Fixed-term deposits are the right money market instrument for investors who want to invest their surplus cash in the short to medium term. You determine the term of your investment yourself.
Plannable investments with a fixed, agreed-upon interest rate
The term can be freely selected up to 12 months
No commission
Sign up online in e-finance or the PostFinance App
The minimum amounts and terms on offer are based on the current market conditions.
| Criteria | New: fixed-term deposits up to CHF 100,000 | Fixed-term deposits from CHF 100,000 to CHF 1 million | Fixed-term deposits from CHF 1 million |
|---|---|---|---|
| Criteria Minimum amount |
New: fixed-term deposits up to CHF 100,000 No offer currently available. CHF 50,000 |
Fixed-term deposits from CHF 100,000 to CHF 1 million Offer subject to limited availability. Terms for interest rates are shown. CHF 100,000 or equivalent in a foreign currency |
Fixed-term deposits from CHF 1 million Offer subject to limited availability. Terms for interest rates are shown. CHF 1 million or equivalent in a foreign currency |
| Criteria Compatible currencies |
New: fixed-term deposits up to CHF 100,000 No offer currently available. CHF |
Fixed-term deposits from CHF 100,000 to CHF 1 million Offer subject to limited availability. Terms for interest rates are shown. CHF and foreign currencies |
Fixed-term deposits from CHF 1 million Offer subject to limited availability. Terms for interest rates are shown. CHF and foreign currencies |
| Criteria Term |
New: fixed-term deposits up to CHF 100,000 No offer currently available. 3 to 12 months |
Fixed-term deposits from CHF 100,000 to CHF 1 million Offer subject to limited availability. Terms for interest rates are shown. 3 to 12 months |
Fixed-term deposits from CHF 1 million Offer subject to limited availability. Terms for interest rates are shown. Choose between 1 week and 12 months |
CHF |
Swiss franc |
|---|---|
AUD |
Australian dollar |
CAD |
Canadian dollar |
DKK |
Danish krone |
EUR |
Euro |
GBP |
British pound |
JPY |
Japanese yen |
NOK |
Norwegian krone |
SEK |
Swedish krona |
USD |
American dollar |
PostFinance reserves the right to modify the available currencies based on the current market situation.
With PostFinance, you can sign up for fixed-term deposits conveniently via your e-finance customer login. If you don’t yet have a PostFinance account, it’s easy to become a customer in the PostFinance App for iOS or Android. You can open your banking package consisting of account, PostFinance Card and e-finance access in just a few minutes online.
The capital is invested at a fixed interest rate that is determined individually based on the current market interest rate.
For investments in Swiss francs, the minimum amount is CHF 50,000.
For investments in foreign currency, the minimum amount is the equivalent value of CHF 100,000.
The minimum amounts are based on the current market conditions.
With a fixed-term deposit, you commit to a specific term. Early repayment is therefore not possible.
Deposits and, in turn, fixed-term deposits totalling up to CHF 100,000 per customer are covered by statutory depositor protection.
Yes, a reference account in your chosen investment currency is required to invest fixed-term deposits at PostFinance.
As you require a PostFinance reference account in your chosen investment currency, no additional documents are needed to sign up for fixed-term deposits.
The interest from fixed-term deposits is paid out at the end of the agreed term.
Yes. You can sign up for fixed-term deposits using a partner account.
Once the term has ended, the invested amount and the generated interest (minus 35% withholding tax) is paid out to the specified reference account.
The interest income is subject to federal withholding tax (35%), which is deducted directly from the generated interest.
No. Fixed-term deposits are not extended automatically, but you can sign up again once they have expired.
