Current interest rates

  • Date of last interest rate change: 1 October 2022

    Private account (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 February 2023

    Savings account

    Balances
    Interest CHF
    Interest EUR
    Balances
    Balance up to CHF 25'000.–  / EUR 80'000.–
    Interest CHF
    0.40%
    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.

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

    Youth savings account

    Balances
    Interest CHF
    Interest EUR
    Balances
    Balance up to CHF 25'000.– / EUR 15'000.–
    Interest CHF
    0.75%
    Interest EUR
    0.50%
    Balances
    Balance from CHF 25'000.– / EUR 15'000.–
    Interest CHF
    0.00%
    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 maintained under the same partner number.

    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
    0.75%
    Balances
    Debit interest for negative balances
    Interest CHF
    9.50%

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

  • Account
    Interest
    Account
    Retirement savings account 3a
    Interest
    0.30%
    Account
    Vested benefits account (Pillar 2)
    Interest
    0.01%
  • The exact interest rate is calculated based on the detailed information in your loan application.

    Interest rate of at least
    3.95%
    Interest rate of max.
    8.90%
    Terms
    6 to 84 months
    Loan amount
    From CHF 1,000 to CHF 80,000
  • Mortgage interest rates valid as of 01.02.2023

    Fixed mortgage

    Term
    Interest rate p.a.
    Term
    2 years
    Interest rate p.a.
    2.50%
    Term
    3 years
    Interest rate p.a.
    2.55%
    Term
    4 years
    Interest rate p.a.
    2.60%
    Term
    5 years
    Interest rate p.a.
    2.70%
    Term
    6 years
    Interest rate p.a.
    2.75%
    Term
    7 years
    Interest rate p.a.
    2.80%
    Term
    8 years
    Interest rate p.a.
    2.85%
    Term
    9 years
    Interest rate p.a.
    2.90%
    Term
    10 years
    Interest rate p.a.
    2.90%
    Term
    11 years
    Interest rate p.a.
    2.95%
    Term
    12 years
    Interest rate p.a.
    2.95%
    Term
    13 years
    Interest rate p.a.
    2.95%
    Term
    14 years
    Interest rate p.a.
    3.00%
    Term
    15 years
    Interest rate p.a.
    3.00%

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

    Saron mortgage

    Term
    3 years
    Interest period
    3 months
    Base interest rate + guide margin
    • For the entire duration, the interest rate is composed of the relevant base interest rate plus the guide margin.
    • The base interest rate is always at least 0.00%.
    • For each interest period, the interest rate is fixed five banking days before the end of the interest period.
    • Throughout the entire term, it is possible to change to a PostFinance fixed-rate mortgage at the end of each quarter.
    • The interest rates are standard rates for best creditworthiness. Data is provided for information purposes only and is non-binding.
  • Running time
    Interest CHF
    Interest EUR
    Running time
    2 years
    Interest CHF
    0.75%
    Interest EUR
    1.30%
    Running time
    3 years
    Interest CHF
    0.85%
    Interest EUR
    1.40%
    Running time
    4 years
    Interest CHF
    0.90%
    Interest EUR
    1.50%
    Running time
    5 years
    Interest CHF
    1.00%
    Interest EUR
    1.60%
    Running time
    6 years
    Interest CHF
    1.05%
    Interest EUR
    1.60%
    Running time
    7 years
    Interest CHF
    1.10%
    Interest EUR
    1.70%
    Running time
    8 years
    Interest CHF
    1.15%
    Interest EUR
    1.70%
    Running time
    9 years
    Interest CHF
    1.20%
    Interest EUR
    1.80%
    Running time
    10 years
    Interest CHF
    1.25%
    Interest EUR
    1.80%

    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.

For associations and business customers