The Saveback Programme (the "Programme") rewards clients with a bonus that is accumulated through and based on eligible debit card transactions. The accumulated reward depends on the amount spent ineligible transactions using the debit card and is credited to clients’ oldest investment portfolio that is maintained at the time of the payment.

Saveback: 


• Earn 0.25% reward on eligible debit card transactions, when spending up to CHF 2,000 per month.
• Eligibility:
  • Minimum investment of CHF 1,000 to the investment portfolio.
  • Net new money inflow of CHF 150 per month to the investment portfolio(s).

Saveback Premium: 
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• Earn 1% reward on eligible debit card transactions, when spending up to CHF 2,000 per month. 

• Eligibility: 

  • Minimum investment of CHF 10,000 to the investment portfolio(s).
  • Net new money inflow of CHF 1,000 per month to the investment portfolio(s).

Saveback: ‍

• Maintain a minimum investment of CHF 1,000 in the investment portfolio.
• Ensure a net new money inflow of at least CHF 150 each month to the investment portfolio(s).

Saveback Premium:

• Maintain a minimum investment of CHF 10,000 in the investment portfolio(s).
• Ensure a net new money inflow of at least CHF 1,000 each month to the investment portfolio(s).

Continued Eligibility:

• The above conditions must be met each month to continue earning Saveback rewards.
• Payments are made retroactively based on the prior month’s eligible transactions, amount spent, and conditions met.
• Clients can only earn either Saveback or Saveback Premium rewards exclusively in any given month.
• Eligibility for Saveback rewards is based solely on the client’s achievement of the conditions in the prior month.

If the above conditions are not met, the client will lose the claim for the Saveback reward for the month in which the conditions are not met.

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The following transaction categories are excluded from earning Saveback rewards:

• ATM and manual cash withdrawals,§ Money transfers such as account funding or peer-to-peer payments transactions (e.g. TWINT, PayPal),
• Transactions with a financial institution (including their merchant category code “MCC”, MCC 6012),
• Cash-like transactions including, but not limited to TWINT gift cards, (including MCC 6050, 6051),
• Wire transfers, money orders (including MCC 4829),
• Investments, e.g. purchase of securities and cryptocurrencies transactions (including MCC 6211),
• Gambling and lottery transactions (including MCC 7995, 7801,9754, 7800, 7802).

A blacklist will be maintained and transactions with blacklisted companies or merchant categories will not be eligible for Saveback rewards. The blacklist will be provided to clients upon request. Additionally, certain industries, e.g. pornography, will be restricted and related transactions considered not eligible for the Saveback Program. radicant reserves the right to modify the list of non-eligible transactions and these terms and conditions at any time.

• The reward is calculated based on eligible debit card transactions and the amount spent within the month.
• The maximum spending amount in eligible transactions for participation in the Programme and the reward calculation is CHF2,000 per month.
• Payments are made automatically the month after eligibility is determined. The payment will be made based on the Programme for which the client has fulfilled the conditions.
• The reward is credited to the investment portfolio retroactively each month, provided that the conditions for participation in either Saveback or Saveback Premium Programme respectively are met.
• If a client maintains multiple portfolios the Saveback reward will be allocated to the oldest portfolio.

• By participating in this Programme, clients agree to the terms and conditions outlined above.
• radicant reserves the right to amend, extend, shorten, or cancel the Programme at its sole discretion at any time without notice and without liabilities being incurred.
• No correspondence will be entered into regarding the Programme. No legal recourse is possible.
• radicant is authorised to reclaim the Saveback reward carried out in the event of fraudulent activities of the debit card holder.