"Do You Want To Learn HOW-TO Open A Swiss Bank Account Without Having To Go To Switzerland?"....
... Well now you can!!
You are 5 minutes away to discover one of the most guarded secrets of financial gurus. How to keep your money safe in a highly secured Swiss Bank Account
Below is the description of the 2 Swiss bank accounts you will learn how to open.
Swiss Bank Account #1
 This is a multi-currency account which holds CHF (Switzerland Francs), USD (United States Dollar) and EUR (Euros). What this means is that you can deposit different currencies into your account and they will remain in their respective denominations without having to suffer any currency conversion losses. You can also request to have more currency added later, after your account is opened.
No minimum initial deposit is required. You can choose to deposit any amount when opening your account.
No monthly minimum balance is required to maintain your account.
No monthly maintenance charge or service fee.
You can open an individual account or a joint account. (No Business accounts. Sorry for that)
You can easily open an account if your are from Argentina, Australia, Austria, Bahrain, Belgium, Brazil, Brunei Darussalam, Bulgaria, Canada, Canary Islands, Cayman-Islands, Chile, China, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Ecuador, El Salvador, Finland, France, French Antilles, French Guyana, Germany, Gibraltar, Granada, Greece, Greenland, Guadeloupe, Guernsey, Honduras, Hong Kong, Hungary, Iceland, India, Ireland, Israel, Italy, Japan, Jersey, Korea (South), Kuwait, Lebanon, Liechtenstein, Luxembourg, Malta, Martinique, Mauritius, Mexico, Monaco, Morocco, Netherlands, New Zealand, Norway, Oman, Panama, Peru, Poland, Portugal, Puerto Rico, Qatar, Romania, Russian Fed, San Marino, Saudi Arabia, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, Taiwan, Thailand, Tunisia, Turkey, United Arab Emirates, United Kingdom, United States, Uruguay, Venezuela or Vietnam. If your country is not listed, you can still open your account. You will have to call them to open your account instead of applying online. You can speak English, German, French or Italian with the telephone support staff to open your account.
And yes, online banking is available in English, German, French and Italian.
You can deposit foreign checks by mailing them directly to the bank.
You can get money in and out of your account using wire transfers. Incoming wire transfers are FREE. Outgoing wire transfer will incur a fee of $15 in the currency that was wired, i.e. if you wire in USD, the fee will be USD$15; if you wire in EUR, the fee will be EUR$15. ATM cards and check books are NOT available.
Visa and MasterCard credit cards are available. They are REAL credit cards like in the US or any other country and you can use them for online or offline transactions. You can request any amount to be set as your credit limit. The amount set aside in your account depends on your chosen credit limit. They will block twice the amount of your credit card’s credit limit in cash in your account. If you apply for a credit card with a credit limit of USD 1,000, they will block USD 2,000 in cash in your account. There is no need for you to pay your credit card bill manually as the bank will deduct the bill amount directly from your bank account every month.
You need a Notarized Passport Copy. An apostille is not required. To notarize your passport copy, you need to bring your original passport along with your passport copy to the nearest notary public. Notaries public are special lawyers who are given the right to notarize documents so that they can be used internationally. To locate notary public, you can search for them through the yellow pages, Google or you can just ask any lawyer. If you do not have a passport, you can use your government issued identification card. It must be notarized as well. Driving License will not be accepted.
You will receive your welcome kit through FedEx within 2 to 4 weeks of your order! Your account number will be included in the package. What you need to do is to return a notarized passport copy to the bank and your account will be fully activated. Your online banking information will be sent to you after they have received your notarized passport copy.
This bank is a member of the Swiss Banking Association.
Swiss Bank Account #2
You can open your account in all major currencies. Usually, clients open their accounts in CHF (Switzerland Francs), USD (United States Dollar) or EUR (Euros).
Minimum initial deposit of CHF 1,000 (or its equivalent in another currency, ~USD 800).
No monthly minimum balance is required after the account is opened.
No monthly maintenance charge or service fee.
You can open an individual account or a joint account. (For Business accounts, please read p/s at the bottom of this page)
The bank will not accept applicants from Argentina, Albania, Brazil, Columbia, Israel, India, Nigeria, etc. This bank favors applicant from European countries, North America and other more 'developed' countries such as Singapore, Korea and Japan. That's why I put this bank as Swiss Bank #2 and you should focus on opening Swiss Bank #1 on top. If your country is listed in the country list of Swiss bank #1, opening an account is a piece of cake for you.
Online banking is available in English, German, French and Italian.
You can deposit foreign checks by mailing them directly to the bank.
Maestro ATM/Debit cards are available. The fee charged for each withdrawal is CHF 5. In order to receive the card, you will need to place a secured deposit with the bank. The amount of the secured deposit must be double your preferred monthly withdrawal limit. For example, if you want to withdraw a maximum CHF 500 in a month, you will need to place a secured deposit of CHF 1,000. This rule is common among Swiss banks when dealing with foreign customers (customers not from Switzerland). You can also shop offline with your Maestro card and the fee charged is CHF 1.50 per transaction. The card cannot be used online. The application for the card is done after the account has been opened.
Visa and MasterCard credit cards are also available. They are REAL credit cards like in the US or any other country and can be used online and offline. The secured deposit required for a credit card is CHF 10,000. If you make cash withdrawals with your credit card, the fee is 2.5% of the total withdrawal amount (minimum charge is CHF 10). The application of the card is done after your account has been opened.
You only need a photocopy of your Passport. No certification, notarization or apostillization is required for your passport copy. The bank will verify your identity using a special 'Identification Form'. I will explain this in the next section. This will save you a lot of money because getting notarization and apostillization usually costs at least USD 100! And you can't get an apostille that easily, I had to drive for more than 2 hours to reach the government office that issues apostilles. (No Passport = No Bank Account!)
This bank is a member of the Swiss Banking Association.
Swiss Bank Account #3 ?!
There is no Swiss Bank account #3, at least for most of you reading this. However, since it might benefit some of you, I have included it here as well. This Swiss bank account is only available to customers from Italy, Germany, Austria, France or Lichtenstein. No minimum initial deposit is required. Only a notarized and apostilled passport copy is needed.
All Swiss banks need to identify you before they can open an account for you. This section explains the identification process for Swiss Bank Account #2.
Due to Swiss banking regulations, all Swiss banks are required to identify their customers before they can open an account for them. That means they need to 'Know You' before they can open an account for you. Although the regulations do not specify exactly how the customer is to be identified, most Swiss banks will require the customer to send in a notarized passport copy, i.e. Swiss Bank Account #1. Some also require for the passport copy to be apostilled, i.e. Swiss Bank Account #3.
For Swiss bank account #2, they will identify you through the use of a single page identification form. This form will be sent to you by me, you can then print it out yourself. The form will ask you for your personal information. This includes your name, permanent address, date of birth and passport information. After you have filled in the form, you will need to bring it to your local banker. Your local banker will need to look at the information and compare it with your original passport. He will then verify it by putting his signature and his bank’s stamp on it. This completes the 'identification' process which is required by Swiss regulations before the bank is allowed open an account for you.
If for any reason you do no wish to have your identification form verified by your local banker, you can verify it by getting notarization AND apostillization. (Note: Notarization and apostillization on the identification form, not on the passport copy) You must have a Passport to open any Swiss bank account. No passport means no Swiss bank account (there are no exceptions to this rule).
After the completion of your identification form, return it to the bank along with your passport copy. After you account is opened, you will receive your account number. You will then need to wire a minimum initial deposit of CHF 1,000 to them. Once the money has been received, your account will be fully activated and they will proceed to send you your online banking information. You can now start enjoying your Swiss bank account!
FAQ - Opening a Swiss Bank Account
This FAQ is compiled by The Swiss Bankers Association. You can visit Swiss Bankers Association website at www.swissbanking.org
Over the past several hundred years Swiss banks have acquired an excellent reputation for stability, competence, efficiency, and discretion and these qualities have attracted a loyal domestic and international clientele. Every day the Swiss Bankers Association receives inquiries from all over the world from members of the public asking how to open a Swiss bank account. Here we give answers to some of the more common questions:
1. Can anybody open a Swiss bank account?
In principle, any private individual or a company or corporation can open an account at a bank in Switzerland. However, banks reserve the right not to enter into a banking relationship in some circumstances. For example, a bank might refuse to offer banking services to a so-called "politically exposed person" who the bank believes would pose too great a reputational risk if he or she were to become a client. A bank might also refuse to start a banking relationship if it has doubts about the origins of the potential client's funds because Swiss banks are forbidden by law to accept money which they know or must assume stem from crime.
2. Do I physically have to come to Switzerland to open a bank account, or can I open it from my home country?
You do not physically have to come to Switzerland to open an account with a Swiss bank. You can open an account by contacting the bank's representative office in your country (if there is one) or by writing to the bank in Switzerland which will then advise you what to do next. 3. How can I open an account from my home country? First of all it must be understood that Swiss banks have very strict procedures concerning the opening of accounts, no matter whether the potential client is Swiss or foreign. The bank must comply with strict Swiss legal requirements concerning what is known as "due diligence". Amongst other things, the bank must verify the identity of the customer on the basis of a conclusive document. If the Swiss bank you are interested in has a subsidiary, branch or representative office in your country you should make contact with this office and the staff will advise you on the correct procedure. If the bank is not represented in your country, please write directly to the bank in Switzerland stating what sort of account you wish to open and what other banking services you require. Some banks will send an official to meet and identify you and provide you with the necessary forms to fill in. Other banks will send the necessary forms by post along with instructions on how to certify your signature. Again, please check with the bank.
4. Can I open an account via the Internet?
The strict requirements governing the opening of conventional accounts also apply to online Internet accounts. In Switzerland, Internet banks refer to the procedure for opening accounts by correspondence laid down by the Swiss Bankers Association in its Due Diligence Agreement with member banks. The bank verifies the identity of the customer by obtaining confirmation of the domicile indicated through an exchange of correspondence. In addition, for persons resident outside Switzerland the bank requires a notary’s certification or some other official authentication of the customer’s signature. It is therefore not yet possible to complete all account opening formalities exclusively via the Internet. (For more information on this subject please consult the “Frequently Asked Questions” on the website of the Swiss banking regulator www.cfb.admin.ch )
5. What questions will the bank ask me?
The bank will ask for proof of your identity. The bank may also ask you to sign what is known as a “Form A” declaring that you are the beneficial owner of the assets or identifying the beneficial owner if you are depositing funds on behalf of someone else. The bank's staff may also want to know about the origin of the funds and the nature of your professional business and they will also want to get an idea of your usual financial transactions. In order to offer you the best advice, the bank will also ask about your future plans, for example whether you intend to buy a house, start a business, send children to school, retire, etc. If you are asking the bank to manage an investment portfolio they will also want to know how much risk you are willing to accept. In short, the more the bank knows about you, the more suitable will be the advice and service they can give you.
6. What documentation will the bank want to see?
As mentioned above, Swiss banks are obliged to verify the identity of a client. For this reason a bank would very much prefer to meet you face-toface for an initial discussion. The bank will certainly want to see official identification papers such as a valid passport or an equivalent official identification document containing a photograph. The bank may also ask for documentation that can prove the origin of your funds, such as the contract for a house sale, a statement from a foreign bank, a receipt from the sale of securities, etc. In the course of the banking relationship the bank may also ask to see documentation connected with specific transactions.
7. Can I open an "anonymous" account?
No. There is no such thing as an "anonymous" account in Switzerland. By Swiss law, the bank must know who you are. Anonymous accounts at Swiss banks exist only in the imagination of thriller writers!
8. What about "numbered" accounts?
The procedure for opening a “numbered” account is exactly the same as for any other type of account. The bank must verify your identity and establish the identity of the beneficial owner. With a “numbered” account your business at the bank is carried out not under your name but under a number or code. This is simply an internal security measure to restrict knowledge of the customer's identity to a small group of employees and apart from this a “numbered” account enjoys no additional privileges in terms of confidentiality.
9. Is there a minimum opening deposit?
Most Swiss high-street banks do not require a minimum deposit for an ordinary current or savings account. However, some of the private bankers and other banks offering private banking services (such as portfolio management) do require a minimum deposit. The bank itself will tell you about this.
10. Does the account have to be in Swiss francs?
Many banks offer accounts in US dollars, euros and other currencies besides the Swiss franc, but please check with the bank first.
11. How much interest will the bank pay on my money?
The amount of interest you receive will depend on market conditions governing interest rates in general and the type of account you have at the bank. Please do not forget that any Swiss-domiciled entity paying interest or dividends is legally obliged to deduct withholding tax at 35%. This can be claimed back if your country has a double taxation agreement with Switzerland.
12. What fees will the bank charge?
Fees will vary according to the bank, the account and the type of banking relationship you establish. Please check with the bank.
13. Can the Swiss Bankers Association recommend any particular bank?
The Swiss Bankers Association is the professional body representing the interests of the Swiss banking industry as a whole. We have several hundred member banks and it is not our policy to recommend any particular bank nor to act as intermediary for any potential client or business transaction.
14. How “secret” are Swiss banks?
In Switzerland we have traditionally had great respect for an individual’s privacy, and this has always included financial privacy. Surveys consistently show that the vast majority of the Swiss people want to maintain this privacy. However, the high level of confidentiality Swiss banks offer both their domestic and foreign customers is not absolute and certainly does not shield criminals. The rights to privacy can be suspended when a criminal investigation is underway, and Switzerland extends international legal assistance in cases where the crime in question is punishable under Swiss law. Our aim is to protect the privacy of the honest bank customer while exposing criminals to the full force of the law.
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