Pricing
valid as of August, 2023
Early Bird Offer
CHF 0,- monthly base fee!
Banking
Monthly base fee
Account opening and closing
radicant mobile app
Everyday account
= checking account
Interest on cash deposits
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 on 31 December.
Up CHF 25'000
CHF 25'001 - 100'000
More than CHF 100'000
Usage of cash deposits
~10% of client deposits are currently invested in green bonds of supranational organisations and ~90% of clients deposits are kept at Swiss National Bank (SNB) and other Swiss banks to ensure liquidity.
Overdraft
Interest on negative balance due to charged fees = 5%
CHF 0
1%
0.5%
0%
Part of cash deposits supporting sustainable projects worldwide via dedicated green bond investments
Not possible
Payments
Account transfer (internal)
Bank transfer in CHF within CH
Transfers in foreign currencies and abroad are currently not yet possible.
radicant TWINT / Apple Pay / Google Pay
Virtual Debit Card
Virtual radicant Visa debit card
Payments within Switzerland
Payments outside Switzerland
Online payments
Fee for card payments in foreign currencies and in CHF outside Switzerland
We use Visa’s exchange rate for card payments in foreign currencies. This Visa exchange rate includes Visa mark-up on the interbank exchange rate.
Block / unblock card (through radicant app)
Block / unblock card through client service
per phone call
Delete / replace virtual card (through client service)
Only possible through a call to client service at this time. Creating & deleting virtual cards in the radicant app will be available later this year.
0.8%
CHF 20
Optional Physical Debit Card
radicant Visa debit card made of recycled plastic
One time fee for card production and shipping
Payments within Switzerland
Payments outside Switzerland
Online payments
ATM withdrawal in Switzerland (CHF)
ATM withdrawal in Switzerland (EUR)
ATM withdrawal abroad (local currency)
Fee for card payments & ATM withdrawals in foreign currencies and in CHF outside Switzerland
We use Visa’s exchange rate for card payments in foreign currencies. This Visa exchange rate includes Visa mark-up on the interbank exchange rate.
Set new PIN
through radicant app
Replace card in case it's lost / stolen
Replace card in case of damage
Block / unblock card (through the radicant app)
Block / unblock card through client service
per phone call
CHF 10
12 per year included, then CHF 2 per withdrawal
CHF 5
CHF 5
0.8%
CHF 20
CHF 20
Digital Wealth Management
Investment management mandate
Portfolio includes investment and custody account
Minimum investment
Annual Fee
50% discount on the annual fee, if you invest until 31 January 2024 and for as long as you invest with radicant!
CHF 1’000 - 24’999
CHF 25’000 - 99’999
CHF 100’000 - 249’999
from CHF 250’000
Annual product costs
Depending on the chosen investment strategy and products.
CHF 1'000
0.45% (instead of 0.90%)
0.40% (instead of 0.80%)
0.325% (instead of 0.65%)
0.25% (instead of 0.50%)
0.40 - 0.47% p.a.
Client Service
radi (Chatbot)
available on radicant website
radi (chat with client service officer)
Available soon
E-Mail to client service
Call client service
CHF 0.08 / Minute
Special Cases
Inquiries & investigations
E.g. transaction investigations, card transactions challenges, account investigations, diverse administrative investigations
CHF 25 per 15 minutes of effort
Early Bird Offer
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.