MONEY MARKETS
Term & Fiduciary Deposits
Enjoy higher interest rates for your deposits
Easily start a fixed term deposit online from just 50’000 CHF/USD/EUR
Swissquote and a selection of 10 banks to choose from
with our Lombard loan against the pledge of your deposit
Interest Rates
Starting from just 50'000 CHF/EUR/USD, allocate funds online directly from your Swissquote account. Choose your ideal term length in months to match your financial objectives. See our competitive rates below.
| 3M | 4M | 5M | 6M | 7M | 8M | 9M | 10M | 11M | 1Y | |
|---|---|---|---|---|---|---|---|---|---|---|
| CHF | -0.34% | -0.36% | -0.38% | -0.4% | -0.38% | -0.4% | -0.39% | -0.39% | -0.39% | -0.39% |
| EUR | 1.41% | 1.38% | 1.36% | 1.34% | 1.32% | 1.31% | 1.29% | 1.29% | 1.28% | 1.28% |
| USD | 3.82% | 3.78% | 3.75% | 3.71% | 3.66% | 3.63% | 3.6% | 3.57% | 3.53% | 3.25% |
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.
Call us on +41 44 825 88 88 to find out our latest rates and place your order.
Conditions & Pricing
| Fixed-term Deposits | Fiduciary Deposits | |
|---|---|---|
| Placement duration | Fixed from 1 to 12 months | Fixed from 1 to 12 months or flexible with 48h notice period (Call) |
| Minimum investment amount | CHF/EUR/USD 50'000 | CHF/EUR/USD 100'000 (or higher, depending on counterparty) |
| Currencies offered | CHF/EUR/USD | CHF/EUR/USD/GBP/CAD/AUD or other currencies upon request |
| Payment of interests | On maturity for fixed placements | On maturity for fixed placements / Quarterly for call placements |
| Value date for operations | - | 48 hours – D+2 |
| Order placement | Online | By telephone on +41 44 825 88 88 |
| Counterparty | Swissquote Bank | Your choice among 10 partner banks |
| Ticket Fee | 0, except for any increase / decrease / liquidation of capital | 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 | - |
| 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) |
| Early termination fee | 2% penalty on the deposit amount + financing cost until contractual maturity | - |
Access the“Plan” section of your Swissquote platform to request a fixed-term deposit
Specify your desired duration, currency and deposit amount
Select the account to debit, review the summary, and confirm to start earning higher interests!
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.