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A Bank Letter of Reference is a crucial document in Swiss banking practice, issued by financial institutions to verify a client's banking relationship and financial standing. These letters are commonly requested for various purposes, including visa applications, business relationships, rental agreements, or other situations requiring proof of financial reliability. Under Swiss jurisdiction, these letters must comply with strict banking secrecy laws (particularly Article 47 of the Banking Act) and data protection regulations, which influence the scope and detail of information that can be disclosed. The letter typically confirms the length of the banking relationship, general account standing, and may include additional authorized information while maintaining the renowned Swiss standards of banking confidentiality. Banks must carefully balance providing useful information with maintaining client privacy and regulatory compliance.

1. Bank Letterhead and Date: Official bank letterhead including full contact details and date of issuance

2. Recipient Information: Full name and address of the recipient organization or individual

3. Reference Line: Clear indication that this is a Bank Reference Letter and the client's name

4. Account Relationship Confirmation: Statement confirming the duration of the banking relationship

5. Account Standing Declaration: General statement about the satisfactory maintenance of the account(s)

6. Standard Disclaimer: Standard banking disclaimer regarding the nature and limitations of the reference

7. Signature Block: Authorized bank officer's signature, name, title, and contact information