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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Find the perfect pillar 3a product for your retirement strategy

Pillar 3a Savings Accounts

Secure your retirement with competitive interest rates and tax advantages

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Pillar 3a Investment Funds

Grow your retirement savings with tax-advantaged investment funds

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Pillar 3a Guides

Expert guides on Swiss Pillar 3a savings, investments, and retirement planning

Pillar 3a Interest Rates Compared (2026)

Pillar 3a Interest Rates Compared (2026)

Compare pillar 3a interest rates across 93 Swiss banks. Find the best 3a savings account rates for 2026 with real data.

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VIAC vs Finpension vs Frankly: Best 3a (2026)

VIAC vs Finpension vs Frankly: Best 3a (2026)

VIAC vs Finpension vs Frankly compared for 2026. Fees, strategies, and app features. Find the best pillar 3a for you.

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Pillar 3a Fund Performance Comparison 2026

Pillar 3a Fund Performance Comparison 2026

Compare pillar 3a fund performance in Switzerland 2026. Real returns for VIAC, Finpension, Frankly after fees. Data-driven comparison.

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Pillar 3a Fund Fees & TER Comparison 2026

Pillar 3a Fund Fees & TER Comparison 2026

Pillar 3a fund fees & TER comparison Switzerland 2026. Real costs for VIAC, Finpension, Frankly vs banks. Save CHF 75,000+.

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How to Start Investing Your Pillar 3a

How to Start Investing Your Pillar 3a

How to start investing pillar 3a in Switzerland. Step-by-step beginner guide to 3a funds, providers, and strategies in 2026.

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Pillar 3a Investment Strategy: How to Choose

Pillar 3a Investment Strategy: How to Choose

How to choose your pillar 3a investment strategy. Age-based equity allocation guide for Swiss retirement savings in 2026.

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Sustainable 3a Funds in Switzerland (2026)

Sustainable 3a Funds in Switzerland (2026)

Compare sustainable pillar 3a investment funds in Switzerland. ESG options, fees, performance, and honest provider ratings for 2026.

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3a Passive vs Active Funds: The Data Is Clear

3a Passive vs Active Funds: The Data Is Clear

Pillar 3a passive vs active funds compared. Real Swiss data shows why passive index funds win for 80-90% of investors. Fees, performance, providers.

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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.