Current interest rates

Date of last interest rate change: 1 July 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%

Date of last interest rate change: 1 July 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%
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 27.09.2016

Fixed mortgage

2 years1.00%
3 years1.05%
4 years1.10%
5 years1.10%
6 years1.10%
7 years1.10%
8 years1.15%
9 years1.15%
10 years1.15%

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

CAPPED LIBOR mortgage

Interest rate1.40%
A maximum interest rate2.00%

LIBOR mortgage

Interest rate
1.20%