Term account

With a Term account, your company can make short-term cash investments – from 1 to 12 months – in Swiss francs and foreign currencies.

Highlights

With this account, your company can invest cash with BCV for a fixed term. Because BCV has an excellent rating (AA stable), you know that the assets are extremely safe.
The investment amount, the interest rate and the term are determined when the account is opened. At the end of the term the funds are released and may be reinvested in a new term account.
The interest rate is based on money market rates in effect when the account is opened. Term accounts are subject to withholding tax but are not charged fees or commissions.

Fees and conditions


Interest rate	Indexed to the money market and dependent on the term and deposit amount
Term	1 to 12 months A term as short as one week is possible for a minimum deposit of CHF 500,000
Minimum deposit	CHF 100,000 or the foreign-currency equivalent
Statements	Depends on the term
Early redemption	If the funds are redeemed before the end of the notice period (with BCV's prior approval), a fee of at least 2% of the redeemed amount will be charged.

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Related services

Liquidity optimisation products

These products, such as our Dual Currency Certificate, potentially generate an income higher than that offered by the money market, and in return you take the risk that your original investment might be redeemed in another currency.

Find out more about our liquidity optimisation products

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BCV
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1001 Lausanne

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Your IBAN (International Bank Account Number) is a 21-position number that can be found on your Maestro card, as well on your account statements. You can also find it in BCV-net, when you click on the account you wish to know the IBAN for (at the bottom of the screen).

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Banknote exchange rates

Currency	Buy	Sell
Euro (EUR)	1.0365	1.0965
Pound Sterling (GBP)	1.1150	1.2650
US Dollar (USD)	0.9355	1.0150
Canadian Dollar (CAD)	0.6505	0.7355
Japanese Yen (JPY)	0.008635	0.009585

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