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

Wiki
1

----- Last update: 10.2.26 -----

  • 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 limit

wiLLBe 0.1%

  • FX fee 0.3% (CHF/EUR/USD/GBP)
  • Liechtenstein deposit guarantee (vs. esisuisse)

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

Valiant 1.01% until 28.2.27

  • fixed rate
  • 6m notice (by 1.3.27 at the earliest) for >10k p.a.

Baloise 0.75% for 1 year

  • 1m notice for >15k/m

WIR 0.7% until 30.9.26

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

CLER 0.7% for 1 year

  • 6m notice for >50k p.a.
  • to not lose bonus interest (0.6%): max withdrawal of 20k within that year & no notice within that year (= lower actual rate for amounts >50k)

BCVS/WKB 0.65% until 31.12.26

  • at least 50k
  • 3m notice for >10k

Migros 0.6% for 1 year

  • 3m notice

STANDARD SAVINGS ACCOUNTS [ Thread ]
++ more: moneyland

CEA [fr] 1.0%

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

CER [fr] 1.0%

  • 6m notice for >10k per semester

Cembra 0.6%

  • 6m notice for >20k per semester

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

currently no great offers

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

CER [fr] 0.9% - 1.1% (2Y - 10Y)

CEA [fr] 0.8% - 1.0% (3Y - 8Y)

  • starting at 5k

Cembra 0.5% - 1.0% (2Y - 10Y)

  • starting at 20k
38 Likes
CHF accounts with best interest rates: discussion
wiLLBe banking app
Where to keep savings with a small financial return and full flexibility to withdraw?
What's your asset allocation - graphical view
ETF monétaire IBKR
CHF accounts with best interest rates: discussion
wiLLBe banking app
2

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

1 Like
Suisse Comptes rémunérés
5

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 ?

9

If 100k is the maximum you would put there, and I suspect many of us are dealing with a smaller cash position assuming the strategies that are emphasized on this forum,

I don’t get how chasing a few hundreds by adding complexity, contracts, paper work, children proxy, is a great deal.

Especially when it’s time-limited, and you should as well cancel everything afterwards.

1 Like
10

“If 100k is the maximum you would put there, and I suspect many of us are dealing with a smaller cash position assuming the strategies that are emphasized on this forum.”

That is unless you consider these positions not as cash (pretty illiquid as a matter of fact), but as bonds. Then you’ll easily end up north of 100k.

I’d say 100k insured at 1% interests sounds better than most actual low-risk bonds in CHF right now.

2 Likes
11

Well that’s my case, I just felt I was outside the clique :joy:

1 Like
12

What is the catch of Baloise “Sparen Bonus” with 0.75% interest?

  • No opening, account and closure fees.
  • 15k CHF free withdrawal per month.
  • 1 month notice for >15k CHF.
  • No fees for bank transfer, which is unusual for saving accounts.

It can be almost considered as a standard account, because of the short notice period of 1 month.

13

Sounds like a promotional offer. It’s not bad but don’t expect them to pay a higher than usual interest rate long term.

2 Likes