Your investments
deserve transparency
Conditions
Valid from 1 January 2021
Welcome to our summary of terms and conditions

The following conditions issued by our Bank are valid from 1 January 2021. They replace all previously published specifications. Rahn+Bodmer Co. reserves the right to amend these conditions unilaterally at any time.

Unless otherwise stated, the conditions cover our own expenses only. We charge third-party, commercial and stock-exchange fees, as well as withholding and value-added taxes, on a separate basis.

The fees indicated always apply for the entire order or the entire gross value. In securities trading, partial executions are regarded as separate orders.

If you have any questions, please contact your client advisor.

Rahn+Bodmer Co.
Account and custody account management
Execution only mandate
Our services
  • Technical management and safe custody of your assets
  • General information on individual investments or financial instruments
  • Trading and settlement of your orders for all common financial instruments, including shares, derivatives, foreign exchange and precious metals, as well as money market and fiduciary investments
  • Use of the e-Banking service of Rahn+Bodmer Co.
Administration fee
This fee includes: account management fees, custody account fees, external custody account fees, commissions on bond redemptions, coupon and dividend payments ex custody account, commissions for splits and name changes.

Up to1,000,000.000.35 %
Over1,000,000.000.33 %
Over2,000,000.000.31 %
Over3,000,000.000.29 %
Over5,000,000.000.26 %
Over10,000,000.000.24 %
In CHF, p. a.

Minimum fee: CHF 250.00 per quarter

  • For physical positions (without valuation or valued at 0), we charge CHF 100.00 p.a.
  • For non-physical positions (without valuation or valued at 0 or pro memoria), we charge CHF 20.00 p.a.
  • Our tiered fee schedule already includes a fee reduction corresponding to the investment volume.
  • Fees are charged at the end of the quarter based on the average value of the portfolio as at the first business day of each month.
Other banking services
For the following special services, a surcharge of 20 % is added to the administration fee:

  • Special account management (e.g. numbered accounts)
  • Trusts and domiciliary companies
  • Usufruct
  • Dormant accounts
  • UK resident but non domiciled


To cover regulatory expenses for contractual relationships with a domicile outside Switzerland (exception: Principality of Liechtenstein), a surcharge of CHF 500.00 per year is applied (cross-border fee).
Advisory
Investment advisory mandate
Our services
  • Execution only mandate for basic banking services
  • Individual advice exclusively on individual investments, without consideration of the composition of your portfolio
  • Assessments of the financial markets and individual investments by our team of analysts
  • Investment discussions with your personal client advisor as required
Advisory fee
Up to1,000,000.000.20 %
Over1,000,000.000.16 %
Over2,000,000.000.14 %
Over3,000,000.000.12 %
Over5,000,000.000.08 %
Over10,000,000.000.06 %
In CHF, p. a.

Minimum fee: CHF 150.00 per quarter

  • The advisory fee is charged in addition to the administration fee.
  • Our tiered fee schedule already includes a fee reduction corresponding to the investment volume.
  • Fees are charged at the end of the quarter based on the average value of the portfolio as at the first business day of each month.
Portfolio advisory mandate
Our services
  • Execution only mandate for basic banking services
  • Preparation of your personal risk profile according to objective and subjective considerations
  • Agreement on your personal investment strategy
  • Individual advice on individual investments, taking into account your existing portfolio and with a focus on the investment strategy agreed with us
  • Presentation of tailored investment proposals adapted to your investment strategy
  • Periodic review of your portfolio in terms of compliance with your investment strategy
  • Periodic reporting with review and outlook
  • Assessments of the financial markets and individual investments by our team of analysts
  • Periodic portfolio and strategy meetings with your personal client advisor
Advisory fee
Up to1,000,000.000.75 %
Over1,000,000.000.64 %
Over2,000,000.000.61 %
Over3,000,000.000.54 %
Over5,000,000.000.52 %
Over10,000,000.000.50 %
In CHF, p. a.

Minimum fee: CHF 300.00 per quarter

  • The advisory fee is charged in addition to the administration fee.
  • Our tiered fee schedule already includes a fee reduction corresponding to the investment volume.
  • Fees are charged at the end of the quarter based on the average value of the portfolio as at the first business day of each month.
Asset management
Asset management mandate
Our services
  • Execution only mandate for basic banking services
  • Preparation of your personal risk profile according to objective and subjective considerations
  • Agreement on your personal investment strategy
  • Systematic monitoring of your portfolio
  • Asset management that takes into account your investment strategy, resulting in prompt implementation of the investment decisions made by our experts
  • Periodic reporting with review and outlook
  • Periodic portfolio and strategy meetings with your personal client advisor
Option A
Asset management all-in fee
This fee includes: administration fee, asset management fee, Bank commissions for stock-exchange, issue, money-market and precious-metals transactions and fees for preparation of the Swiss tax report. All commissions and fees not mentioned above are excluded, in particular the foreign exchange margin as well as third-party commissions, third-party fees and taxes.

Fixed income
Up to1,000,000.001.00 %
Over1,000,000.000.95 %
Over2,000,000.000.90 %
Over3,000,000.000.85 %
Over5,000,000.000.75 %
Over10,000,000.000.60 %
In CHF, p. a.

Income
Up to1,000,000.001.20 %
Over1,000,000.001.15 %
Over2,000,000.001.09 %
Over3,000,000.001.03 %
Over5,000,000.000.91 %
Over10,000,000.000.75 %
In CHF, p. a.

Balanced
Up to1,000,000.001.35 %
Over1,000,000.001.29 %
Over2,000,000.001.23 %
Over3,000,000.001.13 %
Over5,000,000.000.99 %
Over10,000,000.000.81 %
In CHF, p. a.

Growth
Up to1,000,000.001.50 %
Over1,000,000.001.44 %
Over2,000,000.001.38 %
Over3,000,000.001.25 %
Over5,000,000.001.07 %
Over10,000,000.000.87 %
In CHF, p. a.

Equities
Up to1,000,000.001.60 %
Over1,000,000.001.54 %
Over2,000,000.001.47 %
Over3,000,000.001.33 %
Over5,000,000.001.13 %
Over10,000,000.000.92 %
In CHF, p. a.

Minimum fee: CHF 1,000.00 per quarter

  • Our tiered fee schedule already includes a fee reduction corresponding to the investment volume.
  • Fees are charged at the end of the quarter based on the average value of the portfolio as at the first business day of each month.
Option B
Asset management fee
From1,000,000.000.64 %
Over2,000,000.000.61 %
Over3,000,000.000.54 %
Over5,000,000.000.52 %
Over10,000,000.000.50 %
In CHF, p. a.

Minimum fee: CHF 300.00 per quarter

  • The asset management fee is charged in addition to the administration fee.
  • Our tiered fee schedule already includes a fee reduction corresponding to the investment volume.
  • Fees are charged at the end of the quarter based on the average value of the portfolio as at the first business day of each month.
  • The asset management fee is available for assets totalling CHF 1,000,000.00 or more.
Transactions
Transactions in general
If transactions cannot be executed in a standard manner, the Bank is entitled to bill the additional outlay separately and to collect a surcharge of up to 100 % on the respective fees. This applies in particular if special contracts, subscription forms or other documents are necessary for execution.

The fees indicated always apply for the entire order or the entire gross value. In securities trading, partial executions are regarded as separate orders.
Securities trading
Bonds – transactions worldwide
Order size
Up to50,000.000.55 %
Over50,000.000.48 %
Over100,000.000.42 %
Over150,000.000.35 %
Over200,000.000.30 %
Over250,000.000.23 %
Over350,000.000.19 %
Over500,000.000.15 %
In CHF 

Minimum fee: CHF 80.00 per transaction
Equities – transactions in Switzerland
(as well as similar securities, listed collective investment schemes, warrants, option certificates and structured products)

Order size
Up to50,000.000.75 %
Over50,000.000.70 %
Over100,000.000.60 %
Over150,000.000.53 %
Over200,000.000.46 %
Over250,000.000.38 %
Over350,000.000.32 %
Over500,000.000.28 %
In CHF 

Minimum fee: CHF 80.00 per transaction
Equities – transactions outside Switzerland
(as well as similar securities, listed collective investment schemes, warrants and option certificates)

Europe/North America*
Order size
Up to50,000.001.20 %
Over50,000.001.15 %
Over100,000.001.05 %
Over150,000.000.98 %
Over200,000.000.91 %
Over250,000.000.83 %
Over350,000.000.75 %
Over500,000.000.70 %
In CHF 

Rest of the world*
Order size
Up to50,000.001.50 %
Over50,000.001.45 %
Over100,000.001.35 %
Over150,000.001.28 %
Over200,000.001.21 %
Over250,000.001.13 %
Over350,000.001.05 %
Over500,000.001.00 %
In CHF 

Net transactions
Order size
Up to50,000.000.75 %
Over50,000.000.70 %
Over100,000.000.60 %
Over150,000.000.53 %
Over200,000.000.46 %
Over250,000.000.38 %
Over350,000.000.32 %
Over500,000.000.28 %
In CHF 

  • Minimum fee: CHF 120.00 for gross transactions, per transaction
  • Minimum fee: CHF 80.00 for net transactions, per transaction


* Foreign, third-party commissions are already included.
Collective investment schemes (unlisted) and private placements, venture capital, partnerships
Order size
Up to100,000.001.25 %
Over100,000.001.20 %
Over150,000.001.15 %
Over200,000.001.10 %
Over250,000.001.05 %
Over350,000.001.025 %
Over500,000.001.00 %
In CHF 

We generally charge 0.20 % for money-market funds.

Minimum fee: CHF 120.00
Small transactions
For transactions with a gross value below CHF 800.00, the commission is a maximum of 10 % of the gross value.
Commission for the exercise of warrants and traded options
For the exercise of warrants and traded options, the approaches used for transactions in Switzerland are applied on the equities side. The fee applies to Swiss and foreign equities.
Derivatives
Traded options
Transactions on the Eurex
Generally 1.00 % of the premium value
Minimum fee: CHF 100.00

Transactions on other stock exchanges
Generally 1.50 % of the premium value
Minimum fee: CHF 150.00
Financial futures
All stock exchanges Round-turn commission (commission is charged at opening)
Up to 10 contracts CHF 50.00 per contract
11 to 25 contracts CHF 40.00 per contract
26 or more contracts CHF 30.00 per contract

Minimum fee: CHF 150.00
Securities transfers
For outgoing securities transfers, we charge a flat fee per security, which includes our own and third-party commissions:

Switzerland (clearable) CHF 100.00
Europe/North America (clearable) CHF 150.00
Other countries (clearable) CHF 200.00
Non-clearable securities CHF 200.00

  • For physical incoming and outgoing transfers in Switzerland, we charge an additional CHF 100.00 per security.
  • For physical incoming and outgoing transfers outside Switzerland, we charge an additional CHF 250.00 per security.
  • We process clearable incoming transfers free of charge.
Money market
Money-market book claims
Purchase
Without asset management 0.50 % p. a.
Minimum fee: CHF 200.00

With asset management 0.25 % p. a.
Minimum fee: CHF 100.00

Sale
For each transaction: CHF 100.00
Fiduciary investments
Placement of time deposits CHF 50.00
Placement, increase and reduction of call money CHF 50.00
Foreign exchange margins
Main currencies
(CAD, EUR, GBP, JPY and USD)

Equivalent value in CHF Margin
Up to CHF 50,000.00 1.30 %

For larger transaction volumes, we charge a reduced margin.


All other currencies
Equivalent value in CHF Margin
Up to CHF 50,000.00 1.40 %

For larger transaction volumes, we charge a reduced margin.

  • For swap transactions: 0.20 %
  • OTC currency options: minimum CHF 150.00 or 2 % premium
  • Our tiered fee schedule already includes a fee reduction corresponding to the investment volume.
Taxes
Swiss tax return
We charge CHF 280.00 per hour for preparing tax returns.
Swiss tax advising
For tax advising, we charge CHF 320.00 per hour.
Tax breakdowns
Swiss tax report
Per position with valuation
and/or income CHF 10.00
Minimum fee CHF 80.00
Tax breakdown for Germany, the UK, Austria and Spain
Per position with income and/or
sales result CHF35.00
Minimum fee CHF250.00
Maximum fee CHF750.00
Income statement (not country-specific)
Per position with income CHF 10.00
Minimum fee CHF 80.00
Statement of capital gains and losses (not country-specific)
(FIFO, LIFO or average method)
Per sales result CHF 20.00
Transaction list CHF 100.00 (flat fee)
Withholding tax reimbursement
Reimbursement of withholding tax for clients domiciled in Switzerland (legal entities only)
Basic rate 2 % of the reimbursement amount
Plus per security/account/year CHF7.50
Minimum fee CHF60.00
Maximum fee CHF675.00
Additionally per form 21 (payments on account) CHF60.00
Reimbursement of withholding tax for clients domiciled outside Switzerland
Basic rate 8 % of the reimbursement amount
Plus per security/account/year CHF7.50
Minimum fee per year CHF60.00
Maximum fee CHF675.00
Swiss tax report, section A (summary statement for self-submitters)
Per valued position CHF 10.00
Minimum fee CHF 80.00
Reimbursement of foreign withholding taxes (Germany, France and Ireland, other countries on request)
Basic rate 15 % of the reimbursement amount
Plus per position/year CHF10.00
Minimum fee CHF100.00
Maximum fee CHF750.00

External costs are charged for reimbursement or tax certificates.
Issue of tax certificates (Germany, Ireland)
Bank’s own fees CHF 100.00

External costs are charged for tax certificates.
Miscellaneous
Payment transactions
Individual payments and standing orders
Order size for payments in a foreign currency
Up to1,000.0010.00
Over1,000.0025.00
Over10,000.00 50.00
In CHF

  • For payments in Swiss francs to countries outside Switzerland, we apply the above rate.
  • We process payments in Swiss francs in Switzerland free of charge.
Issue of cheques
Cheque from Rahn+Bodmer Co. (only CHF) CHF 30.00
Cheque drawn on our correspondent banks CHF 30.00
Cheque cancellation CHF 50.00
Express order surcharge CHF 50.00
Cheque collection
Cheques in CHF and foreign currency
Up to500.0050.00
Over500.00100.00
In CHF

Travelers Cheques in CHF  free of charge
Travelers Cheques in foreign currency 0.50 % of the total
Cash transactions in foreign currencies (premium)
Order size
Up to30,000.001.00 %
Over30,000.000.50 %
Over100,000.000.25 %
In CHF
Precious metals
Metal account transactions
Order size
Up to100,000.000.50 %
Over100,000.000.375 %
Over500,000.000.25 %
In CHF

Minimum fee: CHF 150.00
Physical transactions
For precious metals transactions in physical form, the fees for metal account transactions apply with a surcharge of 25 %.
Precious metals transfers
Incoming transfers CHF 100.00 per position
Outgoing transfers CHF 200.00 per position + third-party transport costs
Cards
Maestro
Card fee CHF 20.00
Card block CHF 50.00
Replacement card CHF 20.00

We process ATM withdrawals in Switzerland free of charge. For ATM withdrawals outside Switzerland, we charge CHF 7.00 per withdrawal.
Travel Cash
The commission is 1.50 % of the amount loaded (Bank’s commission: 0.75 %; third-party commission: 0.75 %).
Credit cards
The annual fee and any transaction-related fees and costs are billed directly by the respective credit card company.
Surety activities (bank guarantees and sureties)
Performed by the Bank
Up to50,000.001.00 %
Over50,000.000.90 %
Over250,000.000.80 %
Over500,000.000.70 %
Over750,000.000.60 %
Over1’000,000.000.50 %
In CHF, p. a.

Performed by a third-party bank
Up to50,000.001.80 %
Over50,000.001.70 %
Over250,000.001.60 %
Over500,000.001.50 %
Over750,000.001.40 %
Over1’000,000.001.30 %
In CHF, p. a.

Minimum fee: CHF 200.00
Promises of payment
Promises of payment made in connection with financing by Rahn+Bodmer Co. (e.g. granting of a mortgage) are issued free of charge. For all other promises of payment, we charge a flat fee of CHF 250.00 per promise of payment.
Closure fee
We charge a flat fee of CHF 75.00 for closing out the overall relationship.
Securities transfers are charged on a separate basis.
Activities and advising at cost
Administrative activities
Per hour CHF 150.00
Specialist activities
Per hour CHF 280.00

(e.g. tax declarations, annual accounts, special services)
Advisory
Per hour CHF 320.00

(e.g. asset succession, execution of wills, division of estates, pension advice, financial planning, legal advice)
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