BCJ Compte Revenu
Cantonal Bank of Jura (BCJ)
Overall Rating
Account Mgmt
CHF 24
Interest Rate
0.00%
Currency
CHF
Our Take on BCJ Compte Revenu
A Jura cantonal bank that charges CHF 0.50 to view your own statements online.
The BCJ Compte Revenu ranks #42 among Switzerland's 46 private accounts. It's the everyday account from Banque Cantonale du Jura, serving one of Switzerland's smallest cantons. At CHF 74 per year, the total cost is moderate, but the per-statement fees feel outdated for 2026.
What Does CHF 74 Per Year Get You?
Annual cost: CHF 74 (CHF 24 for account management plus CHF 50 for the Debit Mastercard). That's actually on the affordable side compared to many cantonal banks. Domestic payments are free, SEPA transfers cost CHF 1 each, and non-SEPA international payments are CHF 5.
The CHF 1 SEPA fee is minimal but not free. If you send 20 SEPA payments per year, that's an extra CHF 20. Combined with the base cost, your effective annual spend reaches around CHF 94 for moderate international usage.
What Actually Stands Out
In all candor, the regional cantonal bank guarantee is the primary draw. BCJ carries a state guarantee from the Canton of Jura, providing deposit security beyond the standard Swiss deposit insurance. For residents of the Jura region, having a local bank with deep community ties matters.
Mobile banking and online banking are both available. The Debit Mastercard covers standard payment needs. Free domestic payments keep the day-to-day banking costs predictable if you stay within Switzerland.
What Most Reviews Miss
Each online account statement costs CHF 0.50. In an era where most banks provide digital statements for free, charging per view feels like a relic. Check your account monthly, and you're paying CHF 6 per year just to see your own balance and transactions.
The minimum age is 25, which is higher than the typical 18-year threshold. Cash withdrawals follow the standard pattern: free at BCJ ATMs, CHF 2 at others, CHF 5 abroad. No contactless payments on the debit card. The feature set is minimal for what you're paying.
The Bottom Line
BCJ Compte Revenu is a straightforward regional bank account for Jura residents who value local presence and cantonal backing. It's not competitive nationally, and the per-statement fee is an annoyance. If you're outside the Jura region, you have no reason to consider this. See the full ranking of best private accounts in Switzerland.
Verdict: Regional choice for Jura residents only. Not competitive outside its home canton.
Pros
- No minimum deposit required
- Modern mobile and online banking
Cons
- Annual management fee (CHF 24)
- Annual debit card fee of CHF 50
- SEPA payment fee of CHF 1
- No contactless payment
- Age restriction: From age 25
Account Details
At a Glance
Account Mgmt
CHF 24/year
Interest Rate
0.00%
Debit Card Fee
CHF 50/year
Currency
CHF
Fees & Costs
Fees & Costs
Account Opening Fee
No fee
Account Mgmt
CHF 24/year
Debit Card Fee
CHF 50/year
Cash Withdrawal (Switzerland)
Own ATMs free, others CHF 2.00
Cash Withdrawal (Abroad)
CHF 5
Outgoing Payment (CH)
No fee
SEPA Payment
CHF 1
Non-SEPA Payment Abroad
CHF 5
Banking Features
Banking Features
Mobile Banking
Available
Online Banking
Available
Debit Card Options
Key Features
- Mobile banking available
- Online banking available
- Debit Mastercard included
- Free cash withdrawals at own ATMs
- Low minimum deposit requirement
Age Requirement
From age 25
Withdrawal Terms
Withdrawal Terms
Account Closure
Free of charge
Calculate Your Annual Cost
Annual cost breakdown:
Total Annual Cost
CHF 74
Rating by Category
Compare to Similar Accounts
Frequently Asked Questions
- Why is the online statement subject to charges?
- CHF 0.50 per online statement of account, which is uniquely odd: nearly every Swiss bank delivers digital statements free. Run twelve months of statements and you've paid CHF 6 for documents that cost the bank cents to render. Mail is also paid, so there's no free fallback.
- Why does BCJ charge a CHF 12 account-closing line item?
- CHF 12 account closing fee, while annual closures are free. Most Swiss private accounts waive closing entirely, so it's something to factor in if you might switch banks. CHF 12 is small in absolute terms but unusual in a market where free closure is standard.
- Why is the foreign-currency fee a flat CHF 1.50 instead of a percentage?
- Flat CHF 1.50 per foreign-currency debit purchase, regardless of amount. Big spenders win versus the typical 1.25% to 1.5% percentage models, but the small-tap penalty is real: a CHF 4 espresso in euros becomes CHF 5.50 effective. Break-even versus a 1.5% peer sits around CHF 100.
How We Rated This Account
Wondering why BCJ Compte Revenu got its score? We rate Private Accounts accounts using a weighted formula. Here's what counts.
Same formula for every account in this category. No exceptions.
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Open the BCJ Compte Revenu today and start enjoying its benefits.