Current interest rates

  • Date of last interest rate change: 1 January 2017

    Private account (for people aged 20 or older)

    Balances
    		Interest CHF
    		 Interest EUR
    BalancesTotal balance
    		 Interest CHF0.00% Interest EUR0.00%
    BalancesDebit interest for negative balances
    		 Interest CHF9.50% Interest EUR9.50%

    Youth account (for people under 20)

    Balances
    		 Interest CHF
    		 Interest EUR
    BalancesBalance of up to CHF 25'000.– / EUR 15'000.–
    		 Interest CHF0.25%
    		 Interest EUR0.25%
    BalancesBalance from CHF 25'000.– / EUR 15'000.–
    		 Interest CHF0.00% Interest EUR0.00%
    BalancesDebit interest for negative balances
    		 Interest CHF9.50% Interest EUR9.50%

    Student account (18 to 30)

    Balances
    		 Interest CHF
    		 Interest EUR
    BalancesBalance of up to CHF 25'000.– / EUR 15'000.–
    		 Interest CHF0.25%
    		 Interest EUR0.25%
    BalancesBalance from CHF 25'000.– / EUR 15'000.–
    		 Interest CHF0.00% Interest EUR0.00%
    BalancesDebit interest for negative balances
    		 Interest CHF9.50% Interest EUR9.50%

    Private account in foreign currency

    Foreign currency
    		 Interest
    Foreign currencyAustralian dollar (AUD)
    		 Interest0.00%
    Foreign currencyCanadian dollar (CAD)
    		 Interest0.00%
    Foreign currencyDanish krone (DKK)
    		 Interest0.00%
    Foreign currencyPound sterling (GBP)
    		 Interest0.00%
    Foreign currencyJapanese yen (JPY)
    		 Interest0.00%
    Foreign currencyNorwegian krone (NOK)
    		 Interest0.00%
    Foreign currencySwedish krone (SEK)
    		 Interest0.00%
    Foreign currencyUS dollar (USD)
    		 Interest0.00%

    PostFinance reserves the right to charge a fee on the credit balance if there are very high levels of customer assets on private and savings accounts. You can obtain the conditions from your customer advisor. This does not apply to accounts in the following currencies: AUD, CAD, GBP, NOK and USD (as at 01.02.2017).

  • Date of last interest rate change: 1 January 2017

    E-savings account

    Balances
    		 Interest CHF
    		 Interest EUR
    BalancesWith credit of up to CHF 250'000.– / EUR 200'000.–
    		 Interest CHF0.05%
    		 Interest EUR0.05%
    BalancesWith credit above CHF 250'000.– / EUR 200'000.–
    		 Interest CHF0.00%
    		 Interest EUR0.00%
    BalancesDebit interest for negative balances
    		 Interest CHF9.50% Interest EUR9.50%

    Savings account

    Balances
    		 Interest CHF
    		 Interest EUR
    BalancesWith credit of up to CHF 250'000.–  / EUR 200'000.–
    		 Interest CHF0.05%
    		 Interest EUR0.05%
    BalancesWith credit above CHF 250'000.– / EUR 200'000.–
    		 Interest CHF0.00%
    		 Interest EUR0.00%
    BalancesDebit interest for negative balances
    		 Interest CHF9.50% Interest EUR9.50%

    The assets apply to all savings and e-savings accounts managed under the same partner number.

    Youth savings account

    Balances
    		 Interest CHF
    		 Interest EUR
    BalancesWith credit of up to CHF 25'000.– / EUR 15'000.–
    		 Interest CHF0.55%
    		 Interest EUR0.55%
    BalancesWith credit above CHF 25'000.– / EUR 15'000.–
    		 Interest CHF0.05%
    		 Interest EUR0.05%
    BalancesDebit interest for negative balances
    		 Interest CHF9.50% Interest EUR9.50%

    Youth e-savings account

    Balances
    		 Interest CHF
    		 Interest EUR
    BalancesWith credit of up to CHF 25'000.– / EUR 15'000.–
    		 Interest CHF0.55%
    		 Interest EUR0.55%
    BalancesWith credit above CHF 25'000.– / EUR 15'000.–
    		 Interest CHF0.05%
    		 Interest EUR0.05%
    BalancesDebit interest for negative balances
    		 Interest CHF9.50% Interest EUR9.50%

    Gift account

    Balances
    		 Interest CHF
    		 Interest EUR
    BalancesWith credit of up to CHF 25'000.–
    		 Interest CHF0.55%
    		 Interest EURnot available
    BalancesWith credit of up to CHF 25'000.–
    		 Interest CHF0.05%
    		 Interest EURnot available
    BalancesDebit interest for negative balances
    		 Interest CHF9.50% Interest EURnot available

    PostFinance reserves the right to charge a fee on the credit balance if there are very high levels of customer assets on private and savings accounts. You can obtain the conditions from your customer advisor. This does not apply to accounts in the following currencies: AUD, CAD, GBP, NOK and USD (as at 01.02.2017).

  • Account
    		Interest
    AccountRetirement savings account 3a
    		 Interest0.30%
    AccountVested benefits account (Pillar 2)
    		 Interest0.05%

  • Mortgage interest rates valid as of 21.08.2017

    Fixed mortgage

    2 years
    		 1.05%
    3 years
    		 1.05%
    4 years
    		 1.10%
    5 years
    		 1.10%
    6 years
    		 1.10%
    7 years
    		 1.10%
    8 years
    		 1.20%
    9 years
    		 1.20%
    10 years
    		 1.25%

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

    CAPPED LIBOR mortgage

    Interest rate
    		 1.30%
    A maximum interest rate
    		 1.90%

    LIBOR mortgage

    Interest rate
    		 1.10%

For associations and business customers