Swiss savings accounts have regained attractive rates in 2026 (up to 1.2%). Neo-banks often beat traditional banks but with caps. Polia compares 30+ accounts on rate, terms, caps and fees.
Competitive rates
0.5-1.2% depending on bank and cap.
100k CHF guaranteed
esisuisse for Swiss-licensed banks.
FAQ
- How much to save?
- Emergency fund 3-6 months. Beyond, consider 3a or funds.
- Cap on best rates?
- Usually yes: 50k-100k at top rate, excess at lower rate. Polia lists each limit.