# CHF accounts with best interest rates: discussion
**URL:** https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427
**Category:** Banks, Insurances & Third Pillar
**Created:** [September 29, 2022, 7:18am UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427 "2022-09-29T07:18:03Z")
**Posts on this page:** 20
**Page:** 17
### Author:  [@ma0](https://forum.mustachianpost.com/u/ma0)
#### Post date: [February 11, 2025, 10:06am UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/462 "2025-02-11T10:06:00Z")
> [@rolandinho](#):
>
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### Author:  [@adrianf0](https://forum.mustachianpost.com/u/adrianf0)
#### Post date: [February 13, 2025, 2:31pm UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/464 "2025-02-13T14:31:10Z")
Is there something wrong with this offer? I noticed it hasn’t been added to the [overview thread](https://forum.mustachianpost.com/t/overview-best-chf-rates-insured-up-to-100k/10517), but it has already been read by @oslasho.
I’m asking because I might be interested in this offer. However, I see one downside: in order to be contacted about opening an account (as I’m not a client yet), I need to check a box stating that I “voluntarily accept that my data may be used for advertising purposes”.
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### Author:  [@90sArcadeKid](https://forum.mustachianpost.com/u/90sArcadeKid)
#### Post date: [March 3, 2025, 9:46am UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/466 "2025-03-03T09:46:56Z")
yeap from 1 march 2025 the new interest rate is 0.5% up to CHF 500,000 and 0.15% over CHF 500,000
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### Author:  [@cubanpete\_the\_swiss](https://forum.mustachianpost.com/u/cubanpete_the_swiss)
#### Post date: [May 26, 2025, 2:01pm UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/468 "2025-05-26T14:01:44Z")
Wise offers 1.95% for EUR and 4.07% for USD. Nothing for CHF I think, or probably I just hold too less…
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### Author:  [@Giff](https://forum.mustachianpost.com/u/Giff)
#### Post date: [June 30, 2025, 10:06am UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/469 "2025-06-30T10:06:12Z")
What’s the best savings account now that SNB’s rate is 0? Yuh gives me 0.1% since March and I predict they’ll lower it to zero very soon. I am thinking (over)paying taxes? Seems like Zurich still pays 1% interests
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### Author:  [@nabalzbhf](https://forum.mustachianpost.com/u/nabalzbhf)
#### Post date: [June 30, 2025, 10:24am UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/470 "2025-06-30T10:24:11Z")
> [@Giff](#):
>
> Zurich still pays 1% interests
Correct and 0.75% in 2026 which will likely stay fairly competitive.
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### Author:  [@markus654](https://forum.mustachianpost.com/u/markus654)
#### Post date: [June 30, 2025, 11:05am UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/471 "2025-06-30T11:05:49Z")
> [@Giff](#):
>
> What’s the best savings account now that SNB’s rate is 0? Yuh gives me 0.1%
0.1% is currently what you get if you don’t want to be tied down. This applies to Yuh, Radicant, Willbe etc. Without effort/commitment, you probably won’t get any more. Alternatives:
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>
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### Author:  [@Balaclava](https://forum.mustachianpost.com/u/Balaclava)
#### Post date: [June 30, 2025, 11:36am UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/472 "2025-06-30T11:36:36Z")
Cler ZAK seems to keep 0.5% up to 100k, cembra sparkonto plus is still 0.85% but 6mo withdrawal period.
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### Author:  [@Giff](https://forum.mustachianpost.com/u/Giff)
#### Post date: [June 30, 2025, 12:07pm UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/473 "2025-06-30T12:07:35Z")
Wow, good timing, yuh just wrote me that they’ll give 0 from July 1st
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### Author:  [@Giff](https://forum.mustachianpost.com/u/Giff)
#### Post date: [July 1, 2025, 7:49am UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/474 "2025-07-01T07:49:15Z")
Cembra flex with 0.3% and possibility to withdraw 20k/month might make me want to open yet another bank account (I have collected 8 banks so far).
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### Author:  [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)
#### Post date: [July 1, 2025, 8:10am UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/475 "2025-07-01T08:10:25Z")
Why not overpay taxes instead? Federal taxes pay me 4.5% interest.
Gemeinde/Kanton between 0.2% and 0.8%.
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### Author:  [@almi](https://forum.mustachianpost.com/u/almi)
#### Post date: [July 1, 2025, 8:23am UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/476 "2025-07-01T08:23:35Z")
> [@PhilMongoose](#):
>
> Federal taxes pay me 4.5% interest.
Where you got that from? I see 0.75% [here](https://www.news.admin.ch/de/nsb?id=102504).
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### Author:  [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)
#### Post date: [July 1, 2025, 8:36am UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/477 "2025-07-01T08:36:17Z")
Maybe I mis-remembered from my tax invoice…
Wait, I see:
> As of January 1, 2025, the default interest rate and the reimbursement interest rate on refunds will be 4.5 percent (previously 4.75 percent each) due to the current interest rate level. The reimbursement interest rate on voluntary advance payments of direct federal taxes will decrease to 0.75 percent (previously 1.25 percent).
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### Author:  [@Giff](https://forum.mustachianpost.com/u/Giff)
#### Post date: [July 1, 2025, 10:08am UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/479 "2025-07-01T10:08:01Z")
Yeah I am doing that but then I’d want to also have some cash available on a relatively short notice (though I could always borrow against my stocks).
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### Author:  [@Giff](https://forum.mustachianpost.com/u/Giff)
#### Post date: [July 8, 2025, 9:14pm UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/480 "2025-07-08T21:14:57Z")
Wir offers 0.75% and one can withdraw 20k/calendar year without notice.
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### Author:  [@Vaxl](https://forum.mustachianpost.com/u/Vaxl)
#### Post date: [July 9, 2025, 5:42pm UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/482 "2025-07-09T17:42:51Z")
Zak factsheet shows 0.3% now
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### Author:  [@TeaGhost](https://forum.mustachianpost.com/u/TeaGhost)
#### Post date: [July 9, 2025, 6:07pm UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/483 "2025-07-09T18:07:10Z")
Does anyone by any Chance know if CEA allows for banking relationships in (broken) German or English? I don‘t care about french acount statements, but appreciate an attempt from their side to talk anythingbother than French. And second question: does anyone knownif they provide for remote account creation or do I need to travel there? 🙂
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### Author:  [@Vaxl](https://forum.mustachianpost.com/u/Vaxl)
#### Post date: [July 9, 2025, 6:20pm UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/484 "2025-07-09T18:20:11Z")
remote, no need to travel there. All docs and website in French. 6months notice can be sent in the website using google translate : )
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### Author:  [@TeaGhost](https://forum.mustachianpost.com/u/TeaGhost)
#### Post date: [July 9, 2025, 6:48pm UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/485 "2025-07-09T18:48:10Z")
Thanks, you save my cash savings 😄 highly apprecoate your experience with them.
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### Author:  [@Giff](https://forum.mustachianpost.com/u/Giff)
#### Post date: [July 11, 2025, 2:06pm UTC](https://forum.mustachianpost.com/t/chf-accounts-with-best-interest-rates-discussion/9427/486 "2025-07-11T14:06:55Z")
Amazing: I requested such a conto from the e-banking (logged in, of course) and then after 48h they sent me a message saying that I first need a normal conto (which of course I have).
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