Your starting point for sustainable banking
Start saving sustainably with wiLLBe. With our free cash account at Liechtensteinische Landesbank, one of the safest universal banks in the world, you save from your first deposit. Benefit from advantageous interest rates of 3.80 % EUR, 1.55 % CHF and 4.75 % USD. Your money grows from day one, and you can withdraw it any time.
How you benefit with wiLLBe
First-class interest rates
With the wiLLBe cash account, you can secure top interest rates in the world’s most important currencies.
Worry-free saving with zero risk
Saving is fun with wiLLBe, the risk-free way to make more out of your money over the long term.
Freedom guaranteed – the wiLLBe pledge
No commitment, no fees, and available every day – the wiLLBe instant access savings account.
Simple interest rate structure for all
Our interest rates are fair. It makes no difference whether you are just starting with wiLLBe or have been with us for a longer time. There are no limited terms and no introductory offers.
Our tiered interest rates are designed purely to minimise your currency risk.
| Total deposits | CHF account | EUR account | USD account |
|---|---|---|---|
| up to 50,000 | 1.55 % | 3.80 % | 4.75 % |
| up to 100,000 | 1.25 % | 3.50 % | 4.45 % |
| from 100,000 | 0.25 % | 0.25 % | 0.25 % |
Interest rate scale
With wiLLBe you benefit from a quarterly interest payment on your cash account. The interest rate scale is applied as follows: If there is a balance of EUR 110,000 in a wiLLBe cash account, interest is applied as follows:
| EUR 50,000 at 3.80 % | EUR 1,900 |
| EUR 50,000 at 3.50 % | EUR 1,750 |
| EUR 10,000 at 0.25 % | EUR 25 |
Interest rate adjustments
The interest rates are valid until further notice. It’s likely that the interest rates could either increase or decrease in the event that one of the relevant central banks (CHF, SNB; EUR, ECB; USD, Fed) changes its key interest rate.
The wiLLBe cash account allows you to earn a fixed interest rate on money that you are not currently looking to invest. Whether you just want to park your savings somewhere for a while, or are looking to earn interest on them in order to fund future purchases, our cash account is the perfect home for your money.
The wiLLBe cash account at a glance
With the wiLLBe cash account, you can save money with the Liechtensteinische Landesbank (LLB). The LLB has more than 160 years’ banking experience and is majority-owned by the state of Liechtenstein. We have an «Aa2» rating from Moody’s – just two levels below the highest rating. To put it briefly, depositing your cash with LLB is depositing your money at one of the safest banks in the world.
And that’s not all: for amounts up to EUR / CHF / USD 50,000, you benefit from attractive interest rates of 3.80 % for EUR, 1.55 % for CHF or 4.75 % for USD. And all of this without any withdrawal limits, meaning you can instantly withdraw cash at any time. And, with insurance for up to CHF 100,000, the benefits just keep coming. Thanks to the Deposit Grantee and Investor Compensation Foundation (PCC), as of July 2023 savings deposits in Liechtenstein are insured up to CHF 100,000 (approximately EUR 103,000) and are therefore risk-free.
Got enough money saved? Then it’s time to invest!
Do you want to go from a saver to an investor? No problem. You can get started with as little as EUR / CHF 200. As soon as you have enough saved, you can use the wiLLBe investment app to put your cash into sustainable investments with just a few clicks. You can choose from 7 investment topics that are close to your heart and invest in ESG-compliant investment packages and shares.
We also offer top conditions for investments. With an all-in fee of 0.49 %, we are one of the fairest providers on the market. This compares very favourably with the other top 30 investment apps in Switzerland and Germany.
If you’re interested in this offer, simply download the wiLLBe investment app from the App Store or Google Play now. wiLLBe is your starting point for sustainable banking.
