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.