January brings with it an inflow of bank statements – including savings account statements. It also provides a good opportunity to review your savings strategy. For that reason, independent online comparison service moneyland.ch used data from its interactive comparison to evaluate the interest rates of 133 savings account offers from 85 different Swiss banks.
At this point in time, Swiss savings accounts for adults yield an average of just 0.11 percent interest per annum (unweighted average). “That translates into a return of just 1.10 francs per year for every 1000 francs in your savings account balance,” calculates Ralf Beyeler from moneyland.ch. Half-a-year ago, the average was still 0.18 percent per annum, so interest rates have gone down substantially.
But in spite of the low interest rates, using savings accounts still makes sense for many people. A savings account is particularly well suited to holding an emergency fund. Savings accounts are also used by many people who do not invest in securities.
How much interest do Swiss banks pay for savings?
With an interest rate of 1 percent, the Caisse d’Epargne d’Aubonne – a regional bank in the canton of Vaud – pays the most interest, by a wide margin. It is important to note, though, that this savings account has particularly restrictive conditions, with 12 months of notice required for withdrawals exceeding 10,000 francs per year.
The figures show that there are also other regional banks with exceptionally-high interest rates for savings. The interest rates from larger banks are substantially lower. Among the large banks, the Basler Kantonalbank pays the most interest, at 0.1 percent per annum, followed by Valiant with 0.075 percent. Postfinance is at the bottom of the list, with savings accounts for adults yielding no interest at all.
How much interest do neobanks pay?
There was a time when Swiss neobanks paid relatively high interest on account balances. But today, Yuh and Neon do not pay any interest at all. Savings accounts from Zak (0.2 percent per annum) and Alpian (0.01 or 0.1 percent per annum) still yield interest.
Comparing pays off
As the table shows, the differences between banks are large. Even if you have no plans of using a different bank for your everyday banking, you can still open an additional savings account at a different bank. To add perspective, holding a 10,000-franc emergency fund yields around 5 francs of interest per year at a typical Swiss bank, but 100 francs per year at the Caisse d’Epargne d’Aubonne.
The interest rate span between banks is large
The moneyland.ch analysis also reveals a huge gap between the lowest-yield and highest-yield savings accounts. In 2022, when the unweighted average interest rate was similar to today’s, at 0.10 percent per annum, the interest rate of the highest-yield account was just four times higher than the average. The current span is much wider than that.
Methodology
The moneyland.ch interest rate analysis uses data from the interactive savings account comparison. The interest rates used were recorded in early January, 2026. The analysis accounts for standard savings accounts for adults. The data used covers personal savings accounts from all of the large Swiss banks, plus many smaller banks and regional banks.
Average interest rate calculations are based on data from 133 savings account offers from 85 Swiss banks.
The table accounts for savings accounts from six large Swiss banks with branch offices across the country, the four biggest cantonal banks, and five other Swiss banks with exceptionally high interest rates.
The evaluation does not account for special promotional offers, higher interest rates for new money, savings accounts for shareholders, and offers limited to young people or seniors. It also does not account for pillar 3a accounts and vested benefits accounts.
Older savings account analyses from moneyland.ch:
September 2025: Swiss banks are increasingly cutting interest rates
July 2025: Savings account interest rates collapse
January 2025: Interest rates for savings slide across the board
Deal of the Day 
