Swiss 🇨🇭 Pillar 3a

Tax benefits, guaranteed rates, or investment growth. Choose the 3a that fits your goals.

We independently compare 100+ Swiss pillar 3a products, updated monthly

Caisse d’Epargne d’Aubonne
Cornèr Banca
Tellco
Viac
frankly

Top Pillar 3a Products in Switzerland

CEA Compte 3e Pilier

CEA Compte 3e Pilier

Caisse d’Epargne d’Aubonne
TER:—
Stocks:—
5.0/5
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#2
Cornèr Banca Cornèr3

Cornèr Banca Cornèr3

Cornèr Banca
TER:—
Stocks:—
5.0/5
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#3
Tellco 3a Account

Tellco 3a Account

Tellco
TER:—
Stocks:—
5.0/5
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Pillar 3a Savings Accounts

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Pillar 3a Investment Funds

Grow your retirement savings with tax-advantaged investment funds

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About Swiss Pillar 3a

Pillar 3a is Switzerland's tax-advantaged private retirement savings system. Contributions are deductible from taxable income (up to CHF 7,258 in 2026 for employed persons), making it one of the most effective ways to reduce your tax bill while building long-term wealth. You can choose between savings accounts with guaranteed interest or investment funds with equity exposure.

GetRates.ch compares pillar 3a providers across interest rates, fund performance, TER fees, asset allocation, and overall value. Whether you prefer the safety of a savings account or the growth potential of an investment fund, we help you find the right product for your retirement strategy.

Frequently Asked Questions

What is Pillar 3a and why should I use it?+
Pillar 3a is Switzerland's voluntary private pension scheme (the third pillar of the Swiss pension system). Contributions are fully tax-deductible up to the annual maximum, and capital gains are tax-free until withdrawal. It's one of the most efficient ways to save for retirement while reducing your tax burden.
Should I choose a 3a savings account or investment fund?+
It depends on your time horizon and risk tolerance. Savings accounts offer guaranteed interest with no risk of loss, making them ideal if you're close to retirement or risk-averse. Investment funds offer higher potential returns through equity exposure but come with market risk, making them better for younger savers with 15+ years until retirement.
Can I switch my pillar 3a provider?+
Yes, you can transfer your pillar 3a assets to a different provider at any time, usually free of charge. The process typically takes 2 to 4 weeks. Some providers charge a small closure fee, but many waive it. It's a good idea to compare providers regularly to ensure you're getting the best rates and lowest fees.