Clarien Bank Holiday Hours
Effective Monday, December 22, 2025 – Friday, January 2, 2026, please be advised of the following holiday operations updates, business closures, and related cut-off times.
EARLY CLOSURES: Clarien will be closing at 1 pm on Wednesday, December 24 and Wednesday, December 31.
- Cut off time for all Wires, ACH, Loans, and Cash Orders is 11 am.
- Local cheques will be processed the same day and foreign cheques will require 14 business days + 1 business day for clearance.
- Any exceptions will be investigated during the next business day.
Clarien to Implement 2% Annual Fee on CHF Balances
Effective November 7, 2025, Clarien Bank Limited will introduce a standard negative interest fee of 2% per annum on Swiss Franc (CHF) account balances. This change follows the Swiss National Bank’s reduction of its policy interest rate to zero percent earlier this year.
The fee will be accrued daily and charged monthly. Clients wishing to convert CHF balances to another currency may request a special FX conversion rate by contacting their Relationship Manager.
After consideration of the interest rate environment, recent trends and the decision by the US Fed’s recent decrease of the Fed rate by 0.25%, a change to the Clarien base lending rate is forthcoming:
Commencing: 12 January 2026 (Monday)
BMD Base Rate: Reduction 0.25%
Personal BMD Base: from 6.00% to 5.75%
Commercial BMD Base: from 6.25% to 6.0%
USD Prime Rate: from 7.00% to 6.75%
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