Payments & Direct Debits

The International Bank Account Number (IBAN) is an international standard for indicating your account number. The standard allows the number to be verified worldwide. At Credit Suisse, you have the option of ordering a personalized IBAN.

QR-bill

The QR-bill is the next milestone on the road to digitalization, allowing bills to be issued efficiently and error free.

QR-bill with a QR-IBAN and structured reference

This version is based on the ISR process and offers additional benefits. The structured QR reference has the same design as the ISR reference. It is used in conjunction with the payee's QR-IBAN. The six-digit internal participant number in the reference is omitted. The QR-IBAN is characterized by its special IID (institution identification/clearing number), which is used to identify the payment procedure.

QR-bill with IBAN and no reference
This variant is equivalent to the red payment slip, and is valid for bank transfers with or without a reason for payment. As is already the case, notification will take the form of a credit advice slip or a booking in the corresponding account statement.

QR-bill with IBAN and creditor reference
The third type of QR-bill supports the Structured Creditor Reference (SCOR), which is used in Europe in particular. This reference is an ISO standard, is used together with the IBAN, and can also be used for payment in SEPA.

BESR Easy: the low-cost alternative to the red payment slip

The BESR Easy billing slip is a low-cost alternative to the red payment slip and is suitable for private persons, associations, and SMEs with fewer than 100 incoming payments per month. Benefit from simple billing and efficient management of your outstanding receivables.

Orange payment slip

Take advantage of the orange payment slip with reference number (BESR) and benefit from simple billing and efficient management of your outstanding receivables.

The red payment slip is suitable for payment recipients who would like the name of the payer and the reason for the payment to be specified explicitly on their payment slips.

Simple, Quick, and Secure: Online & Mobile Banking from Credit Suisse

Take care of your banking business quickly, simply, and securely. Online & Mobile Banking from Credit Suisse allows you to stay on top of your finances at all times and conveniently process your transactions, including with your smartphone or tablet. With our smart payment assistant, you can make payments easily and quickly.

Learn more about Online & Mobile Banking

eBill allows you to receive your bills where you pay them: directly in Online Banking. This enables you to process your payments in an efficient, secure, and paperless manner. 

QR-bill
The QR-bill is the next milestone on the road to digitalization, allowing bills to be paid efficiently and error free.

At Credit Suisse, our worldwide network of correspondent banks and our technical infrastructure mean you can make payments to beneficiaries all over the world in the currency of your choice.

For EUR payments within the EU/EEA area, we recommend the use of the SEPA standard (Single Euro Payments Area), which means that you benefit from secure, low-cost, rapid processing. In addition, you can make one-time or recurring payments from your account at Credit Suisse simply and conveniently using the SEPA direct debit scheme.

With our standardized payment order form, you can submit all payments in Switzerland or abroad. For faster and more cost-effective payment processing, use Online & Mobile Banking.

Standing orders are designed for regular transfers to the same recipients with fixed amounts and dates. Use Online & Mobile Banking to set up a standing order easily and quickly.

With the direct debit scheme (LSV+), you can automatically pay your recurring bills in CHF or EUR with different amounts – or identical ones – without having to take action each time. Payments are made reliably and on time.

With the multi-payment order, you can simultaneously submit several red and orange payment slips in CHF and EUR for individual payments within Switzerland.

There are some currencies and countries with special rules and regulations regarding payments.