Swiss Savings Accounts

Compare interest rates, deposit terms, and withdrawal flexibility from Swiss savings accounts.

Interest Rates

Swiss savings accounts currently offer interest rates ranging from 0.25% to over 1.5%, depending on the provider and deposit amount.

Deposit Protection

Deposits up to CHF 100,000 per bank are protected by the Swiss deposit guarantee scheme (esisuisse).

Withdrawal Flexibility

Most savings accounts allow withdrawals without notice up to a certain amount per month. Larger withdrawals may require 3 to 6 months notice.

Bonus Interest Tiers

Some banks offer bonus interest for regular deposits or higher balances. Compare tier structures to maximize your returns.

Top Savings Accounts in Switzerland

CEA Compte Epargne Plus

CEA Compte Epargne Plus

Caisse d’Epargne d’Aubonne
Interest Rate:1.00%
Debit Card Fee:—
5.0/5
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#2
Bank WIR Savings Account plus

Bank WIR Savings Account plus

Bank WIR
Interest Rate:0.75%
Debit Card Fee:—
5.0/5
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#3
CEA Compte Epargne Placement

CEA Compte Epargne Placement

Caisse d’Epargne d’Aubonne
Interest Rate:0.50%
Debit Card Fee:—
5.0/5
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Best Savings Accounts

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About Swiss Savings Accounts

Savings accounts in Switzerland provide a safe and predictable way to grow your money. While interest rates have historically been low, recent increases have made savings accounts more attractive for conservative savers.

Swiss savings accounts are available from virtually every bank, including UBS, PostFinance, Raiffeisen, cantonal banks, and digital providers. Key factors to compare include the base interest rate, bonus interest conditions, withdrawal restrictions, and any account management fees.

Frequently Asked Questions

What is the best savings account interest rate in Switzerland?+
The best savings account rates in Switzerland currently range from 0.75% to over 1.5% depending on the provider and deposit conditions. Some banks offer promotional rates for new customers or higher rates for larger deposits.
Are Swiss savings accounts safe?+
Yes, Swiss savings accounts are among the safest in the world. Deposits up to CHF 100,000 per depositor per bank are guaranteed by esisuisse, the Swiss depositor protection scheme. Switzerland's stable banking system provides additional security.
Can I withdraw money from a Swiss savings account at any time?+
Most Swiss savings accounts allow withdrawals up to a certain monthly limit (typically CHF 10,000 to CHF 50,000) without notice. For larger amounts, you may need to give 3 to 6 months advance notice or pay a small early withdrawal fee.