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Payments Transactions

Learn more about our wide range of payment options and how to send and receive payments to and from your account.

Our Solutions for Your Payments

This page provides you with an overview of the various payment transaction channels, our products for incoming and outgoing payments, the Cash Manager, as well as the harmonization of payment transactions in Switzerland.

Here you will find the current prices and conditions for private clients.

We offer the right channel for every need.

Online Banking

The most secure and convenient method of making payments is to use our Online Banking service. You can request all types of payments and standing orders wherever you are and whenever you wish. You can also find a complete, up-to-date overview of all your transactions and assets.

Mobile Banking

Simple, secure, and free – keep track of your finances anytime, anywhere with the Mobile Banking app from Credit Suisse.

Conventional payment transaction channels

Use deposit slips with the multi-payment order for individual payments, or the form for standing orders in the case of regularly recurring payments.

Find the right solution for your payments.

Standard orders

With standard payment orders / standing orders, you send us the instructions once and can count on us to handle the rest. Standing orders are designed for regular transfers to the same recipients with fixed amounts and dates.

E-bill

Electronic billing is replacing conventional paper-based invoicing. With e-bills, you can receive, check, and pay your bills in Swiss francs and euros directly using our Online Banking tool anywhere in Switzerland.

Direct debit (LSV+/BDD)

With direct debit, you can automatically pay your regular invoices in Swiss francs or euros in different or identical amounts, without having to take action each time. Ask your biller if it offers LSV+/BDD. Payments are made reliably and on time. LSV+ gives you 30 days after payment advice to dispute a charge if you disagree with it. Business Direct Debit (BDD) is a direct debit procedure for Business-to-Business (B2B) and does not offer a dispute option.

Payment slips

Use red or orange payment slips for individual payments within Switzerland. The multi-payment order allows you to submit all types of Swiss payment slips in Swiss francs and euros.

SEPA transfer

As a Credit Suisse client, you can use SEPA Credit Transfer to quickly and economically pay your bills in euros in the EU/EEA.

SEPA direct debit

Since November 2, 2009, Credit Suisse has offered the basic SEPA direct debit procedure. This procedure enables you to make cross-border payments for goods and services in euros in EU/EEA countries, as well as in Switzerland and Monaco. You can conveniently make either single or regular direct debit payments via your Credit Suisse account.

Learn more about the range of products for incoming payments.

Red payment slip

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

Orange payment slip / BESR

Take advantage of our BESR products and benefit from simple billing and efficient management of your outstanding receivables.

BESR Easy

Take advantage of BESR Easy and benefit from simple billing and efficient management of your outstanding receivables. BESR Easy is a cheaper alternative to the red payment slip.

Direct debit (LSV+/BDD)

LSV+/BDD offer rapid and secure processing of your recurring variable receivables in Swiss francs and euros within Switzerland.

Would you like to benefit from the higher interest rate of a savings account, but not forego the advantages of having a private account?

Cash Manager is the ideal instrument

Cash Manager is the perfect instrument for combining both advantages in the most convenient way. Excess liquidity is simply transferred to the savings account, where the assets earn a higher rate of interest.

Cash Manager looks after your liquidity

Cash Manager has the task of checking the individual basic amount that you have specified, and of transferring the corresponding amount from your private or current account into your savings account. If the balance in your private or current account should fall below the target balance, Cash Manager will automatically make a transfer from your savings account, and you will continue to have the liquidity you desire. You specify your individual basic amount (at least CHF 200) and the frequency of execution that you would like be it weekly, bi-weekly, or monthly and Cash Manager will look after the rest, helping you to accrue interest-based savings. What's more, there's no charge.

Benefits at a glance

  • Convenient and free modern cash management
  • Maximization of interest on savings
  • Liquidity ensured at all times
  • Select the frequency that suits your needs

Would you like the free Cash Manager to be set up for you? You can contact our advisors at tel. 0848 880 844.

Harmonization of Payment Transaction

We support you professionally during your migration to SEPA/XML

Beginning on February 1, 2014, Europe has started to migrate national payment transaction processes to SEPA (Single Euro Payments Area) and therefore to the new ISO 20022 standard. Switzerland, too, will standardize national corresponding payment transactions by 2018. The ISO 20022 standard creates new, uniform formats for financial messages, among other things. One of the advantages of these formats is that processing becomes more efficient for all market participants.

Harmonization of payment transactions in Switzerland

Following the mandatory introduction of SEPA in Europe, the ISO 20022 standard is also gaining considerable significance at an international level. The Swiss financial center has therefore decided that it, too, will harmonize payment transaction processes and switch to the ISO 20022 standard. This should achieve the following objectives:

  • Reduce the number of different processes
  • Use a uniform technological standard
  • Ensure harmonization with European rules

What does it mean for you, as a Credit Suisse client?

  • To ensure your transition to the new standard is as smooth as possible, Credit Suisse will support its current payment transaction methods and systems until at least 2018.
  • This means that, during this transition period, you will still be able to use the payment order formats currently used in Switzerland.

How Can You Benefit from Harmonized Payment Transactions?

  • Unique account numbers in IBAN format for all Swiss payments result in faster availability of funds and fewer costs, since typographical errors are reduced, and therefore also the number of questions and rejections received from banks
  • Standard validation of your file deliveries for all financial institutions increases the processing quality and leads to easier handling for recurring payments

You can find further useful information on the harmonization of payment transactions on the following page. 

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