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

Last check/update: 5.12.2023

  • Best rates only & important conditions only

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

  • Short guide to fixed income options

Special savings accounts [ Thread ]
= limited time & new money only

WIR 1.8% (until 31.3.24, 1.35% afterwards)

  • 6m notice for >20k p.a.

CLER 1.8% (for 1 year, 0.8% afterwards)

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

CS 1.5% (until 30.9.24)

  • 3m notice for >50k p.a.
  • account opening until 29.12.23

UBS 1.5% (until 31.12.24)

  • max 10k p.a. otherwise lose 0.5% on the overdrawn amount

Avera 1.45% (until 30.6.24)

  • 31d notice for >20k per month
  • starting at 25k

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

wiLLBe 1.55% (<=50k / 1.25% above <=100k)

  • no notice needed
  • via app only
  • Liechtenstein deposit guarantee (no esisuisse)

radicant 1.5% (<=250k)

  • no notice needed
  • via app only

CER [fr] 1.5% (<=50k / 0.7% above)

  • 6m notice for >10k per semester

bankbsu [de] 1.36% (<=25k / 1.11% above <=100k)

  • 6m notice for >50k p.a.

Short-term deposits [ Thread ]
= usually starting at high-ish amounts

UBS / CS 1.75% (12m)

  • starting at 25k
  • for new money

SHKB [de] 1.75% (3m)

  • starting at 5k (up to 100k)
  • valid until 15.12.23

CA next bank 1.75% (12m)

  • starting at 50k
  • banking package needed

CIC tbd (12m / quarterly withdrawal option)

  • starting at 50k
  • CIC ON is an option to avoid fees
  • new offer usually being announced by mid-month, term starting on first day of next month

Medium-term notes [ Thread ]

Cembra 2% - 2.4% (2Y - 10Y)

  • starting at 20k

Clientis Biene [de] 2% (3Y)

27 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 ?