Why open an account through your referral service?
We are independant consultants. For many non-Swiss
residents, opening of a Swiss bank account seems difficult
because you are not familiar with foreign banking practices,
their reputation, safety record, size and so on. And often
there is a language problem as well. There are over 500
Banks in Switzerland, all with somewhat different policies
and services and not all accept American clients. Many banks
in fact require you to appear in person.
Clients who establish accounts with Swiss Investment
Bank through referrals by S.I.B.A Consulting will
be subject to regular fees, charges and commissions levied
by the Swiss Investment Bank. Clients who use the
services of S.I.B.A Consulting will not pay any
additional fees for using above services.
Which is the name of the Bank?
For confidentiality reason we give you Bank details and
account opening procedure once you contact us for personal
advise. The Swiss Investment Bank we refered is licensed to
operate in Switzerland as an authorized Bank and a
Securities dealer. The full list of Swiss Bank can
be found at
Who can open a Swiss bank account?
In principle, anybody can open an account at a bank in
Switzerland. However, banks reserve the right to reject
customers. 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. Swiss banks are
forbidden by law to accept money which they know or must
assume stem from crime.
How can I open an account from my home country?
First of all it must be understood that Swiss banks have
very procedures concerning the opening of accounts,
irrespective of the domicile of the customer. In line with
Swiss laws governing "due diligence", the bank must verify
the identity of the customer on the basis of an official
document (e.g. a passport).
Can I open a Swiss bank account entirely via the
In accordance with the Due Diligence Agreement (CDB 03), the
bank verifies the identity of the contracting partner by
obtaining a certified copy of an official identification
document (e.g. passport). The certified copy may be provided
by a notary public or public office that customarily issues
such authentications. The bank also checks the address of
the new customer through an exchange of correspondence.
What questions will the bank ask me?
First of all, the bank’s staff will certainly ask questions
to fulfil the bank’s legal obligations with regard to due
diligence. This will include asking for proof of your
identity and also establishing the identity of the
beneficial owner of the assets if you are depositing funds
on behalf of someone else. The bank's staff might also ask
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, retire, etc. If you are asking the bank to
manage an investment portfolio they will also ask how much
risk you are willing to accept. In short, the more the bank
knows about you, the more it can tailor its advice and
service to your individual needs.
Can I open an "anonymous" account?
No. There is no such thing as an "anonymous" account in
Switzerland. Under Swiss law, the bank must know who you
Can I open a "numbered" accounts?
Is there a minimum opening deposit?
Does the account have to be in Swiss francs?
No. Banks offer accounts in US dollars, euros and other
currencies besides the Swiss franc.
How much interest will the bank pay on my money?
The Swiss Investment Bank account does not pay interest.
How safe are Swiss banks?
All banks operating in Switzerland must be licensed by the
Swiss Federal Banking Commission (SFBC). The SFBC, which is
a member of the Basel Committee on Banking Supervision,
regulates and supervises all banks in Switzerland according
to the Basel Committee’s standards. These standards cover
not only equity and capital adequacy but also the entire
scope of prudential and behavioural rules. As an additional
safety measure, Swiss law demands capital adequacy standards
even higher than those required by the Basel Accord. Swiss
banks can therefore certainly be counted amongst the safest
in the world. We verify that bank is licensed to operate in
Switzerland from Swiss banking regulator
How “secret” are Swiss banks?
In Switzerland great importance has traditionally been
attached to the protection of 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 protection. However, the high level of
confidentiality Swiss banks offer both their domestic and
foreign customers is not absolute and certainly does not
shield criminals. As a matter of principle the rights to
privacy can be suspended when a criminal investigation is
underway. Aim is to protect the privacy of the honest bank
client while exposing criminals to the full force of the
How long does it take to open a bank account?
It will usually take between 2 to 7 days (after you have
submitted the physical documents and forms to the respective
bank) but it could vary depending on various factors.
However, we pledge to complete your application in the
shortest time possible.
S.I.B.A Consulting is a
consulting International Swiss Investment Bank Account opening
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