Current interest rates

Date of last interest rate change: 1 August 2016

Private account (for people aged 20 or older)

BalancesInterest CHFInterest EUR
Total balance
0.000% 0.000%
Debit interest for negative balances 9.500% 9.500%

Youth account (for people under 20)

BalancesInterest CHFInterest EUR
Balance of up to CHF 25,000/EUR 15,0000.500%0.500%
Balance from CHF 25,000/EUR 15,000 0.000% 0.000%
Debit interest for negative balances 9.500% 9.500%

Student account (for people aged 18-30)

BalancesInterest CHFInterest EUR
Balance of up to CHF 25,000/EUR 15,0000.500%0.500%
Balance from CHF 25,000/EUR 15,000 0.000% 0.000%
Debit interest for negative balances 9.500% 9.500%

Private account in foreign currency

Foreign currency
Interest
Australian dollar (AUD)0.000%
Canadian dollar (CAD) 0.000%
Danish krone (DKK) 0.000%
Pound sterling (GBP) 0.000%
Japanese yen (JPY) 0.000%
Norwegian krone (NOK) 0.000%
Swedish krone (SEK) 0.000%
US dollar (USD) 0.000%

PostFinance reserves the right to charge a fee on the credit balance if there are very high levels of customer assets on private and savings accounts. You can obtain the conditions from your customer advisor.

Date of last interest rate change: 1 August 2016

E-savings account

BalancesInterest CHFInterest EUR
With credit of up to CHF 500,000/EUR 350,000
0.050%0.050%
With credit above CHF 500,000/EUR 350,000
0.000%0.000%
Debit interest for negative balances 9.500% 9.500%

Savings account

BalancesInterest CHFInterest EUR
With credit of up to CHF 500,000/EUR 350,000 0.050% 0.050%
With credit above CHF 500,000/EUR 350,0000.000%0.000%
Debit interest for negative balances 9.500% 9.500%

The assets apply to all savings and e-savings accounts managed under the same partner number.

Youth e-savings account

BalancesInterest CHFInterest EUR
With credit of up to CHF 25,000/EUR 15,000
0.800%0.800%
With credit above CHF 25,000/EUR 15,000
0.050%0.050%
Debit interest for negative balances 9.500% 9.500%

Youth savings account

BalancesInterest CHFInterest EUR
With credit of up to CHF 25,000/EUR 15,000 0.800% 0.800%
With credit above CHF 25,000/EUR 15,000 0.050% 0.050%
Debit interest for negative balances 9.500% 9.500%

Gift account

BalancesInterest CHF
Interest EUR
With credit of up to CHF 25,000
0.800%not available
With credit above CHF 25,000
0.050%not available
Debit interest for negative balances
9.500% 9.500%

PostFinance reserves the right to charge a fee on the credit balance if there are very high levels of customer assets on private and savings accounts. You can obtain the conditions from your customer advisor.

AccountInterest
Retirement savings account 3a0.500%
Vested benefits account (Pillar 2)0.200%

Duration of medium-term notes

Running timeInterest CHFInterest EUR
2 years0.0%0.0%
3 years0.0%0.0%
4 years0.0%0.0%
5 years0.0%0.0%
6 years0.0%0.0%
7 years0.0%0.0%
8 years0.0%0.0%
9 years0.0%0.0%
10 years0.0%0.0%

 

Interest figures are based on amounts of up to CHF 500,000/EUR 400,000. Interest rates for amounts over CHF 500,000/EUR 400,000 per customer are available on request. No agreements may be concluded for maturities with 0% interest.

Conditions for medium-term notes 

  • Interest is calculated as of the day payment is made
  • From the time when interest begins to accrue, the current interest rate is guaranteed for the whole term of the investment.
  • Interest is credited to the investor's Postal account annually (less 35% Swiss Federal withholding tax).
  • Prior to the end of the investment term you will receive an offer to renew the investment at the interest rates valid at the time.
  • Principal plus interest is transferred automatically to the investor's Postal account upon maturity.

Mortgage interest rates valid as of 09.12.2016

Fixed mortgage

2 years1.05%
3 years1.05%
4 years1.10%
5 years1.10%
6 years1.25%
7 years1.30%
8 years1.50%
9 years1.60%
10 years1.65%

The interest rates are standard rates for best creditworthiness. These rates are for information purposes only and are non-binding.

CAPPED LIBOR mortgage

Interest rate1.35%
A maximum interest rate1.95%

LIBOR mortgage

Interest rate
1.15%