Overview: Best CHF Rates (insured up to 100k)

----- Last check/update: 22.7.24 -----

  • Best rates only & important conditions only

  • [de] [fr] [it] = Website available in that language only

  • Short guide to fixed income options

SPECIAL CASH ACCOUNTS [ Thread ]
= no withdrawal period & app only

wiLLBe 1.1% (<=50k / 1% above <=150k)

  • FX fee only ~0.1% (CHF/EUR/USD)
  • Liechtenstein deposit guarantee (no esisuisse)

radicant 1% (<=250k)

  • several payment features available

SPECIAL SAVINGS ACCOUNTS [ Thread ]
= limited time & new money only

WIR 1.8% (until 28.2.25)

  • 6m notice for >20k p.a.
  • rate is fixed

CLER 1.65% (for 1 year, 0.65% afterwards)

  • 6m notice for >50k p.a.
  • to not lose bonus interest (1%): max withdrawal of 20k within that year & no notice within that year (= lower actual rate for amounts >50k)

STANDARD SAVINGS ACCOUNTS [ Thread ]
++ more: moneyland

CEA [fr] 2%

  • 12m notice for >10k p.a.
  • also available: ‘jeunesse’ account for up to 35y old with 1.5% but easier withdrawal conditions

Cembra/HBL 1.6%

  • 6m notice for >20k per semester

SHORT-TERM DEPOSITS [ Thread ]
= fixed term (months) & fixed rate // high-ish amounts

nothing attractive right now

MEDIUM-TERM NOTES [ Thread ]
= fixed term (years) & fixed rate // more: moneyland

Cembra 1.6% - 2% (2Y - 10Y)

  • starting at 20k
31 Likes

Thanks a lot for composing this!
Micro-tip: Might be more glanceable in a table format (or bullet points at least). :clap:

1 Like

What if I open a Jeunesse account at CEA for my son and park my money there ? 1.5% interest rate and 3 months notice. Looks good ?

A post was merged into an existing topic: wiLLBe banking app