- Valid since 1 november 2024
- Private account in foreign currency: currently no interest
- Gift savings account
- Debit interest on negative balance: 9.50%
Current interest rates
Accounts for private customers
| Saving and retirement planning | Interest in CHF | Interest in EUR |
|---|---|---|
| Saving and retirement planning | Interest in CHF 0.30%
0.05% from CHF 50'000 credit |
Interest in EUR 0.30%
0.05% from EUR 50'000 credit |
| Saving and retirement planning Youth savings account (up to age 20) |
Interest in CHF 0.80%
0.30% from CHF 25'000 credit 0.05% from CHF 50'000 credit |
Interest in EUR 0.80%
0.30% from EUR 25'000 credit 0.05% from EUR 50'000 credit |
| Saving and retirement planning | Interest in CHF 0.60% |
Interest in EUR – |
| Saving and retirement planning | Interest in CHF 0.10% |
Interest in EUR – |
| Accounts for payments | Interest in CHF | Interest 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 |
Mortgages for private customers
| Mortgage | Term and interest p.a. |
|---|---|
| Mortgage | Term and interest p.a. 2 years: from 1.02% 5 years: from 1.12% 10 years: from 1.29% 15 years: from 1.38% |
| 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 13.12.2024
- 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.
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Payment transactions Interest in CHF Interest 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%
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Currencies offered: AUD / CAD / DKK / GBP / JPY / NOK / SEK / USD
Account Interest 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%
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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
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Find out more about fixed-term deposits
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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%Terms6 to 84 monthsLoan amountFrom CHF 1,000 to CHF 80,000