Bank WIR Savings Account plus
Bank WIR
Overall Rating
Account Mgmt
No fee
Interest Rate
0.75%
Currency
CHF
Our Take on Bank WIR Savings Account plus
0.75% until 30 September 2026, but you can no longer open it.
Bank WIR closed the Savings Account plus to new customers on 14 July 2026, so this review is for existing holders and for anyone who came looking for the rate. The guaranteed 0.75% runs until 30 September 2026, after which balances convert automatically to Bank WIR's loyalty savings account.
Is the Interest Rate Competitive?
While it lasted, 0.75% per year was far above the Swiss market average, where most major banks pay 0.05% on standard savings. On CHF 100,000 that is CHF 750 a year against CHF 50 elsewhere.
The rate applies on balances up to CHF 250,000, with 0.05% above that, and it is guaranteed only until 30.09.2026. After that date the account becomes the loyalty savings account, which pays the loyalty rate and doubles the covered ceiling to CHF 500,000.
What Happens to Your Money Now
Nothing you have to action immediately. The conversion to the loyalty savings account is automatic, so your balance is not at risk and no deadline forces you to move it. What changes is the rate, and Bank WIR sets the loyalty rate at its own discretion.
Deposits stay covered by the Swiss esisuisse guarantee up to CHF 100,000, and there are still no account management fees. The CHF 15 termination fee applies if you close the account.
What Most Reviews Miss
Withdrawal limit of CHF 20,000 per calendar year with 180 days' notice above it. That constraint does not disappear when the promotional rate does, so if you plan to move the money after 30 September, work out the notice before you need the cash.
Also worth knowing: one account per customer, and the account is available as a joint account.
The Bottom Line
If you already hold this account, there is no emergency: check the loyalty rate after 30 September 2026 and decide then. If you came here to open it, you cannot, and the closest replacement is Cembra's Sparkonto Plus at 0.60%, which is open to anyone resident in Switzerland with no maximum balance. Our best savings accounts in Switzerland comparison has the current ranking.
Verdict: A good account while it was open. Existing holders should reassess once the guarantee expires.
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: From age 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
Frequently Asked Questions
- Can I still open the Bank WIR Savings Account plus?
- No. The offer ended and the account could only be opened until 14 July 2026. If you want the highest rate currently open to anyone in Switzerland, Cembra's Sparkonto Plus pays 0.60% with no maximum balance.
- What happens to my balance after 30 September 2026?
- It converts automatically to Bank WIR's loyalty savings account. You do not need to do anything, and the covered ceiling doubles from CHF 250,000 to CHF 500,000. The rate becomes the loyalty rate, which Bank WIR sets at its discretion, so compare it against the market when the switch happens.
- What happens to balances above CHF 250,000?
- Anything above CHF 250,000 earns 0.05%, not 0.75%, even during the guaranteed period. Only the first quarter-million catches the headline rate.
- Is the CHF 20,000 free-withdrawal cap annual or per event?
- CHF 20,000 per calendar year without notice; above that, 180 days' notice. Plan large outflows two seasons ahead, especially if you intend to move the money once the guarantee expires.
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.