Inhaltsseite:Terms & Conditions

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General Terms & Conditions

General terms and conditions of our products and services.

The following terms and conditions relating to the products and services govern the relationship between you as the client and us as the Bank.

General information regarding the opening of a business relationship

Regulation Details
General Conditions Download document (PDF, 4 Seiten, 147 KB)
Terms and Conditions for Payment Services Download document (PDF, 5 Seiten, 536 KB)
Customer information in order to avoid loss of contact and dormant assets Download document (PDF, 2 Seiten, 127 KB)
Switzerland's Consumer Credit Act
Download document (PDF, 2 Seiten, 137 KB)
Client information on the Swiss deposit insurance Download documentexternal link opens new page
Terms of use for electronic communication Download document (PDF, 1 Seite, 127 KB)

Digital Banking Services

Regulation Details
Special Conditions for Digital Banking Services 
(Applies for eBanking and eBanking mobile)
Download document (PDF, 7 Seiten, 181 KB)

Accounts

Regulation Details
Terms and Conditions Governing Private Accounts Download document (PDF, 1 Seite, 123 KB)
Terms and Conditions Governing Savings Accounts Download document (PDF, 1 Seite, 124 KB)
Terms and Conditions Governing ZKB Savings Accounts Plus Download document (PDF, 1 Seite, 505 KB)
Terms and Conditions Governing ZKB Environmental Savings Account Download document (PDF, 2 Seiten, 509 KB)
Bestimmungen für ZKB Anlagekonten für Personalvorsorge (German only) Download document (PDF, 1 Seite, 489 KB)
Terms and Conditions Governing ZKB Metal Accounts
Download document (PDF, 2 Seiten, 516 KB)

Cards

Regulation Details
Bestimmungen für die Benützung der ZKB Maestro-Karte (German only) Download document (PDF, 4 Seiten, 156 KB)

Custody Accounts

Regulation Details
General Conditions for Safe Custody Accounts Download document (PDF, 8 Seiten, 243 KB)
Special Risks in Securities Trading Download document (PDF, 32 Seiten, 329 KB)
US Federal Estate Tax Download document (PDF, 1 Seite, 59.4 KB)
Price Overview for Investments Download document (PDF, 4 Seiten, 165 KB)
Shareholder Rights Directive II Download document (PDF, 1 Seite, 116 KB)

Price Summary and Conditions

Regulation Details
Price summary and terms for private clients Download document (PDF, 22 Seiten, 323 KB)
Price summary and terms for corporate clients Download document (PDF, 12 Seiten, 274 KB)
Fund Portfolio  Download document (PDF, 2 Seiten, 140 KB) 

Pension

Regulation Details
Terms and Condition including Schedule of Fees ZKB Pillar 3 (German only) Download document (PDF, 4 Seiten, 288 KB)
Terms and Condition including Schedule of Fees Governing frankly Pillar 3 Download document (PDF, 4 Seiten, 1.9 MB)
Terms and Condition including Schedule of Fees Governing ZKB vested benefits account Download document (PDF, 4 Seiten, 154 KB)

Last updated: July 2020


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