Current interest rates

  • Date of last interest rate change: 1 December 2019

    For private and savings accounts in francs and euros with assets of at least 100,000 francs (or the equivalent in euros), PostFinance charges a 0.75 percent customer asset fee on the credit balance above this amount.

    Private account and private account plus (for people aged 20 or older)

    Balances
    		Interest CHF
    		Interest EUR
    Balances
    Total balance
    		 Interest CHF
    0.00%
    		 Interest EUR
    0.00%
    Balances
    Debit interest for negative balances
    		 Interest CHF
    9.50%
    		 Interest EUR
    9.50%

    Youth account (for people under 20)

    Balances
    		Interest CHF
    		Interest EUR
    Balances
    Balance of up to CHF 25'000.– / EUR 15'000.–
    		 Interest CHF
    0.25%
    		 Interest EUR
    0.25%
    Balances
    Balance from CHF 25'000.– / EUR 15'000.–
    		 Interest CHF
    0.00%
    		 Interest EUR
    0.00%
    Balances
    Debit interest for negative balances
    		 Interest CHF
    9.50%
    		 Interest EUR
    9.50%

    Student account (18 to 30)

    Balances
    		Interest CHF
    		Interest EUR
    Balances
    Balance of up to CHF 25'000.– / EUR 15'000.–
    		 Interest CHF
    0.25%
    		 Interest EUR
    0.25%
    Balances
    Balance from CHF 25'000.– / EUR 15'000.–
    		 Interest CHF
    0.00%
    		 Interest EUR
    0.00%
    Balances
    Debit interest for negative balances
    		 Interest CHF
    9.50%
    		 Interest EUR
    9.50%

    Private account in foreign currency

    Foreign currency
    		Interest
    Foreign currency
    Australian dollar (AUD)
    		 Interest
    0.00%
    Foreign currency
    Canadian dollar (CAD)
    		 Interest
    0.00%
    Foreign currency
    Danish krone (DKK)
    		 Interest
    0.00%
    Foreign currency
    Pound sterling (GBP)
    		 Interest
    0.00%
    Foreign currency
    Japanese yen (JPY)
    		 Interest
    0.00%
    Foreign currency
    Norwegian krone (NOK)
    		 Interest
    0.00%
    Foreign currency
    Swedish krone (SEK)
    		 Interest
    0.00%
    Foreign currency
    US dollar (USD)
    		 Interest
    0.00%

  • Date of last interest rate change: 1 January 2021

    For private and savings accounts in francs and euros with assets of at least 100,000 francs (or the equivalent in euros), PostFinance charges a 0.75 percent customer asset fee on the credit balance above this amount.

    Savings account

    Balances
    		Interest CHF
    		Interest EUR
    Balances
    With credit of up to CHF 100'000.–  / EUR 80'000.–
    		 Interest CHF
    0.01%
    		 Interest EUR
    0.01%
    Balances
    Debit interest for negative balances
    		 Interest CHF
    9.50%
    		 Interest EUR
    9.50%

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

    Youth savings account

    Balances
    		Interest CHF
    		Interest EUR
    Balances
    With credit of up to CHF 25'000.– / EUR 15'000.–
    		 Interest CHF
    0.50%
    		 Interest EUR
    0.50%
    Balances
    Debit interest for negative balances
    		 Interest CHF
    9.50%
    		 Interest EUR
    9.50%

    The assets apply to all savings accounts maintained under the same partner number.

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

    Gift account

    Note

    The interest rate is valid for all gift savings accounts opened before 18 October 2020. Gift savings accounts are no longer available from 19 October 2020.

    Balances
    		Interest CHF
    Balances
    With credit of up to CHF 25'000.–
    		 Interest CHF
    0.50%
    Balances
    Debit interest for negative balances
    		 Interest CHF
    9.50%

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

  • Account
    		Interest
    Account
    Retirement savings account 3a
    		 Interest
    0.05%
    Account
    Vested benefits account (Pillar 2)
    		 Interest
    0.01%

  • Mortgage interest rates valid as of 19.10.2021

    Fixed mortgage

    Term
    		Interest rate p.a.
    Term
    2 years
    		 Interest rate p.a.
    0.90%
    Term
    3 years
    		 Interest rate p.a.
    0.90%
    Term
    4 years
    		 Interest rate p.a.
    0.90%
    Term
    5 years
    		 Interest rate p.a.
    0.90%
    Term
    6 years
    		 Interest rate p.a.
    1.00%
    Term
    7 years
    		 Interest rate p.a.
    1.05%
    Term
    8 years
    		 Interest rate p.a.
    1.20%
    Term
    9 years
    		 Interest rate p.a.
    1.15%
    Term
    10 years
    		 Interest rate p.a.
    1.20%
    Term
    11 years
    		 Interest rate p.a.
    1.40%
    Term
    12 years
    		 Interest rate p.a.
    1.45%
    Term
    13 years
    		 Interest rate p.a.
    1.45%
    Term
    14 years
    		 Interest rate p.a.
    1.55%
    Term
    15 years
    		 Interest rate p.a.
    1.55%

    Saron mortgage

    Interest rate
    0.80%

For associations and business customers