Legal notice

This website is owned by BBVA (Suiza) SA (hereinafter referred to as BBVA Suiza), a bank licensed to operate and headquartered in Switzerland.

BBVA SA Client Service

Selnaustrasse 32/36, 4th floor

PO Box

8021 Zurich, Switzerland

Tel.: +41 900 265 951

This website is intended solely for information purposes and for use by the user. The information and opinions contained in this website may be altered or deleted at any time without prior notification.

Persons who access information on this website agree to the following terms and conditions. Any special agreements with respect to individual services or products of BBVA Suiza shall be complementary to these terms and conditions, although in the event of any conflict, the provisions contained in any such special agreements shall prevail.

The full contents of this website are protected by intellectual property rights (including copyright, trademarks and trade names, patents and any other type of intellectual/industrial or legal property), including the entire text, data, graphics, logos, layout, design content chart and interface, photographs, videos and sound recordings. The use of the website does not imply any transfer of rights, except in cases where it is legally permitted or when prior authorization has been granted by BBVA Switzerland. The downloading or printing out of individual pages and/or sections of the website is permitted provided that the copyright notes and other statutory proprietary designations are retained. If you download software or any other data from the website or copy it in any way, BBVA Suiza retains all rights of ownership. The reproduction (in full or in part), transmission (by electronic or other means), modification, linking or use of this website for public or commercial purposes is prohibited without the prior written consent of BBVA Suiza.

The contents on this website are for information purposes only and constitute neither a request nor an offer or recommendation to buy or sell investment instruments or to perform other transactions. People residing/domiciled in countries in which local law prohibits access to investment instruments via this distribution channel are not permitted access to the information published on this website. Products and services displayed on this website may not be eligible for sale or available to residents of certain countries or certain categories of investors.

Any materials available on this website have no regard to the specific investment objectives, financial situation, or particular needs of any specific recipient. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or BBVA group entities as a result of using different assumptions and criteria. BBVA Suiza is not under any obligation to update or keep current the information contained herein.

Although BBVA Suiza has taken all reasonable care to ensure that the information contained in this website is accurate at the time of publication, BBVA Suiza provides no assurance or guarantee, expressed or implied (including third-party liability), with regard to its accuracy, reliability or completeness. BBVA Suiza does not guarantee nor assumes any responsibility that the prices and information supplied are correct, complete, and accurate. BBVA Suiza also gives no guarantee that the information may not be distorted as a result of technical malfunctions (incorrect transfer, technical inadequacies, disconnection, access by an unauthorized third party, etc.). As a result, BBVA Suiza cannot guarantee nor assume any responsibility for the uninterrupted production of this page. Under no circumstances is BBVA Suiza liable for any losses or direct, indirect, accidental, special, or consequential damages owing or related to this information or resulting from risks inherent to the financial markets.

Investors should be aware that prices may rise or fall. A positive performance in the past is therefore no guarantee of positive performance in the future. Furthermore, investments in foreign currencies are subject to exchange rate fluctuations. Other products are available on the market which may be more suited to your requirements than those listed here. The information on this website is therefore not a reliable basis for investment or other decisions. Please consult your customer advisor before making any investment decisions.

The activation of certain links to this website may, under certain circumstances, cause the user to leave the BBVA Suiza website. These links are totally out of the control of BBVA Suiza. BBVA Suiza has not reviewed the sites linked to the BBVA Suiza website and accepts no responsibility for the exactitude, thoroughness, or legality of the contents, products or services, or other offers available via these links. This also applies to websites that offer links to the BBVA Suiza website. Furthermore, explicit prior authorization must always be obtained for a link leading from an external website to the BBVA Suiza website.

The information on this website may contain projections or other forward-looking statements related to BBVA Suiza that involve risks and uncertainties. Readers are cautioned that these statements are only projections and may differ materially from actual future results or events. Readers are referred to the documents which identify important risk factors that could cause actual results to differ from those contained in the forward-looking statements, including, among other things, risks relating to market fluctuations and volatility, significant interest rate changes, credit exposures, cross border transactions and foreign exchange fluctuations, impaired liquidity, competition, and legal liability.

esisuisse represents the deposit insurance scheme in Switzerland which protects clients’ deposits (irrespective of whether they are domiciled in Switzerland or abroad), in principle, up to a maximum of CHF 100,000 per client. More information on this topic will be explained in detail in one of the official languages or in English at www.esisuisse.ch/de, www.esisuisse.ch/fr, www.esisuisse.ch/it and www.esisuisse.ch/en.

Changes to the Swiss Banking Act and its Ordinance will come into force on 1 January 2023 and will thereby increase the deposit protection for bank accounts (Deposit Insurance Scheme) for specific clients:

What is deposit insurance?
Deposits at BBVA SA are covered by the deposit insurance scheme. In the event of a bankruptcy of BBVA SA, the deposit insurance scheme protects client deposits against loss up to the amount of CHF 100,000 (laid down by law). If a client has multiple accounts at the same bank (BBVA SA), the credit balances are added together, with a maximum amount of CHF 100,000 covered.

What is changing for joint accounts?
If several persons own an account together, this group is treated as an individual, separate client when it comes to protection. This change leads to better client protection.
If this group holds multiple accounts, these are added together. The balance for the group is protected up to a total of CHF 100,000.

As an example, groups might comprise spouses, simple partnerships, communities of heirs or condominium associations.

If individuals in such a group have their own separate client relationship with the bank, a balance of up to CHF 100,000 is also protected for this separate client relationship. This represents more protection for the client.

Until 31 December 2022, the group’s balance was divided among the individuals in the group, the split amount then added together with claims from individuals’ own separate client relationship and the protection was capped at CHF 100,000 per person.

What is changing for financial intermediaries?
Financial intermediaries are no longer protected (no protection and no privileged treatment of deposits in case of bankruptcy). As an example, these include other banks, securities firms and insurance providers.

Where is the protection of bank deposits regulated in law?
The legal provisions for deposit protection can be found in Articles 36a to 37jbis of the amended Banking Act and in Articles 42a to 44a of the amended Banking Ordinance.

Please note that this legal disclaimer is for information purposes only, and that legal provisions are those that are authoritative (i.e. have the force of law).

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Swiss legislation will be applicable to all legal issues that may involve the present website or any disputes involving BBVA Suiza.