MONEY MARKETS
Term & Fiduciary Deposits
Enjoy higher interest rates for your deposits
with fixed/flexible placement durations
Swissquote and a selection of 10 banks to choose from
with our Lombard loan against the pledge of your deposit
Call us on +41 44 825 88 88 to find out our latest rates and place your order.
Please select a bank to display the indicative rates. All rates are displayed net, and for an invested amount of EUR 100'000 – 499'999 (or CHF/USD equivalent). See below for commission on paid interest for higher amounts. Shorter periods available upon request.
| 3M | 6M | 9M | 12M | CALL | |
|---|---|---|---|---|---|
| CHF | 0.66% | 0.62% | 0.58% | 0.54% | N/A |
| EUR | 3.26% | 3.13% | 2.98% | 2.85% | 2.6% |
| USD | 4.73% | 4.76% | 4.69% | 4.52% | 4.4% |
| Term Deposits | Fiduciary Deposits | |
|---|---|---|
| Placement duration | Fixed from 1 to 12 months or flexible with 48h notice period (Call) | |
| Minimum investment amount | CHF/EUR/USD 100'000 (or higher, depending on counterparty) | |
| Currencies offered | CHF/EUR/USD/GBP/CAD/AUD or other currencies upon request | |
| Payment of interests | On maturity for fixed placements / Quarterly for call placements | |
| Value date for operations | 48 hours – D+2 | |
| Order placement | By telephone on +41 44 825 88 88 | |
| Counterparty | Swissquote Bank | Your choice among 10 partner banks |
| Ticket Fee | 0 | CHF/EUR/USD 25 or equivalent value in EUR |
| Commission on paid interests | None | Based on the amount of the nominal in CHF/EUR/USD or equivalent in EUR. • 100'000 – 499'999: 10% • 500'000 – 999'999: 8% • Over 1'000'000: 5% |
| Withholding tax | 35% on interests | Not Applicable |
| Increase / Decrease of capital (call deposits only) | CHF/EUR/USD 25 or equivalent in EUR | |
| Ancillary fees | VAT applicable to commissions paid (Swiss residents only) | |
You can easily request a Lombard Loan with attractive conditions by pledging up to 90% of the value of the funds locked in a term or fiduciary deposit.
This means that even as your money is generating interest, you can rapidly obtain the liquidity to seize new investment opportunities, at any time.