Date of last interest rate change: 1 December 2019
Current interest rates
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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 0.25 percent customer asset fee on the credit balance above this amount.
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%
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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 0.25 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.
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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 30.09.2022
Fixed mortgage
Term
Interest rate p.a.
Term 2 years
Interest rate p.a. 2.85%Term 3 years
Interest rate p.a. 2.85%
Term 4 years
Interest rate p.a. 3.00%
Term 5 years
Interest rate p.a. 3.10%
Term 6 years
Interest rate p.a. 3.20%
Term 7 years
Interest rate p.a. 3.30%
Term 8 years
Interest rate p.a. 3.35%
Term 9 years
Interest rate p.a. 3.45%
Term 10 years
Interest rate p.a. 3.50%
Term 11 yearsInterest rate p.a. 3.50%Term 12 yearsInterest rate p.a. 3.55%Term 13 yearsInterest rate p.a. 3.60%Term 14 yearsInterest rate p.a. 3.60%Term 15 yearsInterest rate p.a. 3.60%The interest rates are standard rates for best creditworthiness. These rates are for information purposes only and are non-binding.
Saron mortgage
Interest rate
1.15%