Be wary if you get a phone call from someone claiming to be an IT support person. When making payments, be sure to check the payee's bank details and the amount. Your log-in details are confidential, never share them with anyone!

❮ Back

Gold MasterCard® or Visa credit card

Our Gold credit cards offer comfort and flexibility for your business transactions. They are designed specifically for people with high expectations in terms of customer service and features.

Key features

Accepted at shops in Switzerland and abroad. Our Gold cards include contactless payment technology and the 3-D Secure system for secure online payments.
Monthly spending limits are set according to your needs and finances.
Our Gold cards include purchase protection and travel insurance – especially important if you have an emergency while abroad.

Details

Accepted around the world

Use our Gold World MasterCard® and Visa cards anywhere you are, in Switzerland or abroad.

You can withdraw cash in the local currency when you're in another country.

Select the currency of your Gold card (CHF, EUR, or USD) and make payments in the currency of your choice.

If you need to rent a car, our Gold card lets you do so without a cash deposit; it also includes insurance for the deductible in case of an accident.

Contactless payments

With our cards, you can make payments of up to CHF 40 with a simple wave of your hand. No need to sign a receipt or enter a PIN.

Secure online payments

VisecaOne is both an online service and an app for smartphones. It allows you to check your transaction history and available balance, and download bills free of charge.
VisecaOne provides an extra layer of security for all your online transactions, by letting you verify and approve all online payments you make with your card. You can access your account anytime, anywhere using a dynamic authentication procedure – making the process easier and more secure.
VisecaOne also uses MasterPass, a secure digital wallet. That means you no longer have to enter your card details because they are already recorded.

Purchase and travel insurance

When you use your BCV Gold card, your purchases are automatically covered by purchase protection and travel insurance.

That includes:

Travel insurance if you need to change or cancel a trip
Best price guarantee
Protection against lost, stolen, or damaged luggage
Protection against late luggage arrival
Purchase protection
Insurance for the deductible if you rent a car and get into an accident

Learn more about this insurance at www.viseca.ch.

Loyalty points

Every time you use your Gold card, you collect surprize points that you can trade in for special offers and discounts. Learn more at www.surprize.ch.

You can also use surprize points to get a discount on your credit card’s annual fee (registration required).

Anytime, anywhere support

With your Gold card, you're automatically protected if your card is lost or used fraudulently (conditions apply).

You can get emergency assistance while you're travelling (including where to find nearby doctors, hospitals, and lawyers) from our partner Viseca.

Fees and conditions

	BCV Gold MasterCard – BCV Gold Visa
Currency	CHF / EUR / USD
Monthly limit	Up to CHF 100,000 or equivalent, depending on your situation
Annual fee	CHF / EUR / USD 200/year ou EUR/USD 150/year Additional card: CHF 50/year with joint statement CHF 75/year with separate statement EUR/USD 75/year with joint or separate statement
Withdrawals at ATMs operated by BCV or other cantonal banks	With direct debit function: no fee Without direct debit function: 3.5% (CHF 5 min.)
Withdrawals at other ATMs in Switzerland	With direct debit function: CHF 3/retrait en CHF CHF 5/retrait en EUR* Without direct debit function: 3.5% (CHF 10 min.)
Withdrawals at ATMs outside Switzerland	3.5% (CHF 10 min.)*
Over-the-counter withdrawals outside Switzerland	4% (CHF 10 min.)
Handling fee for foreign-currency purchases	1.5% max.
Contactless payment	With Paypass/PayWave for amounts up to CHF 40
Card replacement	Within 48 hours in the event of theft