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Savings Account Comparison Switzerland2025
Find the best savings account with the highest rates. Compare all Swiss banks and neobanks.
Compare savings accounts nowFree | Non-binding | In 2 minutes
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What you should know
A savings account is the safest form of investment in Switzerland. Interest rates are low, but your capital is protected up to CHF 100,000 by deposit insurance. Different Swiss banks offer different rates – a comparison can make several thousand francs difference over the years.
Expert tips
Compare interest rates at least once a year – differences between banks are substantial.
Watch out for hidden fees like account management fees or minimum deposits.
Check if promotional rates are only temporary.
For amounts over CHF 100,000, spread across multiple banks.
Pillar 3a often offers better rates and tax advantages.
Frequently asked questions
What are the interest rates on savings accounts in Switzerland?
Rates vary widely between 0.1% and 1.5% depending on the bank and account type.
Is my money safe in a savings account?
Yes, deposits up to CHF 100,000 per bank are protected by deposit insurance.
Can I access my money anytime?
For most accounts yes, but for higher rates there are often notice periods of 3-12 months.
Do I have to pay taxes on interest?
Yes, interest income must be declared. The bank automatically deducts 35% withholding tax, reclaimable via tax return.
Which is better: savings account or pillar 3a?
Pillar 3a offers tax advantages but is locked until retirement. For flexible savings, a savings account is preferable.
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Compare savings accounts nowDisclaimer: The information provided on this page is for informational purposes only and does not constitute legal, financial, or tax advice. All information is provided without guarantee. Current conditions may differ from those mentioned here. Please check with the respective providers before concluding a contract.