Our e-banking, your digital access

Security is of the utmost importance to us. Please refer to the data protection guidelines for Apple and Android apps. Further information can also be found from the following external authorities:

• eBanking – but secure! (HSLU Hochschule Luzern)

• Secure e-banking (National Cyber Security Center NCSC)

Privacy Policy for Apple and Android Apps

What information do we collect?
During registration the mobile application will ask for credentials to verify the identity of the user attempting to register.
This information will be transmitted to the E-Banking provider of Dreyfus Sons & Co Limited, Banquiers (Expersoft Systems AG, Switzerland) where you use the application.

What permissions do we use?
We require access to the camera in order to register a new device using a QR code or to scan a QR code to login to the E-Banking application. Push notification permissions are also required in order to receive messages.

What do we use Push Notifications for?
We use Push Notifications to request registration confirmation from the user.

How is the application data protected?
The sensitive data of the application is stored encrypted using KeyChaine / KeyStore and is only accessible by this application. 

Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer any information to third parties.

Your consent
By using Dreyfus Sons & Co Limited, Banquiers applications, you consent to our privacy policy.
If we decide to change our privacy policy, we will post those changes on this page.

This policy was last modified on 07.09.2023.

Privacy Statement

Regulatory environment

Important Legal Notice

e-banking
e-banking is made available to the user on a desktop device (PC, laptop) via a web browser. The Dreyfus Login App is used for logging in.

Mobile Banking
The Dreyfus Banking App enables the use of e-banking with a smartphone. Not all functions may be available compared to the e-banking version. For the login, the Dreyfus Banking App uses the Dreyfus Login App.

It is not possible to access e-banking via a web browser on a smartphone.

Minimum requirements for the smartphone
A smartphone with the following requirements is needed to use e-banking:

Flawlessly functioning camera with clean lens without major scratches.

• Face ID or fingerprint activated as login method

• Minimum Android or iOS version as specified by the app in the App Store

• Latest versions of the apps Dreyfus Login and Dreyfus Banking installed (the auto-update of both apps is recommended)

• Smartphone protected with PIN on restart

• Internet connection

Running the apps on a tablet is technically possible. However, they have not been specially optimised for tablets.

Minimum requirements for the desktop device (PC, laptop)
A web browser with a current version is required to use e-banking, e.g. Google Chrome, Microsoft Edge, Mozilla Firefox or Apple Safari.  The device used should have an operating system and virus protection installed, both of which are regularly kept up to date.

Registration
Before using e-banking, the user must identify himself to e-banking with the Dreyfus Login App using a contract and registration number (in the form of a QR code). This also links the smartphone used to e-banking.

As part of the user opening process, the customer receives the contract number in a welcome letter and the QR code in a delayed registration letter by post.

The registration must be completed within 30 days, otherwise the validity of the registration code expires.

If the smartphone is changed or the validity expires because of non-utilisation, the user must request a new registration code from Dreyfus Banquiers. This will again be sent to the user by post.

Login procedure
Login on the desktop (PC, laptop) and in the Dreyfus Banking App works without a password using the Dreyfus Login App. On the desktop, the QR code displayed in the web browser after calling up the e-banking URL must be scanned with the Dreyfus Login App.

On the smartphone, the user must authenticate himself with Face ID or Fingerprint after starting the Dreyfus Banking App.

Logout procedure
For security reasons, it is recommended that users log out of the application properly using the logout function when completing their work, both in the desktop version and in the Dreyfus Banking App.

Updating the Apps
e-banking requires the installation of the latest version of the two apps Dreyfus Login and Dreyfus Banking. It is recommended that you set up the two apps in the App Store so that they are updated automatically.

Special provisions for payment orders

1. General conditions

   In principle, domestic and international payment orders are possible, in particular individual payments and standing orders. The client is also responsible for managing standing orders. The client is responsible for the accuracy of the information provided, e.g. date, amount, currency, recipient address, etc. However, Dreyfus Banquiers may restrict, reject or exclude payment orders at any time for regulatory or other reasons. Payment orders are entered online in E-Banking; no payment files can be submitted.

   Payment orders issued via E-Banking are processed on bank working days within the normal banking business hours, and outside of these on the next working day.

2. Additional conditions for eBill

   eBill is a service provided by SIX that makes incoming invoices available to the client electronically in the eBill client portal. To do so, the client must register once in Dreyfus Banquiers E-Banking and log in to eBill. He must also register for eBill with the desired invoice issuers. As the client leaves the E-Banking area when accessing the eBill portal, it is not possible to rule out the possibility of any conclusions being drawn regarding existing bank details. eBill can be deactivated in E-Banking at any time, although eBill invoices that have already been authorised will still be executed.

   Dreyfus Banquiers collects and uses client data for this service, such as surname, first name, address, date of birth, IBAN, etc., which it forwards to SIX in this context. For this purpose, the client releases Dreyfus Banquiers from the statutory confidentiality obligations (bank client confidentiality and data protection). The data will also be made available to the billers to the extent necessary.

   The client is responsible for the recording and storage of eBill invoices. They are available in the eBill portal for a period defined by SIX and are no longer available after this period has expired.

   As the service is provided by SIX, Dreyfus Banquiers cannot guarantee either fault-free usability or uninterrupted access. The client is responsible for any resulting damage, including in connection with third parties involved by the client. Dreyfus Banquiers also cannot guarantee that eBill will fulfill a specific purpose (e.g. regarding the deduction of VAT) or otherwise serve as a documentary evidence.

Special provisions for stock market orders

As a general rule, the following types of financial instruments may be purchased or sold via E-Banking.

• Shares

• Structured products

• Fixed-interest securities

• Investment funds and ETFs

Stock market orders placed via E-Banking are processed on bank working days during the opening hours of the Swiss stock exchange within the framework of usual banking practices. Stock market orders received by Dreyfus Banquiers outside these hours will be processed on the next banking day. An exception to this applies for US and Canadian equities and ETFs, which are processed during the opening hours applicable in these markets and within the framework of usual banking practices.

Dreyfus Banquiers accepts no liability for price discrepancies in the event of delayed or impossible execution (e.g. in the event of subsequent manual processing, due to instructions from the client in the free text field, in the event of system connectivity failures or if amount limits are exceeded). In general, for transactions in US and Canadian equities and ETFs outside the opening hours of the Swiss stock exchange, clients managed by an external asset manager are subject to a limit of CHF 500,000.00 per transaction. For all other clients, a limit of 10% of the portfolio value, but at least CHF 100,000.00 applies. Dreyfus Banquiers may define amount limits and their level at any time at its own discretion. If orders have already been forwarded for execution, deletions or mutations may no longer be possible.

Securities not available in E-Banking may be requested for opening in E-Banking, provided they are listed in the securities master data of SIX Group Ltd. Dreyfus reserves the right to reject such opening requests.

Stock market orders placed via E-Banking are purely "execution only transactions", i.e. they are not part of Dreyfus Banquiers' asset management or investment advisory activities. This means in particular that they are executed at the request of the client and without any possibility for 

The "Messages" function is intended exclusively for messages (e.g. for questions or technical problems) and not for placing orders. The client acknowledges that, as a general rule, orders placed via this channel will not be executed, for which Dreyfus Banquiers shall not be held responsible.

Existing dispatch instructions remain valid.

General

• Flawlessly functioning camera with clean lens without major scratches

• Face ID or Fingerprint activated as login method

• Smartphone protected with PIN on restart

• Internet connection

iPhone
Requires iOS 12 or later.

Android
Requires Android 11 or newer version.

What do you need?
Smartphone, welcome letter with contract number, registration letter with QR code.

To use E-Banking or mobile banking for the first time, please follow the steps below:

1. You will receive two separate information letters from the bank by post with a time delay:

• A welcome letter with your personal E-Banking contract number

• A registration letter with your personal E-Banking registration code as a QR code

Important notice:
Please note that the registration code is only valid for 30 days. If it expires, please follow the instructions under Expired registration code.

2. Click on the link of your operating system provider to go to the corresponding App Store. 

   Download our apps for your iPhone in the App Store
   Download our apps for your Android phone in Google Play

3. Install the Dreyfus Login app on your smartphone.

4. Open the Dreyfus Login app.

5. Allow the app to send you notifications.

6. Tap the QR code icon (Tap to Scan) at the bottom right.

7. Allow the app to take pictures and videos to activate the camera.

8. Scan the QR code on the letter entitled Registration e-banking.

9. In the Username field, enter the contract number from the Welcome to Dreyfus e-banking letter.

10. Select Click to register. You will then receive a 6-digit code by SMS.

11. Enter the 6-digit code in the Password / Code field.

12. Select Click to register.

13. Confirm the message Success with OK.

    Go to 4_ Login E-Banking (desktop version) to get information about the login process on your desktop.

What do you need?
Smartphone

To activate the Dreyfus Banking app on your smartphone, please follow the steps below:

1. Click on the link of your operating system provider to go to the corresponding App Store. 

   Download our apps for your iPhone in the App Store
   Download our apps for your Android phone in Google Play

2. Install the Dreyfus Banking app on your smartphone.

3. Follow the instructions according to the description 5_ Login Dreyfus Banking.

What do you need?
Smartphone, computer

1. Open the web browser on your PC or laptop and enter the following URL:
   
   https://ebanking.dreyfusbank.ch
   
   This will display the E-Banking home page with a QR code.

2. Open the Dreyfus Login app on your smartphone.

3. Tap the QR code icon (Tab to Scan) at the bottom right. This will activate the camera.

4. Scan the QR code on the screen. This will launch E-Banking automatically.

What do you need?
Smartphone

1. Open the Dreyfus Banking app on your smartphone.

2. Select Log in to start the Dreyfus Login app.

3. Confirm your identity with Face ID or Fingerprint.

4. If you have access to several E-Banking contracts:
   Under Authentification, click on the desired contract you want to access in E-Banking.

What do you need?
Smartphone, new registration letter with QR code

If you already use E-Banking and have a new smartphone, please follow the steps below:

1. Contact your personal account manager and ask for a new E-Banking registration code.
   
   Telephone +41 61 286 66 66
   
   Monday to Thursday 07:45 - 17:45 h
   Friday 07:45 - 17:15 h
   
   You will then receive a registration letter from Dreyfus Banquiers by post with your new personal E-Banking registration code in the form of a QR code.

2. Open the Dreyfus Login app on your new smartphone.

3. Follow steps 6-13 of the instructions 6_ Initial registration for E-Banking.

What do you need?
Smartphone, registration letter with QR code

If you are given access to another E-Banking contract, for example through a power of attorney, please follow the steps below:

1. You will receive a registration letter from Dreyfus Banquiers by post with your new personal E-Banking registration code in the form of a QR code.

2. Open the Dreyfus Login app on your smartphone.

3. Confirm your identity with Face ID or Fingerprint.

4. Tap the + symbol at the top right.

5. Follow steps 6-13 of the instructions 2_ Initial registration for E-Banking.

If you have received a letter from the bank with a new registration code as a QR code, please note that it is only valid for 30 days. If the code has expired, please follow the instructions in the description 6_ Registration with new smartphone.

If you change your mobile number on your smartphone, please contact your personal account manager so that the new number can be stored in the E-Banking system.

Phone +41 61 286 66 66

Monday - Thursday 07:45 - 17:45 h
Friday 07:45-17:15 h

eBill Registration in E-Banking (desktop version)

1. In the E-Banking main menu, select Payments.

2. Select eBill registration.

3. Select the accounts that should be available for eBill.

4. Select Register.

5. Enter your email address on the eBill page.

6. Select Register.

7. Enter the activation code that you received by email from SIX.

8. Select Confirm.

9. Select private customer or corporate customer and register the address.

10. Select Confirm.

11. Now you can use eBill by adding billers.
    You can find detailed help with eBill here:

    https://www.ebill.ch/en/faq.html

Open eBill from E-Banking

1. In the E-Banking main menu, select Payments.

2. Select eBill.

Adjust accounts used for eBill

1. In the menu under your profile name (top right in the title bar) select Settings.

2. Select eBill.

3. Select the accounts that should be available for eBill.

4. Select Save.