Banking solutions

Selecting the right account

Whether you want to transfer, invest or save money, at VZ you will find the right account for your banking transactions at a low price.

• Private account: the basic account is ideal for salary payments, card transactions and payments
• Savings account: the right account for helping you meet your medium- to long-term savings goals
• Investment account: the settlement account for your securities account, investment consultancy and portfolio management mandates
• Current account: the account for processing your stock exchange order and, if required, your payment transactions

VZ Banking Package (PDF)
Private Client Accounts (PDF)

Protecting your deposits

Your deposits at VZ Depository Bank are protected up to a maximum amount of CHF 100,000 per customer. Deposits also include medium-term notes held in the name of the depositor at the issuing bank. In Switzerland, depositor protection is provided by esisuisse. 

VZ Banking Package (PDF)

Conveniently order cash

Customers with an account at VZ Depository Bank can conveniently have cash in the required currency delivered to their home by mail. Call us on 058 411 88 88 to let us know the amount and currency you require, and you will receive your order within two working days.

• Choose from 60 different foreign currencies from across the world
• You can order a maximum amount of CHF 20,000
• Only bank notes can be sent (not coins)
• Delivery is within Switzerland
• Delivery times: Orders received by 12 noon on 058 411 88 88 will usually be delivered within two working days.

VZ Banking Package (PDF)

VZ Financial Portal: secure and transparent via e-banking

In the VZ Financial Portal, you can easily, conveniently and securely enter and manage your payments on your computer, tablet or phone. The online scanner helps you enter your payments. If the biller is registered with eBill, you can receive, check and directly pay all your invoices directly in e-banking.

Do you already use the e-banking solution VZ Financial Portal? Find out more here.

Fees for payment transactions

VZ Depository Bank processes payment orders free of charge for its clients. Please note, however, that for domestic payments in foreign currency and for foreign payments (except SEPA payments) third-party fees may apply. Such charges will be passed on to the client.

SEPA payments in euros are free of charge

Payments in euros can be made easily and free of charge in over 30 countries using this payment method. SEPA payments are very secure because uniform standards apply to all financial institutions. The payment is credited to the beneficiary's account on the following bank working day at the latest, and there are no deductions for third-party banks.

Requirements for SEPA payments

• Payment in Euro
• The beneficiary country is a SEPA participant and the beneficiary's financial institution accepts SEPA payments
• Indication of the IBAN of the beneficiary
• Specification of the BIC (SWIFT address) of the recipient bank
• Shared fees (the beneficiary bears any fees of his bank)
• No messages are written in the payment order

If your payment meets all these requirements, VZ Depository Bank will automatically process it as a SEPA payment. If one or more conditions are not met, fees may be charged to you by the recipient bank or third-party banks.

VZ Banking Package (PDF)

eBill: easy online payments

With eBill, you receive and pay your bills in your e-banking easily and in a paperless fashion. eBill is:

• Easy: you no longer have to spend time typing or scanning payment details
• Secure: only trustworthy bills will be sent to you
• Fast: you approve bills with just a few mouse clicks
• Paperless: since paper bills are no longer required, you help protect the environment

VZ Banking Package (PDF)

Direct debits and standing orders

LSV+ direct debits are ideal for automatically recurring payments. In contrast to standing orders, you grant the person sending the bill authorisation to debit your account. This means the financial institution of the billing party can book the amount they are owed directly from your account at the agreed frequency. You are able to contest any debits within a period of 30 days. You can of course withdraw the authorisation to debit your account at any time.

For recurring payments with the same amount, recipient and frequency, the best option is a standing order or to use eBill.

VZ Banking Package (PDF)

Written payment orders

Use VZ’s multi-payment order to make a payment within Switzerland using a payment slip. To order multi-payment orders, simply call your advisor on 058 411 88 88 or send us an order by mail.

Security note: your payment orders should not be stored in a "normal" mailbox wherever possible. We recommend you put the envelope in a mailbox at a post office or hand it over at the counter. Your advisor will also happily accept any payment orders.

VZ Banking Package (PDF)

QR invoices: simply scan and release the invoice

Paying bills is even easier with QR invoices: all the payment information is contained in the QR code. Simply scan the code, release the invoice, done.
Following a transitional period, the current red and orange payment slips will be replaced.

What you should know about paying QR invoices
What billers should know
VZ Banking Package (PDF)

VZ Financial Portal: all your account information at a glance

All cash and securities account managed by VZ are listed clearly in the VZ Financial Portal. You can access your account balances and movements at all times.

Do you already use the e-banking solution VZ Financial Portal? Find out more here.

Register here
Login Financial Portal

VZ Debit Mastercard

The VZ Debit Mastercard offers you all the functions you need in a single card and can be used day in, day out: no matter where you are in the world, you can withdraw money from ATMs or pay for your purchases in shops or online. The Debit Mastercard is secure, convenient and universally accepted.

Order your Debit Mastercard and take advantage of the following benefits:

• You can use the card wherever you see the Mastercard logo to withdraw cash or make cashless/contactless payments.
• Purchases over the internet, in app stores or online reservations, for example hotels or car rentals, are all possible.
• Use Apple Pay, Samsung Pay or Google Pay to easily make secure, contactless payments without having to enter a PIN on the terminal or via your mobile wallet.
• You can also save your card details for subscription services such as Spotify or Netflix.
• Individual country settings (geoblocking) mean that you can use your card securely anywhere in the world.
• As your account is debited directly whenever you use the card, you can always keep an eye on what you are spending.

Factsheet VZ Debit Mastercard (PDF)
Terms and conditions of use for VZ Debit Mastercard (PDF)

If your VZ Debit Mastercard is lost or stolen, you must have it blocked immediately by calling the emergency number 058 411 82 82.

Order your Debit Mastercard now

VZ Visa Classic

With the VZ Visa Classic credit card, you can conveniently and easily make cashless payments. You are welcome in over 30 million shops, restaurants, hotels and filling stations and can withdraw cash in the local currency from almost all ATMs.

• Additional/partner cards: depending on your needs, you can choose from a Visa Classic card or Visa Gold card. You can also get a partner card for a close friend or relative at a low cost, which allows them to benefit from the advantages of the VZ Visa Classic credit card.
• Security: with its integrated chip, the VZ Visa Classic credit card meets all the latest security standards.
• Travel and flight/accident insurance: when travelling by public transport, you are automatically insured free of charge. The insurance cover is valid when you pay for at least 80% of your journey using your VZ Visa Classic credit card.

Factsheet VZ Visa Classic (PDF)

In the event of loss or theft, you can call the TopCard Customer Service Centre. 24 hours a day, 365 days a year. You only pay the local telephone charges.

VZ Visa Gold

With the VZ Visa Gold credit card, you can conveniently and easily make cashless payments. You are welcome in over 30 million shops, restaurants, hotels and filling stations worldwide. In addition to the benefits offered by the VZ Visa Classic credit card, the VZ Visa Gold credit card enables you to enjoy a wide range of extra perks:

• Worldwide: make cashless payments and withdraw cash
• Practical: useful additional services included
• Relaxing: access to airport lounges
• Proven: free-of-charge 24-hour customer service
• Secure: latest chip technology

Factsheet VZ Visa Gold (PDF)

For any questions, in cases of emergency and to block your card, contact the TopCard Customer Service Centre. 24 hours a day, 365 days a year. You only pay the local telephone charges.

VZ card offering

Are you already a customer of VZ? Then ask about our special conditions. For a fee of 50 francs in the first year and 100 francs per year thereafter, you get a VZ Visa Classic with attractive additional perks. You also get a VZ Debit Mastercard and a fee-free private account free of charge.

Here you can monitor the expenses debited to your VZ credit card and the limit currently at your disposal. If you are logging in for the first time, please register here. If you are logging in for the first time, please register here.

VZ Banking Package (PDF)