Bank WIR Savings Account plus

0.75% on your savings. That's 15x what most Swiss banks offer right now.

The Bank WIR Savings Account Plus ranks #2 among Switzerland's 31 savings accounts. It offers one of the highest interest rates available, but the conditions are specific. This is a play for savers who can commit to keeping their money parked for a while.

Is the Interest Rate Competitive?

At 0.75% per year, this is significantly above the Swiss market average. Most major banks offer 0.05% on standard savings. On CHF 100,000, that's CHF 750 per year versus CHF 50 elsewhere. The difference compounds over time.

But there's a catch. The 0.75% rate applies only until 30.09.2026 and only on balances up to CHF 250,000. Above that, you drop to 0.05%. After the promotional period, you'll get the standard loyalty savings rate, which is typically lower.

What Actually Stands Out

The rate itself is the feature. In a country where negative interest rates were the norm until recently, 0.75% is genuinely competitive. Bank WIR has a long history as a cooperative bank, and your deposits are covered by Swiss deposit insurance up to CHF 100,000.

The account is also available as a joint account, which is useful for couples pooling savings together. No account management fees either, so the rate you see is the rate you keep.

What Most Reviews Miss

Withdrawal limit of CHF 20,000 per year with a 6-month notice period. This isn't a flexible savings account. If you need access to your money quickly, you'll face penalties or delays. Plan ahead.

The termination fee is CHF 15, which is minor but worth knowing. Also, there's a maximum of one account per customer. And the 0.75% rate is explicitly promotional, guaranteed only until September 2026. After that, you're at Bank WIR's discretion.

The Bottom Line

If you can park CHF 20,000 to CHF 250,000 for at least a year without touching it, this is one of the best savings rates in Switzerland right now. Just understand the promotional nature of the rate. For the full picture, see our best savings accounts in Switzerland comparison.

Verdict: Great rate for patient savers. Not for emergency funds or money you might need quickly.