La nostra opinione su Bank Cler Savings Account Plus
0.70% effective interest, but only if you follow the rules exactly. Here's what that means.
The Bank Cler Savings Account Plus ranks #5 among Switzerland's 31 savings accounts. It combines a modest base rate with a generous bonus, delivering up to 0.70% if you meet the conditions. It's a smart option for disciplined savers, but the bonus mechanics are more complex than they first appear.
Is the Interest Rate Competitive?
The base rate is just 0.10%, which is unremarkable. The real value comes from the 0.60% interest bonus, bringing the effective rate to 0.70%. In the first year, the bonus applies to your full balance up to CHF 250,000. That's competitive.
In subsequent years, the bonus only applies to the net increase in your balance during that calendar year, up to CHF 250,000. So if you deposited CHF 100,000 last year, only new money earns the bonus this year. Existing balances earn 0.10%.
What Actually Stands Out
The first-year deal is genuinely attractive. If you deposit CHF 100,000, you'll earn roughly CHF 700 in interest versus CHF 50 at a typical bank. That's meaningful money for simply parking cash. Bank Cler is backed by Basler Kantonalbank, so you get cantonal bank security.
The account has no management fees, and the 0.60% bonus is one of the highest ongoing bonuses in the Swiss savings market. Just keep in mind: it rewards saving discipline, not just having money.
What Most Reviews Miss
The bonus disappears if you withdraw more than CHF 20,000 in a year. Not just on the excess amount, on everything. One withdrawal over the limit and your entire bonus for the year is gone. You're back to 0.10% on all of it.
The withdrawal limit is CHF 50,000 per year with a 6-month notice period. Age requirement is 20+, which excludes younger savers. And the account isn't suitable for payments. Only one account per customer relationship.
The Bottom Line
The Bank Cler Savings Account Plus rewards discipline. If you can deposit regularly, withdraw rarely, and keep your annual withdrawals under CHF 20,000, you'll earn well above the market average. Explore other options in our best savings accounts in Switzerland ranking.
Verdict: One of the best bonus savings accounts in Switzerland for the first year. After that, only new money earns the premium rate.
Vantaggi
- No annual fees
- No minimum deposit required
Svantaggi
- Low interest rate
- Withdrawal limit of CHF 50,000 per year
- 6-month notice period for withdrawals
- Age restriction: For individuals from the age of 20.
Dettagli del conto
In breve
Gestione conto
Nessuna commissione
Tasso d'interesse
0.10%
Commissione carta di debito
—
Valuta
CHF
Commissioni e costi
Commissioni e costi
Commissione apertura conto
Nessuna commissione
Gestione conto
Nessuna commissione
Commissione carta di debito
—
Funzionalità bancarie
Funzionalità bancarie
Mobile Banking
Non disponibile
Online Banking
Non disponibile
Caratteristiche principali
- Free account management
- No annual fee for debit card
- High interest rate of 0.10%
- Low minimum deposit requirement
Requisito di età
Dai 20 anni
Termini di prelievo
Termini di prelievo
Limite di prelievo
CHF 50'000 / anno
Periodo di preavviso
6 mese
Chiusura conto
Contattare la banca per dettagli
Informazioni aggiuntive
Informazioni aggiuntive
- Not suitable for payment services
Calcola i tuoi guadagni da interessi
Scopri quanto il tuo deposito potrebbe fruttare con il tasso d'interesse del 0.10% di questo conto.
Dopo 1 anno
+CHF 50
Valore totale: CHF 50'050
Dopo 3 anni
+CHF 150
Valore totale: CHF 50'150
Dopo 5 anni
+CHF 251
Valore totale: CHF 50'251
Valutazione per categoria
Confronta con conti simili
Domande frequenti
- Why does the bonus rate behave differently after year one?
- Year 1: 0.7% on the entire balance. From year 2: 0.7% applies only to net new deposits, capped at +CHF 250,000, until year-end. Old money reverts to the 0.1% base. The product rewards new savers more than long-term parkers.
- What kills the bonus?
- Withdraw more than CHF 20,000 in a calendar year and the bonus disappears entirely for the period. Built for set-and-forget savers; don't treat it as flexible cash. A surprise dental bill that exceeds the limit nukes your interest.
- Will the Bank Cler Savings Plus cover a property down payment without notice?
- CHF 50,000 per year without notice; 6 months' notice for higher amounts. Fine for emergencies up to that level, restrictive for property deposits or big-ticket purchases. Plan large outflows half a year ahead or accept the bonus loss.
Come abbiamo valutato questo conto
Ti chiedi perché Bank Cler Savings Account Plus ha ottenuto questo punteggio? Valutiamo i conti Conti di risparmio con una formula ponderata. Ecco cosa conta.
Stessa formula per ogni conto di questa categoria. Senza eccezioni.
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