Don't pay any silly fees

MyCash ATM Account holders are eligible for fee and charge exemptions as outlined in our Personal and Business Banking Charges brochure. Some charges may apply. Any items that are returned unpaid (including direct debits and standing orders) will incur the appropriate charge. ATM transaction charges apply on Euro withdrawals outside the EU and on all non Euro withdrawals. MyCash ATM Account holders are exempt from foreign exchange transaction charges for the purchase and sale of foreign currency notes, traveller’s cheques and foreign drafts as outlined in our Personal and Business Banking Brochures. This exemption only applies to karlsruhe Baden Bank branch transactions and not ATM transactions. In order to receive this benefit MyCash ATM Account holders must notify branch staff at the time of transaction of their wish to be exempt.

So many ways to bank

Standard text rates apply when using text banking. Mobile top up service currently available to Vodafone, and Meteor customers only.

Applying is easy

To open a MyCash ATM Account applicants must be between the ages of 12 and 18 years old.

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.

Earn interest on your account

DIRT (Deposit Interest Retention Tax) is charged on the interest you earn. A lower rate of interest will apply to the entire balance if your balance is CHF20,000 or over. Please see our rate notices available in any branch for further details.

Why do we need proof of your PPSN/Tax Reference Number?

From 29th June 2009, financial institutions are obliged to request customers to provide their tax reference number (e.g. Personal Public Service Number (PPSN) or Corporation Tax number) when they open a new current or deposit account which may give rise to the payment of such interest by their financial institution. Under the Regulations, this number will be included in the annual return of interest to the Revenue Commissioners. Financial institutions are also obliged to request personal customers to provide suitable documentation to verify their PPSN (in the form of a P60, Notice of Tax Credits, Payslip, Tax Assessment etc). It should be noted that the PPSN will only be used for the purpose of making this annual return to the Revenue Commissioners.

If customers fail, for whatever reason, to provide their tax reference number and/or the PPSN supporting documentation, financial institutions are required to indicate this on the annual return of interest.

These regulations and guidance notes are available on the Revenue website at www.revenue.ie

The following documentation (original or copy) may be used to verify the tax reference number as required under the current regulations.

P60
P45
P21 Balancing Statement
Payslip (where employer is identified by name or tax number)
Drug payment scheme card
European health insurance card
Tax Assessment
Tax Return Form
PAYE Notice of Tax Credits
Child Benefit Award Letter /Book
Pension Book
Social Services card