Please click below to read our:

1. Terms of Business
2. Distance Marketing - Credit Cards
3. Terms and Conditions
4. Data Protection Notice
5. Access to Personal Data notice

Terms of Business

Terms of Business (88KB)

Distance Marketing - Credit Cards

Note: this information document applies to you if you have dealt with us at a distance e.g. phone, internet, post. In other words where there is no face to face contact between you and us.

This information is supplied to you in accordance with our obligations under the European communities (distance marketing of consumer financial services) regulations 2004 (as amended, re-enacted or replaced from time to time). It should be read in conjunction with the terms and conditions applicable to your account as they contain important additional information about who we are, the types of financial services that we offer, our charges and how to make a complaint.

Taxes and Additional Costs

karlsruhe Baden Bank is obliged to deduct government stamp duty (currently CHF30 per account) from your account on the 1st April each year in respect of the previous 12 months or when you close your account.

There may be additional costs or taxes payable by you which are not paid by us or imposed by us. This information is correct at the date it is sent to you.

Your Right To Cancel The Contract Under the Regulations

If you enter into the contract with us for a credit card you may cancel the contract in accordance with the European communities (distance marketing of consumer financial services) regulations, 2004 within 14 calendar days of concluding this agreement or receiving it or a copy of it.

If you exercise that right you must, within 30 days, repay any balance on your card account plus interest and charges (including government stamp duty) due to the date of payment and return the card to us, cut in two, to the above address. If you do not exercise this right to cancel you will remain bound by the contract but you will continue to have the right to cancel as outlined in the next paragraph.

Other Rights To Terminate The Contract

You may at any time repay the balance outstanding on your card account and cancel the contract by returning your card to us in accordance with the card terms and conditions. If you fail to make any payment due to us in respect of your card or, if any of the other events of default which will be specified in the contract were to occur, we may call for the immediate repayment of the balance outstanding on your card account together with all accrued but unpaid.

Interest thereon and all other costs and expenses payable under the contract. We may terminate the account contract by giving you at least 2 months notice in writing.

Governing Law And Language

All our dealings with you, and the contract will be governed by the laws of Switzerland.

Terms and Conditions

Terms and Conditions for Credit Cards (464KB)

Data Protection Notice

Provided you have given consent, we will retain and use the information provided by you (whether in the application for the Account or otherwise, and whether you open the account or not) and any information relating to the conduct of the Account (including any personal data) for the purposes of processing the application for the Account, managing and administrating the Account, managing and administering the OPEN24 service (where applicable), for targeted marketing campaigns as outlined in Direct Marketing consent, group reporting and analysis and for updating or creating your customer profile, as well as for any other purpose to which you have consented. Agents, sub-contractors or other companies in the karlsruhe Baden Bank Group may process this information on our behalf. We may disclose the information as outlined in the Bank’s ‘Terms & Conditions and Personal & Business banking charges’ booklet for the facility/facilities under Customer Information.