La nostra opinione su 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.
Pro
- No account management fee
- Flexible early withdrawal options
- No account closure fee
Contro
- Interest rate below market average
- Interest rate may change over time
Dettagli del prodotto
In sintesi
- Interest rate: 0.15%
- No account management fee
- 5 early withdrawal options
- No account closure fee
Commissioni e costi
Commissioni e costi
Tasso d'interesse
0.15%
Commissione di gestione conto
Gratuito
Commissione di chiusura conto
Gratuito
Opzioni di prelievo anticipato
Opzioni di prelievo anticipato
Condizioni in cui puoi prelevare anticipatamente i fondi dal tuo conto Pilastro 3a.
Proiezione pensionistica
Basato su un contributo max. di CHF 7'258/anno, età 30 a 65 (35 anni), partendo da CHF 0.
Confronta con prodotti simili
Domande frequenti
- Bank Avera pays 0.15% on this 3a account, is that competitive?
- It is below the segment average of 0.26% and well behind Bank CIC at 0.60%. On CHF 50,000, you earn about CHF 75 per year here versus roughly CHF 130 at the average. Avera waives account management and closure (CHF 0 each), but the modest rate is the headline trade-off.
- Will Bank Avera let me withdraw early to start my own business or buy a home?
- Yes, all 5 standard advance-withdrawal grounds are covered, including self-employment, residential property, change of provider, emigration and disability or death.
Come abbiamo valutato questo prodotto
Bank Avera Provision Account 3a è stato valutato come prodotto utilizzando il nostro sistema di punteggio ponderato.
Le valutazioni vengono aggiornate mensilmente sulla base dei dati più recenti disponibili. Tutti i prodotti vengono valutati con la stessa metodologia.
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