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.