Best Savings Accounts Switzerland October 2026: Top Rates

Q: Which bank has the best savings interest rate in Switzerland?

Caisse d'Epargne d'Aubonne currently offers 1%, highest in our comparison, but only in its corner of Vaud. Cembra follows at 0.60%, open to anyone in Switzerland, and Bank Cler pays 0.70% in year one on new money. Major banks? UBS pays 0.05% and PostFinance 0%. The gap between the best regional rate and UBS is 0.95 percentage points.

Q: Do Swiss banks pay interest on savings?

Yes, most Swiss savings accounts pay interest. Not much (0.025-1.0%), and PostFinance currently pays 0%. Interest is calculated on your balance and usually credited yearly. Rates depend on the bank, account type, and if there's a notice period.

Q: Are savings accounts in Switzerland worth it?

Yes, for keeping money safe and having emergency funds. Swiss savings accounts give you guaranteed security up to CHF 100,000 with basically zero risk. They won't beat inflation on their own, but you need that 3-6 months of expenses liquid somewhere. Combine with Pillar 3a and investments for a real strategy.

Q: How much money can you keep in a Swiss savings account?

No legal limit. But deposit protection only covers CHF 100,000 per person per bank. Got more? Spread it around. Some accounts cap their highest interest tier at CHF 100,000-250,000.

Q: Can I open a Swiss savings account online?

Yeah, most major banks do online opening. UBS, PostFinance, and Bank Cler have digital applications. Regional banks with the best rates might want you coming in person. Video ID has made remote opening pretty standard.

Q: What documents do I need to open a Swiss savings account?

You'll need: Valid ID (passport or Swiss ID), proof of Swiss address, residence permit (if foreign). Some banks want employment verification or tax ID. Digital banks need video identification. Traditional banks might make you visit a branch.

Written by Adrien Missioux,Reviewed by Jordana da Mata

Last updated on September 23, 2026

Swiss Made

Compare Swiss savings account interest rates and find the best savings bank accounts in Switzerland. Find accounts offering up to 1% interest from banks like Caisse d'Epargne d'Aubonne, Cembra, and Crédit Agricole with CHF 0 fees and full deposit protection.

Showing 10 of 31 accountsShowing 20 of 31 accounts

	Account	Rating	Interest Rate	Account Management Fee	Withdrawal Limit	Open
#1	CEA Compte Epargne Plus Caisse d’Epargne d’Aubonne #1	Rating5.0/ 5Read Full Review: CEA Compte Epargne Plus	Interest Rate 1%	Account Management Fee CHF 0	Withdrawal Limit CHF 10'000 / year	Visit provider
Our Take The CEA Compte Epargne Plus ranks #1 among Switzerland's 31 savings accounts. It's offered by the Caisse d'Epargne d'Aubonne, a small regional bank in the Canton of Vaud. The rate is exceptional, but the trade-offs are specific. Here's whether it makes sense for you. Best For long-term savers who won't need to touch their money for a year or more anyone seeking the highest available savings interest rate in Switzerland self-employed individuals or small businesses looking for a no-fee savings vehicle Consider Alternatives If you might need to withdraw more than CHF 10,000 in a single year you want mobile banking, online banking, or a debit card with your savings you prefer a larger, well-known bank over a small regional institution Rates & fees annual interest 1.00% Management fee CHF 0 Pros High interest rate of 1.00% No annual fees No minimum deposit required Read Full Review CEA Compte Epargne Plus
#2	Cembra Sparkonto Plus Cembra Money Bank #2	Rating4.3/ 5Read Full Review: Cembra Sparkonto Plus	Interest Rate 0.6%	Account Management Fee CHF 0	Withdrawal Limit CHF 20'000 / 180 days	Visit provider
Rates & fees annual interest 0.60% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons No mobile banking app Read Full Review Cembra Sparkonto Plus
#3	Crédit Agricole CA Savings Account Energy Crédit Agricole next bank #3	Rating4.1/ 5Read Full Review: Crédit Agricole CA Savings Account Energy	Interest Rate 0.4%	Account Management Fee CHF 0	Withdrawal Limit CHF 50'000 / year	Visit provider
Our Take The Crédit Agricole CA Savings Account Energy ranks #3 among Switzerland's 31 savings accounts. It's a bonus savings account bundled with their banking packages, offering a competitive top-tier rate. But the conditions are layered, and the effective return depends heavily on your balance and behavior. Best For existing Crédit Agricole next bank customers looking to maximize their savings rate savers with up to CHF 50,000 who can handle a 6-month no-withdrawal period anyone already holding a CA Start, CA Extra, or CA First banking package Consider Alternatives If you don't already have a Crédit Agricole banking package (required) you need access to your savings within the first 6 months you're saving more than CHF 50,000 and want a consistent rate across your full balance Rates & fees annual interest 0.40% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons Low interest rate Read Full Review Crédit Agricole CA Savings Account Energy
	CEA Compte Epargne Placement Caisse d’Epargne d’Aubonne	Rating4.3/ 5Read Full Review: CEA Compte Epargne Placement	Interest Rate 0.5%	Account Management Fee CHF 0	Withdrawal Limit CHF 20'000 / year	Visit provider
Our Take The CEA Compte Epargne Placement ranks #4 among Switzerland's 31 savings accounts. Offered by the Caisse d'Epargne d'Aubonne, a small regional bank in Canton Vaud, it delivers a solid rate with a straightforward structure. If you want simplicity over flashy promotions, this is worth a closer look. Best For savers under 60 looking for a stable, non-promotional interest rate small business owners or self-employed individuals needing a savings vehicle anyone with CHF 5,000+ who values simplicity over digital features Consider Alternatives If you're 60 or older (age restriction applies) you need mobile banking, online banking, or any digital access to your savings you want to withdraw more than CHF 20,000 per year Rates & fees annual interest 0.50% Management fee CHF 0 Minimum deposit CHF 5,000 Pros No annual fees Read Full Review CEA Compte Epargne Placement
	Bank Cler Savings Account Plus Bank Cler	Rating3.6/ 5Read Full Review: Bank Cler Savings Account Plus	Interest Rate 0.7%	Account Management Fee CHF 0	Withdrawal Limit CHF 50'000 / year	Visit provider
Our Take The Bank Cler Savings Account Plus ranks #5 among Switzerland's 31 savings accounts. It combines a modest base rate with a generous bonus, delivering up to 0.70% if you meet the conditions. It's a smart option for disciplined savers, but the bonus mechanics are more complex than they first appear. Best For disciplined savers who can commit to minimal withdrawals under CHF 20,000 per year first-year depositors looking for a strong effective rate of 0.70% on up to CHF 250,000 anyone who values cantonal bank security with competitive savings returns Consider Alternatives If you anticipate needing to withdraw more than CHF 20,000 in any given year you're under 20 years old (age restriction applies) you want the bonus rate to apply to your full balance every year, not just new deposits Rates & fees annual interest 0.70% Management fee CHF 0 Pros No annual fees No minimum deposit required Read Full Review Bank Cler Savings Account Plus
	Crédit Agricole CA Libre Epargne Crédit Agricole next bank	Rating3.6/ 5Read Full Review: Crédit Agricole CA Libre Epargne	Interest Rate 0.2%	Account Management Fee CHF 0	Withdrawal Limit CHF 20'000 / month	Visit provider
Our Take The Crédit Agricole CA Libre Epargne ranks #6 among Switzerland's 31 savings accounts. It's a standard savings account available exclusively to existing Crédit Agricole package customers. The rate is decent for the Swiss market but nothing exceptional. Think of it as a solid add-on, not a standalone product. Best For existing Crédit Agricole customers wanting a straightforward savings account savers who value monthly withdrawal limits over restrictive annual caps anyone with up to CHF 100,000 already in the CA banking ecosystem Consider Alternatives If you don't already hold a Crédit Agricole banking package you're saving more than CHF 100,000 (rate drops to 0% above that) you want the highest available rate and are willing to switch banks Rates & fees annual interest 0.20% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons Low interest rate Read Full Review Crédit Agricole CA Libre Epargne
	Save Easy CHF Swissquote	Rating3.5/ 5Read Full Review: Save Easy CHF	Interest Rate 0.1%	Account Management Fee CHF 0	Withdrawal Limit CHF 25'000 / month	Visit provider
Our Take 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. Best For multi-currency holders who want CHF, EUR, USD, GBP, AED, or ZAR in one savings account existing Swissquote users looking for a convenient savings complement anyone who values flexible monthly withdrawal limits over higher interest rates Consider Alternatives If you're purely focused on maximizing your CHF savings interest rate you don't need multi-currency capabilities you want mobile banking or payment features with your savings account Rates & fees annual interest 0.10% Management fee CHF 0 Minimum deposit CHF 1 Pros No annual fees Cons Low interest rate Read Full Review Save Easy CHF
	Migros Bank Investment Savings Account Migros Bank	Rating3.5/ 5Read Full Review: Migros Bank Investment Savings Account	Interest Rate 0.1%	Account Management Fee CHF 0	Withdrawal Limit CHF 100'000 / year	Visit provider
Our Take 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. Best For savers aged 25+ who can commit to zero withdrawals for a calendar year Migros Bank customers looking to maximize returns on up to CHF 100,000 anyone wanting a savings account linked to their debit card for emergency access Consider Alternatives If you're under 25 years old (age restriction applies) you expect to make any withdrawals during the year (kills the bonus) you're saving more than CHF 100,000 and want interest on the full amount Rates & fees annual interest 0.10% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons Low interest rate Read Full Review Migros Bank Investment Savings Account
	Kontomat Savings Account 12 months Kontomat	Rating3.3/ 5Read Full Review: Kontomat Savings Account 12 months	Interest Rate 0.15%	Account Management Fee CHF 0	Withdrawal Limit CHF 10'000 / year	Visit provider
Our Take The Kontomat Savings Account 12 months ranks #9 among Switzerland's 31 savings accounts. It's a fully online savings product with a 12-month notice period, targeting savers who want a hands-off digital experience. The rate is modest, but the structure is clean and simple. Best For high-balance savers looking for a flat rate on up to CHF 2,000,000 anyone comfortable with a fully online, no-frills savings experience savers who genuinely won't need access to their funds for 12+ months Consider Alternatives If you might need to withdraw more than CHF 10,000 in any year you can't commit to a 12-month notice period for withdrawals you want mobile banking or any digital interaction beyond basic account management Rates & fees annual interest 0.15% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons Low interest rate Read Full Review Kontomat Savings Account 12 months
	Kontomat Savings Account 6 months Kontomat	Rating3.3/ 5Read Full Review: Kontomat Savings Account 6 months	Interest Rate 0.1%	Account Management Fee CHF 0	Withdrawal Limit CHF 10'000 / year	Visit provider
Our Take The Kontomat Savings Account 6 months ranks #10 among Switzerland's 31 savings accounts. It's the shorter-notice sibling of Kontomat's 12-month product, trading a slightly lower rate for faster access to your money. If 12 months feels too long to wait, this is the middle ground. Best For savers who like Kontomat's flat-rate structure but want a shorter notice period than 12 months anyone looking to ladder savings across multiple Kontomat accounts high-balance savers who value no tiered rate drops on large deposits Consider Alternatives If you need to withdraw more than CHF 10,000 per year you can find the same 0.10% rate elsewhere with a shorter 3-month notice you prefer mobile banking or any digital tools beyond basic account access Rates & fees annual interest 0.10% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons Low interest rate Read Full Review Kontomat Savings Account 6 months
	Clientis Spar- und Leihkasse Thayngen Savings Account Clientis Spar- und Leihkasse Thayngen	Rating3.4/ 5Read Full Review: Clientis Spar- und Leihkasse Thayngen Savings Account	Interest Rate 0.05%	Account Management Fee CHF 0	Withdrawal Limit CHF 20'000 / month	Visit provider
Our Take The Clientis Spar- und Leihkasse Thayngen Savings Account ranks #11 among Switzerland's 31 savings accounts. It's a standard savings product from a small regional bank in the Schaffhausen area. No bells, no whistles, just straightforward savings with a very localized banking relationship. Best For Schaffhausen-area residents aged 26-60 who prefer local, face-to-face banking savers who want a simple, no-frills account with no minimum deposit anyone who values a personal relationship with their banker over digital features Consider Alternatives If you're under 26 or over 60 (strict age restriction) you want a competitive interest rate above 0.10% you prefer digital banking, mobile apps, or online account management Rates & fees annual interest 0.05% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons Low interest rate Read Full Review Clientis Spar- und Leihkasse Thayngen Savings Account
	Clientis BS Bank Schaffhausen Savings Account Clientis BS Bank Schaffhausen	Rating3.4/ 5Read Full Review: Clientis BS Bank Schaffhausen Savings Account	Interest Rate 0.05%	Account Management Fee CHF 0	Withdrawal Limit CHF 20'000 / month	Visit provider
Our Take The Clientis BS Bank Schaffhausen Savings Account ranks #12 among Switzerland's 31 savings accounts. Another regional Clientis bank offering a standard savings product with similar terms to its Thayngen neighbor. The differences are subtle but worth understanding if you're choosing between local options. Best For existing BS Bank Schaffhausen customers aged 26-59 wanting a savings add-on Schaffhausen residents who prefer local banking with personal service savers who value monthly withdrawal limits over restrictive annual caps Consider Alternatives If you're under 26 or over 59 (strict age restriction) you're saving over CHF 100,000 (rate drops to 0% above that threshold) you want to avoid account closing fees Rates & fees annual interest 0.05% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons Low interest rate Read Full Review Clientis BS Bank Schaffhausen Savings Account
	CEA Compte Epargne Nominatif Caisse d’Epargne d’Aubonne	Rating3.8/ 5Read Full Review: CEA Compte Epargne Nominatif	Interest Rate 0.3%	Account Management Fee CHF 0	Withdrawal Limit CHF 30'000 / quarter	Visit provider
Our Take The CEA Compte Epargne Nominatif ranks #13 among Switzerland's 31 savings accounts. It's the more accessible sibling of CEA's top-ranked Compte Epargne Plus, offered by the same Caisse d'Epargne d'Aubonne. The rate is lower at 0.30%, but the conditions appear simpler. Best For savers of any age who want access to CEA's above-average rates retirees or younger savers excluded by age restrictions on other CEA products companies or self-employed individuals seeking a no-fee savings vehicle Consider Alternatives If you need mobile or online banking to manage your savings you're not comfortable banking with a small regional institution in Canton Vaud you want the highest possible rate and qualify for CEA's Compte Epargne Plus instead Rates & fees annual interest 0.30% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons Low interest rate Read Full Review CEA Compte Epargne Nominatif
	Clientis BS Bank Schaffhausen Savings Account Top Clientis BS Bank Schaffhausen	Rating3.2/ 5Read Full Review: Clientis BS Bank Schaffhausen Savings Account Top	Interest Rate 0.2%	Account Management Fee CHF 0	Withdrawal Limit CHF 0 / year	Visit provider
Our Take The Clientis BS Bank Schaffhausen Savings Account Top ranks #14 among Switzerland's 31 savings accounts. It's the premium savings product from this small Schaffhausen regional bank, offering a higher rate than the standard account in exchange for stricter conditions. The structure is unusual. Best For long-term savers with CHF 5,000+ who won't need the money for at least a year retirees looking for above-average rates without age restrictions anyone comfortable with strict deposit-in-tranches requirements for a higher return Consider Alternatives If you might need more than CHF 5,000 back in any given year you can't plan withdrawals 12 months in advance you want flexibility to deposit any amount rather than exact CHF 5,000 multiples Rates & fees annual interest 0.20% Management fee CHF 0 Minimum deposit CHF 5,000 Pros No annual fees Cons Low interest rate Read Full Review Clientis BS Bank Schaffhausen Savings Account Top
	Clientis Spar- und Leihkasse Thayngen Savings Account Top Clientis Spar- und Leihkasse Thayngen	Rating3.2/ 5Read Full Review: Clientis Spar- und Leihkasse Thayngen Savings Account Top	Interest Rate 0.25%	Account Management Fee CHF 0	Withdrawal Limit CHF 5'000 / year	Visit provider
Our Take The Clientis Spar- und Leihkasse Thayngen Savings Account Top ranks #15 among Switzerland's 31 savings accounts. This is the premium product from the Thayngen Clientis bank, offering the highest rate in the Clientis network. The tiered structure remains competitive even at larger balances. Best For long-term savers with CHF 10,000+ looking for the best rate in the Clientis network high-balance savers who appreciate competitive rates above CHF 100,000 anyone comfortable with extreme withdrawal restrictions for a premium return Consider Alternatives If you might need more than CHF 5,000 per year from your savings you don't have CHF 10,000 to meet the minimum deposit requirement you're uncomfortable with a bank that can convert your account type at their discretion Rates & fees annual interest 0.25% Management fee CHF 0 Minimum deposit CHF 10,000 Pros No annual fees Cons Low interest rate High minimum deposit required (CHF 10,000) Read Full Review Clientis Spar- und Leihkasse Thayngen Savings Account Top
	Ersparniskasse Schaffhausen Savings Account Ersparniskasse Schaffhausen	Rating3.3/ 5Read Full Review: Ersparniskasse Schaffhausen Savings Account	Interest Rate 0.05%	Account Management Fee CHF 0	Withdrawal Limit CHF 20'000 / month	Visit provider
Our Take The Ersparniskasse Schaffhausen Savings Account ranks #16 among Switzerland's 31 savings accounts. It's a no-frills standard savings product from one of Schaffhausen's traditional savings institutions. If you're looking for something straightforward with local roots, this is it. Best For Schaffhausen residents aged 26-60 who prefer traditional local banking savers who want a simple, no-tier standard savings account anyone who values institutional heritage and local presence over digital features Consider Alternatives If you're under 26 or over 60 years old you want a savings rate above the market average of 0.10% you need digital banking tools or live outside the Schaffhausen area Rates & fees annual interest 0.05% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons Low interest rate Read Full Review Ersparniskasse Schaffhausen Savings Account
	Ersparniskasse Schaffhausen Investment Savings Account Ersparniskasse Schaffhausen	Rating3.3/ 5Read Full Review: Ersparniskasse Schaffhausen Investment Savings Account	Interest Rate 0.05%	Account Management Fee CHF 0	Withdrawal Limit CHF 50'000 / year	Visit provider
Our Take The Ersparniskasse Schaffhausen Investment Savings Account ranks #17 among Switzerland's 31 savings accounts. It's the premium-tier product from this traditional Schaffhausen bank, but with the same base rate as their standard offering. The difference lies in the withdrawal structure. Best For Schaffhausen residents outside the 26-60 age range who want to bank with Ersparniskasse savers who prefer annual withdrawal limits over monthly caps anyone already banking with Ersparniskasse who wants a second savings account Consider Alternatives If you're between 26 and 60 (the standard account offers the same rate with better terms) you want a higher interest rate to justify the 6-month notice period you need to access more than CHF 50,000 of your savings per year Rates & fees annual interest 0.05% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons Low interest rate Read Full Review Ersparniskasse Schaffhausen Investment Savings Account
	SHKB Savings Account Cantonal Bank of Schaffhausen (SHKB)	Rating3.2/ 5Read Full Review: SHKB Savings Account	Interest Rate 0.05%	Account Management Fee CHF 0	Withdrawal Limit CHF 10'000 / month	Visit provider
Our Take The SHKB Savings Account ranks #18 among Switzerland's 31 savings accounts. It's offered by the Cantonal Bank of Schaffhausen, one of Switzerland's 24 cantonal banks. The rate is low, the cap is tight, but the cantonal bank guarantee carries weight for safety-conscious savers. Best For safety-conscious savers who value cantonal bank guarantees over interest returns Schaffhausen residents who want to bank locally with their cantonal institution anyone with up to CHF 25,000 in savings who prioritizes security Consider Alternatives If you want any meaningful return on your savings you have more than CHF 25,000 to save (interest drops to 0%) you're under 25 years old Rates & fees annual interest 0.05% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons Low interest rate Read Full Review SHKB Savings Account
	Bank CIC Savings Account Bank CIC	Rating3.0/ 5Read Full Review: Bank CIC Savings Account	Interest Rate 0.2%	Account Management Fee CHF 100	Withdrawal Limit CHF 25'000 / year	Visit provider
Our Take The Bank CIC Savings Account ranks #19 among Switzerland's 31 savings accounts. It's one of the few Swiss savings accounts that charges an account management fee, which significantly changes the value equation. The headline rate of 0.20% needs context. Best For existing Bank CIC customers who want savings without notice periods high-balance savers (CHF 100,000+) who value no-notice withdrawal flexibility Swiss residents who prefer a traditional Basel-based bank with physical branches Consider Alternatives If you have less than CHF 50,000 in savings (the fee wipes out your interest) you can find a free savings account with a similar or better rate you don't specifically need no-notice-period withdrawal access Rates & fees annual interest 0.20% Management fee CHF 100 / year Pros No minimum deposit required Cons Annual management fee (CHF 100/mo) Low interest rate Read Full Review Bank CIC Savings Account
	Bank Cler Savings Account Bank Cler	Rating3.0/ 5Read Full Review: Bank Cler Savings Account	Interest Rate 0.05%	Account Management Fee CHF 0	Withdrawal Limit CHF 100'000 / year	Visit provider
Our Take The Bank Cler Savings Account ranks #20 among Switzerland's 31 savings accounts. It's the basic savings offering from the same bank that tops our private account rankings. The rate is low, but the high interest-bearing ceiling of CHF 500,000 is unusual for the Swiss market. Best For high-balance savers with CHF 100,000+ who want interest on balances up to CHF 500,000 anyone who values generous withdrawal limits of CHF 100,000 per year savers seeking cantonal bank security through Bank Cler's Basler Kantonalbank backing Consider Alternatives If you want any meaningful interest rate on your savings you're under 20 years old you'd rather earn 0.70% on a smaller balance than 0.05% on a large one Rates & fees annual interest 0.05% Management fee CHF 0 Pros No annual fees No minimum deposit required Cons Low interest rate Read Full Review Bank Cler Savings Account
	Raiffeisen Member Savings Account Raiffeisen Switzerland	Rating3.0/ 5Read Full Review: Raiffeisen Member Savings Account	Interest Rate 0.05%	Account Management Fee CHF 0	Withdrawal Limit CHF 20'000 / month	Visit provider
	Migros Bank Savings Account Migros Bank	Rating3.0/ 5Read Full Review: Migros Bank Savings Account	Interest Rate 0.05%	Account Management Fee CHF 0	Withdrawal Limit CHF 50'000 / month	Visit provider
	UBS Savings Account CHF UBS	Rating3.0/ 5Read Full Review: UBS Savings Account CHF	Interest Rate 0.05%	Account Management Fee CHF 0	Withdrawal Limit CHF 50'000 / year	Visit provider
	Raiffeisen Savings Account Raiffeisen Switzerland	Rating2.9/ 5Read Full Review: Raiffeisen Savings Account	Interest Rate 0.03%	Account Management Fee CHF 0	Withdrawal Limit CHF 20'000 / month	Visit provider
	Migros Bank Bonus Savings Account Migros Bank	Rating3.1/ 5Read Full Review: Migros Bank Bonus Savings Account	Interest Rate 0.6%	Account Management Fee CHF 0	Withdrawal Limit CHF 0 / year	Visit provider
	Bank WIR Shareholder Savings Account Bank WIR	Rating2.9/ 5Read Full Review: Bank WIR Shareholder Savings Account	Interest Rate 0.05%	Account Management Fee CHF 0	Withdrawal Limit CHF 20'000 / quarter	Visit provider
	Bank WIR Savings Account Bank WIR	Rating2.9/ 5Read Full Review: Bank WIR Savings Account	Interest Rate 0.05%	Account Management Fee CHF 0	Withdrawal Limit CHF 30'000 / quarter	Visit provider
	Bank CIC Investment Account CHF Bank CIC	Rating2.5/ 5Read Full Review: Bank CIC Investment Account CHF	Interest Rate 0.05%	Account Management Fee CHF 100	Withdrawal Limit CHF 50'000 / year	Visit provider
	Alpian Savings Account AlpianNeobank	Rating2.4/ 5Read Full Review: Alpian Savings Account	Interest Rate 0.01%	Account Management Fee CHF 0	Withdrawal Limit —	View offer
	Yuh Savings Account YuhNeobank	Rating2.2/ 5Read Full Review: Yuh Savings Account	Interest Rate —	Account Management Fee CHF 0	Withdrawal Limit —	Visit provider
	PostFinance Savings Account PostFinance	Rating2.2/ 5Read Full Review: PostFinance Savings Account	Interest Rate —	Account Management Fee CHF 0	Withdrawal Limit CHF 100'000 / year	Visit provider

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Written byAdrien MissiouxReviewed byJordana da Mata

Last updated onSeptember 23, 2026

Savings account comparison: the best savings account in Switzerland

The highest savings rate in Switzerland is currently 1% on the CEA Compte Epargne Plus (as of September 2026), with a catch: only CHF 10,000 a year comes out without notice, and anything more needs 12 months' notice. The comparison above puts every savings account we track in one table. Set Sort By to Interest (Highest), pick a Min. interest rate, or type "cantonal" in the search box to see cantonal banks only. Expand any row for Our Take and Best For, then tick Add to compare on up to 3 accounts to open them in our comparison tool.

That's why Caisse d'Epargne d'Aubonne (CEA) Compte Epargne Plus tops our ranking with a 5.0/5 rating. This regional bank absolutely crushes the major players.

Here's the catch: regional banks usually want you to live in their area. Check the comparison table above for all your options, ranked by actual numbers, not marketing budgets.

September 2026 update: CEA's 1% still leads, confirmed on its own rate sheet effective 1 April 2026, and it is still limited to the bank's corner of Vaud. The runner-up has changed though: Bank WIR's Savings Account plus at 0.75% closed to new customers on 14 July 2026, and its guaranteed rate ends on 30 September 2026. With no regional strings attached, Cembra's Sparkonto Plus at 0.60% is now the highest rate anyone in Switzerland can open and hold indefinitely, while Bank Cler's Sparkonto Plus pays more in year one at 0.70% on new money up to CHF 250,000 before reverting to a 0.1% base.

High-interest savings accounts in Switzerland

These are the highest savings interest rates you can currently get in Switzerland (September 2026), each with the condition that actually matters:

CEA Compte Epargne Plus: 1.0%. Regional bank in Vaud. CHF 10,000 a year without notice, 12 months' notice above that.
Bank Cler Sparkonto Plus: 0.70% in year one. That's a 0.10% base plus a 0.60% bonus on net new money up to CHF 250,000. Withdraw more than CHF 20,000 in the bonus period and the bonus is gone.
Cembra Sparkonto Plus: 0.60%. No balance cap, open to all Swiss residents. CHF 20,000 every 180 days without notice, then six months' notice or a 2% charge on the excess.
CEA Compte Epargne Placement: 0.50%. CHF 20,000 a year without notice, six months above. Only up to age 60.
Crédit Agricole CA Savings Account Energy: 0.40% on the first CHF 50,000 (0.20% up to CHF 100,000). No withdrawals at all in the first six months.
Clientis Spar- und Leihkasse Thayngen Savings Account Top: 0.40% up to CHF 100,000, but only CHF 5,000 a year without notice.

Why aren't rates higher? The Swiss National Bank has held its policy rate at 0% since June 2025 and confirmed it again in June 2026. Its next decision is due on 24 September 2026. Banks reprice their savings accounts when the SNB moves, which is why every rate on this page says "currently".

UBS, Raiffeisen, PostFinance, Bank Cler and Zak: what the big names pay

The banks most people already use pay a fraction of that. Current rates (September 2026):

UBS Savings Account: 0.05% up to CHF 50,000, 0% above. Withdrawal limit CHF 50,000 per calendar year.
Raiffeisen: the Member Savings Account pays 0.05% up to CHF 100,000, the standard Savings Account 0.025%. The Raiffeisen Sparkonto 180 pays 0.25% at several local Raiffeisen banks, but every withdrawal needs 180 days' notice. Each local Raiffeisen bank sets its own rates.
PostFinance Savings Account: 0.00% on the whole balance.
Bank Cler: Sparkonto Plus as above, standard Savings Account 0.05%.
Zak Sparen: 0.20% up to CHF 100,000, activated inside the Zak app.

On CHF 50,000, UBS pays you CHF 25 a year. Cembra pays CHF 300 on the same money.

Do Swiss bank accounts pay interest?

Yes, most Swiss savings accounts pay interest. Not a lot (we're talking 0.025% to 1.0%), and a few big names like PostFinance currently pay 0%.

The Swiss National Bank sets the baseline for what banks can offer. After the cuts of 2024 and 2025, its policy rate sits at 0%, and savings rates followed it down. Spoiler: regional banks and a few online players consistently beat the big names on rates.

Why I focus on regional banks for savings

Swiss savings account interest rates 2026

Current rates by bank type:

Regional banks: 0.1% to 1.0%
Cantonal banks: BCV 0.025%, SHKB 0.05% on their standard savings accounts
Major banks (UBS, PostFinance): 0% to 0.05%
Online and digital offers: 0% (Yuh) to 0.60% (Cembra)

Top rates worth knowing:

CEA Compte Epargne Plus: 1.0% (5.0/5)
Cembra Sparkonto Plus: 0.60% (4.3/5)
CEA Compte Epargne Placement: 0.5% (4.3/5)
Crédit Agricole CA Savings Energy: 0.4% (4.1/5)

Regional banks dominate our rankings because interest rates matter. A 0.25% difference doesn't sound like much until you watch it compound over years. For a bank-by-bank breakdown of current rates, check our savings interest rates comparison.

How much interest can you earn in Switzerland?

Realistic annual interest on CHF 50,000

At 1.0% (CEA): CHF 500
At 0.60% (Cembra): CHF 300
At 0.05% (UBS): CHF 25

Over 10 years with compounding

At 1.0%: CHF 5,231 total interest
At 0.05%: CHF 251 total interest
Difference: CHF 4,980

The math is straightforward. Higher rates matter, especially for emergency funds and medium-term savings you'll hold for years. To run it with your own amount and time frame, use our compound interest calculator.

Top-rated savings accounts explained

CEA Compte Epargne Plus (5.0/5)

Interest rate: 1.0% Account fee: CHF 0 Bank: Caisse d'Epargne d'Aubonne

This Vaud canton regional bank offers Switzerland's highest savings rate. The catch? You probably need to be a Vaud resident.

Best for: Vaud people who want maximum interest.

Cembra Sparkonto Plus (4.3/5)

Interest rate: 0.60% Account fee: CHF 0 Bank: Cembra Money Bank

The highest rate you can open anywhere in Switzerland, with no regional condition and no maximum balance, so the 0.60% applies to your whole deposit rather than a first tier. It is online-only through Cembra's mySavings portal: no card, no app, no payments beyond CHF transfers. You can take out CHF 20,000 every 180 days without notice, and six months' notice applies above that.

Best for: Anyone outside Vaud who wants the top rate and can leave the money alone.

Crédit Agricole CA Savings Account Energy (4.1/5)

Interest rate: 0.4% Account fee: CHF 0 Bank: Crédit Agricole next bank

Solid mid-tier option from a bank you can actually access nationally. The "Energy" name probably means sustainable investments or something.

Best for: People who want a bank with actual national coverage.

Bank Cler Savings Account Plus (3.6/5)

Interest rate: 0.1% (0.70% in year one with the new-money bonus) Account fee: CHF 0 Bank: Bank Cler

Lower interest but crazy good if you already use Zak for everyday banking. Everything just works together.

Best for: Current Bank Cler/Zak customers who value convenience.

How the top accounts stack up

When comparing savings accounts, interest rate alone doesn't tell the whole story. Here's how Switzerland's best savings accounts compare on the factors that actually affect your experience:

Accessibility: CEA requires regional ties or specific eligibility. Cembra, Crédit Agricole and Bank Cler are nationally accessible, though Cembra is online-only. PostFinance and UBS are everywhere but pay less.

Withdrawal flexibility: Bank Cler (CHF 50,000 a year) and PostFinance (CHF 100,000 a year) have generous notice-free limits. CEA Plus needs 12 months' notice above CHF 10,000 a year, Cembra six months above CHF 20,000 per 180 days. This matters if your savings also serve as your emergency fund.

Digital experience: Bank Cler (via Zak) leads on app quality. UBS and PostFinance have comprehensive but dated interfaces. Regional banks generally lag on digital features.

Who should choose what: If you're optimizing purely for returns and can lock money away, CEA wins. If you want a middle ground, Crédit Agricole works once its six-month lock-up has passed, and Cembra pays more if you can live with its notice period. If convenience is king, Bank Cler pairs perfectly with your Zak private account.

What makes a good Swiss savings account?

Five things actually matter:

Interest rate determines what you earn. Small differences compound hard over time. This is your priority for long-term money.

Account fees can eat your interest gains alive. All the top accounts in our comparison charge CHF 0.

Withdrawal flexibility varies a lot. Some accounts limit you to 3-6 withdrawals yearly. Others lock your money for 3-12 months but pay higher rates.

Deposit protection covers CHF 100,000 per person per bank through Swiss deposit insurance. Every licensed Swiss bank participates.

Accessibility matters with regional banks. Some want you living locally or showing up in person to open an account.

Are Swiss savings accounts safe?

Yes, Swiss savings accounts are stupidly safe. FINMA regulates all licensed banks with crazy strict capital requirements.

What's actually protected:

CHF 100,000 per person per bank
Paid within 7-20 business days if a bank fails
Covers savings, private accounts, term deposits
Doesn't cover securities or safe deposit box stuff

Pro tip for big savers:

Got more than CHF 100,000? Spread it across multiple banks. Each bank's protection is separate. Two banks = CHF 200,000 fully covered.

Bank failures in Switzerland are ridiculously rare. The last significant one (Spar- und Leihkasse Thun) was in 1991. That's over 30 years ago.

Savings accounts vs Pillar 3a: Which is better?

Short answer: Different tools for different jobs. Use both.

Savings Accounts

Get your money whenever (or with notice)
Interest rates 0% to 1.0%
Zero tax benefits
Best for: Emergency money, medium-term goals

Pillar 3a Accounts

Locked until you're 60-70
Interest rates 0% to 1.0% (3a savings accounts)
Tax-deductible contributions (CHF 7,258 yearly)
Best for: Retirement savings

What actually works: Keep 3-6 months expenses in accessible savings. Max out Pillar 3a contributions (CHF 7,258) for the tax break. Invest anything beyond that for real growth.

For retirement details, check our Pillar 3a savings comparison.

Savings accounts for children

Youth savings accounts are the one place Swiss banks still pay a proper bonus rate. Check three things: the youth rate and the balance it applies to, the age at which it switches to adult pricing, and who can open it. Parents open one in their child's name, and gift savings accounts are designed for godparents or grandparents saving on a child's behalf.

Current examples (September 2026):

Bank Cler Sparkonto Jugend / Geschenksparkonto: 0.70% up to CHF 25,000, 0.50% above.
UBS Savings Account for young people: 0.30% up to CHF 50,000, plus 5% on the first CHF 1,000 within UBS kids banking (up to age 11).
PostFinance Youth Savings Account: 0.25% up to CHF 25,000, until age 20.

For debit cards, TWINT and age limits, see our youth account guide.

Can foreigners open Swiss savings accounts?

Yes, if you have a Swiss residence permit. You'll need:

Valid passport
Swiss residence permit (B, C, or L)
Proof of Swiss address
Tax ID (sometimes)

Major banks like UBS and PostFinance make it easy with English support. Regional banks might want you showing up in person and speaking German/French.

Non-residents? Not happening. The "secret Swiss bank account" myth doesn't work for regular savings stuff.

Is a high-yield savings account in Switzerland worth it?

Let's be real: Switzerland isn't known for high savings rates. Even the best accounts (1%) barely beat inflation. Our dedicated high-yield savings account guide helps you find the best options for maximizing returns.

Why Swiss rates suck:

Swiss National Bank keeps its policy rate at 0%
Strong franc means banks don't need to compete hard
Banks have cheap funding costs
Safe haven status means money flows in anyway

If you want higher returns:

Pillar 3a accounts (up to 1.0% plus tax breaks)
Term deposits (bit higher if you lock money up)
Investment accounts (more risk, more potential)

Savings accounts preserve capital. They don't build wealth. Once you've got your emergency fund sorted, consider investing for actual growth.

How to choose your savings account

Check where you live

Regional banks with the best rates often want you local. Search the comparison table for your regional or cantonal bank.

Decide on flexibility

Need access to your money? Pick accounts with a high notice-free limit. Okay with waiting? Notice accounts pay better.

Opening a savings account is usually the easy part. Cembra's Sparkonto Plus opens online through its mySavings portal, and Zak Sparen is activated in the Zak app once you have a Zak account. Regional banks may still want to see you at the branch, so check before you chase the top rate.

Forget loyalty

Opening savings at your current bank is convenient but rarely smart. The rate difference usually justifies the hassle of a new relationship.

Do the math

A 0.5% difference on CHF 20,000 = CHF 100 yearly. Meh. On CHF 100,000 = CHF 500 yearly. Definitely worth it.

For everyday banking, check our bank accounts guide covering everything.

Frequently asked questions

Which bank has the best savings interest rate in Switzerland?

Caisse d'Epargne d'Aubonne currently offers 1%, highest in our comparison, but only in its corner of Vaud. Cembra follows at 0.60%, open to anyone in Switzerland, and Bank Cler pays 0.70% in year one on new money. Major banks? UBS pays 0.05% and PostFinance 0%. The gap between the best regional rate and UBS is 0.95 percentage points.

What is the withdrawal limit on a Swiss savings account?

It depends on the account, from CHF 5,000 a year to CHF 100,000 a year without notice. UBS allows CHF 50,000 per calendar year; above that you need three months' notice, or UBS charges 0.5% on the amount over the limit. PostFinance allows CHF 100,000 a year (1% charge on the excess), while Cembra and Bank Cler charge 2%. Notice accounts like Raiffeisen's Sparkonto 180 have no free amount at all.

Do Swiss banks pay interest on savings?

Yes, most Swiss savings accounts pay interest. Not much (0.025-1.0%), and PostFinance currently pays 0%. Interest is calculated on your balance and usually credited yearly. Rates depend on the bank, account type, and if there's a notice period.

Are savings accounts in Switzerland worth it?

Yes, for keeping money safe and having emergency funds. Swiss savings accounts give you guaranteed security up to CHF 100,000 with basically zero risk. They won't beat inflation on their own, but you need that 3-6 months of expenses liquid somewhere. Combine with Pillar 3a and investments for a real strategy.

How much money can you keep in a Swiss savings account?

No legal limit. But deposit protection only covers CHF 100,000 per person per bank. Got more? Spread it around. Some accounts cap their highest interest tier at CHF 100,000-250,000.

Can I open a Swiss savings account online?

Yeah, most major banks do online opening. UBS, PostFinance, and Bank Cler have digital applications. Regional banks with the best rates might want you coming in person. Video ID has made remote opening pretty standard.

What documents do I need to open a Swiss savings account?

You'll need: Valid ID (passport or Swiss ID), proof of Swiss address, residence permit (if foreign). Some banks want employment verification or tax ID. Digital banks need video identification. Traditional banks might make you visit a branch.

Next steps

Use the comparison table above to sort by interest, set a minimum rate and shortlist the accounts that fit how you save. For everything banking, check our complete bank accounts comparison.

About the author

Adrien Missioux

Founder & Lead Author

Entrepreneur who bootstrapped a SaaS to multi-million revenue. Building GetRates.ch to bring transparency to Swiss finance.

See full bio

About the reviewer

Jordana da Mata

Financial Reviewer & Fact-Checker

Works in Swiss banking, with a background in anti-money-laundering investigations and cross-border payments. Checks GetRates.ch content for accuracy and hidden conditions before it is published.

See full bio

Last updated on September 23, 2026

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