La nostra opinione su Migros Bank Bonus Savings Account
0.20% for one year, then the bonus vanishes. Migros Bank's time-limited savings play.
The Migros Bank Bonus Savings Account ranks #25 among Switzerland's 31 savings accounts. It offers a promotional 0.20% rate for the first year after your initial deposit, then reverts to the standard investment savings terms. Think of it as a welcome bonus, not a permanent rate.
Is the Interest Rate Competitive?
At 0.20% per year for the first year, this is 4x the UBS or PostFinance rate. On CHF 100,000, you earn CHF 200 in that first year. Above CHF 1,500,000, no interest applies. After year one, you're moved to the investment savings conditions (currently 0.10% base + potential bonus).
The promotional nature matters. If you're parking money for exactly one year before moving it, the 0.20% is attractive. If you're looking for ongoing returns, this isn't the right product.
What Actually Stands Out
No withdrawals allowed during the first 3 months. After that, a 3-month notice period applies. The forced savings period ensures you actually let the bonus interest accrue. For people who struggle with savings discipline, this constraint can be helpful.
Migros Bank limits circumvention attempts: credit transfers from other Migros Bank accounts aren't permitted. Only external deposits qualify. One bonus savings account per month per customer, preventing rapid account cycling.
What Most Reviews Miss
The 0.20% only applies to the first year from your first deposit. After that, you automatically transition to the investment savings account conditions. If those conditions are less favorable when you transition, you have no say.
Payments can only be made by bank transfer. No withdrawal limits or caps are specified beyond the 3-month blackout and subsequent notice period. No debit card access. Maximum one bonus account per month keeps you from gaming the system.
The Bottom Line
A decent one-year promotional rate from a trusted Swiss bank, but it's not a permanent solution. Best used as a temporary parking spot while you figure out your longer-term savings strategy. Explore permanent options in our best savings accounts in Switzerland comparison.
Verdict: Good for a one-year savings commitment. After that, shop around again.
Vantaggi
- No annual fees
- No minimum deposit required
Svantaggi
- Low interest rate
- 3-month notice period for withdrawals
- Age restriction: For individuals from the age of 18.
Dettagli del conto
In breve
Gestione conto
Nessuna commissione
Tasso d'interesse
0.20%
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 0.20%
- Low minimum deposit requirement
Requisito di età
Dai 18 anni
Termini di prelievo
Termini di prelievo
Periodo di preavviso
3 mese
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 0.20% di questo conto.
Dopo 1 anno
+CHF 100
Valore totale: CHF 50'100
Dopo 3 anni
+CHF 301
Valore totale: CHF 50'301
Dopo 5 anni
+CHF 502
Valore totale: CHF 50'502
Valutazione per categoria
Confronta con conti simili
Domande frequenti
- What happens to the bonus rate after year one?
- Year 1: 0.2%. From year 2: standard investment-savings conditions apply (currently around 0.1%). Plan the rebalance: if your money will sit beyond 12 months, the effective yield averages out. Many savers move balances elsewhere when the bonus expires.
- Why can't I transfer in from my other Migros Bank accounts?
- Credit transfers from other Migros Bank accounts aren't permitted. New money only, from outside Migros. The clause prevents you from gaming the bonus by shuffling existing balances. Send fresh deposits from a different bank to qualify.
- How does the 3-month notice apply?
- All withdrawals require 3 months' notice; no notice-free amount, even small. Built for genuinely untouchable savings. A CHF 500 emergency means waiting a quarter or paying penalty interest. Treat as fixed-horizon, not flexible cash.
- Is there a balance ceiling?
- 0% interest on amounts above CHF 1,500,000. Plenty of headroom for nearly all retail savers. The ceiling exists to deflect institutional money chasing the bonus rate; ordinary households won't hit it.
Come abbiamo valutato questo conto
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