FAQ

瑞士银行账户

杜高斯贝银行是高度安全和保密的,因为我们使用SSL加密协议,确保全面的安全和通信的隐私。 而且,为了保证额外的安全性,我们使用短信验证方法来确保只有账户持有者才能够使用该服务。

开设帐户是免费的。

Yes, you can order a debit plastic card provided by VISA. In order to do that, log in to your personal area, go to "Cards" section and click on "Issue new prepaid card".

Registration

  • Go to https://www.dukascopy.bank/swiss/, click “Open account” and proceed further
  • After filling in the registration form, you shall receive an invitation to video identification (make sure to have all the necessary documents at your disposal - instructions will follow).

请联系我们的客服团队: +41 227 994 859; [email protected]

我的帐户

点击右上角的名称,选择“更改密码”。输入当前密码,并选择一个符合安全要求的新密码。

点击“忘记?”,输入您的电子邮件和电话号码,并按照说明重置密码。

请联系我们的客服团队: +41 227 994 859; [email protected]

在上角点击您的名字。在那里您可以找到帐户限制和帐户信息。

To do this you need to contact our Support Service: [email protected]

* Dukascopy Payments SIA (EU), Riga

Click on your name in the upper corner; near the “Payments” logo click on the “Connect” button.

  • If you already have an account with Dukascopy Payments, click on “Link existing account” and enter your account number in Dukascopy Payments.
  • If you do not have an account with Dukascopy Payments, click on “Create account” and follow the instructions.

Deposit

您可以通过信用卡,银行转账(包括您名下的其它杜高斯贝银行账户)将资金存入杜高斯贝银行账户。

如果您使用“银行转帐”选项,您的存款最多需要3个工作日能到达您的杜高斯贝银行帐户,也有可能需要更长时间,具体取决于您的银行位置国家/地区。 如果您的首选存款类型是“信用卡或者“链接卡””,那么通常资金将会立即被存入。(杜高斯贝银行不能也不会保证每次都能通过卡即时入金)。

Dukascopy Bank accepts deposits in the following currencies: EUR, USD, GBP, CHF, AUD, CAD, JPY, PLN or RUB through “Bank Transfer”, “Payment Card” or “Linked Card”. If you deposit in other currencies, you should know that your money will first be converted into the currency of your account (a conversion fee will be charged) and that such deposit is possible only via internationally accepted cards.

Yes, your deposit will be accepted if it does not exceed the incoming quarterly limit. However, there is a need to note that in order to approve such deposit compliance department might ask you to provide additional information.

转账

可以,您只需知道转账人的电话号码。手机号码是您需要汇款人的个人手机号码。但收款人(他/她)只有在30天内开设杜高斯贝银行账户,才能使用这些资金。

请联系我们的客服团队: +41 227 994 859; [email protected]

不可以,如果收款人在90天内未接收,资金将会被退回。

在杜高斯贝网络/移动应用程序的“历史记录”界面查找付款的详细信息,并检查其付款状态。

Such operation is free of charge

Withdrawal

You can withdraw money from your Dukascopy Bank account in the following currencies: EUR, USD, CHF, GBP, JPY, AUD, CAD, PLN or RUB.

将会立即进行处理,最多需要3个工作日能完成出金至您的银行帐户。

进入杜高斯贝网络/移动应用程序中的“取款”界面,选择取款类型“杜高斯贝银行/ 欧洲”,输入金额,帐户和子帐号,然后单击“继续”。

The fee schedule of Dukascopy Bank is available at https://www.dukascopy.com/swiss/english/about/fee-schedule/

Please make sure you have enough money in your accout or payment card, otherwise contact our Support Service: +41 22 799 48 59; [email protected] to resolve this issue.

关联卡

为关联银行卡,您需要进入“卡”界面,然后选择“关联新卡”选项。在必填字段中填写卡的详细信息,然后单击“提交”。

在验证您的卡之前,请确保您的帐户有足够的资金,因为我们会向您的卡收取少量费用。查看您的银行对账单的费用或收取参考费用的5位代码。通过输入收费金额或5位数代码验证卡。费用将自动返还至您的帐户。

银行卡在以下两种情况下不会关联:

  • 如果您输入错误的验证码(在每次验证之前,我们建议您双击收费金额或5位代码)
  • 如果您的帐户资金不足(收费金额可能会有所不同,但不会超过2欧元)

验证成功后,银行卡或许还处于内部审核状态中。在这种情况下,我们建议您联系我们的客服团队[email protected]查明原因。

不,您只能将卡链接到自己的名下。

Our charge on withdrawal to your cards is 1.5 EUR + 1.5% or equivalent in other currencies. Follow this link for more information: https://www.dukascopy.bank/swiss/fees-limits/

In case the issuer of your card does not support this type of transaction, the withdrawal will be denied and the commission will not be charged.

单笔交易中的最大出金额为2200美元(或其它等值货币)。此外,我们建议您向您的发卡机构询问您的银行卡在线出金限额。

Investments

Apart from acquisition and sale of 23 fiat currencies account holder is given an opportunity to invest in financial instruments on: precious metals, commodities, indices and cryptocurrency.
No, because operation presupposes acquisition of a CFD contract with maximum leverage 1 to 1. Contract details can be found here.

A contract for differences (CFD) is one of the types of financial instrument in the form of agreement between investor and instrument provider to compensate each other the difference in the price of an underlying asset.

Owning a CFD allows investor to get all benefits and share all risks of a security without actually owning it. Moreover, CFDs provide higher leverage than conventional trading and allows its owner to receive cash dividends.

Before proceeding to the purchase you need to read and confirm that you agree to the brochure on Special Risks in Securities Trading and Bitcoin legal arrangement. After that you also need to choose reference currency.
This is a single pre-selected fiat currency, in which all operations with investment instruments have to be conducted. In addition to that, the report with liquidation value of all assets, its pre-payment amount and accumulated P L will also be shown in that currency. All related operations (dividends, interests, compensations) should be paid in that currency as well.
Investment reference currency can be changed at any time. However, to do that you need to sell all assets first and only then select new reference currency.
You can either sell them at due time to earn profit or send to other user. The second option is similar to Send money operation, as it also requires only phone number to make transfers.
P/L for each particular operation is calculated as (Open price - Close price) * Quantity
Persons under the age of 16 are not eligible to acquire or receive investment instruments.

If you holds assets, custody fee will be debited at the end of each month based on the average end-of-day account balance.

If transactions on the account (e.g. withdrawals) would not let sufficient funds to cover accrued Custody fees, the latter become payable and are charged immediately. For more information follow this link.

If you sold indices a day before ex-dividend date, at ex-dividend date or continue to hold them on the balance after ex-dividend date, you are entitled to receive dividends.

The amount of dividends is calculated as Amount in contracts * Long points. The first multiplier should be taken at ex-dividend date - 1 day. The second multiplier can be found in this calendar.

Dividends should be deposited on your account at ex-dividend date + 1 day.

Statements

Account statement represents a summary of transactions which have occurred over a chosen period of time on specific bank account.
Account statement contains information about all completed, pending and cancelled deposits and withdrawals, operations with investments, currency exchange and internal money transfer.

History section contains a list of all operations made by the account holder and arranged chronologically while statement allows to see a list of transactions on specific account.

Apart from that, account statement calculates and shows opening and closing balances as well as debit and credit turnovers even if they are equal to zero.

All information contained in account statement can be downloaded in .pdf and .csv formats.

Payment service providers

CurrencyCloud

Currency Cloud is a payment system that allows to make withdrawals in different currencies through SWIFT and local clearing systems.

The size of the commission depends on three factors: (a) withdrawn amount, (b) currency and (c) country of destination.

Commission is calculated in GBP and then, if needed, gets converted into other currencies at the interbank rate.

For money transfer in EUR fixed commission is applied (regardless of the size of the withdrawn amount).

Please, use the following CurrencyCloud calculator (in the bottom).

Skrill and Neteller

Skrill is a payment and money transfer system with a focus on low-cost international money transfers.

Neteller is also a payment system mainly used to transfer money to and from merchants.

You cannot select Skrill and Neteller as a payment method if this is your first deposit.

You can upload / withdraw up to 1,500 EUR per month without additional verification.

费用和限额

您可以在杜高斯贝支付(Dukascopy Payments)网站上的 “Fees   Limits” “费用和限额”界面分找到出金,负载和其他限额。

您可以在Dukascopy Payments网站上的 “Fees   Limits” “费用和限额”界面找到出金,负载和其他限额。

Connect 911

GENERAL

Connect 911 is a unique messenger developed by Dukascopy Bank that enables numerous people around the world to chat, make calls and ask each other questions. The most active users will be rewarded for original answers and participation in various challenges from their friends.

The app is available for both iPhone and Android platforms.

You can download the app from the App Store and Google Play.
As soon as you open the app on your device, it will offer you to type in your mobile phone number. Once it is done, you will receive SMS with verification code for entry. In order to finish authorization process, follow the instructions in the app.
Once you have authorized yourself in the app we recommend you to open a mobile current account in Dukascopy Bank, where you will receive money rewards for successful participations in challenges and original answers to questions from other users. Opening current account with Dukascopy Bank is fast and free. Additionally, you can use the app to talk to your friends as well as to participate in group chats.
In order to ask a question select Chat section and then click on 911 in the top right corner. Then press on button Ask new question. Finally, select whether you want to ask a private or public question.
Private question allows you to receive up to seven different answers while the number of answers for public questions is unlimited. However, the latter option obliges you to offer a money reward that will be charged from your mobile current account.
General terms and terms of use are available in section 911, in the top of the screen through pressing the button ⓘ or opening the following link.
In case you have changed your mobile phone number, do not forget to change it in account`s settings. In case you have already opened an account in Dukascopy Bank, please, send us a request to [email protected] asking to change your mobile phone number in the app.

If you opened account under the new phone number, then payments from the app will not be completed.

However, if you decided to change your mobile phone number after you had opened an account with Dukascopy Bank, all pending transactions will be successfully completed.

In order to get a reward you need to use a referral code during your first authorization in the app. Please note, that the monetary prize will be send to both users only in case the referred person has opened a mobile current account with Dukascopy Bank.
If your friend has already opened a mobile current account with Dukascopy Bank and logged into Connect 911, he can provide you the referral code. As soon as both of you have an opened mobile current account, you will get a reward. More information is available here.
If you wish to participate in contests, you can get a referral code directly from social media where the person announcing the contest publishes it.
During the first authorization user will see a pop-up window that contains a line for referral code. This window will appear only in case if the app was downloaded on device for the first time.

In order to open mobile current account you need to fill the registration form on Dukascopy Bank website and complete a short video-identification. For the last step, you will need an identification document with machine-readable zone.

If these steps have been completed successfully, the account will be opened within one hour. In case our legal department required additional information from your side, you will be notified by an email.

Connect 911 offers its users a unique opportunity to ask questions and earn money for the most original and creative answers. The community itself selects the best answer, for which the winner gets rewarded commensurate with its rating.

Prize money are automatically transferred to Dukascopy mobile current account from Connect 911 account every week.

If your mobile current account is not opened yet, the reward will be accumulating in the app. Once you open the current account, the accrued funds will be transferred to you.

Rating is an indicator of how active and successful in answering questions user is. Initially each user gets the rating of CHF 0.3.

Based on a user`s activity the rating can be increased. In case of uniform, rude or inappropriate answers, which do not comply with community rules, moderators of the app reserves the right to lower a user`s rating or block his account.

If you want to get rid of your account, you simply need to delete the app. After 30 days, your data will be deleted from the system. During this period, you have an opportunity to restore your account by downloading the app again.
In order to close your bank account, please, send us the corresponding request to [email protected].

MISCELLANEOUS

If you see a user with a red crown on his avatar, it simply means that this person is Miss Dukascopy 2018 contest participant. If you wish to join the contest with a prize fund of EUR 300,000, following the link.
According to the rules, any self-promotion within the community is prohibited. Users who share links to external sources could be penalized or banned.
If you answer a userв`s question who has already asked more than 20 questions, you will receive only one-fifth of your rating as a reward, as Dukascopy sponsors only first 20 questions (all new users have the sign NEW located next to their avatars).
If somebody has complained about you for spam or inappropriate answer, there will be a toad in your avatar during the next hour. After that, it will be automatically removed. Each new complaint will be reflected in your statistics.
The app gives you a unique opportunity to send other users to jail for one day for EUR 1. In order to do that, simply click on user`s avatar and then click on Send to jail. However, the potential detainee need to have an active account with Dukascopy Bank.
If you find yourself in the jail, you will have two options available: either to bail out for EUR 1 and get free or wait until the end of the sentence, i.e. one day. In order to bail yourself out, you need to have an active account in Dukascopy Bank.
Unfortunately, this is impossible. Dukascopy is not responsible for premature decisions made by users and does not make refunds.
If moderators blocked your account, it means you have violated some of the terms of use. If you do not agree with moderators` decision, email our support team [email protected] or use our support chat.

If you did not receive earned funds within one week, describe the problem and send a request to [email protected] or support chat.

Please, note that all rewards for correct answers and referral programs are processed only after administration’s verification.

If you found out that something does not work properly, please, report the problem to [email protected] or support chat.
From mobile application, please log in to Bank and then go to Settings - Change password
If you are logging in using your phone, please contact our support chat or [email protected]
In mobile app choose SettingsMy accountVerification limits

其它

请把请求发到 [email protected]