Pooling

Cash management optimization
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With pooling, your company’s business accounts – including subsidiaries and branches – are considered collectively in terms of liquidity. Thanks to our pooling options, you can achieve higher interest income and lower external financing.

Pooling: efficient, simplified liquidity management

  • The liquid assets of a group or a company are grouped together

  • Simplified liquidity management

  • Simplified payment transactions

  • Overview of the liquidity of a group or a company

  • Pooling options to meet individual requirements

  • Preconditions

    • All participating companies must be domiciled in Switzerland
    • At least 3 business accounts in CHF or EUR
    • Pooling requires accounts to be in the same currency

    Physical pooling

    With physical pooling, your balances are actually transferred from the participating accounts to the main account and vice versa. Each participating account earns its own interest and receives a separate interest statement.

    • Your liquidity is centralized in one main account
    • The accounts participating in physical pooling are regularly adjusted to their target balances
    • The balances are transferred between participating accounts and the main account (automatic liquidity balancing)
    • Each participating account earns its own interest and receives a separate interest statement
    With physical pooling, the participating accounts each earn interest at the business account interest rate. An interest rate model is set up in the main account. Automatic liquidity balancing is possible between the accounts participating in the pooling and the main account. Liquidity balancing involves money being transferred between the participating accounts and the main account.

    Notional pooling

    With notional pooling, the participating account balances are consolidated into one virtual pool balance. This pool balance is used as the basis for calculating interest.

    • The participating account balances are consolidated into one virtual (notional) pool balance
    • The pool balance is used to calculate interest and, if required, to check liquidity
    • Interest for the pool as a whole is credited to a selected participating account

  • The prices for pooling comprise an activation charge and a monthly fee. Charges depend on the pooling structure and on the number of participating accounts.

Pooling solutions

We will be pleased to set aside time for a personal consultation.
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