Frequently Asked Questions

How to pay account opening fees? What is your refund policy? Will the set-up fee be credited to my account? Can I pay your fee in any currency? Can you "take" the set-up fee from my initial transfer? From my cheque? Can I pay you directly from my account when it is opened? How can I send you a cheque? What are CVV2 / CVC2 security codes? Can I pay the account set-up fee with somebody else's credit card? How to send you my credit card number by fax? Should I wait for your confirmation before I pay the set up fee?

We charge a one-time set up fee to open you an account. Our fees are payable in advance (see our refund policy).

We accept payment by American Express, MasterCard, Eurocard, Visa, money orders, bank transfers and cashier's checks.

Paying us by credit card
Credit cards are the quickest way of paying us. We currently accept American Express, Mastercard and Visa. Just enter your credit card details when applying through our secure online application form. You can also send your credit card number by fax.

Paying us by bank transfer
We accept payments by bank transfers. You can send the the account set-up fee plus courier charges in the equivalent in your local currency. Please keep in mind that bank transfers take a minimum of 2 days to clear but can take much longer. Insist that your bank use the SWIFT code to make things faster.

	BANK	Postefinance CH-3030 Bern Switzerland
	SWIFT CODE	POFICHBE
	BENEFICIARY	Micheloud & Cie Rue du Grand-Chene 8 CH-1003 Lausanne Switzerland
	ACCOUNT NUMBER	17-299233-7

Paying us by Western Union
Western Union is a company that offers instant money transfers the world over. How does it work? You simply head to your nearest Western Union agent location (complete list), contact us to get the necessary information to fill in the form, pay in cash and contact us with the transaction number. The Swiss Western Union agent will confirm to us that the money has arrived and we can proceed with your request to open an account straightaway. Please note that Western Union transfers must be addressed to an individual. When you fill out the form at the Western Union office, please make it payable to our representative Mrs Furer:

	FIRST NAME	Danuta
	LAST NAME	Furer
	SEX	Female
	ADDRESS	Micheloud & Cie Mrs Danuta FURER Rue du Grand-Chene 8 CH-1003 Lausanne SWITZERLAND

Paying us by cheque
We do accept cashier's cheques as payment. However, we do not recommend this payment method. Your application will be processed only when the cheque has cleared, which can take several weeks. We do not accept personal cheques. If you want to pay by cheque, apply online, then send us your cheque at :

Micheloud & Co.

Billing Department

Grand-Chene 8

CH-1003 Lausanne

Switzerland

Don't hesitate to contact us should you have any questions.