Swiss policy rate and mortgage reference rate as a free JSON API

The key Swiss interest rates are now available as a free, public JSON API: the SNB policy rate, the mortgage reference rate and aggregated mortgage rates from Swiss providers. No API key, no registration – a single HTTP GET is all it takes (fair use assumed). The data is refreshed daily and served straight from the edge. Full documentation lives at hypox.ch/en/api.

Why an interest rate API?

If you needed the current policy rate or reference rate in an application, a dashboard or a spreadsheet, you previously had two options: maintain the values by hand or scrape the websites of the Swiss National Bank (SNB) and the Federal Office for Housing (BWO). Both are error-prone. Our API delivers the values machine-readable, with a complete history back to 2008 and a stable, versioned schema.

The three endpoints

What the API covers, in one sentence: the official policy rate of the national bank, the reference rate that governs Swiss rent adjustments, and – as a unique dataset – the daily-surveyed guide rates of Swiss mortgage providers.

Endpoint	Content	Source
GET /api/v1/policy-rate	SNB policy rate, current value + history since 2008	Swiss National Bank
GET /api/v1/reference-rate	Mortgage reference rate, current value + history	Federal Office for Housing
GET /api/v1/mortgage-rates	Aggregated guide rates per provider (SARON, variable, fixed terms)	Daily hypox survey

The authorities publish the policy and reference rates themselves – having them as an API series with history is convenient nonetheless. The real value is in the third endpoint: mortgage-rates returns, per provider, the average of published mortgage rates across our sources, covering SARON, variable and fixed mortgages of all terms. As a free, machine-readable API, this aggregation is not available anywhere else that we know of.

It really is this simple

The current policy rate via curl:

curl -s https://www.hypox.ch/api/v1/policy-rate | jq '.current'

The same in JavaScript:

const res = await fetch("https://www.hypox.ch/api/v1/policy-rate");
const data = await res.json();
console.log(data.current.rate, "% since", data.current.validFrom);

And with no code at all in Google Sheets – ?format=csv returns the rate series as a flat table that IMPORTDATA understands directly:

=IMPORTDATA("https://www.hypox.ch/api/v1/policy-rate?format=csv")

The API sends Access-Control-Allow-Origin: *, so you can also query it straight from any browser frontend without a proxy of your own.

Reliability

• Refreshed daily: policy and reference rate from the official sources, provider mortgage rates from our own survey.
• Never empty: the two rate-series endpoints always respond with HTTP 200 – a static fallback guarantees a complete series.
• Fast: responses come from the edge cache (one hour), typically within a few milliseconds.
• Stable: the schema is versioned (/api/v1/). Within v1 we only ever add fields, never remove or rename them.

A rate widget instead of an API

Just want to show the current policy rate on your website? There is a ready-made embed snippet for that: one line of HTML plus a tiny script that keeps the value up to date automatically.

Usage and attribution

The API is free to use, including commercially. If the data helps you, we appreciate a link back to hypox.ch – and feedback on which interest rate data you are still missing: info@datenpfleger.ch.