Date of last interest rate change: 1 October 2022
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Current interest rates for private customers
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Private account (for people aged 20 or older)
Balances
Interest CHF
Interest EUR
Balances Total balance
Interest CHF 0.00%Interest EUR 0.00%
Balances Debit interest for negative balances
Interest CHF 9.50%Interest EUR 9.50%
Youth account (for people under 20)
Balances Interest CHF Interest EUR Balances Up to CHF 25'000.– / EUR 25'000.–Interest CHF 0.25%Interest EUR 0.25%Balances From CHF 25'000.– / EUR 25'000.–Interest CHF 0.00%Interest EUR 0.00%Balances Debit interest for negative balancesInterest CHF 9.50%Interest EUR 9.50%Student account (18 to 30)
Balances Interest CHF Interest EUR Balances Up to CHF 25’000.– / EUR 25’000.–Interest CHF 0.25%Interest EUR 0.25%Balances From CHF 25’000.– / EUR 25’000.–Interest CHF 0.00%Interest EUR 0.00%Balances Debit interest for negative balancesInterest CHF 9.50%Interest EUR 9.50%Private account in foreign currency
Foreign currency
Interest
Foreign currency Australian dollar (AUD)
Interest 0.00%Foreign currency Canadian dollar (CAD)
Interest 0.00%
Foreign currency Danish krone (DKK)
Interest 0.00%
Foreign currency Pound sterling (GBP)
Interest 0.00%
Foreign currency Japanese yen (JPY)
Interest 0.00%
Foreign currency Norwegian krone (NOK)
Interest 0.00%
Foreign currency Swedish krone (SEK)
Interest 0.00%
Foreign currency US dollar (USD)
Interest 0.00%
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Date of last interest rate change: 1 August 2024
Savings account
Balances Interest CHF Interest EUR Balances Up to CHF 50'000.– / EUR 50'000.–Interest CHF 0.50%Interest EUR 0.50%Balances From CHF 50'000.– / EUR 50'000.–Interest CHF 0.20%Interest EUR 0.20%Balances Debit interest for negative balancesInterest CHF 9.50%Interest EUR 9.50%
Youth savings account
Balances Interest CHF Interest EUR Balances Up to CHF 25'000.– / EUR 25'000.–Interest CHF 0.80%Interest EUR 0.80%Balances From CHF 25'000.– / EUR 25'000.– to CHF 50'000.– / EUR 50'000.–Interest CHF 0.50%Interest EUR 0.50%Balances From CHF 50'000.– / EUR 50'000.–Interest CHF 0.20%Interest EUR 0.20%Balances Debit interest for negative balancesInterest CHF 9.50%Interest EUR 9.50%
Gift account
Note
The interest rate is valid for all gift savings accounts opened before 18 October 2020. Gift savings accounts are no longer available from 19 October 2020.
Balances Interest CHF Balances Up to CHF 25'000.–Interest CHF 0.80%Balances From CHF 25'000.– to CHF 50'000.–Interest CHF 0.50%Balances From CHF 50'000.–Interest CHF 0.20%Balances Debit interest for negative balancesInterest CHF 9.50% -
Account Interest Account Retirement savings account 3aInterest 0.80%Account Vested benefits account (Pillar 2)Interest 0.30% -
The exact interest rate is calculated based on the detailed information in your loan application.
Interest rate of at least4.90%Interest rate of max.8.90%Terms6 to 84 monthsLoan amountFrom CHF 1,000 to CHF 80,000 -
Mortgage interest rates for new business valid as of 30.08.2024
Fixed mortgage
Term Interest rate p.a. Term 2 yearsInterest rate p.a. from 1.67%Term 3 yearsInterest rate p.a. from 1.65%Term 4 yearsInterest rate p.a. from 1.66%Term 5 yearsInterest rate p.a. from 1.67%Term 6 yearsInterest rate p.a. from 1.68%Term 7 yearsInterest rate p.a. from 1.70%Term 8 yearsInterest rate p.a. from 1.72%Term 9 yearsInterest rate p.a. from 1.74%Term 10 yearsInterest rate p.a. from 1.77%Term 11 yearsInterest rate p.a. from 1.81%Term 12 yearsInterest rate p.a. from 1.83%Term 13 yearsInterest rate p.a. from 1.83%Term 14 yearsInterest rate p.a. from 1.85%Term 15 yearsInterest rate p.a. from 1.86%The interest rates are standard rates for the best creditworthiness of owner-occupied home ownership. Data is given for information purposes only and is non-binding.
Saron mortgage
Term3 yearsInterest period3 monthsBase interest rate + guide margin- For the entire duration, the interest rate is composed of the relevant base interest rate plus the guide margin. The base interest rate equals the Compounded SARON® 3 months, which is calculated on the individual The link will open in a new window SARON® daily interest rates.
- The base interest rate is always at least 0.00%.
- For each interest period, the interest rate is fixed five banking days before the end of the interest period.
- Throughout the entire term, it is possible to change to a PostFinance fixed-rate mortgage at the end of each quarter.
- The interest rates are standard rates for the best creditworthiness of owner-occupied home ownership. Data is given for information purposes only and is non-binding.
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Conditions for medium-term notes
- Interest is calculated as of the day payment is made
- From the time when interest begins to accrue, the current interest rate is guaranteed for the whole term of the investment.
- Interest is credited to the investor's Postal account annually (less 35% Swiss Federal withholding tax).
- Prior to the end of the investment term you will receive an offer to renew the investment at the interest rates valid at the time.
- Principal plus interest is transferred automatically to the investor's Postal account upon maturity.
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