Summary of fees for credit cards and prepaid cards

(valid as of 1 April 2022)


Silver/Classic

Annual fee

CHF 100
"one" digital service

free of charge
  free of charge
Mailing of paper bills

CHF/EUR/USD 2 per bill
Electronic bills in "one" digital service, free of charge
  subject to charge
PIN replacement

CHF/EUR/USD 10
  free of charge
Replacement card worldwide

CHF/EUR/USD 20*, in Switzerland generally within two working days, abroad three to six working days

*Courier mail to some countries or overseas may take longer and incur extra charges(CHF/EUR/USD 40).
  subject to charge
Credit interest rate/interest rate on arrears(annual interest rate)

12%
  subject to charge
(Migros Bank: 9,9% annual interest rate)
Processing fees in the event of late payment

CHF 20 or EUR/USD 15 per bill
  subject to charge
Commission for cash withdrawals (excluding Platinum)

4%, min. CHF/EUR/USD 10 at ATMs and bank counters worldwide(Raiffeisen Prepaid YoungMemberPlus: CHF 5 flat fee in Switzerland and abroad)
  subject to charge
Commission for cash withdrawals (Platinum only)

2.5% at ATMs
Switzerland: min. CHF  5 or EUR/USD 3.50
Abroad: min. CHF 10 or EUR/USD 7
4% at bank counters worldwide, min. CHF 10 or EUR/USD 7
  not relevant
Transactions in foreign currency

Amount at exchange rate + processing fee

+1,75%

Transactions in CHF abroad (not applicable to EUR/USD cards)

Amount + processing fee

+1,75%

Card blocking fee

CHF 10
  free of charge
Liability in case of loss or theft

No charge (CHF/EUR/USD 0) for the cardholder if loss/theft is reported immediately and provided that due care was taken (Art. 3 and 4, General Terms and Conditions)
  free of charge
Fee for special mailing of bill, card, PIN

Effective costs, min. CHF/EUR/USD 5
  free of charge
Fee for reprints of bills, transaction overviews, interest statements, etc.

CHF/EUR/USD 5
(max. 2 reprints; each additional reprint, CHF/EUR/USD 5)
  free of charge
Unjustified objection to a transaction (chargeback)

CHF 30
  free of charge
Order for copy of receipt (sales slip)

CHF 30
  free of charge
SMS services (e.g. for transactions in foreign currency)

CHF 0.50 / EUR 0.30 / USD 0.40 per SMS
  subject to charge
Phone support

CHF 1 per call
  not relevant
Top-up fee

1% (min. CHF 5) or EUR/USD 3 for each top-up
  not relevant
Commission for balance transfer

CHF/EUR/USD 20 per balance transfer to a bank or postal account
  not relevant
Cash payments made at post office

CHF 2.90 per payment
  subject to charge
Payment by instalments

Minimum monthly payment of the total outstanding monthly bill amount
5% (min. CHF/EUR/USD 100)
Payment by instalments in 3 monthly instalments within 90 days

Minimum monthly payment of the total outstanding monthly bill amount

33% (min. CHF/EUR/USD 100)