Date of last interest rate change: 1 December 2019
Current interest rates
-
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%
|