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

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. 

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 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.

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

Would you like to find out more about eBill?

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.

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.

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 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 all the functions of a Maestro card and much else besides. Whether you wish to withdraw money from an ATM anywhere in the world or make purchases in a shop, online or via mobile payment, the VZ Debit Mastercard will accompany you throughout your everyday life, and you’ll have full control over your spending at all times. VZ clients can use the VZ Debit Mastercard free of charge.

Order the VZ Debit Mastercard and benefit from these advantages:

• You can use Apple Pay, Samsung Pay or Google Pay to make contactless payments securely and easily without entering a PIN at the terminal or via your mobile wallet.
• Individual country settings (geoblocking) allow you to use your card securely worldwide.
• The 3-D Secure procedure enables you to use your card securely on the internet. Register for this in the debiX+ app. More on the debiX app
• Your account will be debited directly. This gives you full control over your expenses at all times.

As a VZ client, you can use our card services in the VZ Financial Portal. You can do the following online at any time:

• Block your card
• Order a replacement card
• Order a new PIN free of charge
• Adjust your spending limit
• Adjust the geoblocking so that your card can only be used in certain countries or regions

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

Our customer service is available to deal with questions, emergency situations and card blocking requests around the clock, 365 days a year. You pay the normal telephone charges.

Order VZ Debit Mastercard

VZ Credit Card Visa Classic

With the VZ Visa Classic, you can make cashless payments conveniently worldwide. The credit card is welcome in over 43 million shops, restaurants, hotels, petrol stations and online stores.

• Worldwide: cashless payments and cash withdrawals at most ATMs in the respective local currency
• Insured: comprehensive protection in everyday life and when travelling
• Attractive bonus programme: collect Surprize points with every payment, which you can redeem for attractive rewards

Factsheet VZ Visa Classic (PDF)

Viseca’s customer service is available to deal with questions, emergency situations and card blocking requests around the clock, 365 days a year.

Order VZ Credit Card Visa Classic

VZ Credit Card Visa Gold

With the VZ Visa Gold, you can make cashless payments conveniently worldwide. The credit card is welcome in over 43 million shops, restaurants, hotels, petrol stations and online stores. You also benefit from extensive advantages:

• Protected: attractive insurance benefits for everyday life and when travelling
• Worldwide: cashless payments and cash withdrawals
• Flexible: invoice by payment slip or direct debit
• Proven: worldwide 24-hour customer service in the event of loss, theft or misuse
• Secure: cyber protection for your credit card and bank account

Factsheet VZ Visa Gold (PDF)

Viseca’s customer service is available to deal with questions, emergency situations and card blocking requests around the clock, 365 days a year.

Order VZ Credit Card Visa Gold