Unsere Meinung zum Migros Bank Investment Savings Account
0.20% interest if you don't touch your money for a full year. Here's whether the discipline pays off.
The Migros Bank Investment Savings Account ranks #8 among Switzerland's 31 savings accounts. It rewards you with a bonus for staying hands-off, effectively doubling your rate if you make zero withdrawals. For a mainstream Swiss bank, the structure is surprisingly competitive.
Is the Interest Rate Competitive?
The base rate is 0.10%, standard for the Swiss market. But if you make no withdrawals during the year, you get an additional 0.10%, bringing the total to 0.20%. On CHF 100,000, that's CHF 200 per year, which is 4x what you'd earn at UBS or PostFinance.
Above CHF 100,000, the rate drops to 0% regardless. So the sweet spot is CHF 50,000 to CHF 100,000 with no withdrawals. Simple math, but it requires commitment.
What Actually Stands Out
The debit card linkage is clever. You can connect this savings account to your existing Migros Bank debit card, so you can make ATM withdrawals directly from savings if needed. Two cash withdrawals or purchases per year are free. That's a practical bridge between savings and liquidity.
Migros Bank is one of Switzerland's most trusted retail banks. No shareholder pressure to maximize profits means they tend to pass on decent rates. You can hold up to two investment savings accounts per customer.
What Most Reviews Miss
Age requirement: you must be at least 25. That cuts out younger savers who might benefit from the discipline incentive. The withdrawal limit is CHF 100,000 per year with a 3-month notice period, which is generous compared to most savings accounts.
The bonus interest structure means any withdrawal, even a small one, costs you the extra 0.10% on your entire balance. On CHF 100,000, that's CHF 100 lost for accessing CHF 500. Think twice before pulling money out mid-year.
The Bottom Line
For savers 25+ who can park CHF 50,000 to CHF 100,000 and not touch it for 12 months, this is a solid mainstream option. The debit card link adds a layer of practical flexibility. Compare it against alternatives in our best savings accounts in Switzerland ranking.
Verdict: Good mid-range choice from a trusted bank. The no-withdrawal bonus makes it worth the discipline.
Vorteile
- No annual fees
- No minimum deposit required
Nachteile
- Low interest rate
- Withdrawal limit of CHF 100,000 per year
- 3-month notice period for withdrawals
- Age restriction: For individuals from the age of 25.
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
Ab 25 Jahren
Bezugsbedingungen
Bezugsbedingungen
Abhebungslimit
CHF 100'000 / Jahr
Kündigungsfrist
3 Monat
Kontoauflösung
Kostenlos
Zusätzliche Informationen
Zusätzliche Informationen
- Not suitable for payment services
- Maximum 2 account(s) per customer
- Can be linked to your debit card
- 2 free withdrawals per year
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
Häufig gestellte Fragen
- How does the no-withdrawal bonus actually work?
- Touch nothing all year and you earn 0.1% base plus 0.1% loyalty bonus, 0.2% effective. Make a single withdrawal and the bonus evaporates for that year. Built for savers parking money they truly won't need; emergency funds don't fit.
- How much can I withdraw without penalty?
- CHF 25,000 per quarter without notice; higher amounts need 3 months' notice. Cumulative ceiling effectively CHF 100,000/yr. The structure is restrictive but matches the investment-savings positioning, where the bank wants stickier deposits.
- Why is there a minimum age of 25?
- The account is open from age 25, while younger customers go to Migros Bank's standard youth or student products. The age floor signals the product is built for adults with stable income parking longer-term savings, not first-job emergency funds.
- Can I link it to my debit card?
- Yes, link the investment savings to your existing Migros Bank debit card to withdraw cash at any branch ATM. Plus 2 free cash withdrawals or purchases per year built in. Convenient, but every tap counts toward the no-withdrawal bonus killer.
So haben wir dieses Konto bewertet
Sie fragen sich, warum Migros Bank Investment 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 Migros Bank Investment Savings Account und geniessen Sie seine Vorteile.