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