{"id":10488,"date":"2026-03-01T21:30:53","date_gmt":"2026-03-01T20:30:53","guid":{"rendered":"https:\/\/www.nexano.ch\/medium-term-notes-march-2026-security-remains-in-demand-in-zero-interest-environment\/"},"modified":"2026-03-01T21:36:21","modified_gmt":"2026-03-01T20:36:21","slug":"medium-term-notes-march-2026-security-remains-in-demand-in-zero-interest-environment","status":"publish","type":"post","link":"https:\/\/www.nexano.ch\/en\/medium-term-notes-march-2026-security-remains-in-demand-in-zero-interest-environment\/","title":{"rendered":"Medium-Term Notes March 2026: Security Remains in Demand in Zero-Interest Environment"},"content":{"rendered":"\n<p>While the Swiss National Bank (SNB) continues to hold its key interest rate at 0%, interest rates for medium-term notes in March 2026 remain stable, but with significant differences between providers.<\/p>\n\n<p>Following the return to zero-interest policy last year, the Swiss money market has stabilized. Savers seeking a secure alternative to savings accounts are increasingly looking at medium-term notes in March 2026. While these do not offer astronomical returns, they do secure a fixed income at a time when many savings accounts barely yield any interest.  <\/p>\n\n<h3 class=\"wp-block-heading\">Top Rates at a Glance<\/h3>\n\n<p>Interest rates vary depending on term and institution. Our <a href=\"https:\/\/www.nexano.ch\/en\/swiss-bank-bonds-comparison\/\">medium-term notes comparison<\/a> on Nexano shows that regional banks generally lead the field, while major banks remain more conservative. <\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Term<\/strong><\/td><td><strong>Rate<\/strong><\/td><td><strong>Top Provider<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>2 years<\/strong><\/td><td>0.9%<\/td><td><a href=\"https:\/\/www.cer.ch\/\" target=\"_blank\" rel=\"noreferrer noopener\">Caisse d\u2019Epargne Riviera<\/a><\/td><\/tr><tr><td><strong>5 years<\/strong><\/td><td>1.05%<\/td><td><a href=\"https:\/\/www.hypobank.ch\/\" target=\"_blank\" rel=\"noreferrer noopener\">Hypo Vorarlberg St. Gallen<\/a><\/td><\/tr><tr><td><strong>10 years<\/strong><\/td><td>1.50%<\/td><td><a href=\"https:\/\/www.hypobank.ch\/\" target=\"_blank\" rel=\"noreferrer noopener\">Hypo Vorarlberg St. Gallen<\/a><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Top rates in the Nexano medium-term notes comparison &#8211; as of March 1, 2026 <\/figcaption><\/figure>\n\n<h3 class=\"wp-block-heading\">Why Medium-Term Notes Can Make Sense Now<\/h3>\n\n<p>Despite nominally low interest rates, the<strong> <\/strong>real return (interest minus inflation) remains an important consideration. Since inflation in Switzerland is forecast at extremely low levels of 0.2% to 0.3% in March 2026, investors achieve a genuine purchasing power gain with medium-term notes above 0.5%. <\/p>\n\n<h3 class=\"wp-block-heading\">Outlook<\/h3>\n\n<p>Many market observers currently assume that the Swiss National Bank could keep its policy rate at 0% until the end of 2026. Accordingly, no significant short-term rate moves are expected for medium-term notes. If you would like to lock in the current interest rate level, you can check whether taking one out at this time makes sense. Should the economy continue to weaken, further rate cuts would also be conceivable in principle.   <\/p>\n\n<p>Use our <a href=\"https:\/\/www.nexano.ch\/en\/swiss-bank-bonds-comparison\/\"><strong>medium-term notes comparison<\/strong><\/a> now and calculate your return with our <a href=\"https:\/\/www.nexano.ch\/en\/cash-bond-calculator\/\"><strong>medium-term notes calculator<\/strong><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>While the Swiss National Bank (SNB) continues to hold its key interest rate at 0%, interest rates for medium-term notes in March 2026 remain stable, but with significant differences between providers. Following the return to zero-interest policy last year, the Swiss money market has stabilized. Savers seeking a secure alternative to savings accounts are increasingly [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10489,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[37],"class_list":["post-10488","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en","tag-cash-bonds"],"_links":{"self":[{"href":"https:\/\/www.nexano.ch\/en\/wp-json\/wp\/v2\/posts\/10488","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nexano.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nexano.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nexano.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nexano.ch\/en\/wp-json\/wp\/v2\/comments?post=10488"}],"version-history":[{"count":2,"href":"https:\/\/www.nexano.ch\/en\/wp-json\/wp\/v2\/posts\/10488\/revisions"}],"predecessor-version":[{"id":10495,"href":"https:\/\/www.nexano.ch\/en\/wp-json\/wp\/v2\/posts\/10488\/revisions\/10495"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nexano.ch\/en\/wp-json\/wp\/v2\/media\/10489"}],"wp:attachment":[{"href":"https:\/\/www.nexano.ch\/en\/wp-json\/wp\/v2\/media?parent=10488"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nexano.ch\/en\/wp-json\/wp\/v2\/categories?post=10488"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nexano.ch\/en\/wp-json\/wp\/v2\/tags?post=10488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}