Term & Fiduciary Deposits
Enjoy higher interest rates for your deposits
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 | 0.05% | 0.02% | -0.04% | -0.02% | -0.04% | -0.07% | -0.07% | -0.07% | -0.07% | -0.07% |
EUR | 1.7% | 1.89% | 1.83% | 1.53% | 1.49% | 1.71% | 1.43% | 1.65% | 1.38% | 1.6% |
USD | 3.59% | 3.84% | 3.57% | 3.81% | 3.8% | 3.54% | 3.77% | 3.76% | 3.75% | 3.74% |
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.
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) |
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.