposits in CHF currency. On dollar and euro accounts, zero or positive rates are preserved. However, depositors make a bet on the stability and reliability of francs that allow saving accumulations.

Investment

In Switzerland, investment funds work, trusts offering a wide selection of tools for increasing capital. The most favorable conditions of investment accounts are provided by private companies placing on deposits of more than 250,000 euros, large bankers require less, but the result is lower.

Anonymous account is a tool that ensures the confidentiality of bank transactions and accommodated amounts. The identification of the deposit owner is held by numerical value, the rest of the information is hidden. The adopted measure before allowed to hide the identity of the client from state bodies (especially the tax service). With increasing requirements for financiality, anonymous accounts are rare and costs expensive.

Banking mystery

Earlier, Switzerland hid information about depositors from government agencies than caused pressure from the United States, Germany, France, Great Britain. In 2015, the Government of the Altai Territory made edits into legislation prohibiting the transfer of information to the tax authorities within the state, but allowing automatic exchange with the United States within the FATXA.

Instructions for opening an account in the Swiss bank

To accommodate capital in a foreign bank, a potential investor resorts to the services of a subsidiary (issuer, representative office, branch). If an interested financial organization is not working on the territory of the Russian Federation, you will have to directly or choose a legal company that performs the functions of the mediator between the depositor and the banker. The cost of services will be 500-1000 dollars.

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

• passport;
• passports citizen of the Russian Federation;
• confirmation of income, such as real estate contract, an extract for cash withdrawal in another bank, receipt of money from the sale of securities.

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

Also, prepare documentation on education, professional activities, salary, family composition. It is advisable to receive recommendations from acquaintances that are clients of Swiss banks. Personal information is transferred to the company manager responsible for disclosing bank secrecy.

Collecting documents, and transferring information to the Bank to the representative of the Bank, it remains to wait for letters from Switzerland confirming the successful paperwork. The procedure for consideration of securities and decision makeup takes 1-30 days. In a letter confirming about opening an account, its details are provided. To fully activate the account, you must be transferred to a deposit amount exceeding the size of the limit.

The minimum deposit amount for non-residents of Switzerland is 10 000-2 000 000 €, the abnormal residue of 1,000-2,000,000 €. There are no restrictions on foreigners living in the country or staying periodically during work purposes.

Remote opening an account online

Within Due Diligence. (Procedures for drawing up an objective view of an object of investment), Swiss bankers carry out a mandatory audit of the individual's identity, guided by the identity document.

Open a deposit on the territory of a foreign state through remote access channels (Internet, mail, telephone, email or fax) is impossible. However, the Bank has the right to adopt an electronic application to be re-processing as the personality confirm with the passport and identification card. If there is a representative office in Russia, a branch or subsidiary of the selected company, the identity card is carried out on the spot. Otherwise, confirmation of the procedure on the bank is required. Foreign financiers also check the accuracy of the address of the new client by registered letter or requirement to provide deposits for utility bills.

Providing reports in the FTS

For one month from the date of opening a foreign account, you need to send a written notice to the district department of the Federal Tax Service Federal District. Next, in the personal account of the taxpayer, the client forms a report on the movement of money for the previous period (quarter, year). According to the information of the Moscow Inspectorate No. 13, foreign account holders should provide notarized account statements in the FTS, the most convenient way: by registered letter or personal presentation of the client.

Information for filling out the report:

1. FULL NAME, INN WORKER OF THE COUNTER, Birthday, Client Accommodation address, Passport details.
2. Name of the Swiss organization (Latin letters), bik or SWIFT Code Bank.
3. Switzerland code (use the "All-Russian Classifier of the World Words").
4. Open Deposit / Map.
5. Account code account corresponding to "OKV".
6. Co-owners of the deposit (if available).
7. The amount at the beginning and end of the year, the size of the arrival and expenditure operations.

Note! Rare foreign companies will provide the possibility of transfers. The Swiss account is usually discovering to manage and preserve capital. Representatives of the Alpine countries prefer to keep confidentiality, the smaller the money movement, the better.

It is also important to take into account restrictions on replenishment of foreign accounts within the framework of currency regulation of the Russian Federation. Permissible income articles include wages, testaments, dividends, coupon returns, rent from rental.

The size of taxes and fines

Making a deposit at the Swiss Bank, the Russian citizen is required to notify the FTS on the opening, closing, change of details and the movement of money (FZ No. 173 of 28.06.2014). Income on foreign bank accounts is subject to a single tax rate - 13%. Russians permanently residing outside the Russian Federation pay taxes at the place of stay, where the rate of the rate is determined by the state policy. Calculations are carried out in the ruble currency.

In violation of legislation, the client threatens fines:

Sanctions for late submission of notification

How to open an account in the Swiss Bank: Step

About how to open an account in the Swiss Bank - we offer step-by-step instructions: Types of accounts, what documents are needed, asked questions and misconceptions of people.

How to open an account in the Swiss bank, interests many.

After all, each at least once heard the mention in films that it is in Switzerland that it is worth keeping blood.

In this case, absolutely not experiencing about their preservation.

In real life, everything is not so simple.

Nevertheless, knowing the features of the Swiss banking system and the registration procedure is worth everyone who wants to open an account in a reliable bank.

Who can open an account in the Swiss bank?

Available it really to everyone.

But still, certain reasons for which representatives of the bank may refuse, really exist. For example:

Swiss banks carefully follow the reputation.

No wonder, after all, they deserved the title of the most reliable banking system for the whole world!

Because if the contributor is involved in any political scandal, it can refuse to be maintained.

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

If representatives of the bank have doubts that they are honest, most likely they will not be dealing with you.

In addition to the previous item: If there is reason to believe or even evidence that the money is stolen, the Swiss bank will refuse to open an account.

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

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

Of course, this is not.

There are more than 300 banks in the country.

What is worth knowing to choose the one with whom to cooperate?

Ubsag and Creditsuissegroup - a choice for those who appreciate stability.

These banks are considered the best in the field.

They are the largest, therefore give more guarantees.

Analogue of regions in Switzerland is called cantons (only 26 pieces).

There are 24 cantonal banks in the country.

Everyone is tied to a specific area and is valid for its legislation.

These are private banks, recognized as the oldest financial organizations of the system.

In total there are 13 countries.

They focus on working on customer deposit management.

While ordinary banks pay more attention to loans and deposits.

What account can be discovered in the Swiss bank?

• personal - allows you to use any bank services and personal funds to the account;
• savings - recognize a particularly safe account option, and is used for conventional accumulation and accrual interest on the deposit amount;
• investment - It is worth opening those who are engaged in investing and buying securities.

Is it possible to open an account using the Internet?

Alone to open an account in the bank with the help of the Internet will not work.

At least due to safety policies.

To become a bank client, you need to define a person to identify.

And the Internet does not give 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 personify the client in absentia.

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

You can transfer documents for the purpose through intermediaries: a branch of a banking institution, representation, financial specialist, consul, notary.

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

How can I open an account while in your country?

For remote discovery, as mentioned above, it will be necessary to confirm the identity with the help of an official document (passport, driver's license).

It is not necessary to hope that you will not be treated so strictly and act will be easier only because you are a resident of another country.

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

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

If there is nothing of the above in your country, and you want to open an account specifically in a specific chosen bank, you will have to contact there directly.

At the same time, consider that for each specific financial organization there will be its own account registration system, the rules for its use and the minimum amount for a fee.

What documents are needed in 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 reliability, the bank is also interested in the fate of money that you will put on the account.

So it is worth being ready that you will need documents that will indicate the source of money.

For example, a real estate transaction agreement, data about the sale of shares or other securities, a certificate of receipt of your inheritance.

In addition to confirmation of the person directly, the bank will require documents with another basic information: date of birth, employment, contacts, data on the place of residence.

A specific list of necessary documents is different for each individual bank.

One thing can be said for sure: all the documents provided will need to assure.

Any notary from your city of residence is able to act as a assistant.

What questions can ask in the Swiss bank?

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

In this case, they can be more "deep" than the usual questions from the state banks of your country.

Nevertheless, it is not worth perceive too seriously.

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

Among the questions asked:

1. Do you open a deposit for yourself?
2. How did the money come to you that you plan to put in the bank?
3. How do you describe the current monetary situation?
4. What business do you do?
5. Have you come across problems when transferring money?

Is it possible to open an anonymous account in Switzerland?

One of the constant accompanying cinematic accounts in Switzerland banks is their, allegedly, complete anonymity.

However, any more or less legally pitched man understands that it is impossible.

It is realistic to become a client, only confirming the identity. And this is already contrary to the concept of anonymity.

Nevertheless, there is a close concept - a number depository account.

Its essence lies in the fact that in addition to the "opening" of his person a person, in the future you will not have to advertise.

Instead of using the name, any operations with your money will occur under the "title" from the personal assigned number.

It is, in its kind, the maximum anonymity.

But there is an underwater stone.

You should not use the deposit number of international translations.
After all, when you commit this operation, you must name personal information.

Is it safe to open accounts in Swiss banks?

Where did rumors about the absolute reliability and security of Swiss banks?

The fact is that any such organization in Sweden is mandatory undergoing licensing procedure.

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

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

This is already a high quality indicator.

But for Switzerland, these rules and requirements are tightened twice - due to the categorical of legislation.

It is because to use banks in this country - it means to entrust the money to the most reliable storage.

What other advantages are in the choice of Schden Bank,

look in the video:

Popular delusions about Swiss banks

With some misconceptions, we figured out, but a few more left.

Consider the most popular:

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

The issue of reliability was considered above.

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

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

But for the dollar, the digit is completely sad - 6-8%.

For many, it becomes an unpleasant surprise, the presence of such an unusual Russian person, as the "unsigned residue".

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

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

Information about the depositor can 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 on the inhabitants of this country.

How to open an account in the bank It is still better to learn in a specific chosen organization.

After all, each has its own characteristics and requirements.

Is it possible to discover the Russian citizen in the Swiss bank and how to do it?

Greetings! I am sure: it is necessary to put life goals for yourself exclusively large-scale and ambitious. By the way, many psychologists argue that it is only possible to achieve a real success!

Therefore, today I will tell you how to open an account in the Swiss bank to a citizen of Russia. Agree, such a goal certainly falls under the definition of "large-scale and ambitious".

Imagine on a second that you do not know where to attach extra 500,000 dollars. And the first thing that comes to the head is a reliable Swiss bank!

Questions and answers

Is it possible to open a Russian Russian?

It is possible, but the procedure will differ from the one that is intended for the citizens of Switzerland (or Russians who have a residence permit in the country of "banks and chocolate").

At a minimum, you will need to prove the source of capital. Well, of course, the identity of the client representatives of the Swiss credit institution will check out almost under the microscope.
Are there any restrictions on the minimum deposit amount?

Individuals living outside Switzerland (including Russians) can discover the contribution here with a sum from 300,000 to 500,000 Swiss francs. For reference: November 19, 2015, the CHF / RUB course was 63.8 rubles.

By the way, because of the crisis in Russia, almost all of them raised the minimum amount of "entrance" for our compatriots.

Is it possible to open the contribution in remote mode?

Many Swiss banks have the opportunity to place an account via the Internet, fax or telephone. However, the physical face will still have to provide the originals of all documents to the office. The easiest way to do this personally (you have to go to Switzerland) or through Russian intermediaries (meeting with a representative within Russia).

What documents will be needed to open an account?

First, abroad passport, identification card or another official identity document.

Secondly, a document on the origin of money that is entered into account. The amount for the opening of the account is considerable, so the certificate of income of 30,000 rubles is not "rolling" here.

Ideal option: legal business, inheritance or capital from real estate sales.

What currency can be the account?

In the National Swiss currency, as well as in euro, US dollars and British pounds. It is said that soon it will be possible to make a contribution to Chinese yuan.
Are deposits protected in Switzerland banking secrets?

Such a concept as a bank secrecy is fixed here at the legislative level. And the former, and real employees of Swiss banks are criminalized for disclosing confidential information about their clients!

By the way, to citizens of the countries of the former USSR, the attitude of exactly the same as to customers from other countries.

Why are they considered such reliable?

"Reliably, as in the Swiss Bank" is not just a winged expression. The fact is that it is in Switzerland that the stability of the banking system is very strictly protected by law.
After the reforms carried out, the country ranks first in the world according to the requirements for the size of its own reserves of large financial institutions. It may be, it is because of this, the country almost painlessly survived the last financial crisis (unlike their colleagues from the US and Europe).

Guarantees of capital preservation Banks of Switzerland offer a lot. For example, cash, securities and precious metals, which are stored in safes, remain owned by bankruptcy owners. And they are returned to them on the first demand!

How to discover the contribution to the Swiss bank in Russia?

I do not know how in other cities, but in Moscow there are already a mediators who help bankers from Switzerland and large investors-Russians find each other.

• Organize meetings with Swiss bankers in Russia
• Help arrange all the necessary documents
• Advise customers on investment and financial planning
• Open accounts in Swiss banks and promote a platinum card or mortgage for the purchase of real estate in Switzerland

It is clear that this intermediation will have to pay and a lot. The procedure for opening a deposit through an intermediary in Russia looks like this:

1. You are sending an intermediary a letter with a request for information about its partner banks (for example, Syz Co, Bank de Commerce AT de Placement or SRNER). When choosing a bank, we take into account its reliability rating, the level of capital adequacy, interest rate and service rates.
2. Send an intermediary a brief info about yourself. The most important point is to confirm the legality of the origin of funds. You will need copies of real estate sales contracts, tax returns, discharge from a bank account.
3. Contract the meeting with a private Swiss banker in Russia, if it is not possible to personally visit the institution in Switzerland.
4. If everything is ok, you get a confirmation letter to open an account with details. After that, the money in Switzerland needs to be translated through one of the Russian banks (the requirement of our legislation). In addition, you must notify the local tax inspectorate about opening an account.
5. After crediting money, you can only form an investment package (buy promotions, funds, precious metals) or just leave money on the account under the minimum percent.

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How to open an account in the Swiss Bank for Individuals

Surely many of our fellow citizens believe that the open account in the Swiss bank can exclusively wealthy people. Of course, of course, it is true, because in order to use the services of foreign credit institutions, it is necessary to meet some requirements, but nevertheless, they are quite fulfilled even for the average Russian. True, the procedure has some features, therefore it is worth considering how to open an account in the Swiss bank to a citizen of Russia, this will go further.

Is it possible to open an account in the Swiss bank

The banks of Switzerland had to hear for sure to everyone especially often this topic rises in artistic films, mainly the situation concerns wealthy people who try to save their savings to the most reliably as possible. But in reality, open an account in the Swiss bank for individuals will not be much difficult if it will know all the subtleties of this process. First of all, we will analyze the main points:

1. For Swiss banks in the first place there is their reputation, because it is famous around the world with its high reliability and collect funds in their accounts literally from around the world. Therefore, they have a special requirement for the client, he carefully checks each client if it is increasing in any political scandal or criminal activity, then the service will be denied.
2. In order to open an account in the Swiss bank, absolutely every client, regardless of his social status and financial position, should document the source of origin of funds.
3. If the client cannot confirm the source of his income, or its official wage does not allow him to have such savings, then in service it will also be denied.

In general, before opening an account in the Swiss bank, a physical face from Russia, he must clearly understand what to do this is possible only if his money is earned by honest labor, he can confirm the source of earnings. And finally, there are other features and nuances that must be considered.

Choosing a bank

It should not be assumed that when it comes to the Swiss bank, then one large organization immediately appears, in fact it is far from that. In Switzerland, about 300 commercial organizations are currently running. Therefore, as elsewhere, the client arises the task of choosing a proper financial partner, and you should not forget that the choice will largely depend on your goal, that is, it is either going to store your savings or earn it. However, we give a list of the most popular banks in Switzerland:

1. Ubsag and Creditsuissegroup are Switzerland's most reliable credit institutions that are key to state economy.
2. Cantonal banks are credit institutions that are tied to a certain area and operates solely on its legislation, in total in Switzerland of such banks 24.
3. Finally, the most experienced financial institutions are private banks of all of them in Switzerland 13, they are focused on attracting deposits and open accounts, since everyone else, mainly specializing in lending.

Important! The largest assets in Switzerland is Credit Suisse AG Bank, it was founded back in 1856, he ranked first among other financial institutions.

How to open an account in the Swiss bank

So, back to the main issue, how to open an account in the Swiss bank to a citizen of Russia. After you have chosen the bank, the coordinates of contacts and other information have learned. By the way, for this, it is absolutely not necessary to go to Switzerland, because all information about banks is posted on the Internet, so you can familiarize yourself with it without leaving your home. At the next stage, you need to decide which account you would like to open, here you have three options:

• facial account - it allows its owner to manage funds at any time convenient for it;
• the cumulative account or contribution allows you to securely save your capital and get profit from it;
• investment account is, in fact, trust management, that is, you trust our own funds to the credit institution, and it, in turn, invests money into profitable projects.

Surely many customers will be interested in the question whether it is possible to open an account remotely, that is, through the Internet, because in our country in commercial banks this practice is applied. In part, it is so, but in any case, at least once you have to attend financial institutions to identify the person and sign the contract. But, nevertheless, you don't have to go to Switzerland if you wish to use the services of a commercial bank, because all documents can be sent by mail.

Please note that it is impossible to open an account remotely via the Internet in any commercial bank if you have entered such a proposal, then be sure that this is a fraud.

How to open an account in a foreign bank to a private individual, the question is strictly individual, that is, you can only get advice from the representative of the bank that will explain all the possibilities in opening an account. What is it about? Some credit institutions have their representative offices abroad, in particular, in Russia, that is, perhaps the bank you have chosen have a branch or a subsidiary in Russia, then your task will be as simplified as much as possible, because you can pass the identification procedure at home.

Otherwise, the question will be discussed individually, you may be able to send documents notarized and translated into German, because it is he who is official in Switzerland. Here you will have to spend a certain time for collecting and transferring documents.

By the way, from documents from individuals will necessarily need:

• documents confirming the identity of the applicant, for citizens of Russia it is a passport;
• a document confirming your income or another source of receipt of money, for example, if they were obtained from any transactions, then agreements need;
• among other documents: registration confirmation, help from the place of work, contact details.

Important! Each copy of documents should be assured by the notary, and if it is necessary to translate into German.

By the way, it is impossible not to say that the employees of Swiss banks are extremely responsible to their work, and necessarily check each client, in this regard, they can ask questions that the client of our bank never had to hear. For example, you may ask how you characterize your financial situation, or what business you do, for what purpose you invest money in the bank and others. It is not necessary to scare this approach to opening an account, for representatives of the financial institutions of Switzerland, they are united.

As for the maintenance conditions for deposit accounts, then the question is strictly individual, as a rule, in each of the commercial institution there are some features, for example, the minimum amount necessary to open an account will hardly be less than 5,000 euros. But as for profitability, it does not have to count on the high income if you discover the contribution, then interest rates range from 0.01 to 1.5% per year.

Security issue

The only goal that the owners of Swiss accounts usually persecute is anonymity and security. By the way, in spite of all expectations, the bank account cannot be anonymous, for the simple reason that it will require identification of personality to discover, and it means that it is no longer an anonymous.

As for the safety precisely, here customers can be confident that no more than the Swiss savings savings savings. The whole thing is that each credit organization operates on the basis of a license, all Swiss banks meet the highest quality standards, and the Basel Commission constantly checks them. That is, each bank is checked for liquidity.

In fact, the banks of Switzerland deserve attention due to the fact that they are valid on the basis of harsh requirements established at the legislative level. But if you expect to make a profit under a deposit in the Swiss bank, then you should not count on an ultrahigh percentage. By the way, the annual rate will largely depend on the currency chosen by you, for example, the percentage is set to dollar bills lower than on deposits in euros.

Please note that all cooperation conditions for Russians will largely depend on the chosen credit organization, so the conditions and requirements should be clarified in the credit institution.

If you summarize, in the bank of Switzerland, a citizen of Russia can keep money, and the conditions and requirements here are quite acceptable. The only thing that should be remembered is that there are high requirements for customers, therefore it is worth carefully treating documents and the method of their transfer. By the way, individuals who opened accounts in foreign banks must notify the tax inspectorate, otherwise they face a fine.

Contribution to the Swiss Bank

Bank deposit in our time is a popular service. After all, he not only allows the accumulation of money, but also to increase his means.

At the same time, the deposit can be discovered not only in Russian, but also in a reliable Swiss bank. It offers primarily stability to preserve deposits.

Basic information

To begin with, to make an account in the Swiss financial institution, it is worth examining such aspects:

• can you, as a citizen, not always arrive on the territory of Switzerland, arrange an account in the Swiss bank;
• can you make an account in Switzerland to pay spending on real estate;
• how much will continue to issue an account in the Swiss financial institution;
• do you need to make any finance amount to the account? If so, then what volumes of this contribution;
• is there any possibility of making an account in a Swiss financial institution through the Internet, mail, cellular, email or fax;
• do you have documents in stock, which may require a financial institution when making an account in the Swiss Financial Institution;
• will the opportunity to make an account in the bank of Switzerland in foreign currency - euro or dollars;
• whether the confidentiality of the account is met in the financial institution of Switzerland;
• what is the guarantee of the savings of funds in the account in the Swiss financial institution;
• will a way to use a credit card, which is associated with the account design;
• what is the price for the provision of accounts for billing in the Swiss financial institution;
• whether to pay profits on the amount of the contribution;
• will you be able to close the account in the Swiss financial institution when it is convenient for you.

What it is

The deposit is the process of transferring the depositor to the bank to the Bank at interest with their return after a certain time or at the request of the client.

By investing money in the bank, you start receiving profit from them. The National Bank of Switzerland is the Central Financial Organization of Switzerland.

Contact information (official website)

When knowledge of a foreign language, you can log in the official website of the National Bank of Switzerland https://www.snb.ch, and get acquainted with the information.

Also for billing, you can use the services of financial organizations:

• UBS AG (UNION BANK OF SWITZERLAND);
• Credit Suisse Group;
• RAIFFEISEN GROUP.

Regulatory regulation

Financial institutions of Switzerland conduct their activities under the regulatory documentation, namely:

According to Switzerland's legislation, there are sleeping bills in banks, deposits are considered such that the correspondence has ceased to reach the addressee, and if the bank learned about the death of the depositor.

How to make a contribution to the Swiss Bank

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

According to the legislation of Switzerland, prescribing "due verification", the financial organization is obliged to check the individual of an individual on the official document.

If the Swiss financial institution has interested in you, has a subsidiary, a branch or representation in the territory where you live, then you can pass this check.

If the financial institution is not represented, then it is necessary to personally establish contact with the financial organization in Switzerland or establish contact with the financial organization - an intermediary so that they will help arrange an audience with Swiss bankers for you and deliver all the necessary additional information to you.

All the necessary information as an account in the Swiss financial institution should be recognized by intermediaries who provide such services or contact the Swiss financial institution directly.

What conditions are offered

The conditions that financial institution provides:

• method of issuing an account in Swiss francs (CHF), Euro (EUR), dollars (USD), British pound Sterling (GBP) and in yuan;
• responsible storage of account information information;
• reliable storage of finance;
• the advantage of using a credit card, which is associated with the registration of the account;
• payment of profits in terms of the amount of payment;
• ability to close the account on request.

Required documents

For registration of a deposit account in the Bank of Switzerland, a passport will be required, identification card or other document establishing a person.

Moreover, the Bank has the right to demand a revenue source document. It may be a certificate from the place of work, or from the tax service.

Also, a banking organization may request documents on the origin of funds - the contract for the sale of values, real estate, etc.

In addition, the bank checks whether the money made paid by the tax. Banks are trying 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 indicating that from year to year credit structures show more strict requests to the composition of the package of documents.

Is it possible to arrange via the Internet

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

1. To register on the Bank's webpage and receive documents for checking the account.
2. Fill out the agreement and sign it, after sending it to the bank's office in Geneva. Along with the agreement, you need to send certified copies of documents.
3. Make money and get a login and password.

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

About the deposits in the bank connected, read here.

How much is the service costs

Open an account in the Switzerland bank you can be free. But its service, banking operations, correspondence require payment.

The size of collecting the Bank establishes itself, there is a significant difference between different banks. Alas, in some cases the cost of service may exceed the amount of expected interest.