Novartis Employees Association & Basler Kantonalbank

Benefit from a strong partnership

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Basler Kantonalbank has been closely connected with the city and region for more than 100 years. With its independent financial advice, broad range of services and products and a large network of branches, BKB is the bank for people in our region.

The choice is yours

You retain flexibility with three banking package modules. Easily choose the products and services you actually need.

  • Free basic services: You receive basic products and services for payments and savings from a single source and free for an indefinite period.
  • Exclusive investment benefits: You receive a 20 % reduction on the regular price of the fee for the advisory custody account and the all-in fees for the asset management mandates.
  • FX special rate: Benefit from a 50 % discount on regular exchange rate prices.
  • Goal-based consulting: Our client advisors are available for all your financial questions – in every phase of life and wherever you wish: at your premises, in one of our branches or conveniently by video conference.

The attractive offer at a glance

1. Ba­sic mo­du­le (free)  
1 CHF per­so­nal a/c for free
1 savings account or 1 investment savings account CHF (up to 0.85% bonus interest)
for free
1 E-Set (E-Ban­king, E-Do­cu­ments) for free
1 CHF or EUR de­bit card for free
FX Spe­cial Rate 50% dis­count on stan­dard pri­cing


2. The top-up mo­du­le  
1 EUR pe­rso­nal a/c for free
Spe­cial pro­mo­­tion for bor­der cros­­sers. No fee for re­si­­dents a­b­ro­ad for free
Ex­tra de­bit cards ½ pri­ce
Cre­dit card (1 main card) ½ pri­ce
Cre­dit card (ex­tra or se­veral ex­tra main cards) ½ pri­ce
Ad­vi­sory de­pot fee and all-in-fees of the as­set ma­na­ge­ment man­dates 20 % dis­count on
stan­d­ard pri­c­ing


3. Ad­­vi­so­­ry mo­­dule  
For pro­per­ties in Switz­er­land, a mort­ga­ge with at­trac­tive ra­tes¹ 0.2% in­ter­est dis­count²
Ad­vi­so­ry mo­dules lo­cal­ly (first con­sul­ta­tion for in­vest­ments, oc­cupa­ti­onal pen­sions, etc.)*** for free
Con­­ven­­ient lo­cal cus­­to­mer ser­vice for free
Ser­vi­ce pac­k­a­ge for tho­se chan­g­ing banks for free


¹ Only for properties used as a primary residence.
² 0.20% base discount on BKB’s standard rates for the “fixed-rate” mortgage model when concluding a new mortgage or extending an existing mortgage.

Since the existence of a membership and salary or pension payments to an account managed at preferential conditions are permanent prerequisites for the granting of preferential conditions, BKB initially checks the membership card and regularly checks the receipt of salary or pension payments initiated by the cooperation partner's affiliated employers or pension funds on the accounts managed at preferential conditions within the framework of this cooperation. In addition, payment of the membership fee must be made through an account maintained at preferential conditions. The entitlement to preferential conditions ends as soon as the corresponding salary or pension payments are not made and/or the membership fee is not paid.

The conditions are valid at the time of publication. Subject to change.

1. Basic module

1. Basic module

The free basic module offers you the key products and services you need for your daily banking needs – from a CHF personal account and CHF savings account with bonus interest to a debit card in CHF or EUR through to E-Banking and free cash withdrawals at all cantonal bank and Bank Cler ATMs throughout Switzerland. On top of that you will get a special rate on FX-Trades.


2. Top-up module

2. Top-up module

With the top-up modules, you benefit from a free EUR personal account a waiver on the fee for clients with a foreign domicile. We offer you a credit card (main card) with valuable insurance benefits at half price. For a fee, you can request additional BKB credit cards and debit cards and take advantage of additional services, such as the advisory custody account.

Advisory module***

Advisory module***

With our advisory modules, you get more than just our expertise in a wide variety of financial areas. You also get a free service package for clients changing banks as well as attractive interest rates on mortgages in Switzerland (for properties used as a primary home only).

Here's a sample calculation

Here's a sample calculation

Banking package for members
(sample for illustration purposes, in CHF)

Of­fer Re­gu­lar pri­ce Your pri­ce Sa­vings p.a.
1 CHF per­so­nal ac­count 60 0 60
E-Set 0 0 0
1 de­bit card (Visa De­bit) 50 0 50
1 CHF sa­vings ac­count 0 0 0
1 EUR per­so­nal ac­count 60 0 60
FX Special Rate in­di­vi­du­al in­di­vi­du­al in­di­vi­du­al
Fee for cli­ents with a for­eign do­mi­cile 300 0 300
1 Visa Clas­sic cre­dit card 100 50 50
Ad­vi­so­ry De­pot Con­sult (as­sump­tion ∅ 250'000 CHF) 1'250 1'000 250
Sa­vings p.a. 770

The more services you choose, the more you benefit. We would be pleased to advise and assist you in putting together a package that meets your needs and calculate your annual savings.

* The preferential interest rate applies up to 500,000 CHF and to money that you deposit at BKB for the first time (from 500,000 CHF: 0.6 %). All the conditions on (only available in German).

** The offer refers to balancing and transfer fees from your previous bank. Early repayment fees in the mortgage business, withdrawal fees for savings accounts, etc. are excluded.

This information serves advertising purposes exclusively. The conditions are valid at the time of going to press. Subject to change.