Cash Management

Your dedicated team of experts for your treasury management

A strong commitment in treasury management

In a corporate environment where cash is strategic, BNP Paribas is showing a long-term commitment to corporates that are engaged in efficiency driven and forward thinking treasury strategies.

Whatever their size and the nature of their activity, corporates must strive to be agile and adapt to a fast-moving, complex and globalized environment. In this context, cash management can provide advanced insight and act as a powerful driver.

BNP Paribas’ Cash Management is driven by innovation, thanks to the expertise and the sharpness of a dedicated Competence Centre. This high-value steering team is in charge of devising our global commercial and industrial cash management strategy, offering the coordination of the Bank’s worldwide resources. Last but not least, the Cash Management Competence Centre provides high-quality advice to our corporate clients.

Global reach and Swiss made quality

With a wide geographical presence in numerous countries with direct access to local cash management experts and clearing, BNP Paribas’ Cash Management provides corporates with seamless global solutions.

Our Connexis-based platform is available in multiple countries and languages, serving thousands of corporates worldwide. We have also implemented SWIFTNet solutions in various European and non-European countries to serve a diverse range of corporate clients.

In Switzerland, BNP Paribas has been present since 1872 and ranks among the top three international banks in the country. The bank has a comprehensive cash management offering in Switzerland, covering both domestic and international cash management requirements.

BNP Paribas (Suisse) SA’s Cash Management team – consisting of a team of Sales Executives, Product Manager and Implementation Officer – provides corporate banking solutions and advisory services for large- and mid-cap corporates and financial institutions, respectively non-bank financial institution.

In order to efficiently manage liquidity, our clients need to know their current cash positions inside and out. Thanks to a customized cash management solution, BNP Paribas can support them to monitor and manage their cash flows within Switzerland and abroad.

To complement the entire working capital flow, BNP Paribas (Suisse) SA’s cash management value proposition helps clients to collect faster (reducing DSO), optimize payments flow (DPO) and enhance control over funds.

What we offer

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Processing of means of payment

All available payment and collection methods, including Swiss specifics: QR and LSV..

Direct clearing access:

  • High Value: SIC/EUROSIC & TARGET2/STEP 2 (through SECB)
  • Low Value: SIC/EUROSIC
  • SCT & SDD: STEP2

Instant payments

Starting August 2024, BNP Paribas will be offering instant payments. The service is part of the SIC system that will settle Swiss franc-denominated payments from payers’ to payees’ accounts around the clock (7x24x365).

International payments

International payments bring specific challenges. A global economy implies international flows, and these are on the uptrend. Post SEPA, European corporations are looking ahead and are ready to address the challenges of international payments. But while SEPA harmonizes the payment landscape within Europe, it remains largely heterogeneous outside.

To support these challenges, BNP Paribas offers tailor-made solutions for:

  • Cross-currency payments

More than 130 currencies available for your cross-currency payments from one single account, with powerful foreign exchange (FX) capabilities and innovative e-banking channels.

  • Strong processing capabilities

The ability to cope with large volumes, a reliable correspondent banking network and top class client service are high up our priority list.

State-of-the art e-banking solutions

  • Centric – our innovative and App-Portal – is the main gateway into BNP Paribas’ entire Applications universe.
  • Connexis – A web-based E-banking solution (a Multi-bank, -currency and -language application) as global unified Portal. Accessible via Centric.
  • Electronic transfer solutions through local or international protocols and formats:
    • SwiftNet (FIN and FileAct)
    • BNP Paribas’ proprietary host to host, (Connexis Gateway).
    • Global EBICS
    • SFTP/FTPS host-to-host solutions

Cash optimization solutions with different service levels

  • Consolidation of a company’s account balances (maintained in our books) on a central account
  • Integration into a centralized master-account held by our EMEA partners
  • Multibank integration and administration of accounts held with third-party banks, via SwiftMT101 messaging, with BNP Paribas as ‘overlay’ bank.

Optimization of the collection process

Virtual Accounts provide a reliable technical response to the two main challenges: Automatic identification of the payer and identification of the final beneficiary for direct allocation of funds. This solution offers corporates a more efficient reconciliation process through customization of the number of virtual accounts.

Optimization of the purchasing process – card issuing

  • Rationalize management of business and travel expenses (Corporate Card/Maestro Card)
  • Procurement card with VISA network (Multi-currencies: EUR, USD, GBP, CHF) with 2 possible uses: Physical and/or virtual card

In a nutshell

Customer support

Implementation is a key step in the Cash management environment. This high-level service is dedicated to large and complex projects with numerous products / services, geographical specificities as well as numerous contributors to be involved on the Bank and Client sides. Consequently we set up a “project mode” in order to control deadlines and resource utilization with a single point of contact to orchestrate the project according to the client’s project organization.

A premium Cash Customer Service (CCS) ensures a personalized and proactive monitoring of national and international operations – established to serve our key clients from one centralized point of contact for all their existing BNP Paribas network relationships.

Moreover the Client Management Team is your single point of contact and helps in account opening and KYC processes (Client Referential and Due Diligence Team) as well as a support in all the e-banking services.

Your dedicated team

Remaining competitive in a complex financial environment has become a daily challenge for every Corporate Treasurer. BNP Paribas Switzerland takes a holistic approach to your challenges from treasury, cash and liquidity management to digital and cyber-fraud prevention, looking towards innovation such as fintech, blockchain and real-time technology.

Your transaction banking specialists at BNP Paribas Switzerland are available to discuss with you your next treasury project.

Correspondent banks for payments

BNP Paribas in Switzerland has reinforced its international payments offer to provide worldwide capabilities. Please find below the main correspondents for payment orders.

Live Currency Rates

The exchange rates displayed on this page are indicative of the rates which will be applied to international payments processed by BNP Paribas. These rates are based on the SPOT rate at the time of publication and are therefore intended as a guide only.

To see a list of the indicative rates for your international payment please select the currency of your account from the menu below.