BCGE Epargne Logement account

BCGE Epargne Logement account

The Epargne Logement account enables you to save with a view to acquiring your main residence at a very competitive interest rate and to benefit from aid from the State of Geneva.

Facilitated financial conditions to help you with your property project
A savings account which is available to anyone living in the canton of Geneva
A preferential interest rate

The essentials

The best financial conditions to become a property owner

Thanks to the épargne logement account and to the State of Geneva, you can constitute an initial savings balance at a very attractive rate. In this way you will obtain the best financial conditions for mortgage.

The role of the State of Geneva

The State of Geneva opens a bonus account with the State Treasury in the name of each épargne logement account holder. Each year, over a maximum period of 10 years, the account is credited with a sum which is equal to the interest on the capital saved, but with a maximum of:
  • the credit of a sum equal to that of the interest on the capital saved
  • but with a maximum of 
    • CHF 600/year if the holder is a minor
    • CHF 1,200/year if the holder has reached the age of majority

Withdrawal conditions

No notice is required for the purchase of a main residence, in accordance with the conditions laid down by law. Withdrawals for any other reason require 6 months' notice. So that the State bonuses can be paid, withdrawal can only be made 3 years after the opening of the account, this being the earliest when the interest credited to the account totals CHF 1,000.

Further information


  • Only one account per person
  • The account holder must live in the canton of Geneva
  • Each member of the same family may open an account, as long as each applicant actually lives in the family home (art. 13, article B, Act dated 26.09.1969) 
  • The holder implicitly authorises the BCGE to provide the State of Geneva with the necessary information so that it can validate the principle and the proportion of his/her entitlement to the benefits under the act

Applicable law

Epargne-logement accounts enjoy State aid in accordance with the Act governing épargne-logement accounts dated 26.09.1969, amended on 24.01.2008 and the implementing regulation dated 05.08.1970, amended on 10.03.1997.
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