
Graubünden's cantonal bank pays 0.15% on 3a savings. The mountains are more impressive than the rate.
GKB Saving 3 Account ranks #69 among 93 3a savings accounts in Switzerland. The Cantonal Bank of Graubünden (GKB) is a major institution in eastern Switzerland with a strong regional reputation. But at 0.15% interest with no standout features, this 3a account is a placeholder, not a destination.
0.15% is well below the market leaders. GKB is a profitable, well-capitalized cantonal bank that could offer more. For context, the top 3a savings accounts pay 0.75% or higher. On a CHF 7,056 annual contribution, the difference between 0.15% and 0.75% is about CHF 42 per year. Over decades, that adds up.
No management fees help, but that's table stakes for a cantonal bank. The rate itself is the primary driver of your returns, and here it falls short.
Cantonal bank stability is the main draw. GKB is majority-owned by the Canton of Graubünden, which provides an implicit government guarantee on top of esisuisse deposit protection. Your money is as safe as it gets.
GKB has an extensive branch network across Graubünden, including remote mountain communities where other banks don't reach. If you live in Davos, St. Moritz, or any of the smaller valleys, GKB might be your most convenient physical banking option. Five withdrawal options round out a solid but unremarkable package.
GKB actively promotes its 3a investment solutions alongside the savings account. The savings product often serves as an entry point before advisors suggest switching to managed funds. Those funds come with higher fees that benefit the bank more than a low-interest savings account does.
If you're using GKB purely for 3a savings (not investments), you're essentially subsidizing their more profitable product lines. The bank's incentive is to move you into investments, not to raise your savings rate. Keep that in mind during advisory conversations.
GKB's 3a savings account is safe and convenient for Graubünden residents, but the rate doesn't reward your loyalty. If you're staying in savings rather than investments, you can do significantly better elsewhere. Check the full rankings at best 3a savings accounts in Switzerland.
Verdict: A trusted cantonal bank account that prioritizes safety over returns. Fine for convenience, but not for growing your retirement savings.
At a Glance
Interest Rate
0.15%
Account Management Fee
Free
Account Closure Fee
Free
Conditions under which you can withdraw funds early from your Pillar 3a account.
Based on max. contribution of CHF 7'258/year, age 30 to 65 (35 years), starting from CHF 0.
GKB Saving 3 Account 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.
Open the GKB Saving 3 Account today and start enjoying its benefits.