LOMBARD LOAN
More liquidity with a Lombard Loan.
A Lombard Loan enables you to increase your purchasing power and take advantage of new market opportunities without having to inject new liquidity or sell your assets. Borrow at attractive rates against the value of your securities and cryptocurrency holdings, in just a few click.
Additional capital without selling assets in your portfolio
Interest is debited only on the amount used
Apply for a loan online and boost your buying power in just a few clicks
- Multi-currency: Swissquote Lombard Loans are available in EUR, USD and 20 other currencies of your choice.
- Crypto-friendly: you can now also use your cryptos as collateral.
- Simple and easy: apply for and manage your Lombard Loan online, wherever you are.
- Real-time: monitor your margin balance in real-time.
- Attractive conditions: discover our competitive margin rates and only pay interests on what you use, with no additional administrative costs.
Interest is debited only on the amount used.
| Currency | Benchmark rate Feb 28, 2025 | Effective rate (BM rate +1.95%) |
|---|---|---|
 EUR | 2.713% | 4.663% |
 USD | 4.351% | 6.301% |
 GBP | 4.515% | 6.465% |
Discover all our Lombard Loan rates here
The Lombard Loan interest rate includes the benchmark plus Swissquote's margin rate.
Benchmark rate = monthly average of one-month market indices: ESTR1Month (EUR), SOFR1Month (USD), SARON1Month (CHF), BBSW1Month (AUD), CDOR1Month (CAD), SONIA1Month (GBP), JIBA1Month (ZAR), STIB1Month (SEK), NIBOR1Month (NOK), CIBO01Month (DKK), TONA1Month (JPY), HIHD01Month (HDK), BOFX1Month (THB), TELEBOR01Month (ILS), WIBO1Month (PLN), IN001Month (INR), SORACA1Month (SGD), BUBOR01Month (HUF), NDBB1Month (NZD), TRLIB1Month (TRY), SEDA1MRE (ISK), JIIN1Month (IDR), MXIBTIIE (MXN), BZDIOVRA (BRL), BUBR1Month (RON), EIBO1Month (AED), SHIF1Month (CNH). Debit interest will be charged quarterly in arrears. In case of negative reference interest rates, a calculation basis of 0% is used.
Lombard loan x ESG power
The ESG score gives your Lombard Loan a boost. By integrating ESG into your strategy, through diversification and the sustainability criteria of your investments, it is now possible to increase the amount of your Lombard Loan with ease.
How to apply for a Lombard loan
Follow the instructions
- Click on the arrow next to "Potential increase of your buying power" in your account overview
- Click on "Apply for a Lombard Loan"
- Follow the detailed instructions