Current interest rates

  • Date of last interest rate change: 1 December 2019

    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 charges a 0.75 percent customer asset fee on the credit balance above this amount.

    Customers can reduce or avoid the customer asset fee by investing part of their assets in funds or other securities. The 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 Swiss francs and euros with assets of at least 250,000 Swiss francs (or the equivalent in euros), PostFinance charges a 0.75 percent customer asset fee on the credit balance above this amount.

    Customers can reduce or avoid the customer asset fee by investing part of their assets in funds or other securities. The 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 27.03.2020

    Fixed mortgage

    2 years
    1.10%
    3 years
    1.10%
    4 years
    1.10%
    5 years
    1.15%
    6 years
    1.15%
    7 years
    1.20%
    8 years
    1.25%
    9 years
    1.25%
    10 years
    1.30%
    11 years
    1.30%
    12 years
    1.35%
    13 years
    1.40%
    14 years
    1.45%
    15 years
    1.50%

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

    LIBOR mortgage

    Interest rate
    1.15%

For associations and business customers