Accounts and eligibility
Sections ↑At a glance01
How the account works
| Item | Details |
|---|---|
| Investment decision | The customer chooses and monitors the investments; Execution Only does not include individual recommendations or ongoing suitability monitoring.Source 2Source 3 |
| Bank relationship | A securities depot and the relevant settlement account support the service.Source 2Source 3 |
| Dealing channels | Orders can be placed digitally or through personal contact; the price depends on the channel.Source 2Source 3 |
At a glance02
Digital access prerequisites
| Item | Details |
|---|---|
| Mobile access | Requires a ZKB bank relationship, eBanking agreement and the supported mobile application.Source 5Source 3 |
| Service boundaries | Availability depends on the instrument, account permissions and channel; a price appearing in the general tariff is not an automatic trading entitlement.Source 5Source 3 |
| Crypto eligibility | Swiss domicile is required; US persons are excluded. The bank requires the crypto agreement, risk acknowledgement and disclosure consent.Source 12 |
Products and markets
Sections ↑At a glance03
Securities and fund access
| Item | Details |
|---|---|
| Listed investments | Shares, bonds, listed funds and other exchange-traded securities are covered by the investment tariff.Source 2Source 1 |
| Funds at net asset value | Subscription and redemption pricing differs from exchange trading.Source 2Source 1 |
| Own-group products | ZKB bonds, structured products, warrants and Swisscanto ETFs have separate dealing prices.Source 2Source 1 |
At a glance04
Additional priced asset categories
| Item | Details |
|---|---|
| Digital assets | Bitcoin, Ethereum, Solana and Chainlink are offered through a separate cryptocurrency agreement attached to an Execution Only depot.Source 12 |
| Metals | The tariff separately prices precious-metal custody and delivery.Source 1 |
| Exchange-traded derivatives | A separate futures and options schedule exists; these prices should not be read as a promise that every contract is enabled in mobile banking.Source 1 |
Trading and account costs
Sections ↑The published investment prices apply from October 2025. Brokerage, custody, foreign-exchange charges, taxes and third-party costs are separate components.[1]
At a glance05
Digital share commissions
| Item | Details |
|---|---|
| Swiss securities | 0.50% up to CHF 100,000; 0.40% in the published band up to CHF 250,000; 0.30% above CHF 250,000.Source 1 |
| Foreign securities | 0.70%, 0.60% and 0.50% in the same respective published size bands.Source 1 |
| Minimum | CHF 50 per transaction; same-day partial executions use the tariff for the combined volume.Source 1 |
At a glance06
Bond commissions and other channels
| Item | Details |
|---|---|
| Digital bonds | 0.40%, 0.30% and 0.20% in the three published size bands; CHF 50 minimum.Source 1 |
| Telephone, letter and other channels | Share and bond percentage rates are twice the corresponding digital rates; CHF 100 minimum.Source 1 |
| Third-party expenses | Exchange and other external charges can be passed on in addition to brokerage.Source 1 |
At a glance07
Funds subscribed at net asset value
| Item | Details |
|---|---|
| Digital subscription | Money-market funds 0.25%; bond funds 0.50%; equity, strategy and other funds 0.75%; CHF 50 minimum.Source 1 |
| Other channels | 0.50%, 1.00% and 1.50% respectively; CHF 100 minimum.Source 1 |
| Redemption | No bank redemption commission for the stated net-asset-value route. ETF dealing follows the listed-securities or Swisscanto schedule.Source 1 |
At a glance08
Own-group dealing prices
| Item | Details |
|---|---|
| ZKB bonds, digital | 0.25%, 0.20% and 0.15% in the three published size bands; CHF 25 minimum.Source 1 |
| ZKB structured products and warrants; Swisscanto ETFs | Digital rates 0.40%, 0.30% and 0.20%; CHF 25 minimum.Source 1 |
| Other channels and subscriptions | Corresponding rates double with CHF 50 minimum; purchases during the stated subscription period incur no dealing fee.Source 1 |
At a glance09
Cryptocurrency dealing prices
| Item | Details |
|---|---|
| Digital channel | 1.00% up to CHF 250,000; 0.75% above; CHF 10 minimum.Source 1 |
| Other channels | 2.00% up to CHF 250,000; 1.75% above; CHF 20 minimum.Source 1 |
| Separate holding charge | Cryptocurrency custody is 0.50% annually, with a CHF 5 monthly minimum per position.Source 1 |
At a glance10
Exchange-traded derivative commissions
| Contract category | Published charge |
|---|---|
| Eurex options | CHF 120 per order plus 0.50% of premium volume.Source 1 |
| Options on other venues | CHF 150 per order plus 0.50% of premium volume.Source 1 |
| Futures | CHF 15 per FSMI/Swiss-equity contract; CHF 25 CONF; CHF 30 other Eurex; CHF 65 other venues. CHF 150 minimum per order.Source 1 |
At a glance11
Annual custody rates and monthly position minimums
| Item | Details |
|---|---|
| ZKB cash bonds | 0.10% annually; at least CHF 1 per month per position.Source 1 |
| ZKB and Swisscanto products | 0.20% annually; at least CHF 2 per month per position.Source 1 |
| Securities held domestically | 0.30% annually; at least CHF 3 per month per position.Source 1 |
| Securities held abroad or precious metals | 0.40% annually; at least CHF 4 per month per position.Source 1 |
At a glance12
How the depot bill is calculated
| Item | Details |
|---|---|
| Valuation and collection | Daily holdings form the calculation basis; charges are collected quarterly.Source 1 |
| Depot minimum | CHF 50 annually, or CHF 60 for a depot with the specified additional services. A depot holding only ZKB/Swisscanto products is exempt from this depot minimum, not from position fees.Source 1 |
| VAT | Applicable VAT is added for customers domiciled in Switzerland or Liechtenstein.Source 1 |
| Special arrangements | Specified blocked, usufruct, gift and similar depots attract 20% surcharges, cumulatively capped at 60%.Source 1 |
At a glance13
Foreign-exchange conversion charges
| Item | Details |
|---|---|
| Major currencies | Published maximum margins are 1.00% below CHF 50,000, 0.75% from CHF 50,000 to CHF 250,000, and 0.40% above CHF 250,000.Source 1 |
| Other currencies | Corresponding maximum margins are 2.00%, 1.50% and 0.80%.Source 1 |
| Applicability | The applicable currency classification and transaction size matter; these are conversion prices rather than a retail leveraged-FX account offer.Source 1 |
At a glance14
Transfer and delivery charges
| Item | Details |
|---|---|
| Incoming securities and internal transfers | The standard tariff lists these as free.Source 1 |
| Outgoing book-entry securities | CHF 100 per ISIN, whether domestically or internationally held.Source 1 |
| Delivery against payment | CHF 150 domestically or CHF 200 abroad.Source 1 |
| Other deliveries | Metal delivery CHF 250; physical foreign delivery CHF 500. Applicable VAT and external expenses may be additional.Source 1 |
Platforms, orders and execution
Sections ↑At a glance15
Browser and mobile investment functions
| Item | Details |
|---|---|
| Both channels | Security search, purchase and sale of enabled securities, activation of stop-buy/stop-loss orders, and viewing or cancelling orders.Source 4 |
| Browser eBanking | Detailed depot analysis, processing corporate actions and searching stock-exchange orders are listed as browser functions.Source 4 |
| Issues and subscriptions | The function guide includes subscription to listed new issues and cash bonds, where offered.Source 4 |
At a glance16
When digital securities orders are forwarded
| Item | Details |
|---|---|
| Normal forwarding window | Swiss banking days from 08:00 to 22:00, and only during the relevant market’s published trading hours.Source 4 |
| Outside that window | Orders are processed on the next Swiss banking day during the relevant exchange’s opening hours.Source 4 |
| Processing method | Orders may be handled directly or through a third party; straight-through processing is not guaranteed for every order.Source 4 |
At a glance17
Cryptocurrency orders and custody
| Item | Details |
|---|---|
| Digital timing | Orders can be entered around the clock; immediate execution is not guaranteed during outages, release weekends or broker restrictions.Source 12Source 13 |
| Click and Deal | Once submitted, the order cannot be amended or revoked. The displayed price is indicative and there is no price limit.Source 12Source 13 |
| Limit orders | A price and expiry are specified; execution may be partial or absent.Source 12Source 13 |
| Currency and transfers | Purchases settle in USD, with conversion from other account currencies. Crypto deposits, withdrawals, payments and staking are unavailable.Source 12Source 13 |
At a glance18
Order validity and amendments
| Item | Details |
|---|---|
| Limits and validity | Instructions depend on the instrument and market; the bank can restrict order types or validity.Source 3 |
| Change or cancellation | An instruction to amend or cancel an unexecuted order remains subject to whether the original order can still be stopped.Source 3 |
| Cash cover | The bank may reject uncovered instructions, require cover or take contractual measures to restore it.Source 3 |
At a glance19
Monitoring orders and investment risk
| Item | Details |
|---|---|
| Customer responsibility | Execution Only leaves investment selection and ongoing monitoring with the customer.Source 3Source 1Source 5 |
| Partial executions | Same-day fills are combined for the applicable brokerage tariff; a cancellation request is not proof that a fill cannot occur.Source 3Source 1Source 5 |
| Mobile alerts | Mobile banking supports notifications and secure messages; alerts do not replace checking the order record.Source 3Source 1Source 5 |
Cash, currencies and transfers
Sections ↑At a glance20
Settlement currency arrangements
| Item | Details |
|---|---|
| Reference account | The customer designates the account used for settlement and income.Source 3 |
| Conversion | Currency conversion can be necessary when the settlement currency differs from the available account currency.Source 3 |
| Changing instructions | The custody terms require changes to relevant payment instructions at least five bank working days before the due date.Source 3 |
At a glance21
Corporate actions and income
| Item | Details |
|---|---|
| Routine administration | The bank collects distributions and handles routine custody administration.Source 3 |
| Customer elections | Non-routine corporate actions require instructions within the stated deadlines.Source 3 |
| Foreign tax | A refund of foreign withholding tax is not automatically part of ordinary custody administration.Source 3 |
At a glance22
Closing or moving the depot
| Item | Details |
|---|---|
| Termination | The custody relationship can be terminated at any time under the terms; unsettled obligations still have to be fulfilled.Source 3Source 1 |
| Closure fee | Depot closure itself is free, excluding transactions and delivery charges.Source 3Source 1 |
| Practical consequence | Selling assets before closure and transferring securities out produce different costs and settlement requirements.Source 3Source 1 |
| Securities not yet received | The bank may postpone disposal of a credited security until the asset has actually arrived; an account entry alone does not establish immediate delivery availability.Source 3 |
Legal entity and investor protection
Sections ↑At a glance23
Cash protection and the cantonal guarantee
| Item | Details |
|---|---|
| Deposit protection | Eligible deposits are protected up to CHF 100,000 per customer and institution; several accounts are aggregated.Source 8Source 9 |
| State guarantee | The Canton of Zürich is liable for the bank’s liabilities, except subordinated liabilities, if the bank’s own resources are insufficient.Source 8Source 9 |
| Investment value | These arrangements do not make a share, fund, bond issuer or cryptocurrency immune from investment losses.Source 8Source 9 |
At a glance24
Securities custody arrangements
| Item | Details |
|---|---|
| Assets in custody | Securities are held and administered under the custody agreement; they are distinct from a cash deposit balance.Source 3Source 2 |
| Foreign and collective custody | Subcustodians, collective holdings and foreign legal rules can affect custody arrangements.Source 3Source 2 |
| Counterparty | The retail account provider is Zürcher Kantonalbank, rather than an unrelated broker using its institutional services.Source 3Source 2 |
At a glance25
Regulatory context
| Item | Details |
|---|---|
| FINMA status evidence | FINMA’s 14 October 2026 announcement concerns ZKB’s recovery and emergency plans as a domestic systemically important bank.Source 10 |
| Meaning of plan approval | Approval of those plans is not a promise that a particular investment or every operational disruption is covered.Source 10 |
Support and complaints
Sections ↑At a glance26
Contact channels and hours
| Item | Details |
|---|---|
| eBanking support | 0844 840 140 in Switzerland; +41 44 293 95 95 from abroad.Source 6Source 9 |
| Technical-support hours | Monday–Friday 08:00–22:00; Saturday–Sunday 09:00–18:00, subject to published holiday arrangements.Source 6Source 9 |
| General enquiries | 0844 843 823, Monday–Friday 08:00–18:00.Source 6Source 9 |
At a glance27
Access problems and urgent instructions
| Item | Details |
|---|---|
| Forgotten password | Use the official forgotten-password process; repeated incorrect entries can require support assistance.Source 7Source 1Source 4 |
| New smartphone | The new device must be activated through the bank’s authorised process.Source 7Source 1Source 4 |
| Urgent dealing | Telephone is a recognised dealing channel, with different brokerage rates. Technical-support opening hours should not be treated as an assurance that a trade can be executed at every hour.Source 7Source 1Source 4 |
At a glance28
Complaints and external mediation
| Item | Details |
|---|---|
| First contact | Raise the matter with the bank through its official contact route.Source 8 |
| Swiss Banking Ombudsman | The bank identifies the Swiss Banking Ombudsman for mediation; German/English telephone +41 43 266 14 14, French/Italian +41 21 311 29 83.Source 8 |
Research, reporting and additional services
Sections ↑At a glance29
Market information and watchlists
| Item | Details |
|---|---|
| Research tools | Financial information includes market news, prices, charts, watchlists and exchange-rate tools.Source 11 |
| Alerts | Selected price information can be monitored with email or SMS alerts.Source 11 |
| Paid data | Finanzinfos+ and selected real-time exchange data are optional services; not every market-data entitlement is included automatically.Source 11 |
At a glance30
Statements and objection periods
| Item | Details |
|---|---|
| Portfolio reporting | Custody statements are issued periodically, normally including a year-end inventory.Source 3 |
| Valuation | Statement valuations are indicative rather than a guarantee of the price available when selling.Source 3 |
| Checking records | The custody terms call for objections within 30 days of dispatch of the relevant statement.Source 3 |
At a glance31
Data export is separate from trading access
| Item | Details |
|---|---|
| Browser data interfaces | The function guide lists account and payment files such as MT940 and camt formats in browser eBanking.Source 4 |
| Scope | These are cash-account/payment-data functions; they do not establish a customer securities-trading API.Source 4 |
| Device differences | Detailed asset analysis and investment reporting have narrower channel availability than basic portfolio viewing.Source 4 |
Company and account provider
Sections ↑At a glance32
Provider and service model
| Item | Details |
|---|---|
| Legal provider | Zürcher Kantonalbank, Switzerland.Source 2Source 3 |
| Execution Only role | The bank provides execution and custody while the customer makes investment decisions.Source 2Source 3 |
| Separate businesses | Retail investment-account rules should be read from the retail agreement and tariff; institutional brokerage services have their own arrangements.Source 2Source 3 |
At a glance33
Distribution compensation
| Item | Details |
|---|---|
| Contractual disclosure | The custody documentation includes a January 2026 appendix describing compensation that the bank may receive from product providers.Source 3 |
| Why it matters | Own-group and third-party products can have different charges and remuneration arrangements; the agreement governs retention or waiver of those payments.Source 3 |
- Headquarters
- Zürich, Switzerland
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Zürcher Kantonalbank
No separate licence entry is recorded in this panel.
Practical account considerations
Sections ↑At a glance34
Where the cost can be concentrated
| Item | Details |
|---|---|
| Small orders | A CHF 50 digital brokerage minimum can dominate the percentage rate on a modest trade.Source 1 |
| Many small positions | Monthly per-position custody minimums can matter more than the annual percentage on a diversified small portfolio.Source 1 |
| Moving assets | Free depot closure does not remove the CHF 100 per-ISIN outgoing-delivery fee.Source 1 |
At a glance35
Joint holdings and instructions
| Item | Details |
|---|---|
| Joint depot | Unless otherwise agreed, the custody terms require joint disposal instructions and provide for joint liability.Source 3 |
| Separate authority | An app login or access to information is not a substitute for the authority required to transact on a particular depot.Source 3 |
Sources & further reading
- ZKB — investment-business price overview, prices from October 2025 Zürcher Kantonalbank Execution Only · Accessed 29 Oct 2026
- ZKB — Execution Only: self-directed investing Zürcher Kantonalbank Execution Only · Accessed 27 Oct 2026
- ZKB — custody regulations, January 2022, with January 2026 compensation appendix Zürcher Kantonalbank Execution Only · Accessed 29 Oct 2026
- ZKB — eBanking and Mobile Banking function comparison Zürcher Kantonalbank Execution Only · Accessed 27 Oct 2026
- ZKB — Mobile Banking: investment, messaging and access functions Zürcher Kantonalbank Execution Only · Accessed 27 Oct 2026
- ZKB — contact and eBanking support hours Zürcher Kantonalbank Execution Only · Accessed 27 Oct 2026
- ZKB — eBanking login and access recovery Zürcher Kantonalbank Execution Only · Accessed 27 Oct 2026
- ZKB — general legal information, deposit protection and dispute resolution Zürcher Kantonalbank Execution Only · Accessed 27 Oct 2026
- ZKB — scope of the Canton of Zürich state guarantee Zürcher Kantonalbank Execution Only · Accessed 27 Oct 2026
- FINMA — approval of ZKB and Raiffeisen recovery and emergency plans, 14 October 2026 Swiss Financial Market Supervisory Authority · Accessed 27 Oct 2026
- ZKB — financial information, watchlists and optional real-time data Zürcher Kantonalbank Execution Only · Accessed 27 Oct 2026
- ZKB — cryptocurrency eligibility, settlement and transfer restrictions Zürcher Kantonalbank · Accessed 29 Oct 2026
- ZKB — cryptocurrency order types and execution restrictions Zürcher Kantonalbank · Accessed 29 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.