CA Libre Epargne instant-access savings
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CA Libre Epargne CHF savings account
Build up instant-access savings

With a CHF or EUR CA Libre Epargne account, you build up your capital at your own pace, while retaining access to your money at all times. With this flexible savings account, you can withdraw up to CHF / EUR 20,000 per month, without notice.
One of the most competitive interest rates in Switzerland: up to 0.30% (CHF)1 / 0.60% (EUR)2
Money available any time, up to CHF / EUR 20,000 per month
No negative interest rates

Interest rates

CA Libre Epargne CHF : 0.30%1

CA Libre Epargne EUR : 0.60%2

Save at one of the most competitive rates in Switzerland.

Funds may be accessed at any time

Build up capital in complete freedom, to use according to your wishes and your needs, in case of unforeseen circumstances or to plan a purchase.

Save in CHF and EUR

You can save in CHF and/or in EUR.


  • Currency: CHF and/or EUR
  • Account opening and closing: free of charge
  • Annual statement: free of charge
  • Transfer of funds: free of charge
  • Blocking of funds: none
  • Lower limit: none
  • Payments: not mandatory
  • Number of annual withdrawals: unlimited
  • CA Libre Epargne CHF withdrawal limit: CHF 20,000/month
  • CA Libre Epargne EUR withdrawal limit: EUR 20,000/month
  • Notice for withdrawal higher than the limit: 3 months1
  • Payment limit CHF: 200'000.-
  • Payment limit EUR: 1'000'000
  • Withholding tax: 35% on interest of CHF 200 or more

Additional information

The CA Libre Epargne savings account is automatically included in CA Start, CA Extra and CA First packages.

Package fees

  • CA Start CHF 5 /month
  • CA Extra CHF 12 /month
  • CA First CHF 15 /month
1 If the withdrawal limit is exceeded without notice, a penalty of 2% per quarter is automatically applied to the amount exceeding the limit. If the withdrawal limit is exceeded with less than three months' notice, the penalty is reduced proportionally. No penalty applies when you switch your CA Libre Epargne to a CA Evolution or CA myHome account.

Crédit Agricole next bank (Switzerland) SA reserves the right to adjust its fees, services and interest rates.

1 Displayed rates valid from 01.01.2023
2 Displayed rates valid from 01.12.2022