Notre avis sur Bank Avera Provision Account 3a
A tiny Swiss bank you've probably never heard of, paying 0.15% on your 3a.
Bank Avera Provision Account 3a ranks #71 among 93 3a savings accounts in Switzerland. Bank Avera is a small regional bank based in the Canton of Bern. With no fees, 5 withdrawal options, and a 0.15% rate, it's a standard Privor-network product that does the minimum without causing any problems.
Is the Interest Rate Competitive?
0.15% is firmly in the bottom tier. You'd earn about CHF 10.58 per year on a maximum annual contribution. That's less than a cup of coffee per month. The best 3a savings accounts in Switzerland pay five times this rate.
To put it in perspective: if you save CHF 7,056 per year for 25 years at 0.15%, your total interest would be around CHF 2,700. At 0.75%, it would be roughly CHF 14,000. That's an CHF 11,300 difference for doing nothing more than choosing a different bank.
What Actually Stands Out
Zero fees and no complications. Bank Avera doesn't charge management fees or closure fees. You can open the account, contribute annually, and forget about it. The 5 withdrawal options cover all legally permitted scenarios.
Bank Avera is part of the broader network of small Swiss banks that offer standardized Privor 3a products. The infrastructure is reliable, and your deposits are covered by esisuisse deposit protection. It's banking at its most basic and predictable.
What Most Reviews Miss
Small regional banks like Bank Avera typically have limited digital capabilities. Don't expect a slick mobile app or instant online account opening. You'll likely need to visit a branch or handle paperwork by mail.
The interest rate on these accounts can change at any time with minimal notice. A bank paying 0.15% today might drop to 0.10% or 0.05% tomorrow. There's no rate guarantee or lock-in period, which means even this modest return isn't assured long-term.
The Bottom Line
Bank Avera's 3a account is harmless but unrewarding. If you're already a customer and want convenience, it's fine. For everyone else, the rate alone should prompt you to look elsewhere. Find better options in our guide to the best 3a savings accounts in Switzerland.
Verdict: A no-fee, no-surprise 3a account from a small bank, but the 0.15% rate means your retirement savings are barely earning anything.
Avantages
- No account management fee
- Flexible early withdrawal options
- No account closure fee
Inconvénients
- Interest rate below market average
- Interest rate may change over time
Détails du produit
En un coup d'œil
- Interest rate: 0.15%
- No account management fee
- 5 early withdrawal options
- No account closure fee
Frais et coûts
Frais et coûts
Taux d'intérêt
0.15%
Frais de gestion du compte
Gratuit
Frais de clôture du compte
Gratuit
Options de retrait anticipé
Options de retrait anticipé
Conditions dans lesquelles vous pouvez retirer des fonds de votre compte Pilier 3a.
Projection de retraite
Basé sur une cotisation max. de CHF 7’258/an, de 30 à 65 ans (35 ans), à partir de CHF 0.
Comparer avec des produits similaires
Questions fréquemment posées
- 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 Bank Avera 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 Bank Avera Provision Account 3a from another provider?
- Yes, you can transfer your 3a balance to Bank Avera Provision Account 3a at any time without tax consequences, and Bank Avera 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. Bank Avera Provision Account 3a supports 5 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 Bank Avera Provision Account 3a change?
- Yes, savings account interest rates are variable and can change at the provider's discretion. Bank Avera may adjust the rate based on market conditions. Check the current rate before contributing.
Comment nous avons évalué ce produit
Bank Avera Provision Account 3a a été évalué en tant que produit à l'aide de notre système de notation pondéré.
Les évaluations sont mises à jour mensuellement sur la base des dernières données disponibles. Tous les produits sont évalués selon la même méthodologie.
Prêt à ouvrir?
Ouvrez le Bank Avera Provision Account 3a aujourd'hui et profitez de ses avantages.