Complete table
Fees. All of them.
No fine print.
This is the complete table of what we charge — opening, transfers, FX, cards. Everything shown before you confirm any operation. No monthly fee. No surprises on the statement.
CHF account
Everything around opening, maintaining, and closing your account.
Account opening
Free
Includes Swiss IBAN and virtual card
Monthly fee
Free
No recurring charge
Account closure
Free
Anytime, no penalty
Limit increase
Free
After compliance approval
Minimum deposit to open CHF balance
CHF 1,000
Per Terms of Use clause 4
Payment operations
Inbound and outbound by rail — Pix, SWIFT, SEPA, SIX.
Pix inbound (BRL)
Free
—
Automatic conversion to CHF at the moment's rate
SWIFT inbound (CHF/EUR/USD/GBP)
Free
—
Credit in 1-2 business days after confirmation
SEPA outbound (EUR)
—
EUR 2.30
To any European bank
SIX outbound (CHF)
—
CHF 2.30
Swiss interbank transfers
SWIFT outbound — Europe
—
EUR 20
Non-SEPA countries (UK, NO, etc.)
SWIFT outbound — global SHA
—
USD 19
Shared costs (cheaper)
SWIFT outbound — global OUR
—
USD 35
You cover all costs (guaranteed receipt)
Pix outbound (BRL)
—
0.4% + spread
Applied on CHF→BRL conversion amount
FX — the bigger, the better
Spread applied over the real market rate. Volumes above CHF 100k generate cashback.
Up to CHF 10,000/month
0.3%
Spread
CHF 10,001 – 50,000/month
0.2%
Spread
CHF 50,001 – 100,000/month
0.1%
Spread
CHF 100,001 – 500,000/month
0.1%
Spread
+ cashback 0.2%
Above CHF 500,000/month
0%
Spread
+ cashback 0.3%
Cards
Virtual unlocked after 12 months of loyalty. Metal paired right after. All with FX without markup.
Card
BlueLock Virtual (Visa)
- Issuance
- Free
- Monthly
- Free
- ATM withdrawal
- Not applicable
- FX markup
- 0%
- Max balance
- CHF 100,000
Card
BlueLock Metal (Visa)
- Issuance
- CHF 25 (global delivery)
- Monthly
- CHF 2.50
- ATM withdrawal
- CHF 5 outside CH/EU
- FX markup
- 0%
- Max balance
- CHF 100,000
Card
BlueLock Plus (Mastercard)
- Issuance
- CHF 50
- Monthly
- CHF 5
- ATM withdrawal
- Free worldwide
- FX markup
- 0%
- Max balance
- CHF 250,000
BlueLock vs Traditional bank
Do the math.
You're overpaying.
Remittance fee (R$ 100,000)
R$ 6,500
R$ 400
−94%
BRL→CHF transfer time
5-7 business days
Within 24h
−85%
CHF account monthly fee
R$ 89 – R$ 350
Free
−100%
Commercial FX spread
3-5%
0.3%
−93%
Embedded IOF
1.1% – 6.38%
Pass-through to real
Transparent
Notes and regulation
- 01 CHF and EUR fees are passed through from the Swiss partner bank. No BlueLock surcharge.
- 02 CHF/BRL rate at the moment of transfer. Spread applied at conversion. Market variance may occur between clicks.
- 03 IOF (Tax on Financial Operations): 1.1% for personal remittances up to R$ 300k/year; rate varies by declared purpose.
- 04 Commercial vs parallel FX: we work with commercial FX regulated by BACEN. We do not operate in parallel FX.
- 05 CBE (Brazilian Capital Abroad): mandatory to declare balances > USD 1M to BACEN. We generate the report automatically.
- 06 IRPF (Individual Income Tax): balances > R$ 250,000 at fiscal year-end require declaration. We generate the annual report.
- 07 KYC limits: deposits > CHF 100,000/month may require additional documentation. We notify in advance.
- 08 Free cancellation anytime. Balance is returned via instant Pix (BRL) or SWIFT (original currency) within 48h.
All clear.
Shall we open your account?
Free cancellation anytime. Your money, your rules.