EU-Richtlinie: Bekommen Deutsche bald kein Schweizer Bankkonto mehr?
Wollen Schweizer Banken Kunden in Deutschland ansprechen, brauchen sie dafür ab 2027 eine Filiale vor Ort. Was das für deutsche Kunden mit einem Konto in der Schweiz bedeutet.
In Europe, wealthy Germans have long been fans of Swiss banks. Despite the weakening importance of Swiss banking secrecy, the financial hub continues to enjoy a sterling reputation. However, a new EU directive under the EU-banking package has caused a stir. Though enacted nearly two years ago, its implementation draws nearer. As of January 11, 2027, new rules for banks from third countries will apply when dealing with customers in the European Union.
Known as the Capital Requirements Directive VI (CRD VI), the directive aims to strengthen financial stability and eliminate the patchwork of regulations across Europe. One consequence: banks will no longer be able to pursue certain business practices originating from Zurich, London, New York, or Tokyo. If institutions from third countries wish to continue offering core services (savings accounts, loans, and guarantees) to EU citizens, they will need a branch in the respective EU country.
CRD VI affects banks from countries such as the UK, the US, Japan, and Singapore – including Swiss banks. For Swiss banks, the EU represents one of their most important foreign markets. Nearly 40 percent of cross-border assets managed from Switzerland originate from Western Europe, which includes EU states.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
