Clients
Werner Frei
AffluentIndividual · Client since 2013 · Thun, BE · KYC: Enhanced
Relationship manager
Zoé Müller
Business Banking · Bern Bundesplatz
Cash
CHF 1.02m
Deposits
CHF 1.43m
Investments
CHF 1.47m
Lending
CHF 882k
Net flow 30d CHF 31k
Relationship summary
Synthetic banking dataPrivate client in the Affluent segment, with the bank since 2013 and based in Thun. Total deposits CHF 1'428'600, investments CHF 1'474'900, lending CHF 882'000. Net flow over the last 30 days is CHF 31'100, and a SARON mortgage of CHF 882'000 renews in 49 days. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH51 0076 8476 6128 7011 4 | CHF | CHF 511'000 |
| Custody | CH40 0076 7590 3133 2856 7 | CHF | CHF 1'474'900 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | SARON · Einfamilienhaus, Thun · renews in 49 d | 1.21% | CHF 882'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Cash | SMI Index Fund | CHF 403'600 | 3.0% |
| Equities | European Equity Fund | CHF 1'071'300 | -3.5% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-11 | Immobilien Verwaltung AG | SEPA | CHF -50'900 |
| 2026-08-03 | SBB Ticketing | SWIFT | CHF 6'386 |
| 2026-07-26 | Krankenkasse HelvetiaUnusual | SIC | CHF -365'227 |
| 2026-07-16 | Migros | SWIFT | CHF -4'801 |
| 2026-06-27 | Elektrizitätswerk | SIC | CHF 6'075 |
| 2026-06-24 | Pensionskasse | Card | CHF 7'500 |
Interactions
- Advisory meeting2026-04-18
E-banking support request — resolved.
- Phone2025-09-08
Pension planning consultation booked.