# CS to launch new digital banking offering
**URL:** https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394
**Category:** Banks, Insurances & Third Pillar
**Created:** [September 10, 2020, 10:44am UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394 "2020-09-10T10:44:47Z")
**Posts on this page:** 20
**Page:** 3
### Author:  [@nabalzbhf](https://forum.mustachianpost.com/u/nabalzbhf)
#### Post date: [November 3, 2020, 6:20pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/41 "2020-11-03T18:20:45Z")
> [@Thaek](#):
>
> That’s correct. Nevertheless I encounter situations like this each month on a regular basis.
Btw with UBS the form is pretty easy to fill out, did it a few times when buying a flight on swiss. (and I’m sure the merchant will quickly change their tune after that)
---
### Author:  [@anon90991199](https://forum.mustachianpost.com/u/anon90991199)
#### Post date: [November 7, 2020, 10:53am UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/42 "2020-11-07T10:53:41Z")
Unfortunately, US persons are not allowed to open an account, at least not directly via the app.
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### Author:  [@leman](https://forum.mustachianpost.com/u/leman)
#### Post date: [December 28, 2020, 11:31pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/43 "2020-12-28T23:31:06Z")
Apparently, there is a possibility to open a savings account, with a Cash Service card.
But is it possible to open a Euro account on CSX as well?
Thank you!
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### Author:  [@ThePortugueseExpat](https://forum.mustachianpost.com/u/ThePortugueseExpat)
#### Post date: [December 29, 2020, 7:49am UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/44 "2020-12-29T07:49:30Z")
Hi everyone,
I am looking for your advise.
I opened a CSX account, transferred around 1k CHF and all seemed well.
I change the destination account for my salary to that account and once I tried to make a payment, it shows as “Provisional” and if I look deeper it is pending from the bank side.
I contacted the support line several times and they told me that this is a technical problem that locked my account and that they are working on it.
In the end my account is still locked for no reason since the 22nd. What is the best course of action?
Go to a bank branch in person?
The person working on this issue told me that I didn’t need to do that but this situation is really annoying.
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [December 29, 2020, 11:25am UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/45 "2020-12-29T11:25:02Z")
> [@ThePortugueseExpat](#):
>
> What is the best course of action?
> Go to a bank branch in person?
>
> The person working on this issue told me that I didn’t need to do that but this situation is really annoying.
Well, support told you you don’t need to go. Bank branches can hardly anything do on the spot themselves to unfreeze your account, the particular payment, or solve any other problem with their backend system. Most probably even less so on an (predominantly) online account.
…unless, maybe, they do have a compliance problem due to missing your ID documents.
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### Author:  [@ThePortugueseExpat](https://forum.mustachianpost.com/u/ThePortugueseExpat)
#### Post date: [December 29, 2020, 11:29am UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/46 "2020-12-29T11:29:56Z")
No missing documents, just an error when transferring data from Swisscom to Credit Suisse.
It’s just really annoying that it’s taking so long to fix it
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### Author:  [@MrCheese](https://forum.mustachianpost.com/u/MrCheese)
#### Post date: [December 29, 2020, 12:11pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/47 "2020-12-29T12:11:51Z")
Well I assume they were on holidays until yesterday. Maybe try to call again today?
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### Author:  [@ThePortugueseExpat](https://forum.mustachianpost.com/u/ThePortugueseExpat)
#### Post date: [December 29, 2020, 12:28pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/48 "2020-12-29T12:28:27Z")
I did that today and yesterday, they told me that it should be fixed yesterday but still nothing.
Unfortunately it seems like I will have to wait.
Thank you for the input everyone
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### Author:  [@kokoswiss](https://forum.mustachianpost.com/u/kokoswiss)
#### Post date: [December 20, 2021, 2:51pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/50 "2021-12-20T14:51:47Z")
These posts are so informative — thanks to all of you for these details. I’m infuriated because, as a dual US-Swiss citizen, my options are extremely limited. I was sold on Neon, then CSX…but it seems like my only option is to pay UBS or CS exorbitant amounts just because they’re willing/able to send tax documents/reports back to Big Brother, USA. Does anyone have any other suggestions? I don’t care so much about cash withdrawals; I just need a Swiss IBAN and debit card… Very grateful for any suggestions you have I may have overlooked.
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### Author:  [@kokoswiss](https://forum.mustachianpost.com/u/kokoswiss)
#### Post date: [December 20, 2021, 5:13pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/52 "2021-12-20T17:13:40Z")
Thanks, Patron. I thought PostFinance had hiked up its fees, but I’ll do some more research. Yuh doesn’t accept US citizens and I’m assuming it’s the same for Zak. I’ll check out the cantonal banks here in GE. My income is so meager that I don’t qualify for any of the reductions granted to bigger investors, unfortunately 🙂
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [December 22, 2021, 12:33pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/54 "2021-12-22T12:33:11Z")
> [@Patron](#):
>
> For people who don’t like the fancy Neon colours, or don’t want to bank with **government owned** banks or some bank they have never heard of before in the Canton of Aargau
Hypothekarbank Lenzburg is an exchange-listed company though and **not** government-owned, is it?
---
### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [December 22, 2021, 5:54pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/56 "2021-12-22T17:54:28Z")
> [@Patron](#):
>
> Zak doesn’t have E-Bill either and probably won’t ever have it, when I called them they just wanted to upsell some regular Cler products, so I guess they just use Zak for marketing. Furthermore, they are ex-Bank Coop, not sure if that’s a good omen when retail stores get into banking.
How come you [obviously](https://forum.mustachianpost.com/t/experience-with-zak-rant/7390/3) are (or have been) a Zak customer then - considering they’ve been a [subsidiary of Basler Kantonalbank](https://www.cler.ch/de/bank-cler/uber-uns/seit-1927) for more than 20 years?
😉
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### Author:  [@nabalzbhf](https://forum.mustachianpost.com/u/nabalzbhf)
#### Post date: [December 22, 2021, 7:37pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/58 "2021-12-22T19:37:10Z")
> [@Patron](#):
>
> Now I can proudly say that I’m not a customer anymore of any government-owned institution.
No SBB or other public transportation? Or post? 🙂
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [December 22, 2021, 8:19pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/60 "2021-12-22T20:19:11Z")
> [@Patron](#):
>
> The post office is unfortunately something that hasn’t been privatised yet, so **there is no other choice** , but I’m only using it to send and receive letters
There’s enough choice. I really can’t think of any privately-owned parcel service that _won’t_ accept accept and deliver document shipments. Most services will even offer such exquisite and consumer-friendly service that they’ll even pick it up at your doorstep.
You just seem to be a bit too cheap to stick to your own principles there, aren’t you?
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [December 22, 2021, 9:03pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/62 "2021-12-22T21:03:32Z")
off-topic:
> [@Patron](#):
>
> I maybe send 1-2 letters per years mostly registered mail to quit something or because I return a form to a company etc
…and exactly _that_ can be done by parcel services.
> [@Patron](#):
>
> many companies receive letters using a P.O. box
That’s just a convenience for customers (maybe?) and them (definitely).
But you can just send and deliver to their registered company address.\*
While that may be _uncommon_ domestically and _unexpected_ to receive customer communication that way, it’s not complicated or problematic at all\*. Companies are set up to receive parcels all the time. Not only for supplies, but they’re also _legally obliged_ to provide a physical address where they’re able to receive things. If they can’t, they risk swiftly losing their domicile in the companies register.
And for anything personal we’d rather use Email or a Messenger nowadays, don’t we?
\* PS: …where, at big corporations, your mail will often end up at their corporate HQ and/or physical mail rather than customer service. And that _will_ have people used and able to deal with your mail swiftly and competently, rather than your normal customer service ape. Cause big corporations won’t risk legal communication lying around for days or weeks.
Worst case, they’ll forward it to customer support and you lose a day or two. Often though, they’ll escalate it to someone competent outside of the normal queue, i.e. much faster/better. Especially if you’re filing a complaint and they have a complaint handling procedure/department.
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### Author:  [@agniles](https://forum.mustachianpost.com/u/agniles)
#### Post date: [December 23, 2021, 6:34pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/64 "2021-12-23T18:34:01Z")
Do you realize that Swiss Post was rated as best in the world for the third time in a row? I wouldn’t agree that they are not innovative … take the recent NFT Stamp as an example.
> **[Weltpostverein kürt Schweizer Post zur "besten Post der Welt"](https://www.swissinfo.ch/ger/weltpostverein-kuert-schweizer-post-zur-besten-post-der-welt/47012402)**
>
> Zum fünfte Mal in Folge ist die Schweizerische Post zur besten Post der Welt gekürt worden. Auf Platz zwei und drei setzte der Weltpostverein für das Jahr 2021 die Deutsche und die Österreichische Post. Auf dem Schlussplatz rangiert Haiti. Der Preis...
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [December 23, 2021, 10:32pm UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/65 "2021-12-23T22:32:16Z")
I’m not here to judge people or dispute everything they say personally.
Couldn’t resist pointing out though how one could be even firmer in - and live up to - one’s own his principles. 😉
And, honestly, it’s quite an intriguing question:
Can you live without products or services from government-owned providers (to what degree and how?)
I‘m bit perplexed though about the characterisation of Swiss Post as one of the very least innovative companies.
Even from a basic end-user perspective they‘ve done quite a bit (SMS postage, change of delivery options online, Swiss Post Box spring to my mind)
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### Author:  [@ma0](https://forum.mustachianpost.com/u/ma0)
#### Post date: [December 24, 2021, 9:11am UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/67 "2021-12-24T09:11:42Z")
You are all feeding a troll in the wrong thread.
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### Author:  [@weirded](https://forum.mustachianpost.com/u/weirded)
#### Post date: [March 25, 2023, 7:48am UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/69 "2023-03-25T07:48:22Z")
My wife has her account with CSX. I wonder what’s going to happen with this one, once the takeover is finalized …
Any bet ? Is UBS offering any similar free product ?
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [March 25, 2023, 7:53am UTC](https://forum.mustachianpost.com/t/cs-to-launch-new-digital-banking-offering/4394/70 "2023-03-25T07:53:58Z")
Will be merged to their Key4 offering would be my guess.
[https://www.ubs.com/ch/en/private/accounts-and-cards/bundles/key4.html](https://www.ubs.com/ch/en/private/accounts-and-cards/bundles/key4.html)
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