Current interest rates

Accounts for private customers

Saving and retirement planning	Interest in CHF	Interest in EUR
Saving and retirement planning Savings account	Interest in CHF 0.01% ^{0.00% from CHF 50'000 credit}	Interest in EUR 0.01% ^{0.00% from EUR 50'000 credit}
Saving and retirement planning Youth savings account (up to age 20)	Interest in CHF 0.60% ^{0.01% from CHF 25'000 credit} ^{0.00% from CHF 50'000 credit}	Interest in EUR 0.60% ^{0.01% from EUR 25'000 credit} ^{0.00% from EUR 50'000 credit}
Saving and retirement planning Retirement savings account 3a	Interest in CHF 0.20%	Interest in EUR –
Saving and retirement planning Vested benefits account	Interest in CHF 0.01%	Interest in EUR –

Accounts for payments	Interest in CHF	Interest in EUR
Accounts for payments Private account in CHF Private account in EUR	Interest in CHF 0.00%	Interest in EUR 0.00%
Accounts for payments Youth account (up to age 20)	Interest in CHF 0.25% ^{0.00% from CHF 25'000 credit}	Interest in EUR 0.25% ^{0.00% from EUR 25'000 credit}
Accounts for payments Student account (age 18 to 30)	Interest in CHF 0.25% ^{0.00% from CHF 25’000 credit}	Interest in EUR 0.25% ^{0.00% from EUR 25’000 credit}

Mortgage	Term and interest p.a.
Mortgage Fixed-rate mortgage	Term and interest p.a. 2 years: from 0.97% 5 years: from 1.09% 10 years: from 1.41% 15 years: from 1.69%
Mortgage SARON mortgage	Term and interest p.a. 3 years Compounded SARON® 3 months+ from 0.95% margin

Mortgage interest rates for new business valid as of 08.05.2025 (09:15)
The interest rates are the standard rates for best creditworthiness when financing an owner-occupied residential property. Data is provided for information purposes only and is non-binding.

Payment transactions	Interest in CHF	Interest in EUR
Payment transactions Business account in CHF Business account in EUR	Interest in CHF 0.00%	Interest in EUR 0.00%
Payment transactions Association account	Interest in CHF 0.00%	Interest in EUR 0.00%

Valid since 1 June 2018
Association account for associations with no commercial purpose (leisure associations)
Debit interest on negative balance: 9.50%

Currencies offered: AUD / CAD / DKK / GBP / JPY / NOK / SEK / USD

Account	Interest for all currencies
Account Private account in foreign currency	Interest for all currencies 0.00%
Account Business account in foreign currency	Interest for all currencies 0.00%

Interest begins to accrue on the payment subscription date
At the point when interest begins to accrue, the current interest rate is guaranteed for the entire term
The interest is credited to the investor account annually (minus 35% Swiss federal withholding tax)
Before the end of the term, you will receive a renewal offer with the current valid interest rates
At the end of the term, the capital plus interest will be transferred automatically to the investor account

The exact interest rate is calculated based on the detailed information in your loan application.