 Main Features
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Additional Features
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3 Control Panels
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Merchant Tools
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General Information
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With Swiss MICSI send or receive money online or from ANY mobile phone* in a easy and secure way.
* even without Internet enabled phone, simply using SMS or voice call.
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FAQs of SwissMICSI
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Send the Money
Withdraw the Money
Commodity Account
Pay by Mobile Phone
Payment Gateway on Internet
Credit Card Payment
Currency
Debit Card
How to open Account
Manage your Account
Fee
Safety
Regulation in Switzerland
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Can I send the money anywhere in the world after opening SwissMICSI Account?
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You can send your money anywhere in the world when you have SwissMICSI Account.
If receiver has SwissMICSI Account, transaction is in nick of time. Even quite small amount such as EUR 1.00 can be sent. Transaction fee is only 1% + 0.5 EUR.
If receiver don't have SwissMICSI Account yet, transaction will be by normal wire.
In this case, bank charge will be required. International bank charge is not cheap, at least EUR 40.00 to 50.00. So, small amount of fee can't be sent.
Opening SwissMICSI Account is FREE. Please ask receiver to open the account of SwissMICSI.
Please note that SwissMICSI can't send the money to black listed countries with international regulation.
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How can I send the money through internet?
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It's very easy.
Just log in the net-banking system of SwissMICSI (called Secure Direct Online), and fill up small form. That's all.
If receiver has SwissMICSI Account, transaction is in nick of time.
If not, it will be wire transfer. Please fill up the form with details of destination bank.
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Can I send the money by Mobile Phone?
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Yes, you can send the money by your Mobile Phone.
Easy to use, and high security.
Two ways are prepared for Mobile Phone. One is by your voice (called Telephone Direct), and other is by SMS, MMS (called Secure Direct SMS).
From anywhere to anywhere you can send the money by your Mobile Phone. No need to connect internet any more.
The feature of SwissMICSI Mobile Facility is that no need high-tech phone such as iPhone or Smart Phone. Just normal GSM phone is enough.
iPhone and Smart Phone can be used, too.
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How to send the money by my Mobile?
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Two systems are provided from SwissMICSI. One is Telephone Direct using voice, other is Secure Direct SMS.
Telephone Direct is very convenient. Just you can use your own voice.
Call to the number informed from SwissMICSI after you open your account. Follow the instruction by voice. Then you can manage your account, include sending the money.
After sending the money, you will receive SMS for confirmation.
By Secure Direct SMS you can send the money. Just send SMS to SwissMICSI. After sending, you will receive confirmation by SMS.
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How can I get confirmation of receipt when my client send the fee?
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SwissMICSI provide full function of Mobile Phone.
When your client send the money, you will receive SMS notification on your Mobile without delay, with the details of transaction. No need to connect internet. You can get full information anywhere in the world. And this SMS from SwissMICSI is free!
Please note one thing that if you never register your phone number, this function is not available, of course.
In this case, please connect internet, and get confirmation on Secure Direct Online.
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Can I send money to SwissMICSI by wire transfer?
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Of course. No problem.
Please wire to bank account SwissMICSI informed you.
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Can I send the money to SwissMICSI by Credit Card?
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Yes, this is available when you are Verified User.
SwissMICSI has full function of Credit Card Payment Gateway.
Please log in to SwissMICSI.
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How can I withdraw the money from SwissMICSI?
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Two way you have.
One is from ATM anywhere in the world by using Prepaid Master Card issued by SwissMICSI. Other is wire transfer.
Wire transfer is quite convenient, can send any banks in the world except black listed countries.
But please note that bank charge will be needed, and this charge you will pay.
When you use ATM, you can withdraw your money easily with security. SwissMICSI Card is Master Card.
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Can I wire my money to anywhere from SwissMICSI?
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Yes.
According to international regulation, you can't send your money to the bank in black listed countries. Otherwise, you can send anywhere in the world.
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Yes, you can.
Please refer the following page for more details:
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I'm no need No-Name Card...?
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When you are no need to get No-Name Card, please be issued Name Card.
SwissMICSI can issue both Name Card and No-Name Card.
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How can I withdraw my money from ATM?
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It's quite simple and easy.
Go to ATM near you. Make the procedure following the instruction of ATM. That's all.
You can withdraw cash with your currency. Even if you don't have your own currency account with SwissMICSI, ATM will support your currency.
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You have to pay your tax properly.
SwissMICSI is not accepted any illegal matters. If you deal with some tax-evasion scheme, your account will be closed.
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My Card connected to my account, or card account?
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Prepaid Master Card of SwissMICSI is connected to different account, which means Card Account.
This is for the protection of users.
If your card is connected to your own SwissMICSI Account directly, and when your card is stolen, your whole money is in danger. SwissMICSI Card is world wide card. When you never notice to be stolen your card, and abroad airplane, someone can do anything while you are traveling.
To avoid this situation, SwissMICSI prepare different account for card usage.
When you need to withdraw your money by using card, please move necessary amount of money to your card account.
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I have to open Commodity Account separately?
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When you open normal account, SwissMICSI will prepare Commodity Account in the same time. No need to open separately.
With this Commodity Account, you can buy, sell, keep your commodity at any time.
It's depend on your intention you will use Commodity Account. No need to be forced to buy commodity.
This is just one of services of SwissMICSI considering to protect your asset with other way.
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I have no intention to buy Gold. Why I need to keep Commodity Account?
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Commodity Account will be open when you open normal account.
But you are no need to be forced to use Commodity Account.
So, if you have no intention to buy Gold, do not buy Gold.
Commodity Account is prepared for the protection of user asset when real financial crisis come, according to lots of demand of users.
This is just one of client services of SwissMICSI.
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Of course, you can buy, keep, sell any type of Gold Coin.
If you have no intention to buy Coin in the beginning, but want to keep Coin afterward, it's also available when you have enough amount of Gold in your account.
Moreover, you can get real Gold or Coins by Postal delivering. The fee of delivering and insurance is yours.
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I don't have iPhone or Smart Phone...?
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This is one of good features of SwissMICSI that you are no need to use high-tech Mobile Phone. You will get full function with normal GSM phone.
So, you can avoid stupid situation that you have to buy high-tech phone only for using SwissMICSI...
Of course, if you have high-tech phone, no problem with SwissMICSI.
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My phone is just normal GSM phone. Is it OK?
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How can I pay by Mobile Phone?
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SwissMICSI has full function of Mobile Phone.
You can use Telephone Direct (by using your voice) and Secure Direct SMS (by SMS).
When you want to pay by voice, just call SwissMICSI, follow the instruction by voice. That's all.
When you use SMS, send your SMS to SwissMICSI. That's all.
This function can be used with online payment, payment in real shop, send the money to your family...
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How can I check my account balance after payment by Mobile Phone?
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After completed the payment, you will receive the confirmation SMS from SwissMICSI. You can see your account balance with no effort.
Or, you can ask SwissMICSI of your account balance at any time by using Telephone Direct or Secure Direct SMS, or Secure Direct Online.
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Any shop in the world can accept SwissMICSI Mobile Payment?
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You can pay the fee in member shop of SwissMICSI. Otherwise it's not available, because payment procedure need some device provide from SwissMICSI.
In member shop, they have the device called Waver. When you put your Mobile Phone on this Waver, the payment will be done immediately.
And both you and shop will receive the confirmation from SwissMICSI.
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Can I pay tolls of high-way by my Mobile?
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If high-way of your country join to SwissMICSI, you can pay toll fee by Mobile.
Otherwise, it's not available, unfortunately.
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Can I pay utility bill by SwissMICSI?
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If the authority, or company, who provide utilities already join to SwissMICSI, you can pay.
If not, it's still not available.
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My client pay me by Mobile. How can I check this payment with SwissMICSI?
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When the transaction is done, you will receive the confirmation from SwissMICSI immediately.
By this function, you can check payment anywhere in the world, no need to connect internet.
Please note that this facility is available only when your mobile number is registered with SwissMICSI.
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Can I use Chinese for the payment through Mobile Phone?
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SwissMICSI still not support Chinese language.
Please wait for a while.
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Can I pay by my voice on Mobile?
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Yes, you can pay by your voice.
Follow the instruction from SwissMICSI.
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Can I use SMS for payment?
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Of course. No problem.
Normal GSM phone is enough with SwissMICSI.
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I have my own net-shop. Can I use SwissMICSI Payment Gateway?
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Yes, you can.
Immediately you can use SwissMICSI Payment Gateway after you open your account and be the Verified User.
This Payment Gateway has two aspects. One is the transaction between SwissMICSI users, and other is Credit Card Payment Gateway suitable for all persons.
Easy to use.
Just copy and paste necessary code (API) shown on the page after log in.
This Gateway only available when you become Verified User.
Your passport copy and copy of proof address you have to submit to SwissMICSI. Then you will be Verified User.
This procedure is Free, too.
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I have to use special software for SwissMICSI Payment Gateway?
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No need specific program.
Just copy and paste the code. That's all.
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How can I set up SwissMICSI Payment Gateway?
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It's easy and simple.
After you become Verified User, log in your page, copy and paste necessary code (API). Then you are already in status to use SwissMICSI Payment Gateway.
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I need only SwissMICSI Payment Gateway, no need account...?
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SwissMICSI Payment Gateway is connected to SwissMICSI Account.
Because when you have some amount of payment, it's will be kept in your SwissMICSI Account. If no account, can't to anything...
Opening Account is completely FREE! Just open the account, then you have no problem.
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Can I accept Credit Card Payment when I use SwissMICSI Payment Gateway?
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Yes, you can.
SwissMICSI Payment Gateway has two important aspects. One is for the transaction between users of SwissMICSI, other is Credit Card Payment for the person who still don't have SwissMICSI Account.
So, when you use SwissMICSI Payment Gateway, no need to put huge amount of money to make contract with payment company. SwissMICSI is just Free to use.
Please note that you have to be Verified User to use SwissMICSI Payment Gateway.
To become Verified User is simple procedure, too.
Just issue your copy of passport and proof of address. Then you can be Verified User.
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If my clients don't have SwissMICSI Account?
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Your client can choose Transaction between SwissMICSI User or Credit Card Payment.
If someone don't have SwissMICSI Account, he can choose Credit Card Payment which is very common in the world, with cheap transaction fee (2.9% + EUR 1 in normal business case).
If your client has SwissMICSI Account, more cheap transaction fee will be applied, just 1% + 0.5 EUR.
This bring both of you and your client some advantages.
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Porn web site can be accepted?
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According to the regulation of Switzerland, porn site can't be accepted.
If your account is used for this purpose, this account will be closed at once. Your money will be frozen with the rule of Switzerland.
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Gambling site can be accepted?
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According to the regulation of Switzerland, gambling or lottery site can't be accepted.
If your account is used for this purpose, this account will be closed at once. Your money will be frozen with the rule of Switzerland.
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Is there any special contract to deal with SwissMICSI Payment Gateway?
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No special contract.
Just open the account and be Verified User. Then you can use SwissMICSI Payment Gateway.
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All type of business can be accepted?
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In the case of normal business, you can use SwissMICSI Payment Gateway after you become Verified User.
If you are dealing with risk business, you have to ask SwissMICSI beforehand.
Many types of business are sorted as risk business in current situation. Pharmacy or Travel Agent is sorted as risk business, now. But some case can be accepted. Please negotiate with SwissMICSI about your business.
Please note that porn business and gambling business can't be accepted by the regulation of Switzerland.
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How much the fee for Credit Card Payment Gateway?
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Transaction fee of Credit Card Payment Gateway of SwissMICSI is 2.9% + EUR 1 in normal case.
If in the case of risk business, much higher fee will be required.
The fee is depend on the type of business. Please negotiate with SwissMICSI.
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How can divide between Credit Card Payment and SwissMICSI Payment?
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Your client can choose between SwissMICSI Payment and Credit Card Payment. Both are available.
When client choose SwissMICSI Payment without SwissMICSI Account, then system will select Credit Card Payment.
On the other hand, if client has SwissMICSI Account and choose Credit Card Payment, then system will ask client for confirmation. Because SwissMICSI fee is very cheap while Credit Card Payment fee is not so cheap.
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Why Credit Card Payment fee is high compare than SwissMICSI Payment?
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Credit Card Payment is working with cooperation of many banks, financial institutes, include VISA or Master Card...
All these parts need the fee. That's why Credit Card Payment is high fee.
This is not the problem of SwissMICSI but the problem of Credit Card Payment system itself.
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The amount of payment by Credit Card will credit on my account immediately?
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Credit Card Payment will work with the cooperation of many banks and financial institutes. So, it take more time for transaction compare than SwissMICSI Payment.
It will take two weeks to be deposit the fee to your account after transaction have done.
SwissMICSI Payment (between Accounts) will be done immediately, and will be deposit the fee to your account in the nick of time.
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No need security deposit for Credit Card Payment Gateway?
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Security Deposit is not required to use SwissMICSI Credit Card Payment Gateway.
For payment by credit card there are 2 steps:
- The credit card holder opens a SwissMICSI account, he becomes verified, he does a deposit by credit card (that remains in pending during the verification time). When the account is verified, the payment is also validated. A second transaction is processed for an internal transfer to the seller.
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What type of Card can be accepted?
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Almost all type of card can be accepted.
VISA, Master, JCB, American Express, Discover, Diners..., no problem.
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Other bank account in Swiss is required to use SwissMICSI?
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No need to open other bank account in Switzerland.
Because you already have SwissMICSI Account when you use Payment Gateway.
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How can I set up SwissMICSI Payment Gateway on my page?
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It's very easy.
After open SwissMICSI Account, and be Verified User, log in your secure page.
Then you will see necessary code (API) include your ID on your page.
Just copy and paste. That's all.
No need to prepare additional program or complicated code.
Just copy and paste on your page.
After set up SwissMICSI Payment Gateway, please check the language.
SwissMICSI support several different languages. If other language is shown, it's troublesome for your users.
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Any possibility to be refused to pay by Credit Card?
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When Credit Card has no funds, or illegal card, the system will refuse the card. Otherwise, no problem.
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Big amount can pay in one shot?
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No.
There is the regulation called Anti Money Laundering Policy, or Anti Terrorism Policy etc.
Also there is the limit according to the type of card.
When you want to pay few millions fee to buy some yacht, it's almost impossible if your card never support this type of transaction.
Normally, it's up to EUR 10,000.
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SwissMICSI is quite new.
Now only EUR can be supported (October 2010). Very soon, many currencies can be used.
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Currency exchange is easy?
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Yes, very easy.
Log in secure page, and instruct what you need. Immediately the transaction will be done.
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How about the rate of currency exchange?
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The rate of currency exchange follow international rate.
When you log in, there will be the rate. Please refer it.
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How can I manage different currency account?
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Different currency has different account. USD is USD account, EUR is EUR account, and so on.
You can manage each currency account separately.
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If I ask, minor currency can be accepted?
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Maybe can.
But it cost to change the system. Please wait until SwissMICSI has enough amount of users of minor currency.
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SwissMICSI can issue the Card?
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SwissMICSI can issue the Card.
Both Name Card and No-Name Card are available.
Name Card will be normal usage, and No-Name Card can be used when you need tight security.
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Yes. SwissMICSI can issue No-Name Card.
This type of Card is quite useful to keep your security.
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I prefer Normal Card than No-Name Card...?
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You can use Name Card.
This is quite convenient, and can be used almost all purpose.
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How about transaction fee for Card?
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Please browse the following page:
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SwissMICSI can issue Credit Card?
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SwissMICSI does not support to provide Credit Card.
The reason is that Credit Card is not suitable for the purpose of SwissMICSI.
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SwissMICSI Card can use in all over the world?
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SwissMICSI Card is Master Card, can be used in all over the world.
No problem to deal with ATM as well.
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Can I withdraw the money from ATM using SwissMICSI Card?
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Yes, of curse.
Please go to your ATM, and use SwissMICSI Card to withdraw your money.
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I lost my Card! What should I do...?
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Contact SwissMICSI immediately, and disable your Card as soon as possible.
If you never did anything, you will get damage.
You can contact SwissMICSI through internet, through Mobile Phone, at any time.
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Can I have several Cards?
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You can keep several cards.
Card Account is separated from normal account. When you have several account for card, you can get several cards.
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How about maximum limit of withdraw with ATM?
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It's depend on the country and regulation.
There is the country with huge maximum limit, and other has very low limit.
Please check your ATM and see the regulation.
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How about minimum limit of withdraw with ATM?
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Normally, ATM will accept the amount of withdraw from EUR 100.
This is not the regulation of SwissMICSI, but in each country.
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SwissMICSI Card connected to my account directly?
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SwissMICSI Card is not so called "Cash Card".
That means Card Account and your normal account is separated.
This is for security reason, because SwissMICSI is covering all over the world.
For example, if your card is connected directly to your normal account, and someone steal your card without notice...
Then your money will be vanished while you have comfortable journey on the plane.
That's why Card Account is separated from normal account.
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Can I withdraw my Gold through ATM by SwissMICSI Card?
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Unfortunately, almost all ATM in the world never support to withdraw real Gold, just only for paper currency.
So, actually, this is impossible.
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How can I open SwissMICSI Account?
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It's quite easy.
When you use internet, just click Open Account. Then you can open your own account within 30 seconds.
When you use your Mobile Phone, just call + 41 21 588 0029 from Switzerland or + 44 20 343 232 59 from anywhere else in the world. That's all.
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What kind of documents I have to prepare...?
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For opening the account, just your name, address and mobile phone number are required.
No need to prepare complicated documents at all.
Please note that when you need to get SwissMICSI Payment Gateway, you will become Verified User.
The copy of your passport and proof of address should submit to SwissMICSI, then you are Verified User.
This procedure is completely Free, too.
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My Card Number need to be informed to SwissMICSI?
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No need your Credit Card Number.
Just your name, address and mobile phone number are required.
Please do not forget to register your Mobile Phone number if you want to get automated SMS information from SwissMICSI.
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Details of my bank account need to be informed to SwissMICSI?
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No need of your bank account details.
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Is there any difference between the account opened by Internet and Mobile Phone?
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It's same account. No difference between by using internet or Mobile Phone to open account.
Only one point is different when you open the account by using your Mobile Phone.
When you use your mobile, your phone number is registered in the same time. Then you can use your mobile to manage your account, as well as automated SMS information issued from SwissMICSI.
When you open the account through internet, please do not forget to register your phone number if you want to get SMS information.
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Really FREE to open account?
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It's completely FREE!
No fee required.
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How can I use my account after opening?
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After Opening the account, please use all facility according to your purpose.
If you need to send money to others, you need to keep enough money in your SwissMICSI Account. Please send your money by using Credit Card or Wire Transfer.
When you need account just for receiving the money from others, no need to do anything. Just wait until someone send you the money.
If you need SwissMICSI Payment Gateway, you need to be Verified User.
Issue the copy of your passport and proof of address. After verified, you can use Payment Gateway.
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I need to get Card in the same time of opening account...?
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You can order SwissMICSI Card at any time. Both Name Card and No-Name Card are available.
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Your ID and Password are required to log in Secure page. Do not forget them.
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My account will be closed if I never use...?
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There is no possibility to be closed your account except some illegal case.
Even if you never use SwissMICSI Account, but no problem.
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I have to open Commodity Account with other procedure?
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Commodity Account will be opened in the same time you open normal account.
No need different procedure.
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Can I have several accounts with same name?
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You can open one account.
Can't open several account under same name.
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Can I open the account with different language than English?
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Now only English page is available in SwissMICSI.
Other language will be opened soon one by one.
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I was refused to open account...?
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If you have some problem with financial matters in the past, or listed on international black list, then you will be refused to open account.
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Can I be Verified User from the beginning?
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Yes, of course.
When you are Verified User, all advantage of SwissMICSI is yours.
Just send SwissMICSI your copy of passport and proof of address.
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Is there any fee to be Verified User?
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No need fee. It's FREE, too.
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What kind of documents I need to prepare for Verified User?
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The copy of your passport and proof of address are required.
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Manage by Internet and Manage by Mobile Phone is different?
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It's somewhat different, of course. Because device for management of your account is different.
When you use internet, this is just the same with other internet banking system.
Through Mobile Phone, there are two ways of management. One is Telephone Direct using your voice, and other is Secure Direct SMS by Mobile SMS.
Maybe these ways are first time for you. Please read manual of SwissMICSI carefully.
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How to manage my account on Internet?
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Account management through internet is same as normal internet banking. SwissMICSI call this facility as Secure Direct Online.
Please log in Secure page of SwissMICSI with your ID and Password.
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How can I manage my account using my voice with Mobile?
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It's quite easy.
Call to SwissMICSI, then you will get information by voice.
Please choose necessary menu following the instruction of voice.
That's all.
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How can I manage through Secure Direct SMS?
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Please send your SMS to SwissMICSI.
Then you will get necessary information from SwissMICSI by SMS.
This is quite convenient, and can be used from anywhere in the world, as long as your Mobile Phone is available.
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To receive SMS from SwissMICSI I need to pay the fee?
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There are two types of SMS from SwissMICSI. One is automated SMS, and other is SMS on demand.
When you pay to others, or you receive money from others, SwissMICSI will send you SMS notification. This is automated SMS. And this is FREE.
On demand SMS means when you ask some information include account balance or confirmation of receipt, SwissMICSI will send you SMS "On your Demand". This is not Free, but cheap, just 1 cent (EUR sent) per SMS.
Please note that your Mobile Phone usage you have to pay.
We recommend you to use free SMS service many telephone companies are providing.
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Account maintenance fee is required?
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No need account maintenance fee. It's free.
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When my account don't have enough money, SwissMICSI will use my Credit Card?
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Oh, no!
SwissMICSI never do anything like this.
When your account does not have enough money, just you can't send the money. That's all.
There is no system in Switzerland like When-my-account-don't-have-enough-money-SwissMICSI-will-use-my-Credit-Card!!
Whether you top up to your account is belong to your decision. SwissMICSI never force you anything.
Please check your account balance when you want to buy something, or send the money.
It's very easy, just check SMS on your Mobile.
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When I have to inform SwissMICSI the details of my bank account?
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No need to inform anything about your bank account to SwissMICSI when you open the account.
You should not breach your own security with some stupid reasons.
But, when you instruct SwissMICSI to wire, you have to inform the details of destination bank. Otherwise, SwissMICSI can't send the money.
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Please tell me transaction fee of SwissMICSI...
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The fee of SwissMICSI is quite cheap. Just 1% + 0.5 EUR.
Please check more details in the following:
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Why fee is different between SwissMICSI Payment and Credit Card Payment?
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There are two types of transaction fee on SwissMICSI.
One is the fee for transaction between SwissMICSI Users who has Account.
In this case, the fee is just 1% + 0.5 EUR per transaction, both for sender and receiver.
Other is the fee for Credit Card Payment.
Your clients will pay this fee, 2.9% + 1 EUR, when transaction is done.
This fee is somewhat high compare than above mentioned. Because Credit Card system is working with cooperation of many companies, as well as the system of international transaction between banks. And all these companies need the fee. That's why more high fee is required.
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Transaction fee is half and half..., why?
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According to the regulation of Switzerland, transaction fee should be half and half between sender and receiver.
Swiss Wallet SA, which is the company providing SwissMICSI service, is Switzerland company. So, SwissMICSI need to follow this regulation.
The fee of transaction between SwissMICSI Users who have Account will be 1.0% + 0.5 EUR in both sender and receiver side.
Same fee will apply in domestic and international transaction.
Credit Card Payment fee is different, 2.9% + 1 EUR per transaction, and this fee sender should pay.
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Any fee to open the account of SwissMICSI?
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How about account maintenance fee?
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No maintenance fee. It's Free completely.
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Commodity Account need maintenance fee?
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Commodity Account will be open automatically when you open the account. But it's depend on your decision whether you use Commodity Account.
If you no need to use Commodity Account, just leave it. No maintenance fee.
Commodity Account is one of free services of SwissMICSI, providing real protection for international financial crisis.
But if you keep some amount of Gold, Silver, Platinum in your Commodity Account, there will be the fee for safe keeping. Because these precious metal can't keep with free.
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From where transaction fee will be deducted?
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The fee will be deducted from your own account.
If you want to send the money less than the fee, you can't send, logically.
But SwissMICSI fee is very cheap. Never happen like this in normal case.
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Free for wire transfer fee?
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No, unfortunately.
Wire transfer will be done through many banks. Sender bank, intermediary banks, and receiving bank. All these bank need some bank charge.
So, it's not free.
The fee for wire transfer will be deducted from your account.
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SwissMICSI is really safe?
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SwissMICSI is one of the services of the company called Swiss Wallet SA in Switzerland, with legal license issued from Switzerland government.
This company is not normal company, but public company.
Next, SwissMICSI is under heavy supervision of Switzerland. No possibility to be allowed funny activity. As you know, Switzerland is well known about tough regulation of user protection.
And next, your asset and SwissMICSI asset is never mixed up.
Even if SwissMICSI has some problem, but your asset never concern SwissMICSI problem. Your asset will be kept independently.
By these many reasons, SwissMICSI is safe amazingly.
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Asset Protection and Accountant system of Switzerland
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Many countries have funny accountant rules, in which client's asset and company asset will be mixed up.
That is why serious problem happen if some bank has the trouble, your asset can't withdraw.
But, in Switzerland, there is different way.
In SwissMICSI, your asset and SwissMICSI asset is separated completely. No mix up.
This means even if SwissMICSI has serious trouble, but your asset is safe. Because SwissMICSI trouble is not yours.
Moreover, SwissMICSI need to issue account report 4 times per year at least, to ensure the protection of users.
This is one of Switzerland systems.
So, your asset in SwissMICSI is quite safe.
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Is there any possibility to be closed my account?
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Yes, there is the possibility.
When your account is connected criminal activity, or get suspicion of money laundering and terrorism, or against international financial rule, your account will be closed immediately.
This is not specific regulation only in SwissMICSI, but common rule in all over the world.
Except above mentioned case, no possibility to be close your account.
SwissMICSI Account is providing from Switzerland, and this country is well known by the protection of users.
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What happen to my money when my account is closed?
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With some reasons, when your account is closed, but your money is safe.
If there are no concerned to criminal case, your money will be send to your bank account without delay.
If your account is dealing with some criminal activities, or the subject of Anti Money Laundering and Anti Terrorism Policy, your money will be dealt with the law of Switzerland.
In this case, the decision is not belong to SwissMICSI any more, but the authority.
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How about the security of account?
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With latest technology, your account of SwissMICSI is quite safe, except in the case you reveal ID and password by yourself intentionally.
When you want more high security, we recommend you to keep OTP (One Time Password), which is small device create password.
Unfortunately this device is not free. But you will get heavy security by this.
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How about the security when I use Mobile Phone?
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SwissMICSI prepare two ways of management tool for your account by using Mobile Phone.
One is Telephone Direct (voice), and other is Secure Direct SMS (using SMS).
When you use Telephone Direct, the system always check your voice.
If different voice, it's impossible to log in.
As for Secure Direct SMS, the system only accept contact from your own Mobile Phone. Other phone can't log in.
These ways ensure tough security for you.
But we strongly recommend you to keep OTP (One Time Password) for more security.
Without OTP, you can manage your account, of course. But if you keep OTP, more tough security you will get.
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What is One Time Password (OTP) ?
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One Time Password (OTP) is small device which provide password.
The password created by this device is used just only one time. And this password never can be used any more.
Even if someone see your password, but it's can't be used.
Other time is different one. Always different password is created.
When you keep OTP, your account will be protected by this password. Quite safe.
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Without OTP I can't manage my account?
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Without OTP, but you can manage your account. No problem.
But, compare using OTP, security level is not so high.
Please prepare OTP when you have some amount of money, or some amount of precious metals, in your account.
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What the meaning of Voice Recognition System?
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Voice Recognition is one of amazing systems of SwissMICSI.
This system will record the pattern of your voice, and check your voice when you call SwissMICSI.
When you register your voice to SwissMICSI, no one can access to your account except you.
Unfortunately, when you get heavy flue and changed your voice, you can't access to your account.
Please try Secure Direct Online (internet banking system) in this case.
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Is there any possibility to be revealed my phone number?
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No.
All your information will be kept with tough security. No possibility to be revealed to others.
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How to do when I change my phone number...?
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Please inform SwissMICSI asap when you change your Mobile Phone number.
If you never inform, you will be in unnecessary risk.
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Transaction fee is half and half...
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According to Switzerland regulation, the fee of transaction should be half and half between sender and receiver.
Swiss Wallet SA, which is the company of SwissMICSI, is Switzerland company, and need to follow the regulation of Swiss.
So, the fee is half and half.
It's 1% + 0.5 EUR. Same fee for both domestic and international transaction.
Credit Card Payment fee is 2.9% + 1 EUR, and this fee sender will pay.
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Asset Protection in Switzerland
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SwissMICSI has unique account way that client's asset and SwissMICSI asset are never mixed up. Completely separated.
That means even if SwissMICSI has some kind of trouble, your asset is no concern to this. Always safe.
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Supervision of Switzerland government
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SwissMICSI is running on under official license of Switzerland, and always under the supervision of government.
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According to the regulation of Switzerland, high risk can't be accepted.
High risk business means porn site, gamble site or the site which provide illegal goods and service.
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Illegal or gray zone business
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According to the regulation of Switzerland, illegal or gray zone business can't be accepted.
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According to the regulation of Switzerland, porn site can't be accepted.
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Verified User and Non-Verified User
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There is two types of user, Verified User and Non-Verified User.
Verified User means the person who is verified by SwissMICSI issuing the copy of passport and proof of address.
When you are Verified User, you can use full function of SwissMICSI, as well as Payment Gateway.
Non-Verified User is the user who still not issue necessary documents mentioned above.
In this case, the limit amount is up to EUR 1,000, because of many regulations such as Anti Money Laundering Policy or Anti Terrorism Policy.
When you open the account, you will be Non-Verified User.
But if there is the possibility that your fund will be more than EUR 1,000, we recommend you to be Verified User.
The procedure is very easy. Just send the copy of your passport and proof of address to SwissMICSI. That's all.
This is Free. No need any fee.
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How I can be Verified User?
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Please prepare the copy of your passport and proof of address, and send these to SwissMICSI.
Then you have advantage to use full function of SwissMICSI.
The procedure of this verification is free, too.
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More infos about Swiss MICSI
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How it works
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How to open account
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Secure Payment Gateway
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Withdraw
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Fee Table
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Security
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