Unsere Meinung zum 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.
Vorteile
- No annual fees
- No minimum deposit required
Nachteile
- Low interest rate
- 3-month notice period for withdrawals
- Age restriction: For individuals from the age of 18.
Kontodetails
Auf einen Blick
Kontoführung
Keine Gebühr
Zinssatz
0.20%
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 0.20%
- Low minimum deposit requirement
Mindestalter
Ab 18 Jahren
Bezugsbedingungen
Bezugsbedingungen
Kündigungsfrist
3 Monat
Kontoauflösung
Kostenlos
Zusätzliche Informationen
Zusätzliche Informationen
- Not suitable for payment services
Berechnen Sie Ihre Zinserträge
Sehen Sie, wie viel Ihre Einlage mit dem Zinssatz von 0.20% dieses Kontos verdienen könnte.
Nach 1 Jahr
+CHF 100
Gesamtwert: CHF 50'100
Nach 3 Jahren
+CHF 301
Gesamtwert: CHF 50'301
Nach 5 Jahren
+CHF 502
Gesamtwert: CHF 50'502
Bewertung nach Kategorie
Mit ähnlichen Konten vergleichen
Häufig gestellte Fragen
- 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.
So haben wir dieses Konto bewertet
Sie fragen sich, warum Migros Bank Bonus 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.
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