{
  "banks": [
    {
      "checked_at": "2026-10-18T05:37:59.571528800Z",
      "id": "ch/cler",
      "offers": [
        {
          "bank": "ch/cler",
          "conditions": [
            "Fixed rate for the term",
            "Covered by Swiss deposit insurance up to CHF 100,000 (per its page)"
          ],
          "currency": "CHF",
          "kind": "board",
          "product": "Kassenobligation",
          "rate": 0.6,
          "segment": "personal",
          "source_url": "https://www.cler.ch/de/anlegen/kassenobligationen",
          "tenure_months": 24
        },
        {
          "bank": "ch/cler",
          "conditions": [
            "Fixed rate for the term",
            "Covered by Swiss deposit insurance up to CHF 100,000 (per its page)"
          ],
          "currency": "CHF",
          "kind": "board",
          "product": "Kassenobligation",
          "rate": 0.7,
          "segment": "personal",
          "source_url": "https://www.cler.ch/de/anlegen/kassenobligationen",
          "tenure_months": 36
        },
        {
          "bank": "ch/cler",
          "conditions": [
            "Fixed rate for the term",
            "Covered by Swiss deposit insurance up to CHF 100,000 (per its page)"
          ],
          "currency": "CHF",
          "kind": "board",
          "product": "Kassenobligation",
          "rate": 0.8,
          "segment": "personal",
          "source_url": "https://www.cler.ch/de/anlegen/kassenobligationen",
          "tenure_months": 48
        },
        {
          "bank": "ch/cler",
          "conditions": [
            "Fixed rate for the term",
            "Covered by Swiss deposit insurance up to CHF 100,000 (per its page)"
          ],
          "currency": "CHF",
          "kind": "board",
          "product": "Kassenobligation",
          "rate": 0.9,
          "segment": "personal",
          "source_url": "https://www.cler.ch/de/anlegen/kassenobligationen",
          "tenure_months": 60
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    },
    {
      "checked_at": "2026-10-18T05:37:59.571528800Z",
      "id": "ch/migrosbank",
      "offers": [
        {
          "bank": "ch/migrosbank",
          "conditions": [
            "Minimum CHF 5,000 in steps of CHF 1,000",
            "Term 2 to 10 years (terms over 5 years not listed here)"
          ],
          "currency": "CHF",
          "kind": "board",
          "max_deposit": 1000000,
          "min_deposit": 5000,
          "product": "Kassenobligation",
          "rate": 0.55,
          "segment": "personal",
          "source_url": "https://www.migrosbank.ch/de/privatpersonen/anlegen/anlageinstrumente/kassenobligationen.html",
          "tenure_months": 24
        },
        {
          "bank": "ch/migrosbank",
          "conditions": [
            "Minimum CHF 5,000 in steps of CHF 1,000",
            "Term 2 to 10 years (terms over 5 years not listed here)"
          ],
          "currency": "CHF",
          "kind": "board",
          "max_deposit": 1000000,
          "min_deposit": 5000,
          "product": "Kassenobligation",
          "rate": 0.65,
          "segment": "personal",
          "source_url": "https://www.migrosbank.ch/de/privatpersonen/anlegen/anlageinstrumente/kassenobligationen.html",
          "tenure_months": 36
        },
        {
          "bank": "ch/migrosbank",
          "conditions": [
            "Minimum CHF 5,000 in steps of CHF 1,000",
            "Term 2 to 10 years (terms over 5 years not listed here)"
          ],
          "currency": "CHF",
          "kind": "board",
          "max_deposit": 1000000,
          "min_deposit": 5000,
          "product": "Kassenobligation",
          "rate": 0.75,
          "segment": "personal",
          "source_url": "https://www.migrosbank.ch/de/privatpersonen/anlegen/anlageinstrumente/kassenobligationen.html",
          "tenure_months": 48
        },
        {
          "bank": "ch/migrosbank",
          "conditions": [
            "Minimum CHF 5,000 in steps of CHF 1,000",
            "Term 2 to 10 years (terms over 5 years not listed here)"
          ],
          "currency": "CHF",
          "kind": "board",
          "max_deposit": 1000000,
          "min_deposit": 5000,
          "product": "Kassenobligation",
          "rate": 0.8,
          "segment": "personal",
          "source_url": "https://www.migrosbank.ch/de/privatpersonen/anlegen/anlageinstrumente/kassenobligationen.html",
          "tenure_months": 60
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    }
  ],
  "benchmarks": [
    {
      "country": "ch",
      "date": "2026-10-09",
      "label": "SNB policy rate",
      "page": "https://www.snb.ch/en/the-snb/mandates-goals/monetary-policy/decisions",
      "status": "ok",
      "value": 0.0,
      "verified_at": "2026-10-18T06:33:56.430771376Z"
    },
    {
      "country": "ch",
      "date": "2026-10-09",
      "label": "SARON (Swiss Average Rate Overnight)",
      "page": "https://data.snb.ch/en/topics/ziredev/cube/snbgwdzid",
      "status": "ok",
      "value": -0.04,
      "verified_at": "2026-10-18T06:33:57.428617585Z"
    }
  ],
  "country": "ch",
  "currency": "CHF",
  "deposit_insurance": {
    "checked": "2026-10-18",
    "limit": 100000,
    "scheme": "esisuisse (Swiss depositor protection)",
    "source": "https://www.esisuisse.ch/en",
    "summary": "In the event of a bank's bankruptcy, Swiss deposit insurance (esisuisse) protects deposits up to CHF 100,000 per client and per bank; this guarantee is regulated by law."
  },
  "generated_at": "2026-10-18T05:37:59.571528800Z",
  "name": "Switzerland",
  "terms": "Free to use with attribution: link to https://getdeposited.com. Rates are as published by each bank at the time shown; verify with the bank."
}