So I will be switching to a different bank soon. I want to make sure I have everything in order.
I have cancelled all the lsv direct debits from current bank.
Added the ebills for regular payments to next bank.
I will check and switch the standing orders soon to the new bank.
Have to alert my employer of change of bank of course.
Should I download some specific documents from current bank? Like all transactions up to date?
When do I tell the current bank? Before or after I wire myself the remaining money?
Yes! All of them. Why wouldn’t you? It’s like 10 min. task now and can be a hassle in the future…
You can also let the current bank handle this. Just ask for a account closure (ger: “Saldierung”) providing the IBAN of the new bank. IMO, they have to calculate and wire the pro rata interest of the current year to the new bank anyway…
hm, not that I can think off LSV eBill Standing order Employer Documents Remaining balance / interests
…any other senders that may have your account number saved for payments to you, e.g. health insurance, tax administration, cashback site, investment accounts or deposits where you registered your account as a reference account?
You should wire some of your money by yourself in your new bank account in order to not being out of money for some days (ot happens to me once, luckely I had some extra cash with me for 2-3 days, because I wasn’t able to pay with my old ans new bank )
I’d wire all by myself and then ask them to close. For some banks (eg Migros) it cost 20chf to close an account. If the account is empty, they won’t chase you. Also if you have/had more than a certain amount, it’s probable that they get that money from the accrued interests anyway.
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