Online & Mobile Banking FAQ Online Banking
FAQ Online Banking
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 have each credit booked separately (including the sender's details), please contact your client service team. Unfortunately, if you receive a cash payment made using a red payment slip at the post office counter, we are not able to display the details directly in the bookings. Details are available at a later time as an e-document or paper record.
You can make a request to your client advisor if you would like to have 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.
Online Banking currently includes Bonviva credit cards, i.e. credit cards belonging to a Bonviva Platinum, Bonviva Gold, or Bonviva Silver package. Principal cardholders can see their principal cards and all related additional cards, including transactions, in Online Banking. At present, additional cardholders cannot access their additional cards in Online Banking. Please ensure that you are the principal cardholder.
Information on your Bonviva credit cards can be called up online under "Accounts & Assets."
All transactions can be seen in Online Banking two working days after the day on which they were made.
- Full transparency when it comes to credit card expenses
- No separate login required
- Detailed information on foreign currency transactions, including the exchange rate and processing fee
- Customizable search functionality
- Attractive data export options
- Access around the world and around the clock
A major risk faced by card users is skimming, or the copying of card data at manipulated ATMs and then fraudulent cash withdrawals. Cash withdrawals are made mostly in countries with low security standards at ATMs. You can therefore select your own country settings in the Online Banking system. You decide in which countries your Maestro card is blocked or authorized and thereby limit the potential for fraud.
Yes, the following countries are not included in the list of countries: Iran, Syria, Cuba, Myanmar, Sudan, and North Korea. These countries have no acceptance points for Maestro cards and are therefore not included in the list of options for country settings.
The mortgage overview can be found under “Mortgages” in the “Account and Assets” tab.
- Fix mortgage (2–12 years)
- Forward fix mortgage (2–12 years)
- Flex rollover mortgage (1–3 years framework term)
For other terms, please contact your client advisor.
For the time being, only a conversion from a Fix to a Forward fix mortgage (or vice versa) is possible.
The Flex rollover mortgage can only be extended to the end of the framework term. For the extension, a new framework term (1–3 years) and a uniform tranche term (1, 2, 3, 6, or 12 months) for the entire framework term must be selected.
Our experts’ mortgage interest rate forecasts can be found under the “Define term and interest rate” tab.
Your online interest rate is tailored to your personal client profile.
You will find information on your regular direct repayments.
The following information is displayed:
- Amortization type
- Next due date
- Amount due
- Debit account (if available)
- Any suspensions
Yes, the amount is automatically transferred from the mortgage to be extended and cannot be adjusted. All future repayments are already taken into account. If you wish to make an adjustment, please contact your client advisor.
Yes, all amortization details will be transferred. If you would like to make a change to the amortization, please contact your client advisor.
By clicking “Conclude extension” and the mortgage extension confirmation that subsequently appears on the screen (“Thank you for your mortgage extension”), a binding product agreement is concluded between the borrower and the bank.
The online extension is binding. In the event of early termination before the end of the agreed term or overall term, a substantial early repayment penalty may be payable in addition to a lump-sum fee for administration and expenses (see detailed provisions in the applicable Framework Agreement for Mortgage-Backed Credit).
In the Remarks column, you will see the information “extended.”
a. Your current mortgage cannot yet be extended. Depending on the product, an extension is possible up to a maximum of 24 months in advance.
b. We review the framework conditions and possibility of an online extension for you and provide you with a corresponding selection in Online Banking.
No, only the borrower himself can extend a mortgage online.
Only co-holders of a joint banking relationship with individual signatory authority can extend mortgages online. In contrast, co-holders of a joint banking relationship with only collective signatory authority are not permitted to extend mortgages online.
It is possible that the client relationship on which the mortgage runs has not been activated in your Online Banking Agreement. Please contact your relationship manager to make the adjustment.
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 "Swiss 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 included. To do this, choose the option "Display safekeeping account positions only" and then recalculate. To make changes in the portfolio elements, please contact your client service team.
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.
Either the current average price (real-time view) or the average price on the evening of the chosen valuation date is used for the valuation. A valuation takes place every evening from Monday to Friday as part of the end-of-day processing. The historical prices at the weekend correspond to the final prices on Friday, except when it is the end of a month. If it is the end of a month (last day), a valuation is always made additionally as part of end-of-day processing.
"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 indicates when the nominal values are likely to mature. Maturities of more than or less than one year are differentiated. On this page, you can also see the anticipated income (e.g. expected dividend payments), if you use the maturity analysis with real-time valuation (select valuation type under the positions menu item).
Please contact your client advisor, 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 client advisor for additional information.
Your bills are available for a maximum of three months after payment. We recommend that you save a copy of your bills yourself.
There is no charge for an electronic bill, apart from the usual Online Banking payment transaction fees.
This is quite simple for users of Online Banking: In order to receive your bills electronically, register in Online Banking under "E-Bills" for this service, as follows:
- Accept the terms and conditions of use
- Register with PayNet
- Register with the billers
De-register in Online Banking with the appropriate biller, and you will receive their bills in paper format again.
E-bills are available to all clients domiciled in Switzerland. Address data can be changed under "Payments", "E-bills", "Administration > Profile". Please make name changes by telephone using the Online Banking hotline.
Payment Templates & Standing Orders
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.
You can set up recurring payments for the same amount and execution date by creating a standing order in Online Banking. You can choose from a variety of payment frequencies, e.g. monthly, quarterly, annually, and many others. The easiest way to create a standing order is to click on the top right-hand link "Standing order" when making a payment.
You also have the option to stop execution of a standing order for a certain period of time or to use an existing order to trigger additional individual payments.
You can see all standing orders that you have set up in Online Banking, by letter, or by form and you can change or delete these.
Since November 20, 2016, Credit Suisse (Switzerland) Ltd. is a legally independent bank. In line with normal market practice, from this date all payments from Credit Suisse (Switzerland) Ltd. to Credit Suisse AG or Neue Aargauer Bank and vice-versa are executed as domestic payments. Our existing value-dating provisions and conditions apply to these payments.
As a client in Switzerland, you can pay your bills in three easy steps:
1. Log in
Log in with your personal Online Banking user information.
Hold your iPhone's camera over the code line in the white area at the very bottom of your orange payment slip. The scanning process is completed automatically.
After scanning is complete, your payment details are displayed. Please check them and add further information if necessary – then complete your transfer.
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. Payments for same-day execution can be issued from 07:00 - 14:00 (as a single payment) and from 07:00 - 12:00 (TeleDTA/file) as "Express". Express payments incur charges and can no longer be modified or deleted.
Payment orders for single execution can be modified or deleted up until 24:00 on the day before execution.
Standing orders are generally processed one or two bank working days before the requested execution date from around 17:00 (depends on the currency and working days/weekends/public holidays). You cannot make any changes or deletions during this processing. You can only change or delete a standing order for the next execution date after processing.
Payments entered in Online Banking can be modified or deleted directly in the "Administer payments" menu under "Payments overview."
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.
The "Express" function allows urgent payments to be executed on the same day. Single payments from 07:00 - 14:00 and file transfer payments (DTA) from 07:00 - 12:00. Express payments incur charges and can no longer be modified or deleted. Cut-off times PDF (250 KB)
Instructions for payments within Credit Suisse can be issued up to 21:00 on the same day. Simply input the current date as the execution date.
Charges for Online Banking payments for private clients/corporate clients can be found under the following links:
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) of the beneficiary bank
- No payment routing parameters
- No message to the bank
- "Shared Charges" option (Shared, SHA)
- No express payment function
Payment instructions can be viewed for 45 days in Online Banking under "Administer Payments". All older payment details can be requested from your client advisor or the client services team.
At some gas stations, if you pay with your Maestro card, the offline limit is provisionally shown as CHF 130.00 or CHF 150.00. It may take a few days before the electronic payment is fully processed and the right amount is displayed. The bank cannot speed up the correction.
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.
Payers with large transaction volumes can issue payment orders in DTA (data carrier exchange) format. Individual payments can also be entered in accounting software (e.g. SAP, Abacus, etc.). The DTA files thus created can be transferred to Credit Suisse for execution using the menu item "TeleDTA". Credit Suisse also offers similar software to its clients for download free of charge. Additional information can be viewed on the "Additional Software" page.
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.
Using bank payment slips with reference numbers (BESRs) rationalizes and makes control of incoming payments and accounts receivable accounting significantly easier.
The procedure is based on the use of payment slips, which can be read optically and include identification of the payer in the reference number in the encoding line. Credit Suisse creates a standardized credit record, which can be processed automatically using standard accounts receivable programs available in the market.
The following types of security are allowed using Online Banking:
- Investment funds
- Call and put options
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 Conditions for Investment Transactions PDF (214 KB) below.
A market order is executed at the best bid or ask price available on the order book at the time of entry.
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 and analyses.
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 our hotline.
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.
Virtual Portfolio/Watch List
You have the option in Online Banking to put together a virtual portfolio. You can add positions in equities, bonds, funds, options, warrants, and futures to simulate purchases of such securities. You can also load indices in the virtual portfolio for information purposes. The positions are easy to monitor and various information and performance figures can be monitored online. You can also choose to receive security alerts and periodic alerts via SMS and/or email. Depending upon your requirements, you can choose up to ten different layouts from among more than ninety fields. As a starting package we offer you three pre-defined layouts: basic, standard, and trading.
You have the option to put together a favorites list (watch list) in Online Banking. You can add positions in equities, bonds, funds, options, warrants, and futures to simulate an overview of purchases of such securities. You can also choose to receive security alerts and periodic alerts via SMS and/or email. Depending upon your requirements, you can choose up to ten different layouts from among more than ninety fields. As a starting package we offer one pre-defined layout (basic).
With the watch list, you can monitor selected securities. The virtual portfolio offers the additional possibility of calculating the performance of the security using the cost and purchase date.
You have the option to be notified, free of charge, up to four times a day at specific times via email and/or SMS regarding the current status of your portfolio or watch list.
You have the option to receive up to six alerts (threshold limits) per security (three upper and three lower limits) free of charge via email and/or SMS as soon as the price has broken through the limit.
Research is a new range of information in Online Banking, whereby publications, recommendations, and information on the economy are made available to clients free of charge.
Analyses relate mainly to equities and bonds. Individual reports on alternative investment ideas are also published. The focus is on economic developments in Switzerland and also internationally.
The client can subscribe to selected publications and recommendations from the wide range of research offered by Credit Suisse and receive information about new publications.
There is the option to receive information by email. You can either receive an email immediately after the new publication, or one email per day listing all the new publications. The e-mail alert can be deactivated if you wish, but the new publications will continue to be sent to your inbox.
Research publications in Online Banking are available in German and English, and some are also available in French, Italian, Spanish, Arabic, and Chinese. If the corresponding report is not available in your language, the English version will be displayed.
In the "Product Offering" section, you will find a number of online applications for Credit Suisse products. You can use them to apply, for instance, for one of our Bonviva Banking Packages, a new savings account, or a 3rd pillar pension account from the comfort of your home.