E-savings account

Save money and manage your account online

The e-savings account is ideal for setting money aside securely, flexibly and easily. It allows you to work step by step towards reaching your savings goal. You can manage your e-savings account easily with e-finance in our online banking system.

E-savings account: secure and flexible investment account

  • Interest of 0.05% with your e-savings account

  • Management in e-finance

  • Available in CHF and EUR 

     
  • Precondition

    For an e-savings account, you need a private account with e-finance.

    Services

    • The e-savings account is managed in the same currency as the main account (CHF or EUR)
    • Quarterly account statement for the e-savings account can be downloaded in e-finance
    • Annual interest statement 
    • Available as an individual or joint account
  • Current interest rates for private customers over 20

    Currency Interest Interest limit
    Currency
    CHF 
    Interest
    0.05%
    Interest limit
    CHF 250,000
    Currency
    EUR
    Interest
    0.05%
    Interest limit
    EUR 200,000

    Assets above the interest limit earn interest at the rate applicable to the private account.

    Current interest rates for young people up to 20

    Currency Interest Interest limit
    Currency
    CHF 
    Interest
    0.55%
    Interest limit
    CHF 25,000
    Currency
    EUR
    Interest
    0.55%
    Interest limit
    EUR 15,000

    Assets above the interest limit earn interest at the rate applicable to the e-savings account.

    Withdrawal conditions

    Number of free withdrawals/payment slips
    • 10 withdrawals per customer and calendar year (partner accounts count as one customer)
    • CHF 8 for each additional withdrawal
    Amount not subject to notice
    • CHF 100,000 per customer and calendar year (partner accounts count as one customer)
    • 3 months’ notice period for larger amounts
    • Withdrawal notices are valid for 30 days beyond the notice deadline. No written notice is required for transfer to PostFinance services (with the exception of PostFinance private account withdrawals)
    If the notice period is not observed
    • Charge of 1% of the amount exceeding the limit is charged at end of year or when the account is closed
  • Whether you want to close your current bank account or redistribute your assets, we’ll be happy to help. 

    Want to close your current bank account?

    1. Please fill in at least the first page
    2. Sign the form
    3. Send it to your current bank
  • How is the interest rate calculated and when is it applied?

    The interest limit applies to all savings and e-savings accounts maintained under the same partner number.

    How can I make payments for an e-savings account?

    E-finance can be used to make payments for your e-savings account. Please note the withdrawal conditions.

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