Current interest rates

Accounts for private customers

Saving and retirement planningInterest in CHFInterest in EUR
Saving and retirement planning Interest in CHF

0.50%

 

0.20% from CHF 50'000 credit

Interest in EUR

0.50%

 

0.20% from EUR 50'000 credit

Saving and retirement planning
Youth savings account (up to age 20)
Interest in CHF

0.80%

 

0.50% from CHF 25'000 credit

0.20% from CHF 50'000 credit

Interest in EUR

0.80%

 

0.50% from EUR 25'000 credit

0.20% from EUR 50'000 credit

Saving and retirement planning Interest in CHF
0.80%
Interest in EUR
Saving and retirement planning Interest in CHF
0.30%
Interest in EUR

Accounts for paymentsInterest in CHFInterest in EUR
Accounts for payments 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

  • Valid since 1 August 2024
  • Private account in foreign currency: currently no interest
  • Gift savings account 
  • Debit interest on negative balance: 9.50%

Mortgages for private customers

MortgageTerm and interest p.a.
Mortgage Term and interest p.a.

2 years: from 1.35%

5 years: from 1.44%

10 years: from 1.57%

15 years: from 1.67%

Mortgage Term and interest p.a.

3 years

Compounded SARON® 3 months+ from 0.79% margin 

  • Mortgage interest rates for new business valid as of 04.10.2024
  • 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 transactionsInterest in CHFInterest in EUR
    Payment transactions Interest in CHF
    0.00%
    Interest in EUR
    0.00%
    Payment transactions 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

    AccountInterest for all currencies
    Account Interest for all currencies
    0.00%
    Account Interest for all currencies
    0.00%
    • Valid since 1 June 2018
    • Debit interest on negative balance USD / JPY / GBP: 5.00%
    • Debit interest on negative balance SEK / NOK / DKK / AUD / CAD: 7.00%
  • Medium-term note conditions

    • 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 

    Find out more about medium-term notes

  • Find out more about fixed-term deposits

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

    Interest rate of min.
    4.90%
    Interest rate of max.
    8.90%
    Terms
    6 to 84 months
    Loan amount
    From CHF 1,000 to CHF 80,000