Crédit Agricole next bank (Suisse) SA
These general terms and conditions of use define the procedures for the referral programme provided by Crédit Agricole next bank (Suisse) SA, hereinafter referred to as "the Bank".
The referral programme enables an existing customer (hereinafter: the "Referrer") to recommend the Bank to a friend or family member (hereinafter: the "Referred Customer") by providing them with a personal and unique referral code. To activate the referral offer, the Referred Customer must specify this code when applying to open a banking relationship with the Bank. In the event of a successful referral, and subject to compliance with the conditions set out below, the Referrer and the Referred Customer will each receive a bonus of CHF 80 (hereinafter: "Welcome Bonus"). If the Referred Customer takes out a mortgage loan in the twelve months following the opening of the banking relationship, subject to compliance with the specific conditions detailed in Article 3.3, the Referrer and the Referred Customer each benefit from an additional bonus of CHF 170 (hereinafter: "Additional Bonus"), which brings the total amount of the bonus to CHF 250 each (the Additional Bonus is paid in addition to the Welcome Bonus of CHF 80 that was already paid).
The Referrer and the Referred Customer must be natural persons who have come of age and have full civil rights. The referral programme is not available to corporate entities.
The Referred Customer must never have been a customer of the Bank.
The Referrer must have an active banking relationship with the Bank at the time when the Welcome Bonus and Additional Bonus are paid in order to benefit from the referral programme. If this is not the case, they will not receive any bonus.
The referral programme is not available to the following categories of people:
To benefit from the Welcome Bonus, the Referred Customer must:
For the Referrer and the Referred Customer to benefit from the Additional Bonus, all of the following conditions must be met:
This referral offer cannot be combined with other promotional offers from the Bank, unless expressly stated otherwise.
The Referrer may not receive more than five Welcome Bonuses or Additional Bonuses.
The Referrer will receive a Welcome Bonus of CHF 80 for each effective referral. This Welcome Bonus will be paid automatically to the Referrer's bank account with the Bank once the required conditions relating to the Referred Customer have been validated (Art. 3.2).
If the Referred Customer takes out a mortgage loan within the twelve months following the opening of the banking relationship, and provided that all the conditions of Article 3.3 are met, the Referrer will benefit from an Additional Bonus of CHF 170, bringing the total bonus amount to CHF 250 (the Additional Bonus is added to the Welcome Bonus of CHF 80 that was already paid).
The Referred Customer will receive a Welcome Bonus of CHF 80 that will be paid automatically to their bank account with the Bank once the required conditions have been validated (Art. 3.2). If the Referred Customer takes out a mortgage loan within the twelve months following the opening of the banking relationship, and provided that all the conditions of Article 3.3 are met, the Referred Customer will benefit from an Additional Bonus of CHF 170, bringing the total amount to CHF 250 (the Additional Bonus is added to the Welcome Bonus of CHF 80 that was already paid).
If the Referred Customer is eligible for several commercial offers, only the Welcome Bonus or the Additional Bonus linked to the referral programme will be paid into the Referred Customer's account, unless an exception is expressly mentioned.
The Bank reserves the right to modify, suspend or terminate the referral programme at any time by publishing a notice on its website giving 30 days' notice.
Requests to open a relationship with the Bank initiated by the Referred Customer after the end date specified on the site will not entitle them to the referral programme bonuses.
If the referral programme is terminated, referrals initiated before the end date of the offer will remain valid and will be entitled to the Welcome Bonus of CHF 80, provided that all the required conditions are met within the time limits (Art. 3.2).
The Additional Bonus will remain payable if the Referred Customer's banking relationship was opened before the end date of the referral programme and the mortgage loan is taken out within twelve months of the banking relationship being opened, even if the mortgage loan is taken out after the end date of the programme, provided that all of the conditions in Article 3.3 are met.
In the event of non-compliance with these general terms and conditions of use by the Referrer or the Referred Customer, if false or incomplete information is provided as part of the referral offer, or if a bonus beneficiary (Referred Customer or Referrer) proves to be ineligible in accordance with Art. 3, the Bank reserves the right to demand full repayment of any Welcome Bonuses and/or Additional Bonuses paid.
By taking part in the referral programme, the Referrer and the Referred Customer expressly authorise the Bank to deduct the amounts corresponding to improperly received bonuses directly from their respective banking relationships.
Personal data collected under this programme is processed by Crédit Agricole next bank (Suisse) SA as data controller in accordance with Swiss data protection legislation.
The data is collected and processed for the purposes of managing the referral programme, allocating bonuses and ensuring compliance with the conditions of the programme. Processing is based on the performance of the contract to which the data subject is party.
Personal data is kept for the time required to manage the referral offer and in accordance with applicable legal obligations.
In accordance with the regulations applicable to data protection, you have the right to access, rectify, delete and port your data and to limit the processing of data concerning you. You also have the right to object to the processing of your data. To do so, please consult our data protection policy, which is available online at https://www.ca-nextbank.ch/en/legal-notices/the-processing-of-personal-data.
The Referred Customer acknowledges and accepts that use of the referral code will indirectly inform the Referrer of the opening of their relationship with Crédit Agricole next bank (Suisse) SA and of the fulfilment of the conditions necessary for granting the benefits provided for in the referral programme (Welcome Bonus and Additional Bonus).
By taking part in the referral programme, the Referred Customer expressly releases the Bank from banking secrecy for this purpose.
In the event of any discrepancy in the interpretation of the French, German and/or English versions of any of the Bank's documents and forms relating to this programme, only the French texts shall prevail.
These general terms and conditions of use are governed by Swiss law. The exclusive place of jurisdiction is the registered office of Crédit Agricole next bank (Suisse) SA.
August 2025