MONEY MARKETS
Term & Fiduciary Deposits
Enjoy higher interest rates for your deposits
with fixed/flexible placement durations
Swissquote and a selection of 10 banks to choose from
with our Lombard loan against the pledge of your deposit
Call us on +41 44 825 88 88 to find out our latest rates and place your order.
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.
| 3M | 6M | 9M | 12M | CALL | |
|---|---|---|---|---|---|
| CHF | 0.15% | 0.07% | N/A | 0.06% | N/A |
| EUR | 2.51% | 2.18% | 1.96% | 1.82% | 2.1% |
| USD | 3.98% | 4.11% | 4.14% | 4.09% | 3.75% |
| Placement duration | Fixed from 1 to 12 months or flexible with 48h notice period (Call) |
| Minimum investment amount | CHF/EUR/USD 100'000 (or higher, depending on counterparty) |
| Currencies offered | CHF/EUR/USD/GBP/CAD/AUD or other currencies upon request |
| Payment of interests | On maturity for fixed placements / Quarterly for call placements |
| Value date for operations | 48 hours – D+2 |
| Order placement | By telephone on +41 44 825 88 88 |
| Counterparty | Your choice among 10 partner banks |
| Ticket Fee | CHF/EUR/USD 25 or equivalent value in EUR |
| Commission on paid interests | 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 | Not Applicable |
| 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) |
| Counterparty | Swissquote Bank |
| Ticket Fee | 0, except for any increase / decrease / liquidation of capital (only for call deposits) |
| Commission on paid interests | None |
| Withholding tax | 35% on interests |
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.