I've had a negative experience with a cantonal bank throughout the years. Having decided to finally move on from their bad service, I shut down the account.
Afterwards I realised that I didn't download the documents for 2020 tax declaration and then wrote to them to please send me those from their e-portal. The said it would be no issue, but it would be 160chf fee to do so.
If there are any reasons to hate banks, its moves like this frankly. I feel they are penalising me for closing my account and moving on from them. I would pay a reasonable sum, which this is not.
Sure my fault I didn't download from their portal in time, I get that. Also another reason why e-files while convenient, could come and bite you later.
First of all access to client accounts are restricted to a couple of individuals when an account is active and even further restricted with an account is closed. So you can't just press a few buttons.
Of course it is not deleted. But employees can't just access client information at will. But of course you'd know more that people who actually do this kind of work...
Yes right, this data (CID) is classified as strictly confidential and so access to it and to trigger it's release in the bank will be strictly limited to a very select group of authorised persons. Additionally, the access request will have to be recorded for audit purposes and assigned a unique request ID.
The bank (also cantonal), sent me interest statement for the year until closure automatically.
Maybe blame bank for not sending it ?
You don't care about the balance since the account is closed (i'm assuming you have done your taxes for last year and you are concerned about next year declaration for 2021).
I'm guessing you received 0 in interest.
If I were you I would just ignore it - I don't think the authorities will chase you for 1 rappen and worst case, you will pay the 160.- then ...
Thanks for all the tips regarding this issue. In the end, I have what I need and we aren't talking about a vast sum at the end of the year.
Further to my claim this bank is really giving their clients bad value imagine this other story. I had about 5k rent deposit insurance in their account for about 5 years. I received some minimal amount of interest in that time. However when I moved to another flat and closed out the account they charged an *account* handling fee which greatly exceeded the amount of interest earned.
Is that normal also?
Since then, I've gone with SwissCaution for the guarantee.
Doesn't matter, sometimes you gotta teach them greedy banks a lesson.
The bank dares to charge the same fee to close the account as the insurance to open the contract, that makes the insurance's 5% annual premium well worth paying.