What are the requirements for opening an account in a Swiss bank?

Opening an account in a Swiss bank means opening an account in Switzerland or abroad. According to different accounts, it can be divided into individual Swiss banks and corporate Swiss banks. Switzerland has the most perfect financial system in the world, and its domestic banks will not disclose customers' personal information at will, thus ensuring the appreciation and safety of customers' overseas assets. So what are the requirements for opening an account in a Swiss bank? What should I pay attention to?

What are the requirements for opening an account in a Swiss bank?

(1) individual

Hold a Swiss residence permit with a minimum deposit of 5,000 Swiss francs. The residence permit is valid for 5 months. After opening an account, 500 Swiss francs will be frozen. If students leave Switzerland and continue to use their accounts, they must have 654.38 million Swiss francs in their accounts.

Otherwise, the account must be cancelled and the bank will return 500 Swiss francs of securities. No matter what nationality, as long as you have a permanent residence permit in Switzerland, you have the same conditions for opening an account as Switzerland.

(2) Company:

1. Contact the bank in advance and make an appointment to open an account;

2. On the day of opening an account, the directors of the company must bring their ID cards, valid passes or passports;

3. A copy of the business license of the domestic company (the account holder is a legal person or shareholder);

4. Domestic companies buy and sell invoices and contracts for banks' reference;

5. Deposit HK$ 65,438+00,000 into the company account and HK$ 65,438+00,000 into the private account;

6. Open a comprehensive wealth management account, including savings, checks, foreign currency (10), online bank account and letter of credit account, and provide an ATM card;

7. There are two bank passwords. The first set of passwords is sent to customers, and the second set of passwords can only be obtained if customers go to the bank to verify their identity;

8. The company seal is required when handling;

9. The information submitted by overseas companies is the same as that submitted by Hong Kong companies. When opening an account, the audit fee should be deducted (deducted from the account);

10. The credit certificate may or may not show the balance, but it must be on letterhead;

1 1. You can sign in Shenzhen, Shanghai or other overseas places, but you must obtain the consent of the bank account opening company in advance, mainly depending on the strength or reputation of the account opening company. Because this kind of account opening is complicated, you can check with the bank before opening an account;

12. Swiss banks can open accounts in offshore banks.

What are the relevant procedures and precautions for opening an account in a Swiss bank?

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First of all, there are three ways to open a Swiss bank account:

First, go directly to the local bank in Switzerland to open an account;

Second, the original documents of the directors and shareholders of the company and the original documents of the company can be delivered to the bank;

Third, the certificates of the company's directors and shareholders should be notarized in the notary office, and all notarized originals and company information should be sent to the bank by express delivery. Personal documents should be notarized in the notary office and translated into English.

Secondly, Swiss banks need to pay attention to opening an account:

1) Swiss banks may refuse to open an account if the nationality of the shareholders or directors who open the account is a high-risk and war-torn region or country.

2) The shareholders or directors of the company handling the Swiss bank account must go to the account opening site;

3) When opening an account in a Swiss bank, customers need to pay attention to the operation process or acceptance level of the bank, and some banks do not accept back-to-back letters of credit;

4) After the successful opening of a Swiss bank account, it is necessary to open a bank account or have a transaction record within one month, otherwise the bank account may be automatically cancelled. It is suggested that the customer's bank account balance should not be less than 50,000 yuan;

5) If the Swiss bank account is a company account, you need to consider docking with the agent for bookkeeping.

The general process of opening an account in a Swiss bank:

First, in a Swiss bank, fill in the account opening form and prepare the documents.

Secondly, after preparing the required forms and documents, send the scanned copies to the Swiss bank and confirm the information by email. If there is no problem with the documents, the bank will send a notice to inform you that you can open a Swiss account;

Third, in Swiss banks, it is necessary to deposit the account opening activation funds into the temporary account of Swiss banks. Swiss banks can open bank accounts on the same day after receiving the activation funds and account opening documents. The activation funds pre-stored by the account holder will be automatically transferred to the account holder's account;

Finally, after successfully opening an account in a Swiss bank, the Swiss bank will send you the original documents and all the originals of the account opening bank by express delivery, and the electronic account opening confirmation information will be sent to your e-mail. After the bank account is activated, the online bank will also send it to you by courier, so that you can make self-help remittance at any time and check the bank account information at any time.