Bank BSU Genossenschaft

Bank BSU Genossenschaft is a Swiss cooperative bank headquartered in Uster (Canton Zurich) that focuses on retail and small business banking in its local catchment area. It is supervised by FINMA and is a member of the esisuisse deposit insurance scheme, which protects eligible client deposits up to CHF 100,000 per bank. The product set covers current and savings accounts, payment services, debit and credit cards (often issued with partners), mortgages and construction financing, retirement and investment solutions, and SME accounts with cash management. Access is via local branches and online channels including e-banking and a mobile app; German is the primary service language. As a cooperative, customers can acquire membership shares and vote at the general assembly; any member remuneration depends on results and the terms attached to cooperative shares. Account opening typically requires Swiss residency and in-person identification, and availability for non-residents or cross-border clients may be limited. International transfers and SEPA payments are processed using Swiss IBANs and SWIFT, with fees and FX margins set by the bank. Pricing for accounts, cards, payments, and custody is defined in the published tariff; package conditions and waivers may depend on balances, age groups, or bundled services. Interest rates on deposits and mortgages change with market conditions; mortgage offerings generally include fixed and SARON-linked terms with standard collateral and affordability checks. The bank follows Swiss capital and liquidity requirements and discloses key figures in its annual reports; it is not designated systemically important at the national level. Prospective clients should review the current fee schedule, interest rates, and terms on the bank’s website and confirm service availability for their profile before applying.