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CHF savings in Switzerland — 18.5% APY with progressive withdrawals

Your money growing in Switzerland.

Your CHF earns 18.5% APY. At each milestone — months 1, 2, 3, 6, and 12 — a tranche unlocks for withdrawal. The rest keeps compounding.

See how it works

Investment amount

CHF 1,000CHF 1,000,000

Withdrawal schedule

MonthBalanceAvailable
1moCHF 10,142+CHF 1521.5%
2moCHF 10,287+CHF 1541.5%
3moCHF 10,433+CHF 1571.5%
6moCHF 10,886+CHF 4904.5%
12moCHF 11,850+CHF 1,0679.0%
Total accessibleCHF 2,019
18.5% APY · Swiss vault · CHF payouts

18.5% APY in CHF, compounded monthly. Withdrawal limited to % available at each milestone. Indicative rates, subject to change.

Your money is sitting idle. Time is working against you.

Savings in your country:

  • Local savings accounts barely beat inflation.
  • Traditional deposits: low yields eaten by taxes.
  • Currency risk: your local currency loses value every year.
  • No international diversification = full exposure to local market.

With BlueLock:

  • 18.5% APY in CHF, always — regardless of milestone.
  • Yield in CHF — one of the world's most stable currencies.
  • Progressive withdrawal: 1.5% at month 1, growing to 9.0% at month 12 — balance keeps earning 18.5% APY.
  • Your wealth protected in Switzerland, with Swiss-grade security.

CHF 10,000 invested = CHF 1,850 yield in 12 months.

Calculate my yield

Start earning in 3 steps.

100% online. No paperwork. No surprises.

  1. 01

    Open your account

    Online signup in minutes. Fast approval with identity verification.

  2. 02

    See your schedule

    18.5% APY always. At each milestone (months 1, 2, 3, 6, 12) a tranche unlocks for withdrawal. The longer you hold, the bigger the tranche.

  3. 03

    Your money grows

    18.5% APY in CHF in Switzerland. At each milestone, a tranche unlocks for withdrawal. The rest keeps compounding.

Over 5,000 investors already grow their money in Switzerland.

5,000+

active investors

CHF 50M+

in deposits

18.5%

APY in CHF

FINMA + BACEN

regulated

Renato S., entrepreneur

Renato S.

entrepreneur

"My local savings earned 6% a year. With BlueLock, I'm at 18.5% in CHF — a strong currency. In 12 months, my yield already surpassed 3 years of local savings."

São Paulo • investor since 2025
Camila A., physician

Camila A.

physician

"I wanted to diversify internationally without hassle. CHF savings in Switzerland was the best decision. 18.5% APY, no surprises."

Florianópolis • investor since 2025
Marcos P., engineer

Marcos P.

engineer

"Started with CHF 10,000 to test. After 6 months, balance at CHF 10,886 and CHF 490 available for withdrawal — without losing yield on the rest. I moved my entire emergency fund."

Curitiba • investor since 2026
UBS
FINMA
BACEN

*Figures and testimonials are representative. Past returns do not guarantee future results.

Frequently asked questions.

  • How does BlueLock work?

    You deposit in CHF. Your balance earns 18.5% per year (APY), compounded monthly — always, regardless of term. At each milestone (months 1, 2, 3, 6, and 12), you can withdraw a percentage of your current balance: 1.5% / 1.5% / 1.5% / 4.5% / 9.0%. What you don't withdraw keeps compounding. There's no fixed maturity: you decide when to withdraw and how much to leave earning.

  • What is the yield?

    The yield is 18.5% per year (APY) on your total balance, compounded monthly. Liquidity is progressive: at each milestone, a percentage of your current balance unlocks for withdrawal. Month 1: 1.5%. Month 2: 1.5%. Month 3: 1.5%. Month 6: 4.5%. Month 12: 9.0%. Unwithdrawn balance keeps earning. In CHF, one of the most stable currencies in the world.

  • How do withdrawals work?

    You can withdraw at milestones 1, 2, 3, 6, 12 months — no penalty. The only difference is the size of the available tranche: 1.5% in the first months, 4.5% at 6 months, 9.0% at 12 months. The remaining balance keeps earning 18.5% APY.

  • What is the minimum deposit?

    The minimum deposit is CHF 1,000. No maximum limit.

  • How is BlueLock regulated?

    We operate in partnership with UBS. In Switzerland, regulated by FINMA. In Brazil, in compliance with BACEN.

  • Do I need to travel to Switzerland?

    No. The entire process is 100% online. Signup, verification and deposit — all from your phone or computer.

  • What about taxes?

    Foreign investments must be declared on your income tax. We provide all necessary reports automatically.

Your yield in CHF is waiting.

Minimum deposit CHF 1,000. 18.5% APY in CHF, with withdrawals at each milestone.

Talk to a specialist

Flexible withdrawal. Your money, your rules.