UBS Festgeld UBS CH
1% brutto
Festgeldanlage bei UBS Schweiz. Hohe Mindesteinlage, erstklassige Sicherheit.
- Zinssatz: 1,0 % p.a.
- Begriff: 1–24 Monate
- Mindesteinzahlung: CHF 50,000
Compare Fixed-Rate Deposits in Switzerland
Live offers across tracked providers in Switzerland — updated daily from the Giraffy database.
Live offers
18 live offers compared from 17 providers, from 1% brutto. Updated daily.
Kantonalbank Festgeld Kantonalbank CH
1.05% brutto
Festgeldanlage bei einer Schweizer Kantonalbank – kantonale Garantie, stabile Rendite.
- Zinssatz: 1,05 % p.a.
- Begriff: 3–36 Monate
- Mindesteinzahlung: CHF 5,000
ZKB Festgeld ZKB CH
1.10% brutto
Festgeldanlage bei der ZKB – staatliche Garantie, wettbewerbsfähige Schweizer Zinssätze.
- Zinssatz: 1,1 % p.a.
- Begriff: 1–36 Monate
- Mindesteinzahlung: CHF 10,000
Raiffeisen Festgeld CH Raiffeisen CH
1.15% brutto
Festzinssparguthaben von Raiffeisen Schweiz – Genossenschaftsstruktur.
- Zinssatz: 1,15 % p.a.
- Begriff: 1–60 Monate
- Mindesteinzahlung: CHF 5,000
PostFinance Termingeldkonto PostFinance CH
1.20% brutto
Festgeldanlage von PostFinance. In der Schweiz weit verbreitet für langfristige Geldanlagen.
- Zinssatz: 1,2 % p.a.
- Begriff: 3–36 Monate
- Mindesteinzahlung: CHF 10,000
Migros Bank Festgeld Migros Bank CH
1.25% brutto
Festgeldanlage bei der Migros Bank. Wettbewerbsfähige Zinsen mit ethischem Fokus.
- Zinssatz: 1,25 % p.a.
- Begriff: 1–60 Monate
- Mindesteinzahlung: CHF 5,000
Cembra Festgeld CH Cembra Money Bank CH
2.50% brutto
- Zinssatz: 2,5 % p.a.
- Begriff: 1–3 Jahre
- Mindesteinzahlung: CHF 5,000
neon Festgeld CH neon
2.50% brutto
- Zinssatz: 2,5 % p.a.
- Begriff: 3–12 Monate
- Mindesteinzahlung: CHF 500
Bankangestellter Festgeld CH Bank Cler CH
2.60% brutto
- Zinssatz: 2,6 % p.a.
- Begriff: 1–5 Jahre
- Mindesteinzahlung: CHF 5,000
Kantonalbank Festgeld CH Kantonalbank CH
2.60% brutto
- Zinssatz: 2,6 % p.a.
- Begriff: 1–5 Jahre
- Mindesteinzahlung: CHF 1.000
Graubündner KB Festgeld CH Graubündner Kantonalbank
2.60% brutto
- Zinssatz: 2,6 % p.a.
- Begriff: 1–5 Jahre
- Mindesteinzahlung: CHF 1.000
HBL Festgeld CH Hypothekarbank Lenzburg CH
2.70% brutto
- Zinssatz: 2,7 % p.a.
- Begriff: 1–5 Jahre
- Mindesteinzahlung: CHF 1.000
Zuger KB Festgeld CH Zuger Kantonalbank
2.70% brutto
- Zinssatz: 2,7 % p.a.
- Begriff: 1–5 Jahre
- Mindesteinzahlung: CHF 1.000
SGKB Festgeld CH St. Galler Kantonalbank
2.70% brutto
- Zinssatz: 2,7 % p.a.
- Begriff: 1–5 Jahre
- Mindesteinzahlung: CHF 1.000
radicant Feste Einsparungen CH radicant CH
2.80% brutto
- Zinssatz: 2,8 % p.a.
- Begriff: 6–12 Monate
- Mindesteinzahlung: CHF 1.000
Valiant Festgeld CH Valiant Bank CH
2.80% brutto
- Zinssatz: 2,8 % p.a.
- Begriff: 1–5 Jahre
- Mindesteinzahlung: CHF 5,000
Bunq Festgeld CH bunq CH
3% brutto
- Zinssatz: 3,0 % p.a.
- Begriff: 6–12 Monate
- Mindesteinzahlung: CHF 1.000
Raisin 1yr Fixed CH Raisin Switzerland
3.50% brutto
- Zinssatz: 3,5 % p.a.
- Begriff: 1 Jahr
- Mindesteinzahlung: CHF 10,000
What is a fixed deposit in Switzerland?
A fixed deposit (Festgeld or Kassenobligation-style term account) locks a sum of money with a bank for a set period — typically months to several years — in return for a guaranteed interest rate higher than an instant-access savings account. You cannot usually withdraw before maturity without penalty. Swiss savers use fixed deposits to earn a predictable return on money they won't need for a defined horizon, with capital security a key attraction.
How the Swiss market works
Cantonal banks (ZKB, BCV and others under the Kantonalbank umbrella), Raiffeisen, Migros Bank, UBS and specialist consumer banks like Cembra offer term deposits and medium-term notes (Kassenobligationen). Rates depend on term length and the Swiss National Bank's policy rate: longer terms and higher policy rates lift returns. Because pricing is set per bank and term, and interest is fixed at outset, comparing offers across banks and durations is worthwhile before committing funds. Longer commitments generally pay more, rewarding savers who can lock money away, while shorter terms preserve flexibility at a lower rate. Some banks issue medium-term notes (Kassenobligationen) as an alternative structure with similar fixed-return characteristics. Because rates track the Swiss National Bank's policy stance, the attractiveness of fixing depends on where rates sit and where they are expected to go. A common tactic is laddering — splitting savings across several deposits maturing at different dates — so a portion becomes available regularly and can be reinvested at prevailing rates rather than everything maturing at once.
Benefits
Guaranteed return — The interest rate is fixed and known when you deposit.
Higher than instant savings — Locking funds usually earns more than an accessible account.
Capital security — Deposits are covered by esisuisse up to CHF 100,000.
Term flexibility — Choose durations to match savings goals.
How to choose
Match the term to when you will need the money, since early withdrawal is penalised or blocked. Compare rates across banks and durations — this market ranges from around 1% to 3.5% depending on term and provider — and check minimum deposit sizes and how interest is paid. Consider laddering several deposits with staggered maturities for partial liquidity, and remember Swiss interest is subject to 35% withholding tax, reclaimable via your tax return.
Leading providers in Switzerland
Cantonal banks and Raiffeisen offer stable, well-secured term deposits with branch backing; Migros Bank, UBS and ZKB provide competitive medium-term notes; and Cembra Money Bank sometimes leads on rate for retail term products. Bank Cler and bunq add further options. The best pick balances the rate against term flexibility and minimum-deposit requirements, since capital protection is broadly equivalent across licensed Swiss banks.
What it costs
Fixed deposits carry no direct fee — you earn interest, typically between about 1% and 3.5% depending on term and provider. The real cost is opportunity: funds are locked, and breaking the term early usually forfeits interest or incurs a penalty. Net return is reduced by the 35% federal withholding tax deducted at source, which Swiss residents reclaim through their tax filing.
Protections and regulation
Banks are supervised by FINMA, and fixed deposits qualify for esisuisse depositor protection up to CHF 100,000 per client per bank. Interest is subject to the 35% federal withholding tax, reclaimable by declaring the deposit. Terms, including the rate and any early-withdrawal conditions, are fixed at the outset and disclosed in the contract, so read the maturity and penalty terms before locking funds.
Common questions
Can I withdraw early? Generally no without penalty — funds are committed until maturity.
Is the return guaranteed? Yes — the rate is fixed when you open the deposit.
Is my money protected? Yes, up to CHF 100,000 per client per bank under esisuisse.
Fixed-Rate Deposits in Switzerland — FAQ
What is the best fixed deposit rate in Switzerland right now?
Giraffy tracks 5 fixed-rate deposit accounts across UBS CH,Kantonalbank CH,ZKB CH,Raiffeisen CH,PostFinance CH banks in Switzerland. Sort by highest rate and compare term lengths to see which account suits your timeline.
What is a fixed-rate deposit and how does it work?
A fixed-rate deposit (also called a fixed-term bond or term deposit) locks your money away for a set period — typically 3 months to 5 years — in exchange for a guaranteed interest rate. You agree the rate upfront, so rising or falling market rates don't change your return.
Are fixed deposits safe?
Yes — esisuisse protects up to CHF 100,000 per depositor, per bank. Fixed deposits at FINMA-regulated institutions are typically among the lowest-risk savings options available. Rates are guaranteed; your principal and interest are protected up to the scheme limit.
Can I withdraw money early from a fixed deposit?
Most fixed deposits penalise early withdrawal — typically forfeiting 30–180 days of interest, depending on the institution and term length. Some accounts don't allow withdrawal at all before maturity. Check the early-exit penalty before locking in a large sum.
What is the difference between a fixed deposit and an easy-access savings account?
Fixed deposits pay a higher rate in exchange for locking your money away for a defined term. Easy-access accounts let you withdraw any time but pay a lower variable rate. If you have a cash lump sum you won't need for 6–24 months, a fixed deposit typically earns more.
What happens at the end of a fixed deposit term?
At maturity, most banks automatically roll your deposit into a new term at the prevailing rate — which may be higher or lower than your original deal. Set a diary reminder to review and re-compare rates before auto-renewal if you want to ensure you get the best rate available.
How are fixed deposit rates set in Switzerland?
Fixed deposit rates are closely linked to the central bank's benchmark rate. When FINMA (Swiss Financial Market Supervisory Authority) raises rates, banks tend to offer higher deposit returns — and vice versa. Comparing regularly helps you catch rate rises before banks reduce their offers.