----- Last check/update: 25.11.24 -----
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Best rates only & important conditions only
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[de] [fr] [it] = Website available in that language only
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Short guide to fixed income options
SPECIAL CASH ACCOUNTS [ Thread ]
= no withdrawal period & app only
wiLLBe 0.85% (<=50k / 0.55% above <=150k)
- FX fee only ~0.1% (CHF/EUR/USD)
- Liechtenstein deposit guarantee (vs. esisuisse)
Alpian 1% if >100k (otherwise 0.75%)
- monthly payout
- FX fee only 0.2% on weekdays (CHF/EUR/USD/GBP)
radicant 0.75% (<=100k / 1% above <=250k)
- several payment features available
SPECIAL SAVINGS ACCOUNTS [ Thread ]
= limited time & new money only
CLER 1.4% for 1 year (0.4% 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] 1.5%
- 12m notice for >10k p.a.
- also available: ‘jeunesse’ account for up to 35y old with 1.5% but easier withdrawal conditions
Cembra 1.4%
- 6m notice for >20k per semester
SHORT-TERM DEPOSITS [ Thread ]
= fixed term (months) & fixed rate // high-ish amounts
wiLLBe 1.1% (12m)
- starting at 100.-
MEDIUM-TERM NOTES [ Thread ]
= fixed term (years) & fixed rate // more: moneyland
CEA [fr] 1.2 - 1.4% (3Y - 8Y)
- starting at 5k
Cembra 1.1% - 1.4% (2Y - 10Y)
- starting at 20k
wiLLBe see below (2Y - 10Y)
- frequent changes of rates, mostly competitive
- starting at 100.-
