We also offer the following other products:

Medium-term notes

The interest rate on a medium-term note is higher than on a traditional savings account. Interest remains fixed throughout the term and is paid on a yearly basis.

Notes are generally placed in a BCV securities account. You can select a term of two to eight years. At expiration, the note is fully redeemed.

Time deposits

Time deposits are intended for clients who wish to make a short-term cash investment (1 to 12 months). They provide an attractive short-term return that is set in accordance with the money-market trend.

A minimum investment of CHF 100,000, or the foreign-currency equivalent of this amount, is required for this type of product. Time deposits are subject to withholding tax.

Fiduciary deposits

Fiduciary deposits are intended for clients who wish to make a short-term cash investment (1 to 12 months) with a bank outside Switzerland. They provide an attractive, fixed return over a short period of time. A minimum investment of CHF 100,000, or the foreign-currency equivalent of this amount, is required for this type of product.

We also offer fiduciary deposits that are callable with two days’ notice. For this, a minimum investment of CHF 200,000, or the foreign-currency equivalent of this amount, is required.

You will need to have a BCV current account that is denominated in the same currency as the investment. The interest rate applied is set in accordance with the Euromarket, and commissions and fees are charged. Unlike time deposits, these products are not subject to withholding tax.

Capital-protected structured products

Capital-protected structured products are intended for investors who wish to earn a higher return than they would with a traditional investment but who do not want to put their invested capital at risk.

In all cases, you will get your invested capital back at maturity. If certain conditions are met during the life of the product, you will receive a coupon payment at a considerably higher rate than that of the money market.