Switzerland Legal Documents and Notes
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Following completion of the merger of UBS AG and Credit Suisse AG, Credit Suisse AG’s business was transferred to UBS AG, and Credit Suisse AG ceased to exist. At this time however, the two entities did not operationally merge and, as a result, we continue to have two sets of operational infrastructure and processes during this transitionary period. Consequently UBS AG is now the sole parent entity and all direct subsidiaries of Credit Suisse AG have become direct subsidiaries of UBS AG, and all branches of Credit Suisse AG have been absorbed into existing or established as new branches of UBS AG (as the case may be). As such, Credit Suisse AG’s branches have been renamed as UBS Branches, with the exceptions of CSAG Shanghai and CSAG Taipei Securities.
Following completion of the merger of UBS Switzerland AG and Credit Suisse (Schweiz) AG, Credit Suisse (Schweiz) AG’s business was transferred to UBS Switzerland AG, and Credit Suisse (Schweiz) AG ceased to exist. At this time however, the two entities did not operationally merge and, as a result, we continue to have two sets of operational infrastructure and processes during this transitionary period.
Contractual Conditions and Notices for Products and Services
General Terms and Conditions
- General Conditions (GC) and Safe Custody Regulations (SCR) (PDF)
- Comparison of the current and future General Conditions of Credit Suisse (Switzerland) Ltd. (PDF)
- Information on the Disclosure of Client Data for Payment Transactions, for Transactions in Securities and Other Financial Instruments, and for Services, Especially with a Foreign Connection (PDF)
- Conditions for Payment Transactions (PDF)
- Foreign Exchange Disclosure Statement (PDF)
- Conditions Governing the Use of the Maestro Card (PDF)
- Conditions Governing the Use of Debit Cards (PDF)
- Terms and conditions for use of mobile payment solutions (PDF)
- Conditions for rental deposit account (PDF)
Lombard Lending
- Lombard Lending Brochure (PDF)
Banking Packages (Bonviva, Viva, Business Easy, Startup Easy)
- Terms and Conditions for Bonviva Banking Package (PDF)
- Terms and Conditions for the Viva Young/Viva Student Banking Package (PDF)
- Terms and Conditions for the Viva Kids Banking Package (PDF)
- Framework Agreement Startup Easy / Business Easy (PDF)
Securities Trading, Market data and Compensation
- Risks Involved in Trading Financial Instruments (PDF)
- SIX Financial Information Agreement (Agreement with SIX regarding the use of market data) (PDF)
- Remuneration (PDF)
Mortgages
- Information Brochure on Mortgage-Backed Credits (Mortgages) (PDF)
- Informational brochure on foreign currency loans (PDF)
Corporate Loans
- Information Brochure on Corporate Loans (PDF)
- Terms and conditions for the Business Easy Overdraft (PDF)
Online / Internet Banking (Platforms and Channels)
- Terms of Use and Agreement on Communication via Third Party Chat Platforms
(PDF, EN | PT) - Terms and Conditions for Online Banking (PDF)
- Terms and Conditions for E-Documents (PDF)
- Special Regulations Governing Communication by E-mail (PDF)
- Terms and Conditions of Use for the Credit Suisse TWINT App (PDF)
- Data Privacy Statement for the Credit Suisse TWINT App (PDF)
- Terms and Conditions of eBill (PDF)
- Terms of Use for Digital Services of Credit Suisse (PDF)
Pension Savings, and Investment Products
- Regulations on CREDIT SUISSE PRIVILEGIA Pillar 3 pension foundation (PDF)
- Regulations on CREDIT SUISSE Vested Benefits Foundation – 2nd Pillar (PDF)
- Terms and Conditions Investment Fund Savings Plan (PDF)
Additional Information
Deposit insurance
Are my deposits protected under the deposit insurance esisuisse? Yes, like any bank and any securities firm in Switzerland, Credit Suisse is required to sign the Self-regulation «Agreement between esisuisse and its members». This means clients' deposits are protected up to a maximum of CHF 100,000 per client. Medium-term notes held in the name of the bearer at the issuing bank are also considered deposits. Depositor protection in Switzerland is provided by esisuisse, and the depositor protection system is explained in detail at https://www.esisuisse.ch/en
Disclosure of Client Data
- Information on the Disclosure of Client Data in Connection with Discretionary Mandates (PDF)
- Information from the SBA Regarding the Disclosure of Client Details in Payment Transactions, Securities Transactions and Other Transaction Types in Connection with SWIFT (PDF)
- Information from the SBA regarding the disclosure of client data and other information in international payment transactions and investments in foreign securities (PDF)
- Automatic Exchange of Financial Account Information in Tax Matters (AEI)
- Conflicts of Interest (PDF)
- Foreign Account Tax Compliance Act (FATCA)
- Trade Finance – Information Leaflet (PDF)
- Information on the European Shareholder Rights Directive II (PDF)
- Privacy Statement / EAM Data Protection (PDF)
Certifications and Approvals
Conditions and Information regarding the use of the Website and Data Protection
Regulatory Disclosure
- Article 59 para. 4 FMIA – Legally Required Participant Disclosure for indirect participants of a Swiss CCP (PDF)
- Article 58 and 59 para. 4 FMIA – Legally Required Participant Cost Disclosure for indirect participants of a Swiss CCP (PDF)
- Article 73 para. 4 FMIA – Legally Required Participant Disclosure for indirect participants of Swiss CSD (PDF)
- Article 73 para. 4 FMIA – Legally Required Participant Cost Disclosure for indirect participants of Swiss CSD (PDF)
- ARTICLE 38 para. 6 CSDR
- ARTICLE 38 (6) CSDR
- MiFIR Article 30 – Clearing Member Risk Disclosure in relation to direct and indirect clearing services (PDF)
- MiFIR Article 30 – Direct Client Risk Disclosure in relation to indirect clearing services (PDF)
- MiFIR Article 30 - Account Segregation Cost Disclosure in relation to clearing services (PDF)
Other regulations
Contractual Conditions and Notices for Products and Services
General Terms and Conditions
- General Conditions (GC) and Safe Custody Regulations (SCR) (PDF)
- Information on the Disclosure of Client Data for Payment Transactions, for Transactions in Securities and Other Financial Instruments, and for Services, Especially with a Foreign Connection (PDF)
- Conditions for Payment Transactions (PDF)
- Foreign Exchange Disclosure Statement (PDF)
- Conditions Governing the Use of the Maestro Card (PDF)
- Conditions Governing the Use of Debit Cards (PDF)
- Terms and conditions for use of mobile payment solutions (PDF)
Lombard Lending
Securities Trading, Market data and Compensation
- Risks Involved in Trading Financial Instruments (PDF)
- SIX Financial Information Agreement (Agreement with SIX regarding the use of market data) (PDF)
- Remuneration (PDF)
Mortgages
- Information Brochure on Mortgage-Backed Credits (Mortgages) (PDF)
- Informational brochure on foreign currency loans (PDF)
Online Banking (Platforms and Channels)
- Terms and Conditions for Online Banking (PDF)
- Terms and Conditions for E-Documents (PDF)
- Special Regulations Governing Communication by E-mail (PDF)
- Terms of Use for Digital Services of Credit Suisse (PDF)
Additional Information
Deposit insurance
Are my deposits protected under the deposit insurance esisuisse? Yes, like any bank and any securities firm in Switzerland, Credit Suisse is required to sign the Self-regulation «Agreement between esisuisse and its members». This means clients' deposits are protected up to a maximum of CHF 100,000 per client. Medium-term notes held in the name of the bearer at the issuing bank are also considered deposits. Depositor protection in Switzerland is provided by esisuisse, and the depositor protection system is explained in detail at https://www.esisuisse.ch/en
Disclosure of Client Data
- Information on the Disclosure of Client Data in Connection with Discretionary Mandates (PDF)
- Information from the SBA Regarding the Disclosure of Client Details in Payment Transactions, Securities Transactions and Other Transaction Types in Connection with SWIFT (PDF)
- Information from the SBA regarding the disclosure of client data and other information in international payment transactions and investments in foreign securities (PDF)
- Automatic Exchange of Financial Account Information in Tax Matters (AEI)
- Conflicts of Interest (PDF)
- Foreign Account Tax Compliance Act (FATCA)
- Trade Finance – Information Leaflet (PDF)
- Information on the European Shareholder Rights Directive II (PDF)
- Privacy Statement / EAM Data Protection (PDF)
Certifications and Approvals
Conditions and Information regarding the use of the Website and Data Protection
Regulatory Disclosure
- Article 73 para. 4 FMIA – Legally Required Participant Disclosure for indirect participants of Swiss CSD (PDF)
- Article 73 para. 4 FMIA – Legally Required Participant Cost Disclosure for indirect participants of Swiss CSD (PDF)
- MiFIR Article 30 – Direct Client Risk Disclosure in relation to indirect clearing services (PDF)
- MiFIR Article 30 - Account Segregation Cost Disclosure in relation to clearing services (PDF)
Other regulations
- Privacy Statement (PDF)
- Cookie Policy
Conditions and Information regarding Data Protection
- Terms & Conditions of Business (PDF)