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Cash management

Make short-term investments in Swiss francs or foreign currencies.

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Dual Currency Certificates

Dual Currency Certificates are structured products that combine an investment in the base currency (underlying asset) and an option strategy on the forex market.

You can earn a return on your cash on hand in exchange for the risk of being repaid in another currency.

A good solution if you:

have extra cash

want to boost your return on that money

don’t mind potentially getting paid back in another, pre-defined currency

know and accept the risks associated with structured products and with the forex market

Advantages

Higher yield than in the money market

Short maturities: 1 week to 12 months

No admin fee

No VAT or stamp duty

Flexibility in the currency pair, return, and maturity

Transferable

disadvantages

Potentially paid back in another currency

On the conversion date, the exchange rate used might be less favorable than the spot rate

Not a hedging instrument

Not converted Converted

Scenario A: Your investment is not converted

At maturity, you get:

100% of your investment
+
the return

in the base currency (CHF).

Scenario B: Your investment is converted

At maturity, you get:

100% of your investment
+
the return

converted into the pre-defined replacement currency (such as EUR), at the set conversion rate.

Term account

With BCV's term account, you can invest your short-term cash (whether it’s in Swiss francs or another currency) for a period of 1 to 12 months.

Benefits

You will be placing your money for a fixed term with BCV, a bank with an excellent rating (AA stable from Standard & Poor’s).

The amount, interest rate, and term are set when the account is opened and do not change throughout the product’s lifetime. Your money will be returned to you at maturity, and you’ll decide whether to reinvest it under new conditions.

The interest rate, which is set when you sign the contract, is based on the money-market rate. Term accounts are subject to withholding tax but exempt from fees and commissions.

Fees and conditions

Interest rate	Based on the money-market rate and the term and amount of your investment
Term	1 to 12 months Shorter terms (as little as one week) are possible for amounts of CHF 500,000 or more
Minimum amount	CHF 100,000 or the foreign-currency equivalent
Interest calculation	The date of interest calculation depends on the selected term
Early redemption	In the event of early redemption (which requires BCV’s advance approval), a penalty of at least 2% of the amount redeemed will be charged.

Learn more

Speak with one of our specialists for personalized advice.

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In principle, any information and/or documents appearing on this website that relate to financial instruments or services within the meaning of the Swiss Financial Services Act (FinSA) are considered advertising materials pursuant to this Act.