Finance

Negativzinsen

Negative Interest

Simple Definition

A historical anomaly (2015-2022) where banks charged you fees for holding cash. Currently over (positive interest is back!).

Why this matters to Expats.

You might still hear people complaining about it. For years, keeping >CHF 100k in cash COST you money (-0.75%). Now, you actually earn interest again (e.g. 0.5% - 1.0% on savings).

Actionable Intelligence

Shop Around: Swiss banks are slow to raise rates. Neo-banks (Zak, Neon, Yuh) often offer much better interest rates than the big legacy banks (UBS/CS).

Safe Haven: Even with low interest, the CHF is a safe haven currency, protecting you against inflation relative to EUR/USD.

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