Multi-Currency Account (MCA) is a bank account that allows you to get Swiss IBANs in 23 currencies, Visa and Mastercard plastic and virtual cards, as well as to enjoy instant payments, crypto currency trading, investments and gainful currency exchange rates.

Dukascopy Bank is regulated by the Swiss Financial Market Supervisory Authority (FINMA) as a bank and a securities dealer with headquarters in Geneva, Switzerland.
All deposits are insured up to CHF 100,000 per client in accordance with the Swiss legislation.

The Multi-Currency Account is available to persons over 14 years old. However, access to the full range of functions on the account is reserved for adults (18 years old and over). The account can be opened worldwide except for residents of the following countries / regions:

Abkhazia, Afghanistan, Belarus, Crimea, Cuba, Comoros, Donetsk People's Republic, Iran, Japan, Luhansk People's Republic, Myanmar, Nagorny Karobakh, North Korea, Somalia, South Osetia, South Sudan, Sudan, Syria, Russian Federation, Transnistria, United States of America, Venezuela, Yemen.

L'apertura di un conto multivaluta è gratuita.

I conti multivaluta con saldo inferiore a 50'000 USD non sono soggetti ad alcuna commissione di mantenimento. Ai conti che superano la soglia sopra indicata viene addebitato lo 0,4% annuo.Inoltre, i titolari di conti multivaluta con meno di 5 Dukascoin in saldo sono soggetti a una commissione di manutenzione mensile di 1 EUR.

You can access a Multi-Currency Account through:

• Web browser
• Swiss Bank mobile application in iOS and Android;
• Dukascopy Connect 911 mobile application iOS and Android;

To open Multi-Currency Account go to the Bank section and follow instructions described in a road-map. You will be required to fill out registration form, make an initial deposit and pass video-identification.

An account opening procedure, in total, usually takes several business days. Once your account is approved, you will receive an SMS notification and email.

To open an account you will need to have a document (passport / ID card) that contains a machine readable zone (MRZ) and visible security features. If your document does not contain MRZ zone and/or does not contain holographic signs you can send a certified copy of your document via regular post to our head office in Geneva.

There is no need to fill out a new registration form, just notify bank employee about it during the video-identification.

Please fill out registration form again.

Video-identification is a short video call with a bank employee that in accordance with a Swiss law represents a substitute of traditional face-to-face account opening procedure in bank premises.

Make sure that you have a stable internet connection, the mobile application is allowed to use camera and microphone and there are no other people near you. Once this is done, prepare your document (passport / ID card) with a machine readable zone (MRZ) and visible security features, write in the chat that you are ready and follow the instructions of the bank employee.

During the call you will be asked a number of clarifying questions and be taken a few photographs of you and your document. This whole procedure is needed confirm your identity, i.e. to make sure that the person opening an account is actually you.

By default, video-identification is being held in English. If you wish to pass video-identification in other language (French, German, Arabic, Chinese, Hungarian, Italian, Japanese, Polish, Spanish, Portuguese, Slovenian, Slovak and Ukrainian) leave a request in the chat to arrange with the bank employee an exact date and time of the call.

Please double-check that you have a stable internet connection and notify bank employee that you are ready to start again.

There is a need to wait a few business days for completion of the account opening. Once your account is approved you will receive an SMS notification and email.

To open trading account:

• if you use web application, go to Investments section, press on Add trading account button and fill in the questionnaire.
• if you use Dukascopy Connect 911 mobile application, press on Bank, then press on plus sign in the lower left corner and select Open trading account.

The option is available only if Multi-Currency Account's balance is equal to or greater than 1 000 USD.

Once the request is being processed you will be contacted by bank employee.

Multi-Currency Account can be accessed using three different means:

• web application
• Swiss Bank mobile application (iOS)
• Dukascopy Connect 911 mobile application (iOS, Android)

Dukascopy uses two-factor authentication (2FA), which means that apart from the password you need to know an additional one-time code to access your account.

Ti preghiamo di contattare il nostro servizio di Supporto: +41 22 799 48 59; [email protected]

In alternativa alla bolletta puoi fornirci una corrispondenza, non più vecchia di 3 mesi, con un'autorità statale oppure controlla se la tua carta d'identità o patente contengono il tuo indirizzo.

Please indicate the data you want to update, the reason of the update and send us a corresponding request via chat or email.

Puoi trovare i limiti di prelievo e di deposito, oltre ad altre tipologie di limiti su“Fees   Limits” sezione del sito internet di Dukascopy Bank.

Puoi trovare i limiti di prelievo e di deposito, oltre ad altre tipologie di limite su “Fees   Limits” sezione nel sito internet di Dukascopy Bank-

VIP status is automatically assigned to Multi-Currency Account holders who also have trading account at Dukascopy Bank and whose trading turnover for the previous month has exceeded 1'000'000 USD.

The VIP status grants free Dukascopy card order and delivery as well as 0.1% commission for currency exchange.

The status is assigned for a month after which it is being automatically re-checked for meeting the above criteria.

To access your Multi-Currency Account you need to go through a two-step authentication, which consists of entering a password and security code.

Under no circumstance Dukascopy Bank employee or any other person can ask you disclose your password and security code.

A similar rule applies when you try to link payment card to your Multi-Currency Account. In certain circumstances Dukascopy Bank might ask you to a send photo of the card to make sure that you are the genuine cardholder.

However, the only data that Dukascopy Bank has a right to ask is (a) the first and last four digits of the card number and (b) name on the card.

Under no circumstance Dukascopy Bank employee or any other person can ask you to disclose your full card number and CVV/CVC code..

If a person contacts you (under any pretext) either in the Dukascopy Connect 911 mobile application or in any other external resource and asks to tell / send him your password, security code or card data, let us know about this case immediately.

Operations with Multi-Currency Account are regulated by two limits:

• Incoming quarterly limit
• Limit on total balance

Incoming quarterly limit defines the maximum amount of funds that can be deposited on your Multi-Currency Account within a quarter. The limit is not applied to transfers between your accounts within Dukascopy Group.

The size of the limit is determined at the stage of account opening based on two factors: (a) country of your residence and (b) your occupation status.

The limit is reset at the beginning of each new quarter: 1st January, 1st April, 1st July and 1st October.

Please note that the limit can be equally reached by one large transaction or by multiple small transactions.

Ti preghiamo di contattare il nostro servizio di Supporto: +41 22 799 48 59; [email protected]

Se utilizzi l'applicazione web, premi sul tuo nome nell'angolo in alto a destra e poi seleziona incrementa il limite opzione..

se utilizzi l'applicazione Swiss mobile, premi sul menù a tendina, accedi Limiti sezione e premi suIincrementa limite bottone.

se utilizzi l'applicazione mobile Dukascopy Connect 911 clicca su banca,premi su impostazioni icona in alto a destra e vai alla sezione Verifiche & Limiti.

Dopo aver effettuato la richiesta, ricevarai una mail con le istruzioni esatte ed i documenti e le informazioni che sono necessari.

Una volta ricevuta la tua risposta, i tuoi documenti verranno analizzati dall'ufficio legale della banca che valuterà e deciderà l'incremento.

In generale, per aumentare i limiti, la banca deve comprendere la fonte del tuo reddito e ricevere documenti che mostrino l'entità di questo reddito e che viene ricevuto regolarmente. I lavoratori dipendenti possono fornire buste paga o estratti conto bancari che mostrano i pagamenti dello stipendio. In alternativa può essere presentato anche un contratto di lavoro. Le persone che sono lavoratori autonomi / liberi professionisti devono inviare un documento rilasciato da una rispettiva agenzia del loro paese che dimostri che sono ufficialmente registrati come lavoratori autonomi. Questo documento dovrebbe essere integrato da un estratto conto bancario, dichiarazione dei redditi o qualsiasi altro documento che consenta di calcolare il reddito mensile medio negli ultimi sei mesi. Anche le persone che non percepiscono un reddito regolare potrebbero essere prese in considerazione per l'aumento dei limiti se riescono a fornire documenti sul reddito delle persone che le sostengono

Un trasferimento speciale (a.e..risparmi da un'altra banca, fortunda da una vendita di immobile, pagamento per l'università, etc.) può essere accettato una volta fuori dal proprio limite

Prima di effettuare tale transazione per favore fornisca delle evidenze in merito. (a.e. contratto vendita, fattura universitaria,etc..)

Per fare ciò ti preghiamo di contattare il nostro servizio di Supporto: [email protected]

I fondi possono essere depositati / prelevati dal tuo conto multivaluta utilizzando più metodi di pagamento:

• Bonifico bancario ordinario
• Trasferimento dalla tua carta di pagamento personale
• Trasferimento da una carta di pagamento collegata al tuo account
• Trasferimento da una carta di pagamento tramite Apple Pay
• Trasferimento dalla tua carta Dukascopy
• Trasferimento dal tuo account Skrill < / li>
• Trasferimento dal tuo account Neteller
• Trasferimento da un altro titolare di conto multivaluta
• Trasferimento dal tuo altro conto presso Dukascopy Bank

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Se utilizzi l'opzione "Trasferimento bancario", il tuo deposito impiega generalmente fino a 3 giorni lavorativi per raggiungere il tuo Conto in Dukascopy Bank, ad ogni modo potrebbe impiegare più tempo a seconda del paese in cui si trova la tua banca. Se invece utilizzi l'opzione di deposito "carta di credito" o "carta collegata" il denaro viene generalmente depositato subito (Dukascopy Bank non può garantire e non garantisce che i depositi via carta siano sempre instantanei).

Il titolare di un conto multivaluta può effettuare bonifici bancari da / a conti bancari di terze parti. Si tenga presente che per approvare tale trasferimento, il dipartimento Compliance potrebbe chiedere di fornire ulteriori informazioni.

Le commissioni relative al Conto Multivaluta possono essere trovate quì.

Request money represents a simplified version of an invoice where the payment can be made by generating a link and sending it to the payee. The amount of the invoice is limited to up to 100 EUR.

If you use the Swiss Bank mobile application, click on Request button on home screen.

In the opened window select currency, enter the amount you want to transfer, add short description and then press Generate link. Once the link is generated you can either send it directly through one of the messengers installed on your device or copy it and send manually to the payee. The link will remain valid for seven days. After opening the link the payee will only need to enter card and personal data to make the payment (amount and currency will be preselected).

If you use the Dukascopy Connect 911 mobile application, select the person from your contact list, then click on the plus sign in the bottom left corner and choose Send invoice.

In the opened window select currency, enter the amount you want to transfer, add short description and press Send.

If you use web application, go to Deposit and select Bank transfer.

If you use the Swiss Bank mobile application, click on Deposit and select Bank transfer.

If you use the Dukascopy Connect 911 mobile application, click on Bank, then press on plus sign in the lower left corner, select Load money (Deposit) and then Bank transfer.

The opened payment form will display transfer instruction depending on the currency you want to make payment in.

To prepare instruction for a cross-border payment the following fields in the wire withdraw form needs to be filled:

• Debit account - one of your Multi-Currency Account sub-accounts' from which the funds will be withdrawn. In case debit account is different from transaction currency, a currency conversion on Dukascopy side will be applied.
• Amount and currency - the sum and currency that will be withdrawn from your Multi-Currency Account
• Beneficiary IBAN/Account number - account number of beneficiary at his receiving bank. Each country has its own format of recording bank account numbers. If you are making payment to a person or legal entity residing in the European Union, bank account number must be indicated in the IBAN format (the full list of countries supporting the IBAN format can be checked here).
• Beneficiary bank BIC/SWIFT - up to eleven-digit unique bank identification code generated and assigned by the SWIFT network to financial and non-financial institutions. Please note that the last three digits of the code indicate beneficiary's bank specific branch (if not specified, means head office).
• Intermediary bank BIC/SWIFT - identification code of the intermediary bank through which the funds will be transferred from sending bank to receiving bank. Formally, this is not a mandatory parameter. However, its absence might result in higher cost and longer payment processing since the funds will not be send through a shortest route.
• Beneficiary information - family-, first- name and residence address for private individuals; name, type of ownership and juridical address for legal persons.
• Payment purpose, payment details - fields presupposed for indicating an accurate and clear purpose of payment. If information indicated in these fields is vague, the compliance department reserves a right to request additional information before processing payment.

Please note that if information in the above fields was filled incorrectly Dukascopy Bank or any of the authorized correspondent banks might reject the payment.

To withdraw funds in Russian rubles (RUB) to other bank there is a need to indicate two additional parameters in the payment form: Beneficiary's INN and VO code.

INN is a ten-twelve-digit taxpayer identification code that should be communicated to you by payment beneficiary (if he is a legal entity and/or resident of Russia).

VO code is a five-digit code of currency transaction, established by the Russian Central Bank, that should correspond to the information inserted in the payment description. The list of currency transaction codes can be found here. When determining the VO-code it is important to take as basis the residence in relation to Russia (e.g. if you reside in Germany and beneficiary resides in Russia, then you are a non-resident in relation to Russia and the beneficiary is a resident; hence, the code should be selected from list of codes from non-resident to resident).

It is also important to remember that beneficiary information should be prepared in the Russian language using the Latin alphabet and the below transliteration rules:

Cyrillic	Latin
А	A
Б	B
В	V
Г	G
Д	D
Е	E
Ж	ZH
З	Z
И	I
Й	Y
К	K
Л	L
М	M
Н	N
О	O
П	P
Р	R
C	S
Т	T
У	U
Ф	F
Х	H
Ц	C
Ч	CH
Ш	SH
Щ	TSH
Ъ	X
Ы	YI
Ь	X
Э	YE
Ю	YU
Я	YA
" (double)	'' (two separate)

As such, payment can be completed by indicating destination bank only. However, it is strongly advised to add intermediary bank if it is indicated in payment instructions to avoid excessive costs and prolongation of the processing time.

To receive a copy of SWIFT message please send us corresponding request via chat or email.

SEPA is a name for cross-border EUR-denominated bank transfers. According to the European Union regulations, transfers between two bank accounts being part of SEPA should be qualified as a local transfer in terms of cost. To make such transfer destination bank must be located in one of SEPA countries and be part of this system. The up-to-date list of SEPA members can be checked here.

SIX is a company owned by more than a hundred financial institutions that, among other things, processes CHF-denominated bank transfers. By analogy, to make such transfer destination bank must be located in Switzerland and be part of this system.

Bank transfer processing by Dukascopy Bank takes up to two working days. Once the payment has been processed, it cannot be cancelled.

The length of wire transfer processing may vary substantially depending on the number of corresponding banks between sending and beneficiary banks, presence of weekends or holidays and whether payment form was filled correctly.

Moreover, in case your payment triggered some internal checks, the compliance department of corresponding intermediary bank might ask you to provide additional details / clarifications before sending the funds further. If clarifications are not received or considered insufficient, intermediary bank is rightful to reject the payment.

In case your wire transfer was rejected by the beneficiary bank and the payment was made in Euros or Swiss Francs to the bank established in the European Union, the reversal usually takes one-two business days. For payments in other currencies sent to / from banks located outside the European Union the reversal is likely to take one working week or more.

Commissions for the outcoming payments, i.e. funds sent from your Multi-Currency Account, can be checked here.

Commission for the incoming payments, i.e. funds sent to your Multi-Currency Account, should be checked with the sending bank. Please note that depending on commission type chosen by the sending bank, the sum that you will ultimately receive at Dukascopy Bank might differ from the original sending amount. This might happen when the sending bank chooses either to share the cost of the payment (fees for payment orders and charges of intermediary banks) with the receiving bank or shifts it in full.

To transfer funds to / from a payment card each time you will be required to fill in the form with card details. To ease and fasten this operation you have an opportunity to link payment card to your Multi-Currency Account. Once this is done, you will be able to make one-click transfers to / from the chosen card.

Se utilizzi l'applicazione web, seleziona Carte e premi Collega nuova carta .

Se utilizzi l'applicazione mobile Swiss Bank, vai su Carte , tocca Collegato e poi premi sul segno più in alto nell'angolo destro.

Se utilizzi l'applicazione mobile Dukascopy Connect 911, fai clic su Banca , premi sul segno più nell'angolo in basso a sinistra, seleziona Operazioni con la carta e scegli Collega scheda .

Compila i dettagli della carta nei campi obbligatori e fai clic su Procedi .

Referral program rewards you with Dukascoins (DUK+) for inviting clients to Dukascopy. To receive a reward your referral must:

• Enter your referral code in the Dukascopy Connect 911 application during the Multi-Currency Account opening process;
• Deposit 100 USD or equivalent.

You will receive 10 DUK+ for the first referral and 5 DUK+ for every subsequent referral.

You can access your unique referral link after you open your Multi-Currency Account. To get the link, open the Dukascopy Connect 911 application and go to the referral program section in application settings.

You can enter the referral code after your first login to the Dukascopy Connect 911 application or during the account opening process.

It is only possible to enter the referral code after your first login to the Dukascopy Connect 911 application or during the account opening process.

You will receive a reward after your referral opens the Multi-Currency Account and deposits 100 USD or equivalent.

Your referral program statistics are located in the Dukascopy Connect 911 application. Visit the referral program section in application settings to view your referral program results.