I have a 10k fund emergence where do i save it?

[toesockshoe]

I need tips to find solutions to keep my 10k and get some interest and in case i need it i can withdraw without a problem?
Do you guys have any tips

 

[ahhhh]

@toesockshoe I can send you my IBAN, you care save it there

 

[felicitypenny]

@ahhhh While this sounds super funny, since your bank account is tied to your identiy, you'd just be a nice redditor that keeps the money and returns it to the sender in a reasonable time

 

[ahhhh]

@felicitypenny Obviously, I would return it

 

[slynne]

@toesockshoe Do not listen to anybody who tells you to put it in crypto or an index fund...

Any instant access savings account will do. Or, even just directly in your current account.

 

[toesockshoe]

@slynne Any idea of the better one? Can’t find better than 1.1% at Credit Suisse but i’m afraid of them

 

[othersteeve]

@toesockshoe google best interest, and chose from your location. i have maked the same for my notgroschen.

 

[slynne]

@toesockshoe Personally in the interest of keeping life simple I'd just use whoever I have my main account with even if it's not the best interest rate. For 10k shopping for half-percent differences in interest rates is a bit of a microoptimisation, there's surely more money than that available to be optimised elsewhere. (I'm not saying 10k isn't a good chunk of money of course, but compared to the 6/7 figure sums people are dealing with for e.g. retirement or real estate later in life it's a microoptimisation).

If I was looking for a new savings account, I'd also look at changing my entire banking package in general.

 

[lucakes]

@toesockshoe Doesnt UBS currently have some offer with 1.75%? Not quite sure about the fees tho.

 

[musazi]

@toesockshoe for high-interest savings accounts you'll want to go to the regional, cantonal or raiffeisen banks generally. the big ones are big because they keep the lion's-share for themselves

 

[mynu]

@toesockshoe Wirbank has a better offer. Saw it through a promo at VIAC.

 

[mynu]

Until Feb 2025, they offer 1.8%, then a new rate will be set.

 

[peace345]

@toesockshoe credit suisse is a fine bank to put it in, first it was merged with ubs so youre essentially giving it to them, but even if not, credit suisse was still a good bank, just bad publicity ruined the stock.

 

[letthrmusixsaveyourlife]

@toesockshoe Some banks currently give 1.75% for new money till 25000.-

 

[billypopp]

@toesockshoe put it in a bank, 10'000CHF is not an amount where it's really worth it to put it into anything more than a savings account

 

[sittingathisfeet]

@billypopp Especially if it’s an emergency fund.

 

[type1mom]

@toesockshoe WIR bank 1.8% until end February 2025, you are welcome

 

[richdawg]

@type1mom this this

 

[trekdad99]

@toesockshoe Banks? In Switzerland? Phew, good luck!

 

[bod2411]

@toesockshoe Literally any bank?