Date of last interest rate change: 1 December 2019
Current interest rates
-
For private and savings accounts in CHF and EUR with assets of at least CHF 500,000 (or the equivalent in euros), PostFinance generally charges a 1% customer asset fee on the credit balance above this amount.
For customers with a high credit balance and no other services (banking products, such as investment funds or a mortgage) and who only use payment transactions occasionally, we charge a customer asset fee of 1% from CHF 250,000. Affected customers will be informed of their new, individual threshold value in writing well in advance.
Customer asset fees are calculated per customer relationship for all private and savings accounts and debited monthly.
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 -.– / EUR -.–
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 December 2019
For private and savings accounts in CHF and EUR with assets of at least CHF 500,000 (or the equivalent in euros), PostFinance generally charges a 1% customer asset fee on the credit balance above this amount.
For customers with a high credit balance and no other services (banking products, such as investment funds or a mortgage) and who only use payment transactions occasionally, we charge a customer asset fee of 1% from CHF 250,000. Affected customers will be informed of their new, individual threshold value in writing well in advance.
Customer asset fees are calculated per customer relationship for all private and savings accounts and debited monthly.
E-savings account
Balances
Interest CHF
Interest EUR
Balances With credit of up to CHF 250'000.– / EUR 200'000.–
Interest CHF 0.025%
Interest EUR 0.025%
Balances With credit above CHF 250'000.– / EUR 200'000.–
Interest CHF 0.00%
Interest EUR 0.00%
Balances Debit interest for negative balances
Interest CHF 9.50%Interest EUR 9.50%
Savings account
Balances
Interest CHF
Interest EUR
Balances With credit of up to CHF 250'000.– / EUR 200'000.–
Interest CHF 0.025%
Interest EUR 0.025%
Balances With credit above CHF 250'000.– / EUR 200'000.–
Interest CHF 0.00%
Interest EUR 0.00%
Balances Debit interest for negative balances
Interest CHF 9.50%Interest EUR 9.50%
The assets apply to all savings and e-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 0.55%
Interest EUR 0.55%
Balances Debit interest for negative balances
Interest CHF 9.50%Interest EUR 9.50%
The assets apply to all savings and e-savings accounts maintained under the same partner number
Assets above the interest limit earn interest at the rate applicable to the savings account.
Youth e-savings account
Balances
Interest CHF
Interest EUR
Balances With credit of up to CHF 25'000.– / EUR 15'000.–
Interest CHF 0.55%
Interest EUR 0.55%
Balances Debit interest for negative balances
Interest CHF 9.50%Interest EUR 9.50%
The assets apply to all savings and e-savings accounts maintained under the same partner number
Assets above the interest limit earn interest at the rate applicable to the e-savings account.
Gift account
Balances
Interest CHF
Balances With credit of up to CHF 25'000.–
Interest CHF 0.55%
Balances Debit interest for negative balances
Interest CHF 9.50%The assets apply to all savings and e-savings accounts maintained under the same partner number
Assets above the interest limit earn interest at the rate applicable to the savings account.
-
Account
Interest
Account Retirement savings account 3a
Interest 0.15%Account Vested benefits account (Pillar 2)
Interest 0.05% -
Mortgage interest rates valid as of 21.01.2020
Fixed mortgage
2 years
1.00%3 years
1.00%
4 years
1.00%
5 years
1.05%
6 years
1.05%
7 years
1.05%
8 years
1.05%
9 years
1.05%
10 years
1.10%
11 years1.15%12 years1.20%13 years1.20%14 years1.30%15 years1.30%The interest rates are standard rates for best creditworthiness. These rates are for information purposes only and are non-binding.
LIBOR mortgage
Interest rate
1.05%