Date of last interest rate change: 1 December 2019
Current interest rates
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For private and savings accounts in Swiss francs and euros with assets of at least 250,000 Swiss francs (or the equivalent in euros), PostFinance basically charges a customer asset fee of 0.75 percent on the credit balance above this amount.
In addition, for customers with substantial assets on their private and savings accounts who do not use any other products, PostFinance charges a customer asset fee of 0.75 percent for assets from 100,000 Swiss francs (or the equivalent in euros).
The affected customers will be informed in writing of all potential changes in good time. They can reduce or avoid the customer asset fee by investing part of their assets in funds or other securities.
The customer asset fee is calculated per customer relationship for all private and savings accounts in francs and euros and is debited monthly.
Private account and private account plus (for people aged 20 or older)
Balances
Interest CHF
Interest EUR
Balances Total balanceInterest CHF 0.00%Interest EUR 0.00%Balances Debit interest for negative balancesInterest 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 balancesInterest 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 balancesInterest 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 Swiss francs and euros with assets of at least 250,000 Swiss francs (or the equivalent in euros), PostFinance basically charges a customer asset fee of 0.75 percent on the credit balance above this amount.
In addition, for customers with substantial assets on their private and savings accounts who do not use any other products, PostFinance charges a customer asset fee of 0.75 percent for assets from 100,000 Swiss francs (or the equivalent in euros).
The affected customers will be informed in writing of all potential changes in good time. They can reduce or avoid the customer asset fee by investing part of their assets in funds or other securities.
The customer asset fee is calculated per customer relationship for all private and savings accounts in francs and euros and is debited monthly.
E-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 With credit above CHF 100'000.– / EUR 80'000.–Interest CHF 0.00%Interest EUR 0.00%Balances Debit interest for negative balancesInterest CHF 9.50%Interest EUR 9.50%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 With credit above CHF 100'000.– / EUR 80'000.–Interest CHF 0.00%Interest EUR 0.00%Balances Debit interest for negative balancesInterest 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 0.50%Interest EUR 0.50%Balances Debit interest for negative balancesInterest 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 0.50%Interest EUR 0.50%Balances Debit interest for negative balancesInterest 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
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 balancesInterest 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 3aInterest 0.10%Account Vested benefits account (Pillar 2)Interest 0.01% -
Mortgage interest rates valid as of 15.01.2021
Fixed mortgage
Term
Interest rate p.a.
Term 2 yearsInterest rate p.a. 1.00%Term 3 yearsInterest rate p.a. 1.00%Term 4 yearsInterest rate p.a. 1.00%Term 5 yearsInterest rate p.a. 1.05%Term 6 yearsInterest rate p.a. 1.05%Term 7 yearsInterest rate p.a. 1.05%Term 8 yearsInterest rate p.a. 1.05%Term 9 yearsInterest rate p.a. 1.10%Term 10 yearsInterest rate p.a. 1.10%Term 11 yearsInterest rate p.a. 1.15%Term 12 yearsInterest rate p.a. 1.20%Term 13 yearsInterest rate p.a. 1.20%Term 14 yearsInterest rate p.a. 1.25%Term 15 yearsInterest rate p.a. 1.30%Saron mortgage
Interest rate0.95%