Your banking account
Monthly base fee
CHF 0
Mobile banking App
Interest on cash balance under CHF 100,000

Interest rates may change at any time due to market conditions. Interest rate adjustments take effect at the time of an interest rate change. The applicable interest rates are published on the radicant website. The interest rate is calculated on a daily basis, using the end of the day balance. The total of the interest you accumulated over the year will be paid at year-end.

0.75%
Interest on cash balance from CHF 100,000 up to CHF 250.000

Interest rates may change at any time due to market conditions. Interest rate adjustments take effect at the time of an interest rate change. The applicable interest rates are published on the radicant website. The interest rate is calculated on a daily basis, using the end of the day balance. The total of the interest you accumulated over the year will be paid at year-end.

1%
Interest on cash balance over CHF 250,000

Interest rates may change at any time due to market conditions. Interest rate adjustments take effect at the time of an interest rate change. The applicable interest rates are published on the radicant website. The interest rate is calculated on a daily basis, using the end of the day balance. The total of the interest you accumulated over the year will be paid at year-end.

0.75%
Checking account
Usage of cash deposits
A part of client deposits is used to finance impactful projects via labelled bonds.
Overdraft

Due to delayed booking of card payments or charged fees, the account balance can be negative. We charge 5% interest on the negative balance.

Not allowed
Payments and Cards
Bank transfer within Switzerland in CHF

Transfers in foreign currencies and abroad are currently not possible.

Internal account transfer
Apple Pay, Google Pay, radicant TWINT
Virtual radicant Visa debit card
free
radicant Visa debit card made of recycled plastic (optional)

One time fee for card production and shipping

CHF 10
Fee for card payments in foreign currencies

Benefit from 0% fees when paying with the radicant debit card in a currency other than Swiss Francs (CHF). No Visa markup fees, no transaction fees, nothing! When you pay with your radicant card, we apply the current market rate – plain and simple.

0%
Online payments
Payments within Switzerland
Payments outside Switzerland
ATM withdrawal in Switzerland (CHF)
12 per year included, then CHF 2 per withdrawal
ATM withdrawal in Switzerland (EUR)
CHF 5
ATM withdrawal abroad (local currency)
CHF 5
Delete or replace virtual card

Only possible through a call to client service at this time. Creating and deleting virtual cards in the radicant app will be available later this year.

Set new PIN (physical card)

Through radicant app

Block/unblock card through radicant app
Block/unblock card through client service

per phone call

CHF 20
Replace physical card if lost or stolen
CHF 20
Replace physical card if damaged
Travel Insurance

Pay your travel costs with your radicant debit card and enjoy free travel insurance.

Free

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Digital Wealth Management
Investment management mandate

Portfolio includes investment and custody account

Minimum investment
CHF 1,000
Annual product costs

Depending on the chosen investment strategy and products.

0.40 – 0.47% p.a.
Annual fees per portfolio

Special offer: current annual investment fee between 0.25% and 0.45% until 31 December 2025!

If you are one of radicant's first clients and you already invested with us (Family & Friends, Co-Creator Beta and Early bird), you continue to benefit from your current pricing.

CHF 1,000 – 24,999
0.45% 0,90%
CHF 25,000 – 99,999
0.40% 0,80%
CHF 100,000 – 249,999
0.325% 0,65%
From CHF 250,000
0.25% 0,50%

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Pillar 3a
Account fee
CHF 0
Interest rate
1.25%
Asset protection

Your 3a deposits are preferential and protected up to a maximum of CHF 100’000 per client and 3a provider.

Up to CHF 100,000
Transfer existing 3a funds
Pledge (per case)
CHF 200
Payout for home ownership (per case)
CHF 250
Payout while living abroad or due to self-employment
CHF 200
Transfer-out to another Pillar 3a within one year of account opening
CHF 100
Extraordinary administrative expenses
At cost

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Client Service
E-Mail to client service
Call client service
CHF 0.08 per minute
Inquiries & investigations

E.g. transaction investigations, card transactions challenges, account investigations, diverse administrative investigations

CHF 25 per 15 minutes
of effort

Legal disclaimer

radicant reserves the right to adjust our offering at any time. Adjustments will be made in good faith based on current market conditions or other reasons. Adjustments will be communicated in an appropriate manner.

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