The Swiss National Bank (SNB) lowered its policy rate from 1.00% to 0.50% on 12 December 2024. This is the fourth successive policy rate cut by the SNB. PostFinance is responding to this by adjusting the interest rates on savings accounts, the retirement savings account 3a and the vested benefits account as of 1 February 2025.
| Account | Interest rate from 01.02.2025 |
|---|---|
| Account Savings account in CHF |
Interest rate from 01.02.2025 0,10% up to CHF 50,000 0,00% from CHF 50,000 |
| Account Savings account in EUR |
Interest rate from 01.02.2025 0,10% up to EUR 50,000 0,00% from EUR 50,000 |
| Account Youth savings account in CHF (incl. gift savings account in CHF) |
Interest rate from 01.02.2025 0,80% up to CHF 25,000 (unchanged) 0,10% from CHF 25,000 to CHF 50,000 0,00% from CHF 50,000 |
| Account Youth savings account in EUR |
Interest rate from 01.02.2025 0,80% up to EUR 25,000 (unchanged) 0,10% from EUR 25,000 to EUR 50,000 0,00% from EUR 50,000 |
| Account Retirement savings account 3a |
Interest rate from 01.02.2025 0,30% |
| Account Vested benefits account |
Interest rate from 01.02.2025 0,01% |
The adapted interest rates will come into effect automatically; customers do not need to do anything. For other account types, existing interest rates will continue to apply.
The SNB will conduct its next monetary policy assessment on 20 March 2025. PostFinance monitors developments on an ongoing basis. PostFinance will provide information promptly in the event of further modifications.
