Our Take on Acrevis Provision Account 3a
A quiet eastern Swiss bank paying 0.25% with no strings attached.
Acrevis Provision Account 3a ranks #65 among 93 3a savings accounts in Switzerland. Acrevis Bank operates in eastern Switzerland, primarily across St. Gallen, Thurgau, and the surrounding region. It's a fee-free 3a account with a below-average rate, best suited for people who already have a relationship with the bank.
Is the Interest Rate Competitive?
At 0.25%, Acrevis sits in the lower half of 3a savings accounts. Your annual return on a maximum CHF 7,056 contribution would be about CHF 17.64. Top accounts in Switzerland offer three times that rate, which adds up significantly over decades.
The silver lining is that there are no fees of any kind. No management fees, no closure fees. So every fraction of a percent you earn actually stays in your pocket, unlike providers that quietly claw back interest through charges.
What Actually Stands Out
Simplicity and transparency. No fees, 2 withdrawal options, and a straightforward savings product. Acrevis doesn't try to upsell you into investment funds or premium packages. For savers who want a 3a account that just works, that's refreshing.
Acrevis was formed from the merger of several eastern Swiss banks and has a solid regional presence. Your deposits are protected by esisuisse up to CHF 100,000. The bank has strong local roots and a conservative, stability-first approach to banking.
What Most Reviews Miss
Only 2 withdrawal options is a meaningful limitation. Most 3a accounts offer the full 5 legal withdrawal reasons (retirement, home purchase, self-employment, leaving Switzerland, disability/death). With just 2, you may find yourself locked out of early access scenarios that other providers allow.
Acrevis Bank's digital capabilities are modest compared to fintech competitors. If you value mobile banking, instant notifications, and slick portfolio views for your 3a savings, you'll find the experience here quite traditional.
The Bottom Line
Acrevis is fine for existing customers in eastern Switzerland who want to keep things simple. But the below-average rate and limited withdrawal options make it hard to recommend proactively. See what else is available in our guide to the best 3a savings accounts in Switzerland.
Verdict: A fee-free, no-fuss 3a account that works for Acrevis loyalists but underperforms the market on both rate and flexibility.
Pros
- No account management fee
- No account closure fee
Cons
- Interest rate below market average
- Limited early withdrawal options
- Interest rate may change over time
Product Details
At a Glance
- Interest rate: 0.25%
- No account management fee
- 2 early withdrawal options
- No account closure fee
Fees & Costs
Fees & Costs
Interest Rate
0.25%
Account Management Fee
Free
Account Closure Fee
Free
Early Withdrawal Options
Early Withdrawal Options
Conditions under which you can withdraw funds early from your Pillar 3a account.
Retirement Projection
Based on max. contribution of CHF 7’258/year, age 30 to 65 (35 years), starting from CHF 0.
Compare to Similar Products
Frequently Asked Questions
- What is the maximum annual Pillar 3a contribution?
- For employees with a pension fund, the maximum is CHF 7,258 per year (2025). Self-employed without a pension fund can contribute up to 20% of net income, max CHF 35,288. These amounts are fully tax-deductible.
- What are the tax benefits of this Pillar 3a product?
- Contributions to Acrevis Provision Account 3a are fully deductible from your taxable income. Interest and returns grow tax-free. You only pay tax at a reduced rate when you withdraw at retirement.
- Can I transfer to Acrevis Provision Account 3a from another provider?
- Yes, you can transfer your 3a balance to Acrevis Provision Account 3a at any time without tax consequences, and Acrevis Bank charges no transfer or closure fee.
- When can I withdraw my Pillar 3a funds early?
- Swiss law allows early withdrawals for: buying property, starting self-employment, emigrating from Switzerland, or in case of disability/death. Acrevis Provision Account 3a supports 2 early withdrawal options.
- Should I choose a savings account or investment fund for my 3a?
- Savings accounts offer guaranteed returns with zero risk — ideal if you're close to retirement. Investment funds provide higher growth potential but with market risk — ideal for 10+ year horizons. Many Swiss residents split their contributions between both.
- Can the interest rate on Acrevis Provision Account 3a change?
- Yes, savings account interest rates are variable and can change at the provider's discretion. Acrevis Bank may adjust the rate based on market conditions. Check the current rate before contributing.
How We Rated This Product
Acrevis Provision Account 3a was evaluated as a product using our weighted scoring system.
Ratings are updated monthly based on the latest available data. All products are evaluated using the same methodology.
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