Savings Account Flex

per year

Savings Account Flex

per year

The flexible investment

Smart and flexible saving with the Savings Account Flex. You benefit from an attractive interest rate, a withdrawal limit of up to CHF 20,000 every 30 days and a notice period of just one month for larger amounts.

Open a free account

Maximum flexibility

With the Savings Account Flex, you can withdraw up to CHF 20,000 every 30 days and also benefit from a notice period of just one month.


We are a Swiss bank with depositor protection. Your savings are protected up to CHF 100,000 per customer relationship.


Your Savings Account Flex is free of charge to open and maintain. There are also no fees for deposits, transfers or withdrawals.


mySavings allows you to maintain an overview of all your savings products online. You can access your savings, annual interest income and tax documents online at any time.

100% digital

You can open an account online in just a few minutes, with no fuss or paperwork. You can manage your account online at any time, view account transactions and send us orders.

Services and conditions
Flex Savings Account

Interest rate1

1.00% per year


Private persons from the age of 18 with a Swiss domicile

Withdrawal / availability2

Withdrawal limit of CHF 20,000 every 30 days; for higher amounts, a notice period of one months applies. This notice period does not apply if investing in a savings product (account or medium-term note) with higher interest payments from Cembra Money Bank AG.


  • Preferential interest rate from the first Swiss franc
  • Market-oriented interest rate
  • No maximum amount

Withholding tax

35% of gross interest income, if interest is higher than CHF 200

Account overdraft

Not possible

Account opening

Free of charge, 100% online

Account management


Booking and balancing charges


Account statement/balance

Free, annually as of 31 December

Online access

Free access to mySavings, account queries possible

Further provisions

Uncomplicated paperless communication exclusively via mySavings access.

Payments can be made easily via IBAN and QR payment slip.

Simply notify us of withdrawals online via mySavings.

The General Terms and Conditions for savings products of Cembra Money Bank AG apply.
1 As of: 28.03.2024. The effective interest rate may be adjusted by the Bank at any time and without prior announcement.
2 If the notice period is not complied with, an early withdrawal penalty of 2% is charged on the amount in excess of the available withdrawal options.

Other savings products

Children's Savings Account

Lay the foundations today to help your children make smaller or larger plans a reality.

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Savings Account

Your balanced investment and ideal solution for medium-term savings – benefit from preferential interest rates and a 3-month notice period.

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Savings Account Plus

Your high-interest investment and best choice for maximum returns – benefit from the highest interest rate with a 6-month notice period.

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Medium-term note

We guarantee the interest rate. Benefit from a fixed interest rate for the entire term of your medium-term notes.

Find out more

Medium-term notes

Benefit from a fixed interest rate for the entire term of your medium-term notes. This means you know in advance how much income you will generate.


Easily and securely manage your savings products online. With mySavings, you can access your savings, account transactions and tax documents at all times and send orders directly to us.