Your banking benefits
Interest on cash balance CHF account under CHF 100,000

Interest rates may change at any time due to market conditions. Interest rate adjustments take effect at the time of an interest rate change. The applicable interest rates are published on the radicant website. The interest rate is calculated on a daily basis, using the end of the day balance. The total of the interest you accumulated over the year will be paid at year-end.

0.75%
Interest on cash balance CHF account from CHF 100,000 up to CHF 250,000

Interest rates may change at any time due to market conditions. Interest rate adjustments take effect at the time of an interest rate change. The applicable interest rates are published on the radicant website. The interest rate is calculated on a daily basis, using the end of the day balance. The total of the interest you accumulated over the year will be paid at year-end.

1%
Interest on cash balance CHF account over CHF 250,000

Interest rates may change at any time due to market conditions. Interest rate adjustments take effect at the time of an interest rate change. The applicable interest rates are published on the radicant website. The interest rate is calculated on a daily basis, using the end of the day balance. The total of the interest you accumulated over the year will be paid at year-end.

0.75%
Interest on cash balance EUR account up to EUR 250,000

For cash balances over EUR 250,000, the interest rate is 0%.

Interest rates may change at any time due to market conditions. Interest rate adjustments take effect at the time of an interest rate change. The applicable interest rates are published on the radicant website. The interest rate is calculated on a daily basis, using the end of the day balance. The total of the interest you accumulated over the year will be paid at year-end.

1.50%
Saveback
0.25%
Saveback Premium
1%
Travel insurance
Free
Mangrove restoration with your card payments
Free
Usage of CHF deposits
A part of client deposits is used to finance impactful projects via labelled bonds.
Your bank accounts
Monthly fee
CHF 0
CHF account
Free
EUR account
Free
Account opening and closing
Free
Overdraft
Not allowed
Payments
Bank transfer within Switzerland and to Lichtenstein in CHF
Free
Bank transfers in EUR to SEPA banks
Free
Conversion fee (CHF <> EUR)
0.90%
Apple Pay, Google Pay, TWINT
Free
Cards
Virtual debit card (linked to CHF account)
Free
Physical debit card made of recycled plastic (optional, linked to CHF account)

One time fee for card production and shipping.

CHF 10
Fee for card payments in foreign currencies

Benefit from 0% fees when paying with the radicant debit card in a currency other than Swiss Francs (CHF). No Visa markup fees, no transaction fees, nothing! When you pay with your radicant card, we apply the current market rate – plain and simple.

0%
ATM withdrawal in Switzerland (CHF)
12 per year for free, then CHF 2 per withdrawal
ATM withdrawal in Switzerland (EUR)
CHF 5
ATM withdrawal abroad (local currency)
CHF 5
Replace virtual card
Free
Replace physical card if damaged
Free
Replace physical card if lost or stolen
CHF 20
Block/unblock card through radicant app
Free
Block/unblock card through client service
CHF 20
Set new PIN
Free

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Digital wealth management
Investment management mandate

Portfolio includes investment and custody account

Free
Minimum investment
CHF 1,000
Annual product costs

Depending on the chosen investment strategy and products.

0.40 – 0.47% p.a.
Annual fees per portfolio

If you are one of radicant's first clients and you already invested with us (Family & Friends, Co-Creator Beta and Early bird), you continue to benefit from your current pricing.

CHF 1,000 – 24,999
0.45% 0,90%
CHF 25,000 – 99,999
0.40% 0,80%
CHF 100,000 – 249,999
0.325% 0,65%
From CHF 250,000
0.25% 0,50%

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Pillar 3a
Pillar 3a cash
Amount
From CHF 1
Annual fee
Free
Interest
1.25%
Asset protection

Your 3a deposits are preferential and protected up to a maximum of CHF 100’000 per client and 3a provider.

Up to CHF 100,000
Pillar 3a investment
Amount
From CHF 1,000
Annual fee
0.45%
Product cost

Depending on the chosen investment strategy and products.

0.40 - 0.47%
Pillar 3a cash and investment
Transfer existing 3a funds
Free
General payout
Free
Pledge (per case)
CHF 200
Payout for home ownership (per case)
CHF 250
Payout while living abroad or due to self-employment
CHF 200
Transfer-out to another Pillar 3a within one year of account opening
CHF 100
Extraordinary administrative expenses
At cost

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Client service
Email to client service
Call client service
CHF 0.08 per minute
Inquiries & investigations

E.g. transaction investigations, card transactions challenges, account investigations, various administrative investigations

CHF 25 per 15 minutes
of effort

Legal disclaimer

radicant reserves the right to adjust our offering at any time. Adjustments will be made in good faith based on current market conditions or other reasons. Adjustments will be communicated in an appropriate manner.

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