MONEY MARKETS

Term & Fiduciary Deposits

Enjoy higher interest rates for your deposits

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Call us on +41 44 825 88 88 to find out our latest rates and place your order.

Interest Rates

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.

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3M6M9M12MCALL
CHF0.88%0.89%0.88%0.87%N/A
EUR3.37%3.3%3.21%3.13%2.6%
USD4.85%4.99%5%4.9%4.4%

Conditions & Pricing

 Term DepositsFiduciary Deposits
Placement durationFixed from 1 to 12 months or flexible with 48h notice period (Call)
Minimum investment amountCHF/EUR/USD 100'000 (or higher, depending on counterparty)
Currencies offeredCHF/EUR/USD/GBP/CAD/AUD or other currencies upon request
Payment of interestsOn maturity for fixed placements / Quarterly for call placements
Value date for operations48 hours – D+2
Order placementBy telephone on +41 44 825 88 88
CounterpartySwissquote BankYour choice among 10 partner banks
Ticket Fee0CHF/EUR/USD 25 or equivalent value in EUR
Commission on paid interestsNoneBased 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 tax35% on interestsNot Applicable
Increase / Decrease of capital (call deposits only)CHF/EUR/USD 25 or equivalent in EUR
Ancillary feesVAT applicable to commissions paid (Swiss residents only)

Did you know?

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.

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Be aware of the risk

Trading foreign exchange, spot precious metals and any other product on the Forex platform involves significant risk of loss and may not be suitable for all investors. Prior to opening an account with Swissquote, consider your level of experience, investment objectives, assets, income and risk appetite. The possibility exists that you could sustain a loss of some or all of your initial investment and therefore you should not speculate, invest or hedge with capital you cannot afford to lose, that is borrowed or urgently needed or necessary for personal or family subsistence. You should be aware of all the risks associated with foreign exchange trading, and seek advice from an independent financial advisor if you have any doubts. The content of this website represents advertising material and has not been submitted to nor approved by any supervisory authority.