La nostra opinione su Save Easy CHF
Swissquote's savings account lets you hold 6 currencies. The interest rate? Not as exciting.
The Save Easy CHF ranks #7 among Switzerland's 31 savings accounts. Offered by Swissquote, it combines savings with multi-currency capability. The interest rate is modest at 0.10%, but the real draw is the flexibility of holding six different currencies in one account.
Is the Interest Rate Competitive?
At 0.10% per year on balances up to CHF 100,000, this is roughly double what UBS offers but well below top performers like CEA or Bank WIR. On CHF 50,000, you're earning CHF 50 per year. Above CHF 100,000, the rate drops to 0%.
The rate alone doesn't justify choosing this account. You'd earn CHF 250 more per year at the #1-ranked account on the same CHF 50,000. The value here lies elsewhere.
What Actually Stands Out
Six currencies in one account: CHF, EUR, USD, GBP, AED, and ZAR. That's rare for a savings product. If you hold foreign currencies from work, travel, or investments, you can consolidate them here without converting. Few Swiss banks offer this on a savings account.
Swissquote is a publicly listed Swiss online bank. Your deposits are FINMA-regulated and covered by Swiss deposit insurance. The minimum deposit is just CHF 1, so the barrier to entry is essentially zero.
What Most Reviews Miss
The withdrawal limit is CHF 25,000 per month with a 3-month notice period. That's monthly, not annual, giving you up to CHF 300,000 in annual access. That's one of the most flexible structures among Swiss savings accounts.
However, this account isn't suitable for payment services. It's purely a savings vehicle. Only one account per customer. And the 0.10% rate is only for CHF. Interest rates on other currencies may differ and aren't prominently advertised.
The Bottom Line
The Save Easy CHF isn't about chasing the best interest rate. It's about having a regulated Swiss savings account that holds multiple currencies with decent withdrawal flexibility. If you're a Swissquote user already, it's convenient. See how it compares in our best savings accounts in Switzerland ranking.
Verdict: Best for multi-currency savers who prioritize flexibility over maximizing interest.
Vantaggi
- No annual fees
Svantaggi
- Low interest rate
- Withdrawal limit of CHF 25,000 per month
- 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
0.10%
Commissione carta di debito
—
Valuta
CHF
Deposito minimo
CHF 1
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%
Requisito di età
Dai 18 anni
Termini di prelievo
Termini di prelievo
Limite di prelievo
CHF 25'000 / mese
Periodo di preavviso
3 mese
Chiusura conto
Gratuito
Informazioni aggiuntive
Informazioni aggiuntive
- Maximum 1 account(s) per customer
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
- Six currencies in one savings account, really?
- CHF, EUR, USD, GBP, AED, and ZAR all sit in a single Save Easy account. Unusual mix: most multi-currency Swiss savings stop at four. Useful if you have UAE income, South African ties, or want to park dollars without opening a separate USD account.
- How small can the minimum deposit be?
- CHF 1 to open, basically symbolic. The bar is lower than nearly any peer, so you can test the platform before committing real money. Don't read it as Swissquote courting tiny balances; the structure rewards larger amounts via the 0.1% tier.
- Can I have more than one Save Easy account?
- One per customer, full stop. If you wanted to ringfence renovation savings from emergency funds inside Swissquote, you can't do it via Save Easy multiples. Use the multi-currency split inside the single account or look at separate sub-accounts elsewhere.
Come abbiamo valutato questo conto
Ti chiedi perché Save Easy CHF 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.
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