La nostra opinione su GKB Saving 3 Account
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.
Is the Interest Rate Competitive?
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.
What Actually Stands Out
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.
What Most Reviews Miss
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.
The Bottom Line
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.
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
- Why is GKB's rate only 0.15% if it's a cantonal bank?
- 0.15% is below the 0.26% segment average and below most other cantonal-bank 3a rates. GKB benefits from the canton of Graubünden state guarantee, which is meaningful, but the bank doesn't compete on yield. If absolute safety matters more than rate, the trade-off can be acceptable.
- Does the canton of Graubünden state guarantee apply to my 3a?
- Yes. The state guarantee covers GKB's liabilities, which includes 3a savings deposits. This sits on top of the standard esisuisse CHF 100,000 deposit insurance and matters for balances that grow beyond that threshold over decades.
- Could I switch to a higher-paying GKB investment 3a?
- GKB also operates 3a investment funds with different cost and return profiles, so you can stay within the GKB brand while moving to a higher-expected-return product. Switching the savings 3a balance involves no closure fee here, so the transfer is mechanically free.
Come abbiamo valutato questo prodotto
GKB Saving 3 Account 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.
Pronto ad aprire?
Apri il GKB Saving 3 Account oggi e inizia a godere dei suoi benefici.