La nostra opinione su 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.
Vantaggi
- No annual fees
- No minimum deposit required
Svantaggi
- Low interest rate
- Age restriction: There are no limitations.
Dettagli del conto
In breve
Gestione conto
Nessuna commissione
Tasso d'interesse
0.30%
Commissione carta di debito
—
Valuta
CHF
Commissioni e costi
Commissioni e costi
Commissione apertura conto
Nessuna commissione
Gestione conto
Nessuna commissione
Commissione carta di debito
—
Funzionalità bancarie
Funzionalità bancarie
Mobile Banking
Non disponibile
Online Banking
Non disponibile
Caratteristiche principali
- Free account management
- No annual fee for debit card
- High interest rate of 0.30%
- Low minimum deposit requirement
Requisito di età
Nessuna restrizione di età
Termini di prelievo
Termini di prelievo
Chiusura conto
Gratuito
Informazioni aggiuntive
Informazioni aggiuntive
- Not suitable for payment services
Calcola i tuoi guadagni da interessi
Scopri quanto il tuo deposito potrebbe fruttare con il tasso d'interesse del 0.30% di questo conto.
Dopo 1 anno
+CHF 150
Valore totale: CHF 50'150
Dopo 3 anni
+CHF 451
Valore totale: CHF 50'451
Dopo 5 anni
+CHF 755
Valore totale: CHF 50'755
Valutazione per categoria
Confronta con conti simili
Domande frequenti
- 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.
Come abbiamo valutato questo conto
Ti chiedi perché CEA Compte Epargne Nominatif ha ottenuto questo punteggio? Valutiamo i conti Conti di risparmio con una formula ponderata. Ecco cosa conta.
Stessa formula per ogni conto di questa categoria. Senza eccezioni.
Pronto ad aprire?
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