Deposit calculator 2026 — Switzerland: interest and the CHF 100,000 protection

In Switzerland deposits are protected up to CHF 100,000 per client and bank by esisuisse, the depositor protection scheme of Swiss banks.

Example for the default values — change any field and the result updates.

Final amount11,047 CHF
Interest earned1,047 CHF
Covered by the deposit guarantee11,047 CHF
Not covered (above the limit)0 CHF

The result is an estimate, not financial or legal advice. Check the exact terms with the company.

Verified companies: Banks · Switzerland

  1. 1Berner Kantonalbank95/100
  2. 2Raiffeisen93/100
  3. 3Luzerner Kantonalbank89/100
  4. 4Migros Bank88/100
  5. 5PostFinance86/100

See the full ranking

How it is calculated

Interest is calculated monthly at the annual rate ÷ 12. With monthly capitalization it is added to the balance and earns interest itself: final amount = amount × (1 + r)^n, where r is the monthly rate and n the number of months. Without capitalization interest is charged on the principal only and paid out: interest = amount × r × n.

A top-up is added at the end of every month except the last and earns interest from the next month. Interest earned = final amount − the deposit − all top-ups.

The insured amount is the part of the final amount (principal plus interest) within the guarantee limit per depositor and bank; the rest is uninsured. The limit applies to all your accounts in one bank together, so add up your other balances there. Taxes on interest and the bank's own day-count rules are not included.

Frequently asked questions

How much is protected in a Swiss bank?

CHF 100,000 per client and bank, across all accounts in the client's name.

Sources