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?

We may impose a charge of 1% per month (minimum CHF1.25) on the amount of the arrears, which will be debited and compounded in the same manner as the interest charge.

How can I avoid these fees and charges?

• You will avoid these charges by keeping your repayments up to date. If you are having difficulties doing this call us 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)