FAQ and Regulation

• Opening an account

  Accounts can be opened at NPB Neue Privat Bank AG following a face-to-face discussion. It is very important to us to develop a genuine and longstanding relationship with our clients based on trust.

• Minimum investment volume

  Clients with investable assets of approximately CHF 1 million or more can benefit from bespoke discretionary investment mandates tailored to their individual objectives and needs.

• Security

  As a Swiss bank NPB comes under the supervision of the Swiss Financial Market Supervisory Authority (FINMA). Ernst & Young AG have been the bank’s external auditors since it was established. It should be noted that under Swiss legislation all portfolio assets (securities and fiduciary deposits) held at a Swiss bank remain the property of the clients.

  As an asset management bank, NPB is very sound financially thanks to its equity ratio, which far exceeds the legal minimum. The credit business has been the principal cause of the small number of bankruptcies and imbalances suffered by Swiss banks in the last 200 years. Against this background NPB is very conservative in its lending; only granting credit when it is collaterally secured. For further credit requirements, we are happy to refer our clients to suitable partners.

• Banking secrecy/discretion

  Banking secrecy covers all data that is obtained in the course of a business relationship between banks and clients. The client’s right to secrecy is protected under the Swiss Federal Law on Banks and Savings Banks. Discretion at NPB means that this right is observed in every respect, something which is naturally easier for a smaller bank to do.

• Automatic exchange of information

  The Automatic exchange of information (AEOI) in tax matters is of core importance in increasing tax transparency at the international level. It is a standard in accordance with which tax authorities in the participating countries exchange information about taxpayers' bank accounts and custody accounts. So far, over 100 countries have announced to apply the worldwide AEOI standard.

  You can find out more about AEOI by following the links below.
  

  SwissBanking: Automatic exchange of information (AEOI)
  SIF: Overview on AEOI relevant countries
  OECD: Automatic Exchange

• Information on Investor Protection at NPB

  NPB Neue Privat Bank AG is an owner-managed Swiss private bank. As entrepreneurs, we emphasize personal responsibility, performance and foresight. The protection of our clients' assets and transparency is a high priority for us within the framework of a sustainable joint business relationship. The information below should help you to understand important aspects of the investment business and investor protection. The following investor protection principles are based on the Swiss Federal Financial Services Act (FinSA, ger. FIDLEG; "FIDLEG") and the European Directive on Markets in Financial Instruments, ("MIFID II").

  Download Information on Investor Protection at NPB

• Fees Summary

  Download Private clients and legal entities with domicile in Switzerland

  Download Private clients with domicile in the European Economic Area (EEA)

  Download Legal entities with domicile in the European Economic Area (EEA)

  Download Private clients with domicile outside of Switzerland and the European Economic Area (EEA)

  Download Legal entities with domicile outside of Switzerland and the European Economic Area (EEA)

Global E-Banking: questions and answers

Short answers about supervision, deposit protection, account opening, fees, transfers, cards, courtesies and security. Each answer names its sources and the date it was checked. Rates and courtesies are variable and not guaranteed.

Fee schedule and conditions (updated October 2026)

Supervision and deposit protection

• Is NPB Neue Privat Bank AG a licensed and supervised bank?

  Yes. NPB Neue Privat Bank AG is a Swiss bank founded in 2001, based at Limmatquai 1, 8001 Zürich, and supervised by the Swiss Financial Market Supervisory Authority FINMA. It is a member of esisuisse (Swiss deposit protection) and of the Swiss Bankers Association. Ernst & Young AG has been its external auditor since it was founded.

  • Swiss business identification number (UID): CHE-109.103.776, active
  • Commercial register, Canton of Zurich: CH-020-3024917-9, existing

  Sources: Swiss UID register, CHE-109.103.776; Zefix – Swiss commercial register; esisuisse member bank search; FINMA register of authorised institutions; About NPB · Checked: 14 Oct 2026

• How much of my money is protected if the bank fails?

  Up to CHF 100,000 per client and per bank, through esisuisse. All of a client’s accounts at the same bank are added together, including accrued interest. Foreign-currency balances such as USD are converted into CHF at the rate on the day bankruptcy proceedings open. esisuisse must transfer the funds to the liquidator within seven working days, and the liquidator pays clients. Amounts above CHF 100,000 become unsecured claims. Securities in a custody account are not deposits; they remain the client’s property.

  Sources: esisuisse FAQ; esisuisse member bank search · Checked: 14 Oct 2026

• Are my Global E-Banking balances protected deposits?

  Yes for fiat balances, no for stablecoins. Balances in US dollars and other government-issued currencies in your Global E-Banking current account, and your debit card balances, are deposits with NPB Neue Privat Bank AG. Together with your other NPB deposits they are protected by esisuisse up to CHF 100,000 in total.

  Not protected: USDC and USDT balances (not a government-issued currency), any amount above CHF 100,000, and courtesy credit, which is not a deposit and can only be used against card spending.

  Sources: NPB Neue Privat Bank AG: booking of Global E-Banking balances, confirmed on 14 Oct 2026; esisuisse FAQ; NPB Global E-Banking › Courtesy › First-Account Courtesy rules, version of 13 Oct 2026 · Checked: 14 Oct 2026

Opening an account

• Can I open an account if I do not live in Switzerland?

  Yes. Global E-Banking accounts are opened online, without visiting Zurich, and the application form lists countries and regions worldwide. Every application is reviewed, and NPB may ask for further documents or decline an application. Clients outside Switzerland can write to info@npb-bank.global; Swiss residents to info@npb-bank.ch.

  Sources: NPB Global E-Banking account opening flow, version of 14 Oct 2026; NPB contact page · Checked: 14 Oct 2026

• What do I need to open an account?

  A valid ID card or passport, a device with a camera, and at least USD 150 to deposit. The application has four steps:

  1. Personal details and photos of your ID card or passport.
  2. A live face check with your camera; uploaded photos are not accepted.
  3. Occupation and supporting documents, five confirmations (including FATCA) and a handwritten electronic signature.
  4. The activation deposit.

  Sources: NPB Global E-Banking account opening flow, version of 14 Oct 2026 · Checked: 14 Oct 2026

• What is the minimum deposit to open an account?

  USD 150. You can pay it in US dollars through the card or fiat cashier, or in USDC, and another person may pay it for you. The amount sets your starting tier: with USD 150 (tier A) the USD 100 account management fee is charged at once and no interest is paid; with USD 365 or more the fee is not charged and the current account earns interest.

  Sources: NPB Global E-Banking tier and fee schedule (account activation, step 4), version of 13 Oct 2026; NPB Global E-Banking account management fee rules, version of 12 Oct 2026 · Checked: 14 Oct 2026

• How long does the account review take?

  Usually 1 to 3 working days. NPB reviews your identity documents, face check and declarations, and informs you of the result by in-app message and e-mail. NPB may ask for additional documents during the review. You can follow the status of each of the four steps on the account-opening overview page in the app.

  Sources: NPB Global E-Banking application confirmation e-mail and in-app notice, version of 13 Oct 2026 · Checked: 14 Oct 2026

• Is Global E-Banking the same as NPB private banking?

  No. Global E-Banking is an online current account with a VISA debit card, transfers and currency exchange, opened in the app with at least USD 150. Private banking relationships are opened after a face-to-face meeting, and bespoke discretionary mandates are generally available from investable assets of about CHF 1 million. For private banking, call +41 44 265 11 88.

  Sources: NPB FAQ and Regulation (this page, sections above); NPB contact page · Checked: 14 Oct 2026

Fees and tiers

• What are the standard Global E-Banking fees?

  Before tier waivers: transfer to another NPB account 1%; transfer to another bank or to a blockchain address USD 30 + 2%; card payment 1.5%; receiving a payment 2.5%; currency exchange 2.5%; account management fee USD 100. Fiat transfers to other banks always cost USD 30 + 2%. The other fees are waived step by step as your total assets rise; see the fee schedule above.

  Sources: NPB Global E-Banking tier and fee schedule (account activation, step 4), version of 13 Oct 2026 · Checked: 14 Oct 2026

• What are the account tiers, and how is my tier decided?

  Your tier depends on your total assets at the moment of each transaction or interest settlement: current-account balances in all currencies converted into USD, plus your own debit card balances. Fixed deposits, investments and courtesy credit do not count. If your total falls below a threshold, the lower tier applies immediately; tier changes are not retroactive.

  Tier	Total assets (USD)	Fees waived	Current-account rate p.a.
  A	150 – 364	None. Annual fee USD 100	0%
  B	≥ 365	Annual fee	3.8%
  C	≥ 500	Annual fee, transfer fees	3.8%
  D	≥ 1,000	Annual fee, transfer and card fees	3.8%
  E	≥ 2,000	Annual fee, transfer, card and receiving fees	6.8%
  F	≥ 3,000	Annual fee, transfer, card, receiving and exchange fees	6.8%
  G	≥ 5,000	All fees except fiat transfers to other banks	6.8%
  H	≥ 10,000	All fees except fiat transfers to other banks	6.8%
  I	≥ 20,000	All fees except fiat transfers to other banks	6.8%
  J	≥ 50,000	All fees except fiat transfers to other banks	6.8%
  K	≥ 150,000	All fees except fiat transfers to other banks; physical card fee waived; issuer ATM fees refunded	6.8%

  Sources: NPB Global E-Banking tier and fee schedule (account activation, step 4), version of 13 Oct 2026; NPB Global E-Banking account agreement (tier changes, cashback reversal) · Checked: 14 Oct 2026

• Do I have to pay an account management fee?

  Only in certain cases. The fee is USD 100. If you activate with USD 150 (tier A), it is charged from your debit card straight after activation, leaving USD 50. If you activate with USD 365 or more, it is charged only when your total assets first fall below USD 300; until then, transfers, withdrawals and card payments cannot take total assets below USD 240. After a charge, there is no further charge until that fee has been refunded.

  Sources: NPB Global E-Banking account management fee rules, version of 12 Oct 2026 · Checked: 14 Oct 2026

• Can the account management fee be refunded?

  Yes, once per charge. A charge is refunded when a single on-chain USDC or USDT deposit into your current account is at least N × USD 1,000, where N is the number of that charge: USD 1,000 for the first charge, USD 2,000 for the second, and so on. Fiat deposits do not count, and several smaller deposits are not added together. After the refund, the fee status returns to “not charged”.

  Sources: NPB Global E-Banking account management fee rules, version of 12 Oct 2026 · Checked: 14 Oct 2026

Current account and interest

• Which currencies can I hold in the current account?

  US dollars (USD), euros (EUR), pounds sterling (GBP) and Swiss francs (CHF), plus the stablecoins USDC and USDT. On-chain deposits through the main channel are accepted in USDC and USDT. Only the government-issued currency balances are protected deposits; USDC and USDT are not.

  Sources: NPB Global E-Banking current-account currency list, as displayed on 14 Oct 2026; NPB Neue Privat Bank AG: booking of Global E-Banking balances, confirmed on 14 Oct 2026 · Checked: 14 Oct 2026

• What interest does the current account pay?

  It depends on your tier. On USD, USDC and USDT balances, tier A pays no interest, tiers B–D pay 3.8% a year, and tier E and above (total assets of USD 2,000 or more) pay 6.8% a year. Other currencies earn the rate published at the time. Rates are variable and not guaranteed; if your total assets fall below a threshold, the lower rate applies immediately. Past rates do not indicate future rates.

  Sources: NPB Global E-Banking tier and fee schedule (account activation, step 4), version of 13 Oct 2026; esisuisse FAQ · Checked: 14 Oct 2026

Transfers and currency exchange

• How much does a transfer cost?

  A transfer to another NPB account costs 1%, and a transfer to another bank or to a blockchain address costs USD 30 + 2%. From tier C (total assets of USD 500 or more), transfers to NPB accounts and to blockchain addresses are free. Fiat transfers to other banks cost USD 30 + 2% in every tier.

  Sources: NPB Global E-Banking tier and fee schedule (account activation, step 4), version of 13 Oct 2026 · Checked: 14 Oct 2026

• Are there transfer limits, and how are transfers confirmed?

  Yes. Daily limits: USD 5 million for transfers to NPB accounts; USD 1 million for transfers to other banks and blockchain addresses combined, raised to USD 5 million after an enhanced review. There are no monthly or annual limits.

  Below USD 10,000, transfers to whitelisted recipients need no password and others need your payment password. From USD 10,000 the payment password is always required, plus an e-mail code for transfers to other banks (from USD 10,000) and to NPB accounts (from USD 100,000).

  Sources: NPB Global E-Banking transfer limits and verification rules, version of 14 Oct 2026 · Checked: 14 Oct 2026

• What details do I need for a transfer, and how long does it take?

  For a fiat transfer: the recipient’s name and account number or IBAN; the recipient’s bank and a reference are optional. For a blockchain transfer: the recipient’s wallet address and its network. Arrival time depends on the receiving bank and is usually within a few hours. Check the address and network carefully before you confirm.

  Sources: NPB Global E-Banking transfer form and arrival-time notice, as displayed on 14 Oct 2026 · Checked: 14 Oct 2026

• Why can’t I make an international transfer?

  You must first complete the customer information questionnaire and have it approved. Until then, transfers to other banks and blockchain transfers are blocked, and transfers to other NPB accounts are limited to USD 1,000,000 each. The questionnaire is in the app under “Me” › “Customer information questionnaire”; it covers your occupation, wealth and expected account use, and ends with your electronic signature.

  Sources: NPB Global E-Banking client profile questionnaire rules, version of 13 Oct 2026 · Checked: 14 Oct 2026

• How much does currency exchange cost?

  2.5% of the amount sold, deducted from that amount. Exchange is free from tier F (total assets of USD 3,000 or more). Example: selling USD 1,000 in tiers A–E costs USD 25; in tier F and above it costs nothing.

  Sources: NPB Global E-Banking tier and fee schedule (account activation, step 4), version of 13 Oct 2026 · Checked: 14 Oct 2026

VISA debit card

• What debit cards are available?

  A virtual multi-currency VISA debit card, issued immediately after verification once you have deposited at least USD 150; the first virtual card is free and each further one costs USD 10. A physical VISA debit card for POS and ATM use can be requested from a current-account balance of USD 150,000; it costs USD 100 (free in tier K) and review takes about 5 working days. Card payments cost 1.5%, free from tier D (USD 1,000). You can freeze cards and set per-transaction and daily limits.

  Sources: NPB Global E-Banking debit card terms (account activation notes), version of 14 Oct 2026; NPB Global E-Banking tier and fee schedule (account activation, step 4), version of 13 Oct 2026 · Checked: 14 Oct 2026

• How does the VISA debit card cashback work?

  The first qualifying card purchase of each calendar day gets 100% cashback, and further purchases that day up to 70%. Cashback is paid out of your courtesy credit balance, so total cashback can never exceed that balance; it is not extra money on top of it. Some merchant categories are excluded, and cashback on refunded purchases is reversed. Do not estimate your benefit from the highest percentage alone.

  Sources: NPB Global E-Banking VISA debit card cashback terms, as displayed on 14 Oct 2026; NPB Global E-Banking account agreement (tier changes, cashback reversal) · Checked: 14 Oct 2026

Courtesies

• What is the First-Account Courtesy of USD 365?

  Up to USD 365 of courtesy credit for opening your first debit card, paid in instalments: USD 15 when the card is opened, then USD 10 for each full 30-day period, up to 35 periods, in which your average current-account plus debit-card balance is at least USD 300. Periods that miss the condition are not credited or made up later, so the full amount takes about three years. Tier A (USD 150 activation) receives only USD 5.

  Sources: NPB Global E-Banking › Courtesy › First-Account Courtesy rules, version of 13 Oct 2026 · Checked: 14 Oct 2026

• What is the First-Deposit Courtesy?

  A one-time payment into your current account, based on your average daily end-of-day balance (current account plus debit card) in the first seven days after account opening: USD 10,000 or more pays USD 100; USD 20,000 pays USD 200; USD 50,000 pays USD 500; USD 150,000 pays USD 1,500. Below USD 10,000 nothing is paid. Deposits must be in US dollars or a compliant stablecoin, after identity verification.

  Sources: NPB Global E-Banking tier and fee schedule (account activation, step 4), version of 13 Oct 2026; NPB Global E-Banking account opening flow, version of 14 Oct 2026 · Checked: 14 Oct 2026

• What is the Monthly Courtesy?

  USD 100, paid into your current account on the 1st of the following month, if your total assets stay at USD 5,000 (tier G) or more throughout a full calendar month. If they fall below USD 5,000 at any time in that month, no Monthly Courtesy is paid for it. It is a promotional benefit, not a fixed return.

  Sources: NPB Global E-Banking tier and fee schedule (account activation, step 4), version of 13 Oct 2026 · Checked: 14 Oct 2026

• What do I get for recommending NPB?

  Up to USD 365 of courtesy credit for each referred client who opens their first debit card with USD 365 or more. It is paid like the First-Account Courtesy, USD 15 then USD 10 for up to 35 periods, but each instalment requires your own average current-account plus debit-card balance to be at least USD 300 in that period. If the client activates with USD 150, you receive only USD 5, once your own debit card is open and your current account plus debit card total at least USD 100.

  Sources: NPB Global E-Banking › Courtesy › First-Account Courtesy rules, version of 13 Oct 2026 · Checked: 14 Oct 2026

• Is there a bonus for referring several clients?

  Yes. If 3 of your referred clients first become effective clients in the same calendar month, you receive USD 365; if 10 do, USD 1,825. Only the highest level reached counts, and each client counts once. An effective client has verified their identity, opened an account and keeps a monthly average current-account plus debit-card balance of at least USD 300. The bonus is courtesy credit paid in instalments, subject to your own monthly average of USD 300.

  Sources: NPB Global E-Banking › Courtesy › First-Account Courtesy rules, version of 13 Oct 2026 · Checked: 14 Oct 2026

• What conditions apply to all courtesies?

  Courtesies are promotional benefits, not investment returns, and are paid only when their conditions are met. First-Account, referral and headcount courtesies are courtesy credit: usable only against card spending, not part of total assets and not protected deposits. First-Deposit and Monthly Courtesies are paid in USD to the current account. Missed periods are not made up, tier changes are not retroactive, and cashback on refunds is reversed. Business introducers and partner service providers have separate programmes, including a minimum 30% share of effective clients. The rules shown in the app at the time prevail.

  Sources: NPB Global E-Banking › Courtesy › First-Account Courtesy rules, version of 13 Oct 2026; NPB Global E-Banking VISA debit card cashback terms, as displayed on 14 Oct 2026; NPB Global E-Banking account agreement (tier changes, cashback reversal) · Checked: 14 Oct 2026

Security, data and contact

• How is my account protected when I log in?

  By your login password and an image code, plus optional two-step verification: an e-mail code (valid for 10 minutes, void after 5 wrong attempts) or Google Authenticator, with 10 one-time recovery codes. You can trust a device for 30 days. You receive an in-app notice when you log in from a new IP address, and the web version logs you out after 2 hours of inactivity. We recommend switching on two-step verification under “Me” › “Security”.

  Sources: NPB Global E-Banking security settings (login, two-step verification, automatic logout), version of 14 Oct 2026 · Checked: 14 Oct 2026

• Where is my personal data processed?

  Mainly in Switzerland. NPB Neue Privat Bank AG, Zurich, is the controller of your data and processes it under the Swiss Federal Act on Data Protection (FADP). Data is transferred outside Switzerland only on a legal basis and with appropriate safeguards. The full privacy policy is available in Global E-Banking and under Legal Information on this website.

  Sources: NPB Legal Information › Data Protection; NPB Bank privacy policy in Global E-Banking · Checked: 14 Oct 2026

• How can I contact NPB?

  By phone on +41 44 265 11 88, Monday to Friday 8:00–17:30 (Zurich time), or by e-mail: info@npb-bank.global for clients outside Switzerland and info@npb-bank.ch for Swiss residents. Global E-Banking clients can also open a service request in the app: transfer and card questions are answered within 1 working day, account and fee questions within 1–2 working days, and complaints within 3 working days.

  Sources: NPB contact page; NPB Global E-Banking client service response times, version of 14 Oct 2026 · Checked: 14 Oct 2026