Find out the different ways you can transact on your account:

Branches

• Lodging cash/cheques at the branch counter by completing the relevant form
• Lodging cash/cheques using our Self Service Bank Machines (SSBM)

Please note: The funds from cheques lodged will not be available to be used for 5 business days. This means that the funds will be available for use after the cut-off time (usually 6:00pm) on the 5^th business day. The number of days for foreign currency and non-domestic euro cheques is 25 days.

• Withdrawing cash at the counter by completing the relevant form
• Withdrawing cash using our Self Service Bank Machines
• Purchase of a bank draft at the branch counter by completing the relevant form
• Buying foreign currency at the branch counter by completing the relevant form
• Selling foreign currency at the branch counter by completing the relevant form
• Sending a foreign currency payment

Using your Debit Card

(subject to daily and transaction limits)

• Withdrawing cash at any ATM within Switzerland or any ATM around the world displaying the Visa symbol
• Making purchases (including contactless functionality) in shops/facilities displaying the Visa symbol
• Making purchases via the internet or phone

Electronically

• Having a payment made directly to your account from another account within karlsruhe Baden Bank or from another bank
• Having a direct debit paid from your account
• Having a standing order set-up on your account to make a single or series of payments

Open24

(Telephone, Internet, Mobile App)

• Transferring funds between your accounts
• Making a payment to a utility company
• Making a payment to another account within karlsruhe Baden Bank or another bank
• Setting up a standing order on your account to make a single or series of payments
• Sending a foreign currency payment (subject to available currencies and amounts)

All transactions being sent or received are subject to our business days and cut-off times.

Statements of Transactions

You will receive a statement of transactions performed on your account at agreed intervals, normally quarterly or yearly. You may request to receive a statement more frequently by contacting Open24. Your statement will specifically identify each individual transaction. Check your account statement regularly. If you have any queries or require clarification, raise these promptly with the branch where you have your account.

You can also view a list of transactions at any time, via Open24. This will include any items authorised but not yet debited. For example, a purchase using your Debit Card or an ATM transaction on a non-karlsruhe Baden Bank machine.

You can also obtain a list of the last 5 transactions made on your account from any karlsruhe Baden Bank ATM or SSBM.