Zest Bank International – Official Schedule of Fees & Charges
Applicable to All Personal, Corporate, Offshore & Investment Accounts
Regulated under Swiss Banking Law
1. Personal Savings Accounts
Designed for clients who value financial stability, conservative interest accumulation, and discreet Swiss-based asset management.
- Minimum Opening Balance: $5,000 USD
- Monthly Maintenance Fee: $25 USD
- Annual Compliance Review Fee: $150 USD
- Domestic Wire Transfers: $35 USD
- International Wire Transfers: $60 USD
- ATM Withdrawals (Global): $5 USD per transaction
- Dormant Account Fee: $100 USD annually (after 12 months inactivity)
- Account Closure Fee (within 6 months): $200 USD
- Debit Card Replacement Fee: $45 USD
- Currency Exchange Fee: 1.25% of transaction value
- Optional Relationship Manager: $500 USD annually
2. Current (Checking) Accounts
Ideal for clients who require liquidity, day-to-day banking, and access to local and global payment channels.
- Minimum Opening Balance: $10,000 USD
- Monthly Maintenance Fee: $50 USD
- Cheque Book Fee: $20 USD per booklet
- Cheque Processing Fee: $3 USD per cheque
- Overdraft Facility Setup: $500 USD
- Overdraft Interest Rate: 8% per annum
- Returned Cheque Fee: $100 USD
- Currency Exchange Fee: 1.5% per transaction
- Wire Transfer (Standard SWIFT): $75 USD
- Urgent Transfer (Same Day Processing): $125 USD
- Annual KYC Reconfirmation: $100 USD
3. Offshore Personal & Corporate Accounts
Structured for asset diversification, international protection, and compliant offshore financial management.
- Minimum Opening Deposit: $25,000 USD
- Monthly Maintenance Fee: $100 USD
- International Payment Fee: $50 USD per transfer
- Annual Cross-Border Tax Filing (Basic): $1,000 USD
- High-Risk Jurisdiction Screening: $2,000 USD
- Multi-currency Management Fee: $30 USD/month per currency
- Statement Retrieval (Historical): $75 USD/year
- Account Compliance & Risk Review: $500 USD/year
- Notarized Bank Letter: $150 USD
- Reactivation of Frozen Accounts: $1,000 USD
- Courier Dispatch for Certified Documents: $95 USD
4. Corporate Accounts (Swiss & International Entities)
Tailored to the operational, legal, and compliance needs of small, mid-sized, and multinational corporations.
- Minimum Opening Deposit: $50,000 USD
- Monthly Maintenance Fee: $150 USD
- SWIFT Wire Transfers (Corporate): $100 USD each
- Multi-signatory Controls Setup: $1,000 USD
- Corporate Card Issuance: $250 USD per card
- Annual AML & KYC Corporate Compliance Fee: $1,000 USD
- Document Legalization & Notarization: $400 USD per set
- Board Resolution Filing (Change of Structure): $200 USD
- Custom Corporate Reporting Services: Starting from $2,500 USD
- Certified Audit Certificate (Per Request): $750 USD
- Assigned Corporate Banker: $2,000 USD/year
5. NRIOC Accounts – Non-Resident Investment Offshore Checking Accounts
This account is a specialized, top-tier investment account for high-net-worth individuals and entities operating across multiple jurisdictions.
- Account Opening Fee: $274,239.33 USD (One-time, fully refundable)
- Minimum Opening Deposit: Inclusive in opening fee
- Monthly Maintenance Fee: $200 USD
- Global Remittance Handling Fee: $150 USD per outgoing transfer
- Corporate Legal Dossier Maintenance: $2,000 USD per annum
- Transaction Monitoring & Due Diligence (High-Risk): $500 USD per flagged transaction
- Custom Report: $3,500 USD
- Real-time Risk Alert Platform Access: $1,000 USD annually
- Temporary Account Suspension Penalty: $5,000 USD
- Reactivation Fee (Post Freeze/Audit): $7,500 USD
- AML Clearance Certificate (Upon Closure): $1,200 USD
- Mandatory Upgrade Fee: $20,000 USD – for elevated services and transactional access
6. General Banking & Administrative Fees
Applies across all account categories unless stated otherwise:
- Replacement of Security Token: $100 USD
- Banking Status Letter / Reference: $75 USD
- Swiss Apostille Service: $300 USD per document
- Document Notarization: $250 USD
- Account Closure Fee: $500 USD
- Custom Audit Report (Client Request): $1,200 USD
- Real-time Transaction Monitoring Setup: $500 USD
- Wealth & Trust Advisory Session: $1,500 USD
- Document Archiving & Secure Retention (5 Years): $350 USD
- Client Support Liaison (Priority Handling): $750 USD annually
Currency, Regulatory & Legal Notes
- All charges are denominated in USD
- Zest Bank International is regulated by Swiss Banking Law
- Subject to global compliance protocols
- Periodic KYC verification is mandatory
- Fee structure may change based on regulatory changes or client risk profile