Karin Bertschi and her Team are earning huge amounts in the adult sex industry together with international investors. xratx.net or www.xrate-scenes.com/dvds and a new XrateToy shop are generating
1.0%-2.8% daily for 14-28 days!
. I have not heard of anyone having opened such an account "by post".
Wrong again : both swissquote and bekb can be opened by mail
I opened my swiss bank account BY POST , for obvious reasons I am not gonna quote that bank but I will do some more research for other possibilities especially for you...
I got the 500k CHF from REALITY, ask any Swiss bank on the list of the Bankiersvereinigung (and mention clearly that you are NOT based in CH when you enquire).
===
Swissquote: While they have a bank licence, they are not offering the full range of banking services. You will get a brokerage account only (might be fine if you use it for trading shares/options etc) but you don't get a bank account with YOU / YOUR ACCOUNT NUMBER @ XX Bank
You can only fund it through a "pooling account", see
> How can I credit my Swissquote Bank account?
> Several options are available to you:
> by your bank BC 8781 (clearing)
> EURO-SIC 087812
> SWIFT ID SWQBCHZZXXX
> by post transfer to the postal account 87-112233-4
> Don't forget to indicate your name and account number!
Did you see the fine print on their application forms when you are US based? They will block your trading access to US markets. For US Residents such an account is useless.
They offer a credit card, however this would be bound to another account
with IBAN number (so a European one) or to the trading account with
Swissquote, see:
Your other recommendation, http://www.swiss-bank-accounts.com/ is also useless, because I did talk about REAL banks that offer FULL banking facilities, not brokers etc.
the operators of this website are an ordinary private company doing this:
> Micheloud et Cie, à Lausanne, CH-550-0176685-6, société en nom collectif (FOSC du 14.05.2002, p. 16/467874).
> Nouveau but: conseils dans le domaine financier, immobilier et à toute personne physique et morale désirant s'établir en Suisse; production de contenu multimédia notamment sur le terroir et la gastronomie suisse.
> SHAB: 091 / 2002 vom 14.05.2002 (Seite 16, Tagebuch Nr. 4669 vom 07.05.2002)
> Micheloud et Cie, à Pully, société en nom collectif, conseils dans le domaine financier, immobilier et à toute personne physique et morale désirant s'établir en Suisse (FOSC du 09.02.1999, p. 915). Siège transféré à Lausanne, rue du Grand-Chêne 8.
Anyone can open a "Salärkonto" (An account in which an employee receives her/his monthly wages) provided the person lives, or intends to l move to Switzerland. A Salärkonto, does not require any minimum balance.
I think this is what they do, no more.
@ FreedomFighter777:
Austrian Numbered accounts still exist, so do Sparbücher (well I must admit nobody has a pay-in booklet (German word: Sparbuch) any more, they are MAESTRO debit cards these days). They come with IBAN Number and so can at least fund them, view your balance online and withdraw money with the debit card. There was never - and is still not - a minimum balance requirement in Austria.
The only cons.: you cannot make outgoing transfers (e.g. to pay bills) as they are meant as saving accounts.
An example (find a good online translator if you don't speak German):
And to bring speculations regarding anonymous accounts to an end: The bank wants to know your name and ID when opening such an account, but they do not record it in their computer system.
Until a few years in the past many accounts in Jungholz were opened in the name of Donald Duck or the one of former German Finance Ministers.
When the EU requested Austria to stop opening fully anonymous accounts the Austrian banks published notices in all major German newspapers to notify their clients to identify their selves. It goes the saying the not so clever ones went to the bank with their own cars (Jungholz is only reachable from Germany) and the German tax authorities waited at the street, writing down number plates. The ones who went by taxi or enjoyed a walk up the hill still don't have problems...
I got the 500k CHF from REALITY, ask any Swiss bank on the list of the Bankiersvereinigung (and mention clearly that you are NOT based in CH when you enquire).
Swissquote : You get not only a trading account but also a bank account , you are able to receive and send third party wires which you CANNOT do in a "trading only" account.
They don`t offer loans, letters of credits,etc....but they are a BANK(a pure broker doesn't have a SWIFT code) with a minimum balance of 0 CHF not 500K CHF
bekb : United States, Canada, UK, Germany, Italy, Spain, Japan are MAYBE restricted countries but for the rest this is a bank with the full range of services.(pick up the phone and call them)
minimum 0 CHF not 500K CHF
postfinance.ch : andorra,austria,france,germany,italy,lichtenstein, monaco,san marino,vatican city state are the only accepted countries
minimum 0 CHF not 500K CHF
micheloud&cie : I have talked to them and they said nothing about a requirement to move to switzerland, I call them back monday to confirm and report back here.
The FIRST thing I said on the phone was my country of residence
To debunk your fantasy of 500K , I will call the big boys banks in Switzerland : UBS,Credit Suisse,etc... to ask about their minimums,how many banks I have to list with minimums well below 500K before you admit you are WRONG
You THINK that Micheloud&Cie offer only salary accounts, I pick up the phone and ASK
500K
Last edited by Poverello : 05-31-2009 at 01:44 AM.
You will get a brokerage account only (might be fine if you use it for trading shares/options etc) but you don't get a bank account with YOU / YOUR ACCOUNT NUMBER @ XX Bank
You can only fund it through a "pooling account", see
dieterbuergi, thank you for the contributions to the Forum.
However, I have been in Austria 2 years ago, I think at Bank Austria (quite strange that I forgot the bank name perhaps, but I had lots of personal problems back then) and I have been denied a personal account, even though i have made an appointment in advance with the advisor.
He just said he cannot accept me because the source of funds in my case (affiliate income from the internet etc) is too strange to understand - or for him - to explain to his supervisor if they asked.
And yes, I was applying for a personal account, not private banking. He even started writing the application form with me, but when it came to the source of funds, I've been declined. Obviously my income is 100% legal, it just comes "from the internet".
also, could you give me some names of these smaller (?) banks that can be accessed only from Germany, that are easier in accepting clients?
I come from one of the country's that joined EU in 2004 and my inome comes from the internet. I have an offshore company actually right now, wioth a Cyprus bank for it, but for some reasons that I won't get into, I'd like to establish a personal bank account in a country with good bank secrecy and abandon that offshoe company within 1 year or so.
oh and how do you normally explain to an Austrian/Swiss bank that you want to open an account there, if you said that mentioning tax -reasons will get the door shown to you (even though that's probably the reason why 90% of foreginers want it).
dieterbuergi, thank you for the contributions to the Forum.
However, I have been in Austria 2 years ago, I think at Bank Austria (quite strange that I forgot the bank name perhaps, but I had lots of personal problems back then) and I have been denied a personal account, even though i have made an appointment in advance with the advisor.
He just said he cannot accept me because the source of funds in my case (affiliate income from the internet etc) is too strange to understand - or for him - to explain to his supervisor if they asked.
And yes, I was applying for a personal account, not private banking. He even started writing the application form with me, but when it came to the source of funds, I've been declined. Obviously my income is 100% legal, it just comes "from the internet".
also, could you give me some names of these smaller (?) banks that can be accessed only from Germany, that are easier in accepting clients?
I come from one of the country's that joined EU in 2004 and my inome comes from the internet. I have an offshore company actually right now, wioth a Cyprus bank for it, but for some reasons that I won't get into, I'd like to establish a personal bank account in a country with good bank secrecy and abandon that offshoe company within 1 year or so.
oh and how do you normally explain to an Austrian/Swiss bank that you want to open an account there, if you said that mentioning tax -reasons will get the door shown to you (even though that's probably the reason why 90% of foreginers want it).
I think it all comes down to your presentation and skills at communicating with the bankers (in your case)
Because there's generally nothing wrong with earning your money "from the internet" it just comes down to; is it a steady income? How much income? How often? How reliable? etc.,
And that's why it's just soo much easier for any bank to see your last 4 months of salary-notes instead of going into the whole "internet thing".
I havn't figured out wht your exact point is, but of course, leaning towards any tax-issue with a banker, will generally blow you off. UNLESS you really are a really large income client and you are familiar with the banker.
That is why Private Banking is in most cases more personal than opening a random account at a random bank.
Due to the new taxhaven OECD limitations, the "wild west" of banking secrecy will be moving to the Middle East, Asia etc., during the next decades I believe.
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this is what you mentioned, however, I'm not looking necessarly for a numbered account, (wouldn't mind one obviusly), rather I'd want to have normal online banking possibilities for it, such as receiving and sending international wires, if needed.
As for me, I'm rather professional and educated, though a young looking person (maybe this makes a less serious impression of me, if I look like a 22 year old heh) nearly fluent in both English and German. The banker with whom I talked, was quite nice but really the source of funds scared him, or he didn't understand it.
Then again, I kind off agree that it might be easy to lauder money on the internet and then mask it as affiliate programs earnings, or domain name sales. Hence, I have no doubts they'd prefer clients who get salaries or contract payments from serious companies, than from internet websites they've never heard off.
or maybe I just wasn't lucky, but he hinted that he doesn't think any bank will open a personal account for me for that (again, it is 100% legal income! ).
I've then established an offshore company in a complete offshore jurisdition and a bank account in one of the biggest Cyprus banks for it, I wonder if a reference letter from such a Cyprus bank would be better than from one of the central/eastern european ones...
anyway, you posted a list of more Austrian banks, I might just spend a few hours looking at the websites of all of them
@ MoneyOfDoom, I didn't tell "my" banker that I'm there to avoid taxes obviously.
I was just making a comment to your post, because you said that a person should never tell a swiss/austrian banker that they want an account in their bank/country to keep it safe from their Local IRS.... but I was under the impression that this is the exact reason why most people want these accounts, so I was just thinking out loud, what might be the best way to answer if they asked you why you want an account exactly there.
@ dark 27: If your country joined the EU 2004, and is based near former Russia, it might as well be possible that you found a very, very conservative banker @ BA. Some of them are still afraid of the "bad russians" and make no difference between Russia, Estonia, Lithuania, Latvia etc.
It could as well have been bad preparation as the previous poster said .
If you are looking at my previous posts I linked one bank and gave an indication where to look.
I got the 500k CHF from REALITY, ask any Swiss bank on the list of the Bankiersvereinigung
Your other recommendation, http://www.swiss-bank-accounts.com/ is also useless, because I did talk about REAL banks that offer FULL banking facilities, not brokers etc.
I just called swiss-bank-accounts.com , ALL banks on offer are banks in the top 10 regarding size , those banks are REAL banks with FULL banking facilities, no requirements to have the intention to move to Switzerland or have a connection with Switzerland.
I called also UBS : requirement of 35K € for opening account
I called to Credit Suisse : requirement of 50K CHF for opening account
The 2 biggest only require 50K CHF to open an account
Here another NO MINIMUM swiss bank : bcju.ch
Your 500K comes probably from a James Bond movie , no ?
Re: Opening an Offshore Swiss Bank Account
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