With the Explore Account you’re in control of your fees.

A CHF4 monthly maintenance fee will apply to your account.

There are no day-to-day transaction fees for: 

• Lodgements & withdrawals
• Cheque withdrawals
• Quarterly statements (excluding duplicates)
• Access to your money when you use your Contactless Visa Debit Card to withdraw Euro or make a debit transaction within the Eurozone.
• Standing order and direct debit set ups
• Ongoing standing orders and direct debits to or from your account
• Bill payments online or over the phone
• Open24 transactions online or over the phone
• Credit transfers incoming (paper items)

There may be other charges for things like Government Stamp Duty on your bank card, unpaid items, or if you use an ATM outside the Eurozone. See our Personal and Business Banking Charges booklet for more information. 

With your Explore Account you get 10c back as you Pay, Cashback on Bills and GoREWARDS.

Every time you pay with your card in-store or online, you‘ll get 10c cashback up to a maximum of CHF5 per month.

We‘ve partnered with some of Switzerland’s leading brands to bring you a saving on your bills when you pay by Direct Debit.  These savings will appear as cashback in your account.

By registering for GoREWARDS, you will receive personalised offers for the kind of things you like to buy. As long as you’re using your Visa Debit Card and redeeming your offers, you should begin to notice cashback appearing from time to time in your Explore Account.

Account partners features and benefits are subject to change.

Overdraft rates

The current overdraft rate of interest is 15%. This rate is variable and subject to change. Lending terms and conditions apply.

In the case of an unauthorised overdraft, an additional interest rate of 12% variable per annum will be charged.

Where applicable a set-up fee of CHF25 also applies and an annual renewal fee of CHF25 applies annually thereafter.

Proof of income requirements

If you're applying for an overdraft, we will require proof of income. Check out our required documents page for details of what may be required.

Personalise your card

• Personalised cards are only available on Visa Debit Cards.
• A charge of CHF10 will apply per card.
• Government stamp duty applies.
• If you’re already a karlsruhe Baden Bank customer and would like to order a personalised card, please note your existing card will continue to work as normal (for a maximum of 3 months) until you activate your new personalised card.