INTEREST RATES
Who said only active investing can generate returns? Either through our Saving Strategy or through cash deposits in your account, your savings in CHF, EUR, GBP, USD or AED will generate attractive interest, effortlessly.
Put money aside and get regularly remunerated for it. As part of our Invest Easy wealth management solution, the Saving Strategy is 100% cash, fee‑less, multi‑currency and with automatically‑remunerated interests up to 2%, with no minimum deposit.
| Interest rates | ||||
|---|---|---|---|---|
| Cash deposit | CHF | EUR | USD | GBP |
| 0 – 50’000 | 1% | 1.5% | 1.75% | 2% |
| 50’001 – 100’000 | 0.50% | 0.75% | 1% | 1.25% |
| Over 100’000 | 0.10% | 0.30% | 0.50% | 0.75% |
| Conditions and Fees | |
|---|---|
| Cash‑out limit | 25’000/month* |
| Notice period to exceed cash‑out limit without penalty | 3 months |
| % penalty over 25’000 cash‑out | 1% |
| Strategy fee | No fees |
| Minimum deposit | CHF/ EUR/ USD/ GBP 1 |
*Not applicable to transfers to another Invest Easy strategy or currency conversions within Saving Strategy, which are free of restrictions and limit.
Your cash held in CHF, EUR, GBP, USD or AED can start generating progressive interest in your Swissquote Account. These positive interest rates are valid for deposits of any amount, without any conditions on withdrawals – a one‑of‑a‑kind deal in Switzerland! To put it simply, the more cash you keep in your account, the higher the rate at which you will earn passive income.
| Cash deposit | CHF | EUR | GBP | USD | AED |
|---|---|---|---|---|---|
| < 200K | 0.10% | 0.10% | 0.10% | 0.20% | 0.20% |
| 200K – 500K | 0.25% | 0.20% | 0.20% | 0.30% | 0.30% |
| > 500K | 0.50% | 0.30% | 0.30% | 0.40% | 0.40% |
If you qualify for a higher interest rate, that rate will apply to the full amount of the deposit. For example, with a deposit of 200k, you will earn 0.25% on the entire sum.
Interests are accrued daily, based on the balance at the end of each day. They are deposited on your account once a year, at the end of the year. Positive interest rates only apply to private clients, legal entities are not eligible.