Do you have any more questions about our services? Below you will find answers to general questions about security, usage and service and specific questions about our various different prepaid credit cards.
What's the difference between my PIN and Internet code?
You need the PIN code for cash withdrawals at ATMs, for direct payment in stores and for setting up your card in the Swiss Bankers app. The Internet code is required for viewing your card account online. You can change your PIN code (not your Internet code) at ATMs in Switzerland or by phone at +41 31 710 12 15.
What is Mastercard SecureCode / Identity Check?
Mastercard SecureCode / Identity Check is a functionality that provides security when making payments with your smartphone. It offers the highest level of security for authentication and protects you against online fraud by requiring additional verification for payments.
How can I change my PIN-Code?
Once your prepaid card has been topped up and activated, you can change the PIN code at ATMs in Switzerland and Liechtenstein, as well as at post office cash dispensers in Switzerland and via the Swiss Bankers customer service +41 31 710 12 15 worldwide. The procedure for changing the PIN by phone is as follows:
After the language selection, choose the «PIN Change» service via key 3. Enter card number and PIN and confirm by pressing the # key. After entering the new PIN twice and confirming each entry by the # key, press key 1 to finish. The new PIN is valid immediately.
With the Swiss Bankers app you can set a new code without knowing the current one.
What do I have to pay attention to when changing the PIN-Code?
Changed PINs must not contain easily recognized combinations (such as phone number, date of birth, license plate number, etc.). Please note when choosing your new PIN code that often only four-digit codes are accepted abroad.
You forgot your PIN – what now?
You forgot your Internet code – what now?
If you forgot your Internet code, please call Customer Service +41 31 710 12 15 (Press 4: Internet Code).
What is a CVC and where do I find it?
The CVC (Card Verification Code) is a security code that is needed for making online payments, in particular. It is located on the back of your card next to the signature (last three digits). If you have saved the card in the Swiss Bankers app, you can display the CVC and the card number and expiry date using fingerprint, SmartCode, iris scan or Face ID.
Why are the prepaid cards of Swiss Bankers so safe?
A Swiss Bankers prepaid card offers you protection: Your card can only be charged when funds have been loaded. The prepaid cards are also equipped with the latest chip generation and offer additional protection against card misuse online with Mastercard SecureCode. The Swiss Bankers app offers additional security measures too, such as blocking the card for online purchases, contactless payment or certain countries. In the event of loss or theft, your card and its balance will be replaced immediately.
How secure is my card balance?
Your card stands out due to high security standards. What’s important is that you adapt your security settings to meet your needs and that you take our tips for optimum security and protection against fraud into consideration.
Your prepaid card is issued by Swiss-based Swiss Bankers. Swiss Bankers is the leading issuer of prepaid credit cards in Switzerland. The balances on these are insured in full, provided all due diligence obligations have been complied with.
Are my deposits protected under the deposit insurance esisuisse?
Yes, like any bank and any securities firm in Switzerland, [name of bank] is required to sign the Self-regulation “Agreement between esisuisse and its members”. This means customer’s deposits are protected up to a maximum of CHF 100,000.00 per customer. Medium-term notes held in the name of the bearer at the issuing bank are also considered deposits. Depositor protection in Switzerland is provided by esisuisse, and the depositor protection system is explained in detail at https://www.esisuisse.ch/en.
What is a phishing e-mail?
Fraudsters use phishing e-mails to try to gain access to personal data such as card number, expiration date, validation code, PIN, etc. in order to carry out transactions in the name of the cardholder.
What should I do if I suspect a phishing attempt?
Never answer an e-mail asking you to unblock a blocked card or to disclose personal data such as card number, expiration date, validation code, PIN, etc.
Inform the Swiss Bankers customer service immediately on +41 31 710 12 15 if you suspect that you have received a phishing e-mail or if you have already disclosed personal details.
Where can the prepaid cards be used?
You can use Swiss Bankers prepaid cards just like a normal credit card at over 40 million locations in Switzerland and abroad. You can also withdraw cash at favourable rates at over two million ATMs worldwide. In many stores you can pay conveniently using your smartphone, your smartwatch or contactlessly using your card. Prepaid credit cards are accepted by all online shops: Ideal for people who do not have a credit card or prefer not to use it online.
How can I find out the balanceof a Swiss Bankers prepaid card?
Is it possible to check the card balance at an ATM?
Yes, the balance of cards denominated in CHF can be checked at ATMs and PostFinance ATMs (Postomats) in Switzerland/Liechtenstein.
Contactless payment – what’s that?
All prepaid Swiss Bankers credit cards are equipped with the contactless payment function: Wherever you see the relevant symbol ⋑, you can pay for amounts of up to CHF 40.00 quickly and contactlessly. For higher amounts you will also need to enter your PIN code. Thanks to optimal encryption, contactless payment is just as secure as all other cashless payment methods.
What happens to prepaid cards that are lost or stolen?
Use the Swiss Bankers app and block your card immediately yourself. Report the loss of your card to the Swiss Bankers customer service immediately on +41 31 710 12 15. Your card will be frozen immediately. After contacting customer service, you will be sent a new card that has the same balance as the card that was lost or stolen.
A replacement Life card costs CHF 20.00 in Switzerland and CHF 50.00 abroad (includes delivery).
The Travel and Prime cards are sent worldwide via courier and free of charge.
What happens after the card expires?
The validity period is shown on the card. Any credit balance is not lost when the card expires. Swiss Bankers is entitled to transfer the card balance to a new card before the expiry of the original card and to make this available to the cardholder. At the request of the cardholder, the card balance can also be transferred to another Swiss Bankers prepaid credit card or transferred to an account to be designated by the cardholder for a fee. If the card has not been used for a number of years and the credit card account falls below the minimum balance of CHF 100.00, Swiss Bankers reserves the right to refuse the card replacement and instead to charge an annual processing fee of CHF/EUR/USD 20.00 to the card account. Card accounts without any credit balance will be cancelled, once the card expires.
Local currency: «yes» or «no»?
When using your prepaid card to pay or withdraw cash abroad, always choose the local currency (e.g. baht in Thailand, euro in Germany or Spain, rand in South Africa, etc.) to avoid an expensive currency conversion.
Are prepaid cards accepted for car rental reservations?
If you wish to rent a car, please check the possible payment methods with the car rental company in advance. Prepaid cards are generally accepted for payment but not for reservations.
An amount was charged to my card account although I did not make a payment. What do I have to do to have the amount refunded?
In most cases, the amount was not debited but merely pre-authorized. Pre-authorizations are e.g. common for hotel bookings, fuel purchases, or online purchases (e.g. iTunes). Reservations serve to assure merchants that the card is active and can be charged. Reservations are generally released again automatically but this can take up to 30 days.
How much cash can I withdraw from an ATM?
The amount per withdrawal is dependent on the limit of the relevant ATM operator and is the same for all prepaid, credit, and bank cards. The limit is determined by the relevant ATM operator and may vary between banks or countries. In most countries you can withdraw amounts with an equivalent value of between CHF 200.00 and 1,000.00 per withdrawal from ATMs. Exceptions exist in some countries where the living costs are very low. Our recommendation: Use your reloadable credit card mainly for cashless payments. The amounts mentioned also apply to EUR and USD for the Travel and Prime cards.
Can I reload my prepaid cards with cash at a bank?
No, it is not possible to reload your prepaid cards with cash at a bank.
How much are the fees?
Why is there an international fee for online shopping on a .ch website?
Some online merchants offer their customers a webshop using a .ch domain, but they process the associated card payments using a foreign company’s registered office. The website concerned should show the foreign company's registered office, while the foreign currency surcharge results from this practice.
Why don't I see any fees in the transaction details?
For technical reasons, it is not currently possible to display transaction details either in the app or on our website.
How much does it cost to withdraw cash at ATMs in Switzerland?
Withdrawals from ATMs using your prepaid card cost CHF/EUR/USD 5.00 in Switzerland and CHF/EUR/USD 7.50 abroad depending on the card currency. In some cases, additional charges are levied abroad directly by the bank itself. This information is subject to change.
How is the remaining amount refunded that cannot be withdrawn at an ATM?
Small amounts on Swiss Bankers prepaid card that cannot be withdrawn at an ATM can be used to make payment in a store or on the Internet. Remaining balances can also be transferred to a bank or post bank account for a fee of CHF/EUR/USD 20.00 by means of a form.
How does mobile payment work?
You can make mobile payments using a smartphone or smartwatch. Your credit card will be assigned a unique device account number, which is encrypted and securely stored on your advice. The information is shared via NFC (near field communication): you simply need to activate the screen of the device. It is not necessary to unlock your smartphone. The payable amount is transferred in no time.
Which devices support mobile payment?
Generally, all newer smartphones and smartwatches can be used to make mobile payments. Samsung, Apple, Google, Garmin, Fitbit and Swatch are the most commonly used brands. To find out which devices are specially designed for mobile payments, please refer to the product information offered by the manufacturers.
What are the requirements for using mobile payment?
You must have the following in order to make a mobile payment:
A smartphone or smartwatch that supports NFC (near field communication)
A payment app installed on your smartphone or smartwatch
A contactless payment terminal at the store
Are there additional costs associated with using mobile payment?
No, there are no additional fees for making mobile payments beyond the usual fees for using a prepaid card.
What happens to the mobile payment data if my smartphone or smartwatch is lost or stolen?
Do you always need an internet connection to make mobile payments?
No, it is not necessary to have an internet connection to make mobile payments.
Are there any amount limits when using mobile payment?
There is no amount limit when using mobile payment.
What data is transferred when making a mobile payment?
Only information that is strictly relevant to the payment process is transferred when making a mobile payment. Once you activate your card on your smartphone or your smartwatch, you will be assigned a unique device identifier known as a token. Your token is encrypted and stored on the phone or watch, meaning that your confidential card information is not saved on the device.
What should I do if I would like to change my device?
How secure is mobile payment?
Mobile payment is a very secure alternative to the conventional credit card. The risk of loss or theft is extremely low: because the payment information is stored on your mobile device, you can leave your card at home. When making a transaction, the credit card number is not shared, only your unique device account number. And with fingerprint, Face ID or PIN authentication, you have an additional layer of security.
Is it possible to accidentally trigger a mobile payment?
No, that is not possible, because the terminal device would have to be very close to a payment terminal.
Where is the prepaid card Travel available?
You can get Travel from a number of banks, PostFinance and at SBB Change sales points. Please visit Outlets for a current list of distributors. You can also order a card via the e-banking interface of PostFinance and many major banks. The Travel card is not available directly from Swiss Bankers.
How many cards can I have?
You can have a maximum of five cards. However, this varies from one distribution partner to another.
In what currencies is Travel available?
The Travel card is available in euros, US dollars or Swiss francs.
Under what name is the card registered?
The card will be registered by Swiss Bankers under the name, address, nationality and date of birth of the cardholder (the economic beneficiary). The name is not shown on the card.
Which card currency is suitable for which destination?
When you travel in Europe or the United States, a card in euros or US dollars is recommended. If you directly apply for a card in the desired currency, it will be considerably cheaper. When you withdraw money at a foreign ATM or make a purchase abroad, you will not have to choose your currency and be charged exchange fees. Also, you have a better overview if the currency of your card coincides with the local currency of your destination. When you travel outside Europe or the United States, a card in Swiss francs is advised.
What do I receive together with the card?
Who is authorized to load the card?
The cardholder or other persons can load funds to the card, i.e. to the corresponding card account. Swiss Bankers reserves the right to restrict the number of people who may do this.
Where can I load money onto the card?
The Travel card can be topped up at the branches of the distribution partner from which the card was purchased. You can also top up your card via the Swiss Bankers app using a credit card or a PostFinance card as well as using online banking. The card cannot be reloaded by Swiss Bankers Customer Service.
How much money can I load onto the card?
Minimum top-up amount: EUR/USD/CHF 100.00. Maximum top-up amount or card balance: EUR/USD/CHF 10,000.00.
Can I add money to the card by paying in cash at banks?
No, Travel cannot be reloaded at bank counters for cash. The card can only be loaded by charging a bank account.
How quickly is the money I add to the card available to be spent?
If the card is topped up with a distribution partner or via the Swiss Bankers app, the top-up amount is generally credited to the card within 15 minutes. Where online banking is used, it can take anywhere from two to three working days for the funds to be available.
What are the fees for loading the Card?
You will not be charged an annual fee for your Travel prepaid card. At the time you load the card, you simply pay a modest commission, as a rule 1.5 % of the load amount – something like an insurance premium for theft or loss protection.
Additional loading options via online and app:
With online banking – up to two working days: free (may vary from one distribution partner to another)
With a PostFinance card via the Swiss Bankers app – quick top-ups within approx. 15 minutes: CHF 6.00
With a credit card via the Swiss Bankers app – quick top-ups within approx. 15 minutes: 1.5% on the total amount
How much cash can I withdraw from an ATM?
The amount per withdrawal is dependent on the limit of the relevant ATM operator and is the same for all prepaid, credit, and bank cards. The limit is determined by the relevant ATM operator and may vary between banks or countries. In most countries you can withdraw amounts with equivalent values of between CHF/EUR/USD 200.00 and 1,000.00 per transaction from ATMs. Exceptions exist in some countries where the living costs are very low. Our recommendation: You can also use your Travel card for cashless payment in stores, restaurants and hotels.
How much does it cost to withdraw money at an ATM?
Withdrawals from ATMs using your Travel card cost CHF/EUR/USD 5.00 in Switzerland and CHF/EUR/USD 7.50 abroad depending on the card currency. In some cases, additional charges are levied abroad directly by the bank itself. This information is subject to change.
Can you withdraw euros in Switzerland using a Travel prepaid card in euros?
Yes, this is possible. Euros can be withdrawn using Travel regardless of the card currency.
What is geoblocking?
Geo-blocking is not activated for the Travel card. The Travel card allows you to make cash withdrawals and payments globally without activation. Countries can be blocked at any time in real time in the Swiss Bankers app.
Can you pay online with Travel?
Yes, the Swiss Bankers Travel card is connected to the global Mastercard acceptance network. That means you can use Travel to pay online with millions of providers.
What are the fees when paying for goods or services online or at a local shop?
The fee for using the card in stores or online is CHF/EUR/USD 1.00.
Why is the Travel card so secure?
If lost or stolen, the card will be replaced worldwide free of charge and including the remaining balance by courier. Unlike other cards there is no link between your bank account and your Swiss Bankers Travel card. Moreover, thanks to Mastercard SecureCode / Identity Check, the Card offers added protection against online card fraud.
Swiss Bankers App: You can fully block and unblock your card for all transactions yourself. Geoblocking is an additional way to protect yourself against card misuse. You can block your card for transactions in individual countries or entire continents which you are not planning to visit.
How long will it take for a replacement Travel card to arrive and how much does this cost?
The replacement card is immediately delivered by courier. Customers located in Europe will generally receive their replacement card on the following working day, customers in the USA in average after two working days, and customers in farther countries will receive it from three working days on. This fast replacement is only possible because there is no name printed on the Travel card and the Swiss Bankers customer service can send the replacement card out immediately. Delivery of the replacement Travel card is free everywhere worldwide. If you have activated your card for mobile payments such as Apple Pay or Samsung Pay, your replacement card will be ready for virtual use on your smartwatch or smartphone in real time after having requested it.
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