Online Banking FAQ

The selected settings are automatically saved for the most important fields, and remain valid until you change them.

"Booking entries" shows the bookings on your account. The default setting shows you the bookings for the last 30 days. You can also choose a different period or number of bookings on the bookings page itself. The selection is saved for later Online Banking sessions.

The IBAN is shown on all pages in the account area. The BIC is displayed in the upper section of each account details page. To display the clearing number, select "Show All Details" at the top of the account details pages.

Provisional bookings are advance notices of items which are not yet definitively booked and can therefore still be changed. However, since these provisional bookings also apply to the balance, provisional cash receipts can also be obtained at ATMs.

There are two possible options:

1. Select the required account, and choose "Search Bookings" in the left navigation menu. Then use the time period as the search parameter. When the results are displayed, click on the "Export" button under the bookings found.
2. Select the desired account from the account list. Select "Current month" to the right above the displayed bookings, and click the "GO" button to confirm. Now you can scroll backward and forward by month under the displayed bookings. When the desired month is displayed, click on the "Export" link.

If you find a booking with the text "Payments" and "Global credit according to separate display", your account is set up in such a way that bookings of the same type are summarized. If you want to change this and to have each credit booked separately (including the sender's details), please contact your Relationship Manager.

You can make a request to your Relationship Manager, if you want interest details displayed. As soon as interest details are switched on for you, you can include these under “Accounts & Assets” in the account list by clicking on “Edit Table” and placing a tick next to interest in the pop-up window.

The portfolio shows both safekeeping account positions and the assigned accounts (including precious metals and money market accounts), forward transactions and options for precious metals and foreign exchange. The safekeeping account shows only positions with a “Security Number/ISIN”. Under “Portfolio/Safekeeping Account” you can choose whether you wish to see/analyze the full portfolio or just the safekeeping account positions. To do this, choose the option “Display safekeeping account positions only” and then recalculate. To make changes in the portfolio elements, please contact your relationship manager.

Select the “Order Statement” tab under “Portfolio/Safekeeping Account”, and select the appropriate portfolio/safekeeping account. Confirm with “Go” and use the “Order” button to confirm the request. The ordered report will be sent by post or as an e-document, depending on mailing instructions.

The account balances in "Portfolio" show net information as of today/as of the record date. Bookings for future dates and provisional bookings are also included in the "Account list" and full overview. This can lead to different account balances appearing in different areas. However, it is easy to determine from the bookings in the appropriate account, which bookings are included in which account balance.

For valuation, either the current average exchange rate (real-time view) or the average exchange rate on the evening of the chosen valuation date is used.

Please note that the average foreign exchange rate is used. Consequently the information is for reference purposes only and may differ from the actual value. 

"Asset Allocation" shows the asset categories and currencies in which the portfolio assets or safekeeping account assets are invested.

The sector analysis and analysis by debtor category also included on this page show the sectors in which the assets are invested and the debtor categories in which the nominal assets of the portfolio/safekeeping account are invested.

The country analysis shows the countries in which the portfolio/safekeeping account assets are invested.

The maturity analysis shows when the nominal assets are likely to mature. Maturities of more than or less than one year are differentiated. You can also see forecast income on this page (e.g. expected dividend payments).

Please contact your Relationship Manager, who will be able to activate your authorization.

Use the PDF button, which you will find at the top and bottom of the page on the right-hand side. Depending on the asset classes in your safekeeping account, individual pages can contain a large amount of information. To allow you to print this as well, the information is displayed in a reduced print version. The "Show All Details" link takes you to the page with all the detailed information.

You get the most recent values by choosing "Real-Time Positions" and recalculating. The selected option is saved for future use per portfolio/safekeeping account. Depending on the security, the values shown are real-time, delayed, from the previous day, or older. You can see the source of the price and the appropriate delay by moving the mouse over the "Last Price" or "Price" field. The information is also available in the detailed pop-up window.

Regulatory reasons prevent us from offering and providing details of all funds on the internet. Please contact your Relationship Manager for additional information.

You can create a template for recurring payments with different amounts or payment dates. The easiest way is to save the beneficiary information when entering the first payment under “Single Payments”. Then select a folder from “Save as Template” before clicking on “Next”. You can save and manage these templates in folders you create yourself. You can then modify and
execute future payments simply by going to “Manage Payments” and “Templates/Lists”. The template is always stored under the beneficiary’s name.

Online Banking always takes the first account as the account to be debited for payment orders. You can choose a different account as the standard account to be debited for payment orders by going to “My Profile” and then “Settings” and “Payments”.

Account transfers can be issued up to 21:00 on the day of execution free of charge. Payment orders can be issued up to 07:00 on the day of execution. Payment orders for single execution can be modified or deleted up until 24:00 on the day before execution.

Payments entered in Online Banking can be modified or deleted directly in the “Administer payments” menu under “Payments overview”.

In the Client Center, under "Settings" you can select the navigation item "Payments" to set your maximum payment amount.

You can only debit your savings account in Online Banking with an internal transfer to another account. The account to be credited must be included in the same Online Banking contract.

Charges for Online Banking payments for private clients/corporate clients can be found in the Table of Fees and commissions (PDF) .

Follow the SEPA transfer standards for economical payments within the EU/EEA:

• EUR transactions within the EU/EEA region
• IBAN (International Bank Account Number) of the beneficiary
• BIC (Bank Identifier Code) or details of the beneficiary bank for payments outside Luxembourg
• No payment routing parameters
• No message to the bank
• “Shared Charges” option (Shared, SHA)

Payment instructions can be viewed for 45 days in Online Banking under “Administer Payments”. All older payment details can be requested from your Relationship Manager.

Execution day refers to the day on which the payment order is processed. The value date is the day from which interest is calculated for debit and credit items.

This function allows you to see which user issued, modified, approved or deleted an order and when. “Show Process” displays this information, and “Hide Process” conceals it again.

The following types of security are allowed using Online Banking:

• Equities
• Bonds
• Warrants
• Investment funds
• Call and put options
• Rights
• ETFs

The cost of a securities order varies according to the volume, stock exchange, and type of security. You will find an overview of prices in the Table of Fees and Commissions.

Market order A market order is executed at the best bid or ask price available on the order book at the time of entry.

Limit order With a limit order, the client sets a price for the purchase or sale of the securities.

On stop order As soon as the trigger price is reached, a stop limit order becomes a normal limit order.
An on stop order is a purchase order, which must be executed immediately the security reaches a certain price level. As soon as the trigger price is reached, the order is executed at market.

Stop loss order A stop loss order is a limited sell order. If the trigger price is reached, the order is converted into a market order and executed at the next best price.

Stop limit order Once the trigger price is reached, a stop limit order becomes a standard limited order.

It is possible to enter a limit for investment funds that are traded in the secondary market (officially traded on a stock exchange). It is not possible to enter a limit for investment funds that are traded in the primary market (purchase/sale of a new issue, or issues/redemptions).

Each fund has its own specific daily time limit for the acceptance of orders, which is set by the market and settlement. The time limits for order entry are listed in “Fund Lab” under “Purchases & Sales”.

No, these cannot be canceled via Online Banking.

Under Market Data, you can find securities investments of almost 200 stock exchanges with all relevant financial information, charts.

We offer three stock exchanges with real-time quotes: SIX Swiss Exchange, SIX Swiss Exchange Blue Chip, and Scoach.

If a financial instrument is not activated in our systems, it will not be shown in our application. It is also possible that regulatory reasons prevent us from providing details of some financial instruments online. For additional information, please contact your Relationship Manager.

This is the security number that is used in Switzerland to identify a financial instrument.

The ticker is a code used on a stock exchange to identify a financial instrument. Each stock exchange has its own ticker for each financial instrument.

ISIN is the abbreviation for International Security Identification Number. This alphanumeric code is used to identify a financial instrument worldwide.

RIC is the abbreviation for Reuters Identification Code. This code, specific to Reuters, is generally composed of a company identifier code and a stock exchange code, separated by a point. Example: CSGN.VX is the RIC for Credit Suisse shares traded on the SWX Europe Limited exchange. For an index, the RIC always starts with a decimal point, followed by an abbreviation. Example: ".SSMI" is the RIC for the SMI.