The Swiss National Bank (SNB) lowered its policy rate from 0.25% to 0.00% on 19 June 2025. This was the SNB’s sixth policy rate cut in a row. PostFinance is responding to this by adjusting the interest rates on youth, savings and re-tirement savings accounts as of 1 August 2025.
| Account | Interest rate from 1 August 2025 |
|---|---|
| Account Youth account / student account in CHF |
Interest rate from 1 August 2025 0,10% up to CHF 25‘000.– 0,00% from CHF 25‘000.– (unchanged) |
| Account Youth account / student account in EUR |
Interest rate from 1 August 2025 0,10% up to EUR 25‘000.– 0,00% from EUR 25‘000.– (unchanged) |
| Account Savings account in CHF |
Interest rate from 1 August 2025 0,00% |
| Account Savings account in EUR |
Interest rate from 1 August 2025 0,00% |
| Account Youth savings account in CHF (incl. gift savings account in CHF) |
Interest rate from 1 August 2025 0,25% up to CHF 25‘000.– 0,00% from CHF 25‘000.– to CHF 50‘000.– 0,00% from CHF 50‘000.– (unchanged) |
| Account Youth savings account in EUR |
Interest rate from 1 August 2025 0,25% up to EUR 25‘000.– 0,00% from EUR 25‘000.– to EUR 50‘000.– 0,00% from EUR 50‘000.– (unchanged) |
| Account Retirement savings account 3a |
Interest rate from 1 August 2025 0,05% |
| Account Vested benefits account |
Interest rate from 1 August 2025 0,00% |
The adapted interest rates will come into effect automatically; customers do not need to do anything. For other account types, existing interest rates will continue to apply.
The SNB will conduct its next monetary policy assessment on 25 September 2025. PostFinance monitors developments on an ongoing basis. PostFinance will provide information promptly in the event of further modifications.