Our Take on 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.
Pros
- High interest rate of 0.75%
- No annual fees
- No minimum deposit required
Cons
- Withdrawal limit of CHF 20,000 per year
- 6-month notice period for withdrawals
- Age restriction: For individuals from the age of 18.
Account Details
At a Glance
Account Mgmt
No fee
Interest Rate
0.75%
Debit Card Fee
—
Currency
CHF
Minimum Deposit
CHF 0
Fees & Costs
Fees & Costs
Account Opening Fee
No fee
Account Mgmt
No fee
Debit Card Fee
—
Banking Features
Banking Features
Mobile Banking
Not available
Online Banking
Not available
Key Features
- Free account management
- No annual fee for debit card
- High interest rate of 0.75%
- Low minimum deposit requirement
Age Requirement
From age 18
Withdrawal Terms
Withdrawal Terms
Withdrawal Limit
CHF 20'000 / year
Notice Period
6 month
Account Closure
CHF 15.00 fee
Calculate Your Interest Earnings
See how much your deposit could earn with this account's 0.75% interest rate.
After 1 year
+CHF 375
Total Value: CHF 50'375
After 3 years
+CHF 1'133
Total Value: CHF 51'133
After 5 years
+CHF 1'903
Total Value: CHF 51'903
Rating by Category
Compare to Similar Accounts
Frequently Asked Questions
- Why is the 0.75% rate only valid until September 2026?
- It's a new-money promo: 0.75% until 30.09.2026, then loyalty-savings conditions kick in (currently below market average). Plan around the cliff. If your money will sit beyond October 2026, you'll likely want to revisit the comparison then.
- What happens to balances above CHF 250,000?
- Anything above CHF 250,000 earns 0.05%, not 0.75%, even during the bonus period. Don't park your full CHF 400,000 here expecting the headline rate; only the first quarter-million catches it.
- Is there a fee for exiting the Bank WIR Savings Plus?
- CHF 15 termination fee. Most Swiss savings accounts waive closure entirely, so factor it in if you might move balances after the bonus period ends. Annoying but not a deal-breaker on a CHF 250,000 balance.
- Is the CHF 20,000 free-withdrawal cap annual or per event?
- CHF 20,000 per calendar year without notice; above that, 6 months' notice. Tight if you're using this as flexible savings for renovations, large purchases, or property deposits. Plan large outflows two seasons ahead.
How We Rated This Account
Wondering why Bank WIR Savings Account plus got its score? We rate Savings Accounts accounts using a weighted formula. Here's what counts.
Same formula for every account in this category. No exceptions.
Ready to Open?
Open the Bank WIR Savings Account plus today and start enjoying its benefits.