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 Terms & Conditions
General terms and conditions of our products and services.
General information regarding the opening of a business relationship
| Regulation | Details |
|---|---|
| General Conditions | Download document (PDF, 2 MB) |
| 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) |
Digital Banking Services
| Regulation | Details |
|---|---|
| Special Conditions for Digital Banking Services (Applies for eBanking and eBanking mobile and for info app) |
Download document (PDF, 182 KB) |
| Special Terms and Conditions of Use for the Online Meeting Service | Download document (PDF, 158 KB) |
| Terms and conditions of use for software connections via API | Download document (PDF, 153 KB) |
| Service fee for bLink | Download document (PDF, 126 KB) |
| Terms and Conditions of Use for Multibanking via API of Zürcher Kantonalbank | Download document (PDF, 134 KB) |
| Special Terms of Use for Mobile Payment by Wallet with the ZKB Visa Debit Card | Download document (PDF, 145 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 |
|---|---|
| Conditions for the ZKB Visa Debit Card | Download document (PDF, 158 KB) |
Terms and Conditions for the ZKB Customer card with PIN
|
Download document (PDF, 150 KB) |
| Terms and Conditions for the ZKB Customer card without PIN | Download document (PDF, 128 KB) |
Custody Accounts
| Regulations | Details |
|---|---|
| General Conditions for Safe Custody Accounts | Download document (PDF, 2 MB) |
| Information sheet «Compensation from Third Parties – Sales Commissions and other Monetary Benefits» |
Download document (PDF, 2 MB) |
| 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, 183 KB) |
| Shareholder Rights Directive II | Download document (PDF, 116 KB) |
Further banking services and products
Terms and Conditions Governing ZKB Autosafe Rentals (PDF, 150 KB)
Terms and Conditions Governing ZKB Safe-Deposit Box Rentals (PDF, 145 KB)
Price Summary and Conditions
| Regulations | Details |
|---|---|
| Price summary and terms for private clients | Download document (PDF, 286 KB) |
| Overview of fees for corporate and institutional clients | Download document (PDF, 685 KB) |
| Fund Portfolio | Download document (PDF, 140 KB) |
| Price List for ZKB Autosafes | Download document (PDF, 122 KB) |
| Price List for ZKB Safe-Deposit Boxes | Download document (PDF, 117 KB) |
Exemplary cost information MiFID
| Regulations | Details |
|---|---|
| Exemplary cost information Portfolio Consulting International | Download document (PDF, 158 KB) |
| Exemplary cost information Portfolio Consulting Expert, Premium, Classic | Download document (PDF, 157 KB) |
Pension
| Regulations | Details |
|---|---|
| Terms and Conditions Governing ZKB Pillar 3 | Download document (PDF, 142 KB) |
| Terms and Conditions Governing frankly Pillar 3 | Download document (PDF, 159 KB) |
| Terms and Conditions Governing ZKB Vested Benefits Account | Download document (PDF, 139 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: October 2022