Unsere Einschätzung zu 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.
Vorteile
- No account management fee
- No account closure fee
Nachteile
- Interest rate below market average
- Limited early withdrawal options
- Interest rate may change over time
Produktdetails
Auf einen Blick
- Interest rate: 0.25%
- No account management fee
- 2 early withdrawal options
- No account closure fee
Gebühren & Kosten
Gebühren & Kosten
Zinssatz
0.25%
Kontoführungsgebühr
Kostenlos
Kontoschliessungsgebühr
Kostenlos
Vorbezugsoptionen
Vorbezugsoptionen
Bedingungen, unter denen Sie Mittel vorzeitig aus Ihrem Säule 3a Konto beziehen können.
Vorsorgeprognose
Basierend auf max. Beitrag von CHF 7'258/Jahr, Alter 30 bis 65 (35 Jahre), ab CHF 0.
Mit ähnlichen Produkten vergleichen
Häufig gestellte Fragen
- Which advance-withdrawal grounds does Acrevis cover for this 3a account?
- The product page lists 2 of the 5 standard early-withdrawal grounds, well below the segment average of about 4. Swiss law still permits all five (home purchase, change of provider, self-employment, emigration, disability or death), but Acrevis only documents a subset, so confirm in person before assuming you can withdraw for, say, leaving Switzerland.
- How does Acrevis's 0.25% interest rate compare to Swiss 3a savings averages?
- At 0,25 %, you sit roughly at the segment average of 0,26 %. It matches most cantonal and regional banks, and there are no account management or closure fees, so the headline rate is what you actually keep at year-end.
So haben wir dieses Produkt bewertet
Acrevis Provision Account 3a wurde als -Produkt mit unserem gewichteten Bewertungssystem evaluiert.
Die Bewertungen werden monatlich auf Basis der neuesten verfügbaren Daten aktualisiert. Alle Produkte werden nach derselben Methodik bewertet.
Bereit zu eröffnen?
Eröffnen Sie das Acrevis Provision Account 3a heute und profitieren Sie von den Vorteilen.