Last updated: January 1, 2026. Please read these terms carefully before using Mintbridge's services.
These Terms and Conditions ("Terms") constitute a binding legal agreement between you and Mintbridge Bank AG ("Mintbridge," "we," "our," or "us"). By creating an account, accessing our website or mobile application, or using any of our financial products, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy and any additional guidelines applicable to specific services.
If you are using our services on behalf of an organisation, you represent and warrant that you have the authority to bind that organisation to these Terms.
To open and maintain a Mintbridge account you must:
We reserve the right to decline an account application at our discretion and in compliance with applicable law, including our anti-money-laundering and Know Your Customer obligations.
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately via support if you suspect any unauthorised use of your account.
Mintbridge may, at its discretion, refuse to process, reverse, or place holds on transactions that it determines in good faith may breach these Terms or applicable law, or that appear suspicious or fraudulent.
Joint accounts are governed by a separate agreement provided at account opening. Each account holder is individually and jointly liable for all obligations arising from the joint account.
Mintbridge provides a range of services including, but not limited to: current and savings accounts, domestic and international payments, investment mandates, mortgage products, and business banking solutions. Specific terms applicable to each product are set out in the relevant product documentation provided to you at onboarding.
We may modify, suspend, or discontinue any service or feature at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of a service.
Applicable fees are described in our Fee Schedule, which is incorporated into these Terms by reference and is available on our website and on request. Fees may include, without limitation: account maintenance fees, wire and payment fees, currency-conversion charges, and early account-closure fees.
We reserve the right to amend our Fee Schedule on 30 days' written notice (or such shorter period as required by law). Continued use of our services after the effective date of a fee change constitutes acceptance of the new fees.
To the fullest extent permitted by Swiss law, Mintbridge shall not be liable for any indirect, incidental, or consequential loss, including loss of profit, loss of data, or loss of goodwill, arising out of or in connection with your use of our services.
Our aggregate liability to you for any cause whatsoever, and regardless of the form of action, shall be limited to the greater of: (a) the amount paid by you to us in the twelve months preceding the claim, or (b) CHF 100.
Nothing in these Terms excludes or limits liability for fraud, for death or personal injury caused by our negligence, or for any other liability that cannot be excluded or limited under Swiss law.
Your privacy matters to us. Our Privacy Policy explains how we collect, use, disclose, and protect your personal information under the Swiss Federal Act on Data Protection, and is incorporated into these Terms by reference. By using our services you consent to the data practices described there.
Either party may terminate the account relationship at any time. You may close your account by contacting us through our Support page. We reserve the right to close your account, with notice where practicable, if we determine that you have breached these Terms, engaged in fraudulent activity, or for any other reason permitted by applicable law.
Upon termination, all provisions of these Terms that by their nature should survive — including confidentiality, limitations of liability, and governing law — shall continue to apply.
If a dispute arises, please first contact us via support so we can try to resolve it directly. If we cannot reach a resolution, you may refer the matter without charge to the Swiss Banking Ombudsman, an independent and neutral information and mediation body.
These Terms are governed by, and construed in accordance with, the substantive laws of Switzerland. Subject to any mandatory place of jurisdiction available to consumers, the ordinary courts of the Canton of Zürich have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.
We reserve the right to modify these Terms at any time. We will provide notice of material changes by email to your registered address or by a prominent notice on our website or mobile application. Your continued use of our services after any such change constitutes acceptance of the revised Terms.
Questions about these Terms should be directed to: