La nostra opinione su Ersparniskasse Schaffhausen Investment Savings Account
Same 0.10% rate as their standard account, but with a 6-month notice period. What's the point?
The Ersparniskasse Schaffhausen Investment Savings Account ranks #17 among Switzerland's 31 savings accounts. It's the premium-tier product from this traditional Schaffhausen bank, but with the same base rate as their standard offering. The difference lies in the withdrawal structure.
Is the Interest Rate Competitive?
At 0.10% per year, the rate is identical to the standard Ersparniskasse savings account. On CHF 100,000, you earn CHF 100 annually. There's no apparent premium for accepting the longer 6-month notice period. That's unusual.
Most banks offer higher rates on investment savings accounts to compensate for reduced liquidity. Here, you're getting the same rate with stricter conditions. The value proposition is puzzling unless there are unpublished bonus conditions.
What Actually Stands Out
No age restriction, which is a clear advantage over the standard account (limited to 26-60). If you're a retiree or younger saver in the Schaffhausen area, this might be your only option at this bank. That makes it the more inclusive product.
The CHF 50,000 annual withdrawal limit is more generous in absolute terms than the standard account's monthly cap when annualized differently. Your deposits at Ersparniskasse Schaffhausen are covered by Swiss deposit insurance.
What Most Reviews Miss
The 6-month notice period doubles the standard account's 3 months, but the rate stays the same. You're accepting less flexibility for no additional return. This only makes sense if you're ineligible for the standard account due to age restrictions.
Not suitable for payment services. The withdrawal limit of CHF 50,000 per year with 6-month notice means you need to plan well ahead. No termination details specified. No account management fees, at least.
The Bottom Line
Unless you're outside the 26-60 age range and need an Ersparniskasse account, the standard savings account is the better choice. Same rate, shorter notice period, more flexibility. Compare both against the broader market in our best savings accounts in Switzerland guide.
Verdict: Only choose this over the standard account if age restrictions force you to. Otherwise, the standard product wins.
Vantaggi
- No annual fees
- No minimum deposit required
Svantaggi
- Low interest rate
- Withdrawal limit of CHF 50,000 per year
- 6-month notice period for withdrawals
- Age restriction: There are no limitations.
Dettagli del conto
In breve
Gestione conto
Nessuna commissione
Tasso d'interesse
0.10%
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 0.10%
- Low minimum deposit requirement
Requisito di età
Nessuna restrizione di età
Termini di prelievo
Termini di prelievo
Limite di prelievo
CHF 50'000 / anno
Periodo di preavviso
6 mese
Chiusura conto
Contattare la banca per dettagli
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 0.10% di questo conto.
Dopo 1 anno
+CHF 50
Valore totale: CHF 50'050
Dopo 3 anni
+CHF 150
Valore totale: CHF 50'150
Dopo 5 anni
+CHF 251
Valore totale: CHF 50'251
Valutazione per categoria
Confronta con conti simili
Domande frequenti
- How does the investment-savings differ from Ersparniskasse's standard savings?
- Investment-savings has no age limit (vs 26 to 60 on standard), pays the same 0.1%, but caps free withdrawals at CHF 50,000/year with a 6-month notice instead of CHF 20,000/month with 3-month notice. Standard fits monthly outflows; investment-savings fits long-term parking.
- What does termination cost?
- CHF 25 termination fee, same as the standard sibling. Most Swiss savings waive closure, so plan around it if you might switch banks. Annoying on small balances, immaterial on five figures.
- Why does the Investment Savings variant require 6 months' notice above CHF 50,000?
- CHF 50,000 per year without notice; 6 months' notice for higher. Tight for renovation budgets above the cap. The structure rewards stickier deposits, which is why the bank lifts the age cap and asks for longer notice.
Come abbiamo valutato questo conto
Ti chiedi perché Ersparniskasse Schaffhausen Investment Savings Account ha ottenuto questo punteggio? Valutiamo i conti Conti di risparmio con una formula ponderata. Ecco cosa conta.
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