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Adam Abdellaoui
Of Counsel
CIM Banque SA - How to Open an Account
Date of last update: 12 January 2026
CIM Bank is a Swiss private bank founded in 1990 in Geneva. The institution specializes in private and corporate banking for international clients, offering multi-currency accounts, online trading platforms, and wealth management solutions. As a FINMA - regulated bank, CIM combines Swiss banking reliability with modern digital infrastructure, serving clients from over 80 countries through offices in Geneva, Lugano, and Wollerau.
+41 (44) 5152530
CIM Bank: Your Trusted Swiss Bank
Updated: January 2026
CIM Bank is a Swiss private bank founded in 1990 in Geneva. The institution specializes in private and corporate banking for international clients from over 80 countries, combining Swiss banking reliability with digital infrastructure.
Founded
1990
Geneva origin
Regulator
FINMA
Full banking license
SWIFT / BIC
CIMTCHGG
Global connectivity
Headquarters
Geneva
Rue Merle d'Aubigné 16
Eliminating Confusion: CIM vs. CIT vs. CIM Group
These three organizations operate in completely different sectors and jurisdictions.
CIM Bank
Sector: Private Banking
Jurisdiction: Switzerland
Type: FINMA-regulated bank
CIT Bank
Sector: Online Retail Banking
Jurisdiction: United States
Type: Div. of First Citizens Bank
CIM Group
Sector: Real Estate Investment
Jurisdiction: United States
Type: SEC-registered adviser
Account Requirements & Fee Structure
Financial Thresholds
Min. Initial Deposit (Individuals) 5,000 EUR/USD/CHF
Min. Initial Deposit (Corporate) 10,000 EUR/USD/CHF
Non-reducible Balance 1,000 EUR/USD/CHF
Maintenance Costs
Quarterly Maintenance (Personal) 90 CHF
Quarterly Maintenance (Corporate) 120 CHF
Annual Admin Fee (Corporate) 750 CHF
Account Opening Fees: Proprietary companies: 600 EUR Third-party entities: from 900 EUR
CIM Orders Platform
Direct market access to major European and U.S. exchanges.
Switzerland
SIX Swiss
Germany
Deutsche Börse
United Kingdom
London (LSE)
USA
NYSE & NASDAQ
Instruments: Equities, Bonds, ETFs, Mutual Funds, Derivatives, Forex
Min. Trading Deposit: 5,000 USD
Wealth Management & Security
Investment Services
- → Mandates: Discretionary portfolio management or advisory-only.
- → Lombard Loans: Liquidity up to 70% loan-to-value (LTV) against portfolio collateral.
- → Funds: Swiss-approved mutual funds & ETFs (Min. investment 500,000 CHF).
Regulatory Framework
Supervisory Authority
FINMA Licensed
Deposit Protection
esisuisse (up to 100,000 CHF)
Economic Stability
0.3% Inflation (2026 Proj.)
Maria Werner
Of Counsel – specialized in corporate law and tax law
info@goldblum.ch
+41 (44) 5152530
Remote Account Opening Process
STEP 1
Complete online application form
STEP 2
Submit passport, proof of address & references
STEP 3
Video verification with manager
STEP 4
Transfer minimum deposit
Processing Timelines
10–15
Business Days
Local Swiss Companies
15–20
Business Days
EU/EEA Companies
20–30
Business Days
Non-EU Companies
Key Advantages
✓ Swiss Regulatory Framework
FINMA license, esisuisse protection, and capital adequacy standards.
✓ Multi-currency Operations
25-currency account structure eliminates FX conversion costs.
✓ Direct Market Access
Connect to European/US exchanges without intermediary markup.
✓ Fully Digital
Remote opening and mobile app management for non-residents.
Potential Disadvantages
• Fee Structure
Quarterly fees (90–120 CHF) exceed digital-only competitors.
• Minimum Thresholds
Entry requirement of 5,000–10,000 currency units excludes mass retail.
• Product Focus
Service architecture emphasizes private banking over retail products.
• Eligibility Restrictions
No offshore entities without substantive business operations.
Contact CIM Bank
Headquarters
Geneva, Switzerland
Rue Merle d'Aubigné 16
1207 Geneva
1207 Geneva
Communication
+41 58 225 50 50
Mon–Fri, 08:30–18:30 (GMT+1)
Additional Offices
Lugano: Mon–Fri, 08:30–18:30
Wollerau: Mon–Fri, 08:30–18:30
Frequently asked questions
Minimum initial deposits vary by account type: 5,000 EUR/USD/CHF for personal accounts, 10,000 EUR/USD/CHF for corporate accounts. Trading accounts require 5,000 USD. All accounts maintain a non-reducible balance of 1,000 EUR/USD/CHF. Private banking mandates typically require 500,000+ CHF.
CIM Bank operates under a full banking license from FINMA. The bank participates in the esisuisse deposit protection scheme, which guarantees deposits up to 100,000 CHF per client. FINMA supervision includes ongoing monitoring of capital adequacy and compliance with Swiss banking law.
Yes. CIM Bank provides full remote account management through e-banking platform and mobile application. Clients execute international transfers, manage multi-currency positions, and trade securities without visiting physical branches. The remote onboarding process includes video verification.
CIM Bank employs multilingual staff serving clients from over 80 countries. The bank's relationship managers communicate in various languages including English, German, and French to accommodate international clientele.
Clients access equities on major exchanges, bonds and fixed-income securities, mutual funds and ETFs, currency pairs with 1:100 leverage, futures and options, Lombard credits up to 70% loan-to-value, and structured products. Minimum investment: 500,000 CHF for institutional-grade funds.
CIM Bank does not accept applications from U.S. persons subject to FATCA, offshore companies without substantive business operations, entities from sanctioned jurisdictions, high-risk industries (unlicensed crypto exchanges, online gambling), or applicants unable to provide clear UBO documentation.
Processing times vary by client complexity: local Swiss companies complete onboarding in 10–15 business days, EU/EEA companies in 15–20 business days, and non-EU companies with complex ownership in 20–30 business days.
CIM Bank positions between traditional private banks (UBS, Julius Baer) and fintech-oriented alternatives (Swissquote, Dukascopy). Compared to UBS/JB, CIM offers lower minimum entry thresholds but less extensive wealth management services. Compared to Swissquote/Dukascopy, CIM provides traditional private banking relationship model but higher fees.
CIM Bank provides SEPA access for EUR-denominated transfers. E-banking platform supports batch payment uploads and multi-signature authorization for corporate clients. API connectivity and MT940/ISO20022 statement formats are available upon request.
Non-resident clients face Swiss withholding tax on dividends and interest from Swiss sources (35% standard rate, subject to treaty relief). U.S. securities may incur U.S. withholding tax (30% standard rate). CIM Bank provides tax reporting documentation but does not offer tax advice.
Adam Abdellaoui
Your personal contact
Of Counsel
Contact us to learn more about opening a Swiss bank account
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