Notre avis sur CEA Compte Epargne Plus
1% interest on savings. In Switzerland. That's 20x what most major banks offer.
The CEA Compte Epargne Plus ranks #1 among Switzerland's 31 savings accounts. It's offered by the Caisse d'Epargne d'Aubonne, a small regional bank in the Canton of Vaud. The rate is exceptional, but the trade-offs are specific. Here's whether it makes sense for you.
Is the Interest Rate Competitive?
At 1.00% per year, this is the highest savings rate we've found among Swiss bank accounts. Most major banks (UBS, Credit Suisse, ZKB) offer 0.05-0.10%. On CHF 50,000, that's CHF 500 per year versus CHF 25-50 elsewhere. The gap is massive.
No account management fees either. The rate is straightforward with no tiered structure that drops after a certain balance. What you see is what you get, which is refreshingly simple for a savings product.
What Actually Stands Out
The simplicity of the rate structure is the real differentiator. No bonus conditions, no promotional period with an expiration date, no tier that drops to 0% above CHF 100,000. Just 1% on your savings. That's rare in Switzerland.
The account is also available to both private individuals and companies. If you're self-employed or running a small business, this can serve as your business savings vehicle too. Your deposits are protected by Swiss deposit insurance (esisuisse) up to CHF 100,000.
What Most Reviews Miss
Withdrawal limit of CHF 10,000 per year. This is tight. If you're saving CHF 100,000 and suddenly need CHF 30,000 for a car or renovation, you can only access CHF 10,000 annually without special arrangements. Plan your liquidity carefully.
The Caisse d'Epargne d'Aubonne is a small regional bank. Not suitable for payment services, so this is purely a savings vehicle, not a transactional account. No mobile banking, no online banking, no debit card. You park money here and let it grow. That's it.
The Bottom Line
If you have savings you won't touch for a while and want the best rate in Switzerland, this account delivers. The CHF 10,000 annual withdrawal limit means this is for patient, long-term savers only. Not for emergency funds. See how it compares in our best savings accounts in Switzerland guide.
Verdict: Best savings rate in Switzerland for money you can lock away. Keep liquid funds elsewhere.
Avantages
- High interest rate of 1.00%
- No annual fees
- No minimum deposit required
Inconvénients
- Withdrawal limit of CHF 10,000 per year
- Age restriction: For individuals from the age of 18.
Détails du compte
En un coup d'œil
Gestion de compte
Sans frais
Taux d’intérêt
1.00%
Frais de carte de débit
—
Devise
CHF
Frais et coûts
Frais et coûts
Frais d’ouverture de compte
Sans frais
Gestion de compte
Sans frais
Frais de carte de débit
—
Fonctionnalités bancaires
Fonctionnalités bancaires
Banque mobile
Non disponible
Banque en ligne
Non disponible
Caractéristiques principales
- Free account management
- No annual fee for debit card
- High interest rate of 1.00%
- Low minimum deposit requirement
Âge minimum requis
Dès 18 ans
Conditions de retrait
Conditions de retrait
Limite de retrait
CHF 10'000 / an
Clôture de compte
Gratuit
Informations supplémentaires
Informations supplémentaires
- Not suitable for payment services
Calculez vos revenus d'intérêts
Découvrez combien votre dépôt pourrait rapporter avec le taux d'intérêt de 1.00% de ce compte.
Après 1 an
+CHF 500
Valeur totale: CHF 50'500
Après 3 ans
+CHF 1'515
Valeur totale: CHF 51'515
Après 5 ans
+CHF 2'551
Valeur totale: CHF 52'551
Évaluation par catégorie
Comparer à des comptes similaires
Questions fréquemment posées
- How much interest does CEA Compte Epargne Plus pay?
- 1% per year, well above the Swiss savings-account average. That's one of the more competitive rates from a small regional Caisse d'Epargne. The tradeoff is the strict withdrawal cap, so don't park money you'll need on short notice here.
- What's the annual withdrawal limit?
- CHF 10,000 per year without notice. Anything above that requires 12 months of advance notice. Saving for a 2027 kitchen renovation? Fine. Need a buffer for an emergency car repair? Wrong account. Run a separate cushion in a regular savings account.
- Can a business open the CEA Compte Epargne Plus?
- Yes, both private individuals and corporates can open it. There's no payment functionality though, so it's purely a parking spot for excess working capital, not your operating account. Pair it with a current account for invoicing and direct debits.
Comment nous avons noté ce compte
Vous vous demandez pourquoi CEA Compte Epargne Plus a obtenu cette note ? Nous évaluons les comptes Comptes d’épargne selon une formule pondérée. Voici ce qui compte.
La même formule pour chaque compte de cette catégorie. Sans exception.
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