Fixed-term deposits

The plannable investment

Fixed-term deposits are the right money market instrument for investors who want to invest their surplus cash in the short to medium term. You determine the term of your investment yourself.

Fixed-term deposits: choose the term yourself

  • Plannable investments with a fixed, agreed-upon interest rate

  • The term can be freely selected up to 12 months

  • No commission

  • Sign up online in e-finance or the PostFinance App

  •  Fixed-term deposits up to CHF 1 millionFixed-term deposits from CHF 1 million
    Minimum amount
    Fixed-term deposits up to CHF 1 million
    CHF 100,000 or equivalent in foreign currency
    Fixed-term deposits from CHF 1 million
    CHF 1 million or equivalent in foreign currency
    Term 
    Fixed-term deposits up to CHF 1 million
    1 to 12 months
    Fixed-term deposits from CHF 1 million
    Anything from 1 week to 12 months
    Interest rate
    Fixed-term deposits up to CHF 1 million
    On request
    Fixed-term deposits from CHF 1 million
    On request
    Debit from account
    Fixed-term deposits up to CHF 1 million
    On value date
    Fixed-term deposits from CHF 1 million
    On value date
    Value date
    Fixed-term deposits up to CHF 1 million
    Conclusion of transaction plus 2 working days
    Fixed-term deposits from CHF 1 million
    Conclusion of transaction plus 2 working days
    Withholding tax
    Fixed-term deposits up to CHF 1 million
    35%
    Fixed-term deposits from CHF 1 million
    35%
    Commission
    Fixed-term deposits up to CHF 1 million
    None
    Fixed-term deposits from CHF 1 million
    None

    Investment currencies

    CHF
    Swiss franc
    AUD
    Australian dollar
    CAD
    Canadian dollar
    DKK
    Danish krone
    EUR
    Euro
    GBP
    British pound
    JPY
    Japanese yen
    NOK
    Norwegian krone
    SEK
    Swedish krona
    USD
    American dollar

    PostFinance reserves the right to modify the available currencies based on the current market situation.

    • With PostFinance, you can sign up for fixed-term deposits conveniently via your e-finance customer login.  If you don’t yet have a PostFinance account, it’s easy to become a customer in the PostFinance App for iOS or Android. You can open your banking package consisting of account, PostFinance Card and e-finance access in just a few minutes online.

      Become a customer using your smartphone

    • The capital is invested at a fixed interest rate that is determined individually based on the current market interest rate.

    • The minimum amount is CHF 100,000 – or the equivalent value in a foreign currency.

    • No. Early repayment is not possible.

    • Deposits and, in turn, fixed-term deposits totalling up to CHF 100,000 per customer are covered by statutory depositor protection.

    • Yes, a reference account in your chosen investment currency is required to invest fixed-term deposits at PostFinance.

    • As you require a PostFinance reference account in your chosen investment currency, no additional documents are needed to sign up for fixed-term deposits.

    • The interest from fixed-term deposits is paid out at the end of the agreed term.

    • Yes. You can sign up for fixed-term deposits using a partner account.

    • Once the term has ended, the invested amount and the generated interest (minus 35% withholding tax) is paid out to the specified reference account.

    • The interest income is subject to federal withholding tax (35%), which is deducted directly from the generated interest.

    • No. Fixed-term deposits are not extended automatically, but you can sign up again once they have expired.

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