Graubündner KB Private Account
Cantonal Bank of Graubünden (GKB)
Overall Rating
Account Mgmt
CHF 48
Interest Rate
0.00%
Currency
CHF
Our Take on Graubündner KB Private Account
A cantonal bank with an age ceiling. Over 60? You can't open this one.
The Graubündner KB Private Account ranks #32 among Switzerland's 46 private accounts. It's a standard cantonal bank offering from the Grisons region with CHF 88 in annual fees and zero interest. If you're between 25 and 60 and value regional banking, here's the full picture.
Are the Fees Worth It?
Total annual cost: CHF 88 (CHF 48 account management plus CHF 40 for the Debit Mastercard). You're paying that for zero interest on your balance. For context, several free accounts rank higher, and even fee-bearing cantonal bank accounts often cost less.
Free domestic payments and free SEPA transfers help, but non-SEPA international payments cost CHF 5 each. Cash withdrawals at GKB ATMs are free, while other ATMs cost CHF 2 per withdrawal. Abroad, it's CHF 5 per withdrawal.
What Actually Stands Out
The main draw is cantonal bank security. Graubündner Kantonalbank carries a state guarantee from the Canton of Graubünden, meaning your deposits have stronger backing than most private banks. That's a tangible advantage if deposit safety is your top priority.
The account also works in EUR, which is useful for cross-border workers or anyone dealing regularly with eurozone payments. You also get a discount for using debit card payments over cash, though the exact terms vary.
What Most Reviews Miss
The age restriction is unusually strict: 25 to 60 years old. If you're 24 or 61, you literally can't open this account. Most Swiss banks have a minimum age but no upper limit. GKB funnels younger and older customers to different products.
Each additional account statement costs CHF 2, and postage is charged separately. No contactless payments on the debit card either. In 2026, that's a notable gap. Most competing cantonal banks now include contactless as standard.
The Bottom Line
At CHF 88 per year with zero interest, this is a below-average deal for most people. The cantonal guarantee is real, but you can find similar security at lower cost. If you live in Graubünden and want local branch access, it serves that purpose. Otherwise, check our best private accounts in Switzerland for stronger options.
Verdict: Regional loyalty account for Graubünden residents aged 25-60. Not competitive on price or features nationally.
Pros
- No minimum deposit required
- Modern mobile and online banking
- Free SEPA payments
Cons
- Annual management fee (CHF 48)
- Annual debit card fee of CHF 40
- No contactless payment
- Age restriction: Age 25 to 60
Account Details
At a Glance
Account Mgmt
CHF 48/year
Interest Rate
0.00%
Debit Card Fee
CHF 40/year
Currency
CHF
Fees & Costs
Fees & Costs
Account Opening Fee
No fee
Account Mgmt
CHF 48/year
Debit Card Fee
CHF 40/year
Cash Withdrawal (Switzerland)
Own ATMs free, others CHF 2
Cash Withdrawal (Abroad)
CHF 5
Outgoing Payment (CH)
No fee
SEPA Payment
No fee
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
Age 25 to 60
Withdrawal Terms
Withdrawal Terms
Account Closure
Free of charge
Calculate Your Annual Cost
Annual cost breakdown:
Total Annual Cost
CHF 88
Rating by Category
Compare to Similar Accounts
Frequently Asked Questions
- What happens to my Graubündner KB account when I turn 60?
- The standard Private Account is for ages 25-60. After 60 the bank migrates you to a senior product with potentially different fee terms. Confirm the senior-tier pricing with GKB before your 60th birthday so the transition isn't a surprise.
- What's the GKB 'discount for debit card use' feature?
- GKB applies a discount on the management fee tied to debit card usage, with the exact mechanics depending on the card volume per period. Ask your GKB advisor for the latest discount table. The bigger picture: actively running your day-to-day spending through the GKB Debit Mastercard rebates some of the package cost.
- Can I run my GKB Private Account in EUR?
- Yes, account management is also possible in EUR alongside CHF. SEPA payments out of the EUR account are free. Useful for residents of Graubünden with cross-border income or expenses, especially given the canton's proximity to Italy and Austria.
How We Rated This Account
Wondering why Graubündner KB Private Account 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.
Ready to Open?
Open the Graubündner KB Private Account today and start enjoying its benefits.