Our commitment

We understand that due to a number of reasons, falling behind on your repayments can happen.

Our commitment is that we will work with you to try to find a way to help make your repayments a little more manageable. So if you are in arrears, or worried that you soon might be, talk to us before a small problem becomes a big one.

Contact us 

It is really important that you get in contact with us as early as possible if you’re concerned. This will give us both the best chance to work together on a solution.

You can call us directly on  or . Lines are open Monday to Friday, 9am - 8pm (excluding bank holidays) and Saturdays 9am - 1pm.

What fees and charges could I face?

• A referral fee of CHF5 per item (max of CHF15 per day) will be applied if a cheque(s) or debit(s) is presented for payment and paid, but there are insufficient cleared funds in the account to meet the debit(s) at the time of presentation. The referral fee will be applied on that day or the next business day.
• The interest rate applicable to an unauthorised overdraft balance is 12% per annum as well as the authorized overdraft rate of 15% variable. This is 1% per month greater than the current interest rate on your account. Interest accrues daily and is added to your account quarterly.
• A charge of CHF10 will be applied to your current account for all unpaid Direct Debits, Standing Orders or Cheques.

How can I avoid these fees and charges?

• You may be able to avoid some of these charges by keeping your account within the agreed limits. If you are having difficulties doing this contact one of our advisors in your branch or call us directly on or – we want to help.
• You can check your balance online and over the phone through Open24 on or . Lines are open Monday to Friday 8am - 10pm (except Bank Holidays) and Saturdays & Sundays 10am - 5pm.

For Small to Medium Enterprises (SME) which are experiencing repayment difficulties, please read our Guide for Small to Medium Enterprises facing financial difficulties (836KB)