The SNB's negative interest rates are presenting more banks with major problems, which means they must pass some of these on to customers. A pure negative interest rate implementation on the customer’s account is not very flexible and provides no incentive to invest assets. A withdrawal of the funds to a more attractive bank is usually the immediate customer response.

With balance fees, we offer the customer the opportunity to increase their exemption limit on investments in assets and thus pay no or little negative interest. This comprehensive approach at customer level offers a variety of advantages. The customer and the bank both pay less fees and benefit from a flexible model.

Together with specialist representatives, we specify the desired configuration, set limits and weightings. We assume the end-to-end  implementation together with internal developers, set up test cases and document the solution for business operation.

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• Integrated holistic solution

• Specification with specialist representatives

• Fast and efficient implementation by our experienced experts

• Support after implementation

• Reduction of negative interest rates with respect to the SNB

• Additional income due to reallocation of assets to

• Lower customer fluctuation

• Validated solution already used by customers