General Terms & Conditions
General terms and conditions of our products and services.
The following terms and conditions relating to the products and services govern the relationship between you as the client and us as the Bank.
General information regarding the opening of a business relationship
| Regulation | Details |
|---|---|
| General Conditions | Download document (PDF, 2 MB) |
| Terms and Conditions for Payment Services | Download document (PDF, 536 KB) |
| Customer information in order to avoid loss of contact and dormant assets | Download document (PDF, 127 KB) |
| Switzerland's Consumer Credit Act | Download document (PDF, 137 KB) |
| Client information on the Swiss deposit insurance | Download document (PDF, 246 KB) |
| Terms of use for electronic communication | Download document (PDF, 127 KB) |
Digital Banking Services
| Regulation | Details |
|---|---|
| Special Conditions for Digital Banking Services (January 2025) (Applies for eBanking and eBanking mobile and for info app) |
Download document (PDF, 207 KB) |
| Special Conditions for Digital Banking Services (November 2019) (Applies for eBanking and eBanking mobile and for info app) |
Download document (PDF, 182 KB) |
| Special Terms and Conditions of Use for the Online Meeting Service | Download document (PDF, 158 KB) |
| Terms and conditions of use for software connections via API | Download document (PDF, 153 KB) |
| Service fee for bLink | Download document (PDF, 126 KB) |
| Terms of Use for the Multibanking with eBanking of Zürcher Kantonalbank |
Download document (PDF, 75 KB) |
| Special Terms of Use for Mobile Payment by Wallet with the ZKB Visa Debit Card | Download document (PDF, 149 KB) |
Accounts
| Regulation | Details |
|---|---|
| Terms and Conditions Governing Private Accounts | Download document (PDF, 128 KB) |
| Terms and Conditions Governing Savings Accounts | Download document (PDF, 127 KB) |
| Terms and Conditions Governing ZKB Environmental Savings Account | Download document (PDF, 509 KB) |
| Terms and Conditions Governing ZKB Environmental Savings Account (2025) | Download document (PDF, 125 KB) |
| Bestimmungen für ZKB Anlagekonten für Personalvorsorge (German only) | Download document (PDF, 489 KB) |
| Terms and Conditions Governing ZKB Metal Accounts | Download document (PDF, 87 KB) |
| Special Terms and Conditions Governing the ZKB young Package | Download document (PDF, 109 KB) |
| Special Terms and Conditions Governing the ZKB student Package | Download document (PDF, 121 KB) |
Cards
| Regulation | Details |
|---|---|
| Conditions for the ZKB Visa Debit Card | Download document (PDF, 158 KB) |
Terms and Conditions for the ZKB Customer card with PIN
|
Download document (PDF, 150 KB) |
| Terms and Conditions for the ZKB Customer card without PIN | Download document (PDF, 128 KB) |
Custody Accounts
| Regulations | Details |
|---|---|
| General Conditions for Safe Custody Accounts | Download document (PDF, 2 MB) |
| Information sheet «Compensation from Third Parties – Sales Commissions and other Monetary Benefits» |
Download document (PDF, 2 MB) |
| Special Risks in Securities Trading | Download document (PDF, 329 KB) |
| US Federal Estate Tax | Download document (PDF, 59 KB) |
| Price Overview for Investments | Download document (PDF, 172 KB) |
| Shareholder Rights Directive II | Download document (PDF, 116 KB) |
Price Summary and Conditions
| Regulations | Details |
|---|---|
| Price summary and terms for private clients | Download document (PDF, 562 KB) |
| Overview of fees for corporate and institutional clients | Download document (PDF, 678 KB) |
| Fund Portfolio | Download document (PDF, 140 KB) |
| Price List for ZKB Autosafes | Download document (PDF, 122 KB) |
| Price List for ZKB Safe-Deposit Boxes | Download document (PDF, 122 KB) |
| Schedule of Fees Tax Reclaim | Download document (PDF, 117 KB) |
Exemplary cost information MiFID
| Regulations | Details |
|---|---|
| Exemplary cost information Portfolio Consulting International | Download document (PDF, 156 KB) |
| Exemplary cost information Portfolio Consulting Expert, Premium, Classic | Download document (PDF, 158 KB) |
Pension
| Regulations | Details |
|---|---|
| Terms and Conditions Governing ZKB Pillar 3 | Download document (PDF, 142 KB) |
| Terms and Conditions Governing frankly Pillar 3 | Download document (PDF, 140 KB) |
| Terms and Conditions Governing ZKB Vested Benefits Account | Download document (PDF, 139 KB) |
| Terms and Conditions Governing ZKB Vested Benefits Account II | Download document (PDF, 138 KB) |
| Terms and Conditions Governing frankly Vested Benefits Account | Download document (PDF, 139 KB) |
| Privacy Policy Governing ZKB frankly | Download document (PDF, 128 KB) |
| Privacy Policy Governing ZKB Pillar 3 | Download document (PDF, 139 KB) |
| Privacy Policy Governing ZKB Vested Benefits Account | Download document (PDF, 140 KB) |
| Duty Of Confidentiality frankly | Download document (PDF, 57 KB) |
| Privacy Policy Governing ZKB Vested Benefits Account | Download document (PDF, 154 KB) |
Last updated: November 2024