La nostra opinione su Raiffeisen Savings Account
0.025% interest. That's CHF 25 per year on CHF 100,000. Raiffeisen's baseline savings product.
The Raiffeisen Savings Account ranks #24 among Switzerland's 31 savings accounts. It's the non-member version of Raiffeisen's savings offering, available to anyone without requiring a cooperative share purchase. The rate is rock-bottom, but the no-notice-period access is a genuine perk.
Is the Interest Rate Competitive?
At 0.025% per year, this is the lowest positive rate among Swiss savings accounts. On CHF 100,000, you earn CHF 25 annually. To put that in context: the #1-ranked savings account pays CHF 1,000 on the same balance. That's a 40x difference.
The rate doesn't have published tiers, but it's a recommendation from Raiffeisen Switzerland. Individual branches may adjust. Even the member version (0.05%) is only marginally better. This is not a savings product you choose for returns.
What Actually Stands Out
No notice period for withdrawals. That's rare. Most Swiss savings accounts require 3 to 12 months notice. Here, you can access your CHF 10,000 monthly limit without waiting. For a savings account that doubles as a near-liquid reserve, this has practical value.
Raiffeisen has branches everywhere in Switzerland. The physical presence and personal banking relationship are the real products here. Free termination and no management fees keep costs at zero.
What Most Reviews Miss
Rates may vary between branches. The 0.025% is Raiffeisen's recommendation, not a binding rate. Your local cooperative could offer more or less. Always check with your specific branch.
Age restriction: 18 to 60 years old. Retirees are excluded, which is significant for a bank that positions itself as a lifetime banking partner. The CHF 10,000 monthly withdrawal limit is moderate. Not suitable for payment services.
The Bottom Line
This is a convenience product, not a savings product. The no-notice withdrawal access is genuinely useful for emergency reserves. But with a 0.025% rate, your money is effectively earning nothing. For actual savings growth, look elsewhere. Try our compare Swiss bank accounts side by side tool.
Verdict: Ultra-liquid parking spot with near-zero returns. Fine for reserves, not for growing savings.
Vantaggi
- No annual fees
- No minimum deposit required
Svantaggi
- Low interest rate
- Withdrawal limit of CHF 10,000 per month
- Age restriction: For individuals between 18 and 60 years of age.
Dettagli del conto
In breve
Gestione conto
Nessuna commissione
Tasso d'interesse
0.03%
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 0.03%
- Low minimum deposit requirement
Requisito di età
Da 18 a 60 anni
Termini di prelievo
Termini di prelievo
Limite di prelievo
CHF 10'000 / 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 0.03% di questo conto.
Dopo 1 anno
+CHF 13
Valore totale: CHF 50'013
Dopo 3 anni
+CHF 38
Valore totale: CHF 50'038
Dopo 5 anni
+CHF 63
Valore totale: CHF 50'063
Valutazione per categoria
Confronta con conti simili
Domande frequenti
- How does this compare to the Raiffeisen Member Savings?
- Standard: 0.025% flat rate, no share required. Member: 0.05% tier-1 rate, but you must buy a CHF 200 cooperative share. Member doubles your effective yield without the share certificate purchase being painful, since the share itself earns dividends. Standard wins only if you refuse the cooperative model.
- Why are eligibility ages 18 to 60?
- Open only to individuals aged 18 to 60. Younger customers go to youth accounts; older customers to retirement variants. The upper cap is unusual: most Swiss savings have no top age limit. Plan around it if you're approaching 60.
- How quickly can I access larger amounts?
- Up to CHF 10,000 per month without notice; just 1-month notice for higher. Shorter than the 3-month notice many peers impose. Useful if you'd rather not lock in for a quarter, even at the lower headline rate.
Come abbiamo valutato questo conto
Ti chiedi perché Raiffeisen Savings Account ha ottenuto questo punteggio? Valutiamo i conti Conti di risparmio con una formula ponderata. Ecco cosa conta.
Stessa formula per ogni conto di questa categoria. Senza eccezioni.
Pronto ad aprire?
Apri oggi il Raiffeisen Savings Account e inizia a goderti i suoi vantaggi.