La nostra opinione su Clientis Entlebucher Bank Provision Account 3a
0.13% interest from a bank in the heart of the Entlebuch. Your money grows slower than the grass.
Clientis Entlebucher Bank ranks #74 among 93 3a savings accounts in Switzerland. This small cooperative bank serves the UNESCO Biosphere Entlebuch region in Canton Luzern. It's a no-fee, full-flexibility account that scores well on simplicity but poorly on returns. The rate is below even most of its Clientis peers.
Is the Interest Rate Competitive?
At 0.13%, this is one of the lowest rates in the market. Your annual interest on a CHF 7,056 contribution would be about CHF 9.17. You'd need to save for over a decade before the accumulated interest could buy you a decent lunch.
For comparison, the best 3a savings accounts pay nearly six times this rate. Over 25 years of maximum contributions, the difference between 0.13% and 0.75% adds up to roughly CHF 11,000 in lost interest. That's real retirement money.
What Actually Stands Out
Complete fee transparency. No management fees, no closure fees, no hidden charges. What you see is genuinely what you get. Five withdrawal options give you maximum legal flexibility for early access when life circumstances change.
Entlebucher Bank is deeply embedded in its community. The Entlebuch region is a UNESCO-recognized area, and the bank actively supports local economic development. If you live in Schüpfheim, Entlebuch, or the surrounding villages, this bank literally has roots in your community.
What Most Reviews Miss
Clientis member banks share infrastructure but set rates independently. Entlebucher Bank's 0.13% is below what some other Clientis banks offer for identical products. Before committing, check whether a neighboring Clientis bank (like Bank Aareland at 0.125% or Bank Oberaargau at 0.10%) might suit you better, or better yet, a non-Clientis competitor.
Digital banking capabilities at very small regional banks tend to be basic. Expect a functional but dated e-banking interface. Mobile apps, if they exist, may not offer the smooth experience you'd get from larger institutions.
The Bottom Line
Entlebucher Bank's 3a account is for locals who already bank there. The rate is too low to attract anyone from outside the region, and the Clientis network includes banks with similar products at slightly different rates. See the full picture at best 3a savings accounts in Switzerland.
Verdict: A safe, simple 3a account for Entlebuch residents, but the 0.13% rate is one of the lowest in Switzerland.
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: 0.13%
- No account management fee
- 5 early withdrawal options
- No account closure fee
Commissioni e costi
Commissioni e costi
Tasso d'interesse
0.13%
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
- 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 Clientis Entlebucher Bank 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 Clientis Entlebucher Bank Provision Account 3a from another provider?
- Yes, you can transfer your 3a balance to Clientis Entlebucher Bank Provision Account 3a at any time without tax consequences, and Clientis Entlebucher 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. Clientis Entlebucher Bank 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 Clientis Entlebucher Bank Provision Account 3a change?
- Yes, savings account interest rates are variable and can change at the provider's discretion. Clientis Entlebucher Bank may adjust the rate based on market conditions. Check the current rate before contributing.
Come abbiamo valutato questo prodotto
Clientis Entlebucher Bank 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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