Unsere Meinung zum Clientis Spar- und Leihkasse Thayngen Savings Account
A small Schaffhausen bank offering 0.10% with no minimum deposit. Regional banking at its most basic.
The Clientis Spar- und Leihkasse Thayngen Savings Account ranks #11 among Switzerland's 31 savings accounts. It's a standard savings product from a small regional bank in the Schaffhausen area. No bells, no whistles, just straightforward savings with a very localized banking relationship.
Is the Interest Rate Competitive?
At 0.10% per year on balances up to CHF 100,000, this is in line with the Swiss market average for standard savings accounts. Above CHF 100,000, the rate halves to 0.05%. On CHF 50,000, you earn CHF 50 annually. Nothing special.
The rate won't win any awards, but it's honest. No promotional tricks, no bonus conditions to satisfy. What you see is what you get. For a small regional bank, the simplicity is expected.
What Actually Stands Out
Honestly? Not much stands out compared to larger competitors. The appeal is purely about relationship banking. If you live in or near Thayngen and value having a local banker who knows your name, this is your kind of institution.
Clientis is a network of independent regional banks across Switzerland. Each operates independently, so the experience varies. Your deposits are covered by Swiss deposit insurance. The 0.05% rate above CHF 100,000 is still better than the 0% many major banks offer.
What Most Reviews Miss
Age restriction: 26 to 60 years old only. This eliminates younger savers and retirees alike, which is an unusual and fairly strict limitation. If you're 25 or 61, you simply can't open this account.
Withdrawal limit is CHF 20,000 per month with a 3-month notice period. That's monthly, not annual, so your effective annual access is up to CHF 240,000. Not suitable for payment services. No termination fees are specified, which is either good (free) or unclear.
The Bottom Line
This is a hyperlocal savings product for Schaffhausen-area residents aged 26 to 60 who prefer face-to-face banking. The rate is average, the features are minimal. For most people, there are better options. Explore them in our best savings accounts in Switzerland ranking.
Verdict: Only makes sense if you value a local banking relationship in the Thayngen area.
Vorteile
- No annual fees
- No minimum deposit required
Nachteile
- Low interest rate
- Withdrawal limit of CHF 20,000 per month
- 3-month notice period for withdrawals
- Age restriction: For individuals between 26 and 60 years of age.
Kontodetails
Auf einen Blick
Kontoführung
Keine Gebühr
Zinssatz
0.10%
Debitkarten-Gebühr
—
Währung
CHF
Gebühren & Kosten
Gebühren & Kosten
Kontoeröffnungsgebühr
Keine Gebühr
Kontoführung
Keine Gebühr
Debitkarten-Gebühr
—
Banking-Funktionen
Banking-Funktionen
Mobile Banking
Nicht verfügbar
Online Banking
Nicht verfügbar
Hauptmerkmale
- Free account management
- No annual fee for debit card
- High interest rate of 0.10%
- Low minimum deposit requirement
Mindestalter
Alter 26 bis 60
Bezugsbedingungen
Bezugsbedingungen
Abhebungslimit
CHF 20'000 / Monat
Kündigungsfrist
3 Monat
Kontoauflösung
Bitte Bank kontaktieren
Zusätzliche Informationen
Zusätzliche Informationen
- Not suitable for payment services
Berechnen Sie Ihre Zinserträge
Sehen Sie, wie viel Ihre Einlage mit dem Zinssatz von 0.10% dieses Kontos verdienen könnte.
Nach 1 Jahr
+CHF 50
Gesamtwert: CHF 50'050
Nach 3 Jahren
+CHF 150
Gesamtwert: CHF 50'150
Nach 5 Jahren
+CHF 251
Gesamtwert: CHF 50'251
Bewertung nach Kategorie
Mit ähnlichen Konten vergleichen
Clientis Spar- und Leihkasse Thayngen Savings Account
Clientis Spar- und Leihkasse Thayngen
Häufig gestellte Fragen
- Why are eligibility ages 26 to 60?
- Open only to individuals aged 26 to 60. Younger customers go to youth accounts; over-60s to retirement-oriented products. Restrictive bracket: most Swiss savings have no upper age cap. Plan around the boundaries if you're near them.
- What's the early-exit cost on Clientis Thayngen savings?
- CHF 15 termination fee. Most Swiss savings waive closure, so factor it into the math if you might move balances. On a CHF 50,000 balance, the CHF 15 isn't material; on CHF 1,000, it stings.
- How big a single-month withdrawal can I make from Clientis Thayngen savings?
- CHF 20,000 per month without notice; 3 months' notice for higher. Generous monthly cap, useful for renovation savings or large recurring outflows. CHF 240,000/yr realistically accessible without invoking the notice clock.
So haben wir dieses Konto bewertet
Sie fragen sich, warum Clientis Spar- und Leihkasse Thayngen Savings Account diese Bewertung erhalten hat? Wir bewerten Sparkonten-Konten mit einer gewichteten Formel. So setzt sich die Note zusammen.
Dieselbe Formel für jedes Konto in dieser Kategorie. Ohne Ausnahme.
Bereit zur Kontoeröffnung?
Eröffnen Sie noch heute das Clientis Spar- und Leihkasse Thayngen Savings Account und geniessen Sie seine Vorteile.