【實測】開瑞士 Dukascopy 離岸戶口教學｜真正接受港人申請的銀行戶口！

關於Dukascopy新的實體卡，佢8月有update：
https://www.dukascopy.com/swiss/english/about/ournews/dukascopy-bank-has-launched-the-collaboration-with-swiss-bankers-cards-services

手續費等同之前果張唔同，重點：
．無月費
．郵寄實體卡費用 25 CHF（UPS速遞）
．每筆簽賬交易都會收手續費 1 CHF / 1 EUR / 1 USD
．瑞士以外的外國ATM提款手續費每次 7.50 CHF / 7.50 EUR / 7.50 USD
以下兩點我英文差唔肯定係咪：
．並非扣賬卡而係Master信用卡，信用額 10,000 CHF
．從 Dukascopy 戶口過錢落卡（交卡數？）每次手續費 0.75%

有少許不明白
1) 外幣戶口是否每次提款/轉出都要比手續費? 例如歐元戶口 , 於歐洲提款/轉去其他歐洲銀行戶口2) 如果Dukascopy歐圓外幣戶口轉錢去英磅外幣戶口只是跟Dukascopy的兌換率? 不用給匯款出金的手續?3) Dukascopy Debit Card 是否虛擬/實體卡每月都要比CHF2?

請問如開設英磅存款，在英國以預付卡提款，會被收取什麼費用？

2月份用了這處提供的promotion code 在Dukascopy 開户，取得 5DUK，之後個户口一直放係度冇理佢，4個月後因inactivity fee 被扣了5DUK⋯⋯

請問有收款和匯款有最大額限制嗎?

你好!
剛收到dukascopy的email.
請問應該點樣處理？
Thanks!
——–

Your account will be reported to Swiss tax authority for Automatic Exchange of Information (“AEOI”) – please check tax residence

Dear Sir, Dear Madam,

You receive this message because Dukascopy Bank SA (“Dukascopy”) is preparing to communicate certain information related to your account and to you and/or to other holder(s) or beneficial owner(s) of your account to the Swiss Federal Tax Administration (“FTA”) by 30.06.2021 for the purpose of AEOI.
The FTA will transfer the information received from Dukascopy to relevant tax authorities of the states having signed an agreement with Switzerland for AEOI (“Partner States”) in order to fight against tax evasion.

According to our records, at least one holder or beneficial owner of your account had tax residence in a Partner State on 31.12.2020.

Please be so kind to verify and complete your tax information online.

We determined the tax residence of the persons/entities linked to your account based on their home/corporate address registered in our books or via the tax information you provided to us.

If you believe that we may have wrongly determined their tax residence, please update us (i) by accessing the Account section / personal information / tax information of your online reporting if your account is linked to only one natural person or (ii) by writing to [email protected] in all other cases (MCA, joint accounts, legal entities, several beneficial owners, etc.).

If you are not the (unique) holder and beneficial owner of the account, please transmit this message to all account holders and beneficial owners of your account having tax residence in at least one Partner State.

Partner States for the year 2020 are Andorra, Antigua and Barbuda, Argentina, Aruba, Australia, Azerbaijan, Barbados, Belize, Brazil, Canada, Chile, China, Colombia, Cook Islands, Costa Rica, Curaçao, Dominica, European Union member states (including Åland Islands, the Azores, French Guiana, Guadeloupe, the Canary Islands, Madeira, Martinique, Mayotte, La Réunion and Saint Martin), Faroe Islands, Ghana, Gibraltar, Greenland, Grenada, Guernsey, Hong Kong, Iceland, India, Indonesia, Isle of Man, Israel, Japan, Jersey, Lebanon, Liechtenstein, Macao, Malaysia, Mauritius, Mexico, Monaco, Montserrat, New Zealand, Norway, Pakistan, Panama, Qatar, Russia, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Saudi Arabia, Seychelles, Singapore, South Africa, South Korea, United Kingdom, Uruguay.

The list of Partner States is available at https://www.sif.admin.ch/sif/en/home/multilateral/steuer_informationsaust/automatischer-informationsaustausch/automatischer-informationsaustausch1.html

Legal basis for AEOI

As a Swiss bank, Dukascopy has no option but to participate in AEOI in accordance with the Multilateral Convention on Mutual Administrative Assistance in Tax Matters (administrative assistance convention), the Multilateral Competent Authority Agreement on the Automatic Exchange of Financial Account Information (MCAA) dated 29.10.2014 and the Federal Act on the International Automatic Exchange of Information in Tax Matters (AEOI Act) dated 18.12.2015. The Ordinance on the International Automatic Exchange of Information in Tax Matters (AEOI Ordinance), which contains the implementing provisions for the AEOI Act, was adopted by the Federal Council on 23.11.2016. The legal basis for the AEOI was thus created and entered into force on 01.01.2017.

What information will be collected and reported?

The full name, address, tax identification number and date of birth/incorporation of all persons and legal entities linked to the account as account holder or/and beneficial owner if they have tax residence in at least one Partner State.

In addition, Dukascopy will transmit to the FTA the account number, the account balance as at 31.12.2020, the total profit or loss resulting from investments on the account, if any, for the year 2020, and the name/identifier of Dukascopy.

How the reported account information will be used?

As per current regulation, the reported information may only be used for handling or supervising taxation in the Partner States, which receive it. Partner States must keep the information confidential and shall not forward it to any other states.

What rights do you have?

You have the following rights under the AEOI Act and the Federal Act on Data Protection (FADP):

(i) Vis-à-vis Dukascopy Bank

You are entitled to the full extent of legal protection offered by the Federal Act on Data Protection (FADP). In particular, you have the right to request which information has been collected about you for reporting to the FTA. On request, Dukascopy shall provide you with a copy of its report to the FTA. Moreover, you are entitled to request that incorrect data about you in Dukascopy systems be corrected.

(ii) Vis-à-vis FTA

You have the right to access information and to request that incorrect data about you resulting from errors in the reporting process be corrected.

For the rest we refer to the article 25a of the Federal Act on Administrative Procedure.

What are your obligations?

As per article 35 of the AEOI Act, providing Dukascopy with false statements or missing to update Dukascopy regarding AEOI (e.g. misleading Dukascopy about one’s tax residence) is punishable by a fine of up to CHF 10’000.

How can I get further information?

Visit our FAQ https://www.dukascopy.com/swiss/english/about/faq/ or write to [email protected].

請問Swissquote的帳戶和payment cards你們有資料, 以及推介讀者申請嗎? 唔知Swissquote和Dukascopy邊間好D呢? 先謝!