Legal

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, 147 KB)
Terms and Conditions for Payment Services Download document (PDF, 536 KB)
Customer information in order to avoid loss of contact and dormant assets Download document (PDF, 127 KB)
Switzerland's Consumer Credit Act Download document (PDF, 137 KB)
Client information on the Swiss deposit insurance Download document (PDF, 246 KB)
Terms of use for electronic communication Download document (PDF, 127 KB)
Terms and Conditions of Use for b.Link Download document (PDF, 116 KB)

Digital Banking Services

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

Accounts

Regulation Details
Terms and Conditions Governing Private Accounts Download document (PDF, 123 KB)
Terms and Conditions Governing Savings Accounts Download document (PDF, 124 KB)
Terms and Conditions Governing ZKB Savings Accounts Plus Download document (PDF, 505 KB)
Terms and Conditions Governing ZKB Environmental Savings Account Download document (PDF, 509 KB)
Bestimmungen für ZKB Anlagekonten für Personalvorsorge (German only) Download document (PDF, 489 KB)
Terms and Conditions Governing ZKB Metal Accounts Download document (PDF, 87 KB)

Cards

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

Custody Accounts

Regulations Details
General Conditions for Safe Custody Accounts Download document (PDF, 245 KB)
Special Risks in Securities Trading Download document (PDF, 329 KB)
US Federal Estate Tax Download document (PDF, 59 KB)
Price Overview for Investments Download document (PDF, 165 KB)
Shareholder Rights Directive II Download document (PDF, 116 KB)

Price Summary and Conditions

Bestimmung Details
Price summary and terms for private clients Download document (PDF, 316 KB)
Price summary and terms for corporate clients Download document (PDF, 200 KB)
Fund Portfolio  Download document (PDF, 140 KB)
Service fee for b.Link Download document (PDF, 126 KB)

Pension

Bestimmung Details
Terms and Conditions Governing ZKB Pillar 3 Download document (PDF, 2 MB)
Terms and Conditions Governing frankly Pillar 3 Download document (PDF, 224 KB)
Terms and Conditions Governing ZKB Vested Benefits Account Download document (PDF, 154 KB)
Privacy Policy Governing ZKB Pillar 3 and frankly Pillar 3 Download document (PDF, 154 KB)
Privacy Policy Governing ZKB Vested Benefits Account Download document (PDF, 154 KB)

Last updated: March 2021