Our Take on CEA Compte Epargne Nominatif
0.30% with no withdrawal restrictions mentioned. From the same tiny bank with the #1 savings account.
The CEA Compte Epargne Nominatif ranks #13 among Switzerland's 31 savings accounts. It's the more accessible sibling of CEA's top-ranked Compte Epargne Plus, offered by the same Caisse d'Epargne d'Aubonne. The rate is lower at 0.30%, but the conditions appear simpler.
Is the Interest Rate Competitive?
At 0.30% per year, this is roughly 6x what UBS or PostFinance offer and still solidly above average for the Swiss market. On CHF 100,000, you're earning CHF 300 per year. The rate structure is simple with no tiers mentioned.
Compared to CEA's own Compte Epargne Plus (#1 at 1.00%) or Placement (#3 at 0.50%), this is the entry-level option. But entry-level at CEA still beats premium at most big banks. That says something about the Swiss savings landscape.
What Actually Stands Out
No age restriction. Unlike the Compte Epargne Placement (capped at 60) and most other savings accounts, this one is open to everyone. No minimum deposit is specified either. That makes it the most accessible CEA savings product.
Available to both private individuals and companies, like the other CEA accounts. Your deposits at Caisse d'Epargne d'Aubonne are protected by Swiss deposit insurance up to CHF 100,000. Free termination keeps exit costs at zero.
What Most Reviews Miss
No withdrawal limits or notice periods are specified in the data. That's either genuinely flexible or simply not prominently disclosed. Before opening, confirm the exact withdrawal terms directly with the bank. Small regional banks sometimes handle these case by case.
Not suitable for payment services. No mobile banking, no online banking. Like all CEA accounts, you're dealing with a small regional bank in Aubonne. If you don't live nearby, managing this account requires phone calls or mail.
The Bottom Line
The CEA Nominatif is the most accessible product from a bank that consistently ranks among Switzerland's best for savings rates. At 0.30% with no apparent withdrawal restrictions and no age limit, it's worth considering. See how it compares in our best savings accounts in Switzerland guide.
Verdict: Solid rate from a proven regional bank. Verify withdrawal terms directly before committing.
Pros
- No annual fees
- No minimum deposit required
Cons
- Low interest rate
- Age restriction: There are no limitations.
Account Details
At a Glance
Account Mgmt
No fee
Interest Rate
0.30%
Debit Card Fee
—
Currency
CHF
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 0.30%
- Low minimum deposit requirement
Age Requirement
No age restrictions
Withdrawal Terms
Withdrawal Terms
Account Closure
Free of charge
Additional Information
Additional Information
- Not suitable for payment services
Calculate Your Interest Earnings
See how much your deposit could earn with this account's 0.30% interest rate.
After 1 year
+CHF 150
Total Value: CHF 50'150
After 3 years
+CHF 451
Total Value: CHF 50'451
After 5 years
+CHF 755
Total Value: CHF 50'755
Rating by Category
Compare to Similar Accounts
Frequently Asked Questions
- How does this compare to CEA's Compte Epargne Placement?
- Nominatif: 0.3% rate, no minimum deposit, no age cap, CHF 30,000/quarter withdrawal. Placement: 0.5% rate but CHF 5,000 minimum and age 60 cap, CHF 20,000/year. Nominatif suits flexible smaller savers; Placement rewards committed adults with bigger balances. Pick by access pattern, not just rate.
- How often can I draw on the Compte Épargne Nominatif before notice kicks in?
- CHF 30,000 per quarter without notice; 3 months' notice for higher (effectively CHF 120,000/yr accessible). Generous compared to many regional savings products. Renovation budgets and tax bills usually fit inside the cap.
- Can businesses open this account?
- Yes, available to private individuals and corporate customers. Rare in Swiss savings: most products are individual-only. Useful for small Vaud businesses or self-employed professionals consolidating personal and business cash at one regional bank.
How We Rated This Account
Wondering why CEA Compte Epargne Nominatif 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 CEA Compte Epargne Nominatif today and start enjoying its benefits.