logo BCGE
log on Online solutions


the BCGE


21 branches, only one number

058 211 21 00

(Mon. to Fri. from 7.30am to 7.30pm and Sat. from 9am to 4pm)
Contact forms


Banque Cantonale de Genève
Quai de l'Ile 17 - CP 2251
1211 Genève 2

Fax : +41 58 211 21 99

CCP CHF12-1-2
CCP EUR91-518772-8
GIIN:   CGGLK0.00000.LE.756

BCGE branches and ATMs

You are looking for ?

Where ?

Emergency numbers security cards

Emergency numbers :

Security and protection :

Guarantee granted in favour of savings deposits

Deposits with the BCGE benefit from a federal guarantee. Below, you will find the main aspects of this scheme.

The guarantee scheme provided for by the Federal Banking Act

The Federal Banking Act prescribes that all banks must guarantee privileged deposits through the association named the "Swiss Banks' and Securities Dealers' Depositor Protection Association" ("esisuisse"). Deposits are guaranteed up to a total value of CHF 100,000 per depositor. Contributions made by banks and securities dealers are repaid to them out of the proceeds of the liquidation of the insolvent bank.

All natural or legal persons holding deposits in banks in Switzerland benefit from the "esisuisse" guarantee in accordance with the provisions on www.esisuisse.ch . The granting of the privilege and the guarantee is independent of the fact that the person is resident in Switzerland or abroad.

Privileged deposits are deemed to be:

  • account assets held in the name of the bank's client;
  • medium-term notes in the bearer's name and deposited with the issuing bank (even if bearer claims against the bank are involved);
  • tied pension plan assets (pillar 3a);
  • vested benefit foundation deposits;
  • deposits held with foreign branches of the bank.

For most of them, privileged deposits are guaranteed by the "esisuisse" deposit guarantee scheme, which is an integral part of Swiss legislation. In the event of a bank's bankruptcy, "esisuisse" and/or all its members (all Swiss banks and securities dealers) shall make available, for these guaranteed deposits, funds enabling legitimate creditors to be paid off rapidly. Hence, the following privileged deposits are guaranteed by "esisuisse" up to CHF 100,000:

  • assets belonging to individuals, business enterprises and public authorities, meaning for example private accounts, savings accounts, investment accounts, salary accounts, numbered accounts, deposit accounts and current accounts medium-term notes in the bearer's name and deposited with the issuing bank;
  • the privilege and the guarantee apply only per depositor and per bank. If a client holds several accounts with the same bank, the assets are added together but the privilege and the guarantee are capped at CHF 100,000 in total. If the client's assets exceed the cap, the remaining claims will be treated like the claims of other creditors and allocated to the 3rd category in the bankruptcy proceedings.

Vested benefit foundation deposits are considered as the deposits of each of the pension beneficiaries or insured persons and are privileged as such. This privilege is valid (together with pillar 3a deposits) independently of other deposits held by the pension beneficiary or insured person up to the ceiling of CHF 100,000. Similarly, assets in a pillar 3a account are privileged. The privilege is valid independently of other deposits held by the depositor concerned up to CHF 100,000 (with the vested benefit foundation deposits).

Up until end-December 2016, the cantonal law governing the Cantonal Bank of Geneva provided for the Canton of Geneva guaranteeing repayment in capital and interest of savings and pension deposits held with the bank. In June 2011, the Grand Council of the Republic and Canton of Geneva decided to progressively eliminate the cantonal guarantee as of 31 December 2016.

Consequently, since 1 st January 2017, savers' deposits benefit only from the federal guarantee.

Further information Please contact your BCGE adviser who will be pleased to provide you with any additional infomation.

Exchange rates


EUR EUR Atm 1.195 
EUREUR 1.2078 cours euro en baisse
USDUSD1.0059 cours usd en hausse
GBPGBP1.3901 cours usd en hausse
YENYEN0.9039 cour du yen en hausse
EUR EUR Atm 1.161 
EUREUR1.1489 cours euro en baisse
USDUSD0.9212 cours usd en hausse
GBPGBP1.2627 cours usd en hausse
YENYEN0.8343 cour du yen en hausse

Indicative informations

BCGE group investment strategy

Stock market report (French only)

Stock market prices

BCGE 166.00 0.61% cours en hausse
SMI 9,449.41 -0.15% cours en baisse
cours action bcge Data source: SIX Financial Information SA
© 1999-2018 BCGE
   Banque Cantonale de Genève
   Case postale 2251
   1211 Genève 2
   Tél: 058 211 21 00