FAQ: Frequently asked question

Open your bank account online and choose the type of card you want to subscribe in the "Banking services" > "Credit Card" section. You can select multiple cards (maximum 5 per person).

Yes. You will enjoy all the advantages of an online Swiss private bank like, for example, recharging your prepaid card directly from your CIM Bank e-banking.

Every cards proposed by CIM Bank allow payment of your purchases over the Internet. In addition, the cards which are part of the MasterCard and Visa networks are equipped with the safety standard 3-D Secure. This standard is used by many online shops in Switzerland and around the world: every time a payment is made in one of these shops, the system asks for your personal 3-D Secure password.

A prepaid card (also called debit card) works with a recharging system: only the balance loaded on the card is available for payments and withdrawals. The payment limit is defined by the amount available on the card. A prepaid card is a secure way to travel and make purchases anywhere in the world.

The Swiss Bankers Travel Cash card is available in Euro (EUR), Dollar (USD) and Swiss Franc (CHF).

Visa and MasterCard credit and prepaid cards are available in Euro (EUR), Dollar (USD) and Swiss Franc (CHF).

You must choose the currency of your credit card according to your country of primary residence. But regardless of the currency, the cards work in every countries and the prevailing exchange rate is taken into consideration when a payment or withdrawal is made.

Swiss Bankers provides information and recommendations by country: country information.

The prepaid cards Travel Cash and Visa / MasterCard are rechargeable via CIM Bank’s e-banking. If you do not have access to your e-banking or cannot access it temporarily, you can contact your Relationship Manager by email or phone to recharge a card.

Minimum: 100 CHF / EUR / USD.
Maximum: 10 000 EUR / USD / CHF.
Maximum annual amount: 100 000 EUR / USD / CHF.

You will find all the rates and commissions on prepaid cards at the following address: compare credit card fees

Manual refills made by CIM Bank are subject to additional fees.

The cards are registered with Swiss Bankers Prepaid Services Ltd under the name of the person who is the card holder but his name does not appear on the card.

Each beneficial owner may have a maximum of five cards.

All cards available at CIM Bank are available for commercial accounts. You will find the list of the cards at the following address: credit cards and prepaid cards.

For Swiss Bankers Travel Cash: you must immediately contact the Swiss Bankers Customer Service: +41 31 710 12 15. Your card will be blocked immediately and a new card with the same balance will be sent free of charge anywhere in the world. In general, delivery times are a working day for Europe and 2 to 4 working days for overseas.

For Visa and MasterCard cards: you must immediately contact the Viseca Card Service at +41 58 958 83 83 (24h/24). Your card will be blocked immediately and a replacement card will be sent to you. In general, delivery times are 2 working days for Switzerland and from 3 to 6 working days for international destinations.

No. For safety reasons, a blocked card cannot be used anymore and the blocking cannot be canceled.

PayPass is a new payment method, there's no need to swipe or dip your card and it requires no signature or code entry for purchases below 40 CHF.

• Your card never leaves your hand thereby avoiding fraud and to be forgotten.
• The card should be held at a distance of 2 to 5 cm maximum from the terminal to make a payment. This prevents inadvertent recognition.
• Even if a card is swiped twice in front of the payment terminal, the card is charged only once.
• The code or signature is still required for purchases over 40 CHF. In addition, the code entry or signature is required at regular intervals.

You can view all insurance coverages available on each card by visiting the relevant pages:

• Visa/MasterCard PrePaid
• Visa/MasterCard Gold
• Visa/MasterCard Silver
• Visa Platinum

No, listed insurance coverages are included in your card membership fee.

If you are already a CIM Bank client, all the Terms and Conditions of your cards are available in your e-banking. If you do not have access to e-banking yet, you can request it from your Relationship Manager.

If you are not a CIM Bank client, you can find information on the websites of Viseca and American Express.

Apple Pay is a contactless payment system provided by Apple Inc. This system lets you make payments for your purchases using a mobile device (iPhone, iPad or Apple Watch) in all stores equipped with contactless terminals.

Anywhere in the world, in all stores equipped with contactless NFC (Near Field Communication) terminals.

No installation is required; Apple Wallet is installed by default on compatible devices (see below).

To use Apple Pay you need to activate your Swiss Bankers card in your Apple Wallet application to make payments.

See our tutorial: How to add your Swiss Bankers card to Wallet?

Please note that the activation requires an Apple ID created in a country where the Apple Pay service has been launched by Apple. You can find a list on www.apple.com

To make a payment, double-click the home button on your locked device and hold your device near the payment terminal.

A few minutes later, you will receive a confirmation by SMS or in your Swiss Bankers “My Card” application with the details of the transaction. You can then check whether the payment has been completed.

Your card number is not stored on the device when you make a payment and no card number is transmitted.

You authenticate with Touch ID, which reads your fingerprint, by double-clicking the home button; this allows you to be the only person authorized to make payments using your mobile device.

The only compatible cards that we are offering right now are the Swiss Bankers Travel Cash cards and Prime Cards. But other cards could become compatible soon, so stay tuned!

Only the following Apple devices are compatible and may be used to pay with Apple Pay:

• iPhone 6 or higher,
• Apple Watch,
• iPad Pro,
• iPad Air 2,
• iPad mini 3.

The Apple Wallet application is installed by default on compatible devices.

The "Surprize" program is available for Visa and Mastercard cards in Swiss Francs (CHF). It is a loyalty program to collect bonus points when purchasing with your credit card or prepaid card Visa / Mastercard CHF, in stores and online. Then, you can enjoy discounts with “Surprize” partner and exclusive gifts.

You must register online at www.surprize.ch to be part of the program. Then, you will start to earn points.