Notre avis sur Thurgauer KB Private Account
A no-frills cantonal bank account from Thurgau. CHF 40 per year covers it all.
The Thurgauer KB Private Account ranks #8 among Switzerland's 45 private accounts. It's a standard offering from the Cantonal Bank of Thurgau with free account management and a CHF 40 annual debit card fee. Nothing flashy, but the cantonal bank backing and regional reliability make it a dependable choice.
What Does CHF 40 Per Year Get You?
Account management is free. The CHF 40 annual cost covers only the Debit Mastercard. Free domestic payments and SEPA transfers. Free cash withdrawals at TKB's own ATMs. That's a clean, predictable cost structure with no surprises.
Other Swiss ATMs cost CHF 2 per withdrawal, and foreign ATMs run CHF 5 each. Non-SEPA international payments are CHF 4. These are standard cantonal bank fees across the board. You're not overpaying, but you're not getting any special deals either. EUR account management is available too.
What Actually Stands Out
Honestly, the standout here is stability, not features. Thurgauer Kantonalbank has a cantonal state guarantee, meaning the Canton of Thurgau backs your deposits. For risk-averse bankers who just want their money safe and accessible, that matters more than any app feature.
The account is available from age 12, making it one of the most accessible cantonal bank accounts for younger users. Mobile and online banking are both included. It's a solid, no-drama everyday banking account that does exactly what it promises.
What Most Reviews Miss
There's no interest on this account at all. Your balance earns 0%, which is standard for private accounts but worth remembering if you keep large amounts in checking. Move excess funds to a savings account to earn something.
The Debit Mastercard doesn't include contactless payment capability based on the listed specs. In 2026, that feels outdated. If tapping your card at checkout matters to you, check whether TKB has updated this since many Swiss banks have rolled out contactless broadly. Termination is free.
The Bottom Line
For Thurgau residents who want simple, reliable cantonal banking, this account delivers exactly what you'd expect. No surprises, no frills, just solid everyday banking at CHF 40 per year. If you're outside Thurgau or want more features, look elsewhere. Browse our best private accounts in Switzerland for alternatives.
Verdict: Dependable regional banking for Thurgau locals. Not exciting, but that's the point.
Avantages
- No minimum deposit required
- Modern mobile and online banking
- Free SEPA payments
Inconvénients
- Annual debit card fee of CHF 40
- No contactless payment
- Age restriction: For individuals from the age of 12.
Détails du compte
En un coup d'œil
Gestion de compte
Sans frais
Taux d’intérêt
0.00%
Frais de carte de débit
CHF 40/an
Devise
CHF
Frais et coûts
Frais et coûts
Frais d’ouverture de compte
Sans frais
Gestion de compte
Sans frais
Frais de carte de débit
CHF 40/an
Retrait d’espèces (Suisse)
Distributeurs propres gratuits, autres CHF 2.00
Retrait d’espèces (Étranger)
CHF 5
Paiement sortant (CH)
Sans frais
Paiement SEPA
Sans frais
Non-SEPA Payment Abroad
CHF 4
Fonctionnalités bancaires
Fonctionnalités bancaires
Banque mobile
Disponible
Banque en ligne
Disponible
Options de carte de débit
Caractéristiques principales
- Free account management
- Mobile banking available
- Online banking available
- Debit Mastercard included
- Free cash withdrawals in Switzerland
- Low minimum deposit requirement
Âge minimum requis
Dès 12 ans
Conditions de retrait
Conditions de retrait
Clôture de compte
Gratuit
Calculez vos coûts annuels
Annual Cost Breakdown
You Pay Per Year
CHF 40
Évaluation par catégorie
Comparer à des comptes similaires
Questions fréquemment posées
- Can a 12-year-old open a TKB Private Account?
- Yes, age 12 minimum. That's the same low entry as Bank Cler Zak in our database. Useful if you're in the TKB catchment area and want a teenager on a real private account with a debit card rather than a youth-only product. They'll graduate naturally without needing to migrate accounts later.
- What does it cost to withdraw cash at a non-TKB ATM?
- CHF 2 per withdrawal at any non-TKB ATM in Switzerland. TKB-network withdrawals stay free. If you live or work outside Thurgau, that adds up fast: 4 withdrawals a month is roughly CHF 100 a year. Plan to grab cash inside TKB territory or pair the account with a Neon or Yuh card for free Swiss-wide withdrawals.
- Can I keep my TKB account in EUR?
- Yes, TKB lets you run the same private account in EUR alongside CHF. Handy if you receive recurring EUR income (cross-border salary, rental income from abroad) or pay German invoices regularly. SEPA payments out of the EUR account are free, like the CHF version.
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