La nostra opinione su OKB Saving 3
A cantonal bank charging CHF 100 to close your 3a account. That's uncommon, and not in a good way.
OKB Saving 3 ranks #45 among 93 3a savings accounts in Switzerland. The Cantonal Bank of Obwalden offers 0.25% interest with no management fee, five withdrawal options, but a CHF 100 closure fee. That closure fee is a significant outlier in a market where most 3a savings accounts charge nothing to close.
Are the Fees Worth It?
The 0.25% interest rate is standard, but the CHF 100 closure fee changes the math significantly. If you save for 10 years at 0.25% on average annual contributions, you'll earn roughly CHF 90 in total interest. The closure fee wipes that out entirely. You'd effectively earn negative returns over a decade.
No management fee is the silver lining. But a closure fee this high creates a lock-in effect. Moving your 3a to a better provider costs CHF 100, which discourages switching even when it makes financial sense.
What Actually Stands Out
The cantonal state guarantee is OKB's primary value proposition. As the cantonal bank of Obwalden, all deposits are fully guaranteed by the canton. This goes beyond the standard esisuisse CHF 100,000 limit and provides additional security for large balances.
Five early withdrawal options and no management fee are standard features. Canton Obwalden is one of Switzerland's lower-tax cantons, which can make the 3a withdrawal tax more favorable if you retire there.
What Most Reviews Miss
The CHF 100 closure fee creates a psychological barrier to switching. Even when a better-paying account would save you more in the long run, paying CHF 100 upfront feels painful. Banks know this. The fee is designed to retain customers, not to cover actual administrative costs.
If you're opening a new 3a account, factor in the possibility of transferring later. With a CHF 100 exit cost, you want to be reasonably sure you'll stick with OKB. Otherwise, the fee erodes your already-modest returns.
The Bottom Line
The cantonal guarantee is valuable, but the CHF 100 closure fee is a meaningful drag on an already low rate. If you live in Obwalden and value the state backing, it might work. But the exit cost makes this less attractive than it appears on the surface. Compare fee-free alternatives in our best 3a savings accounts in Switzerland.
Verdict: The closure fee is a dealbreaker for most savers. Only consider this if the cantonal guarantee and Obwalden residency align perfectly.
Pro
- No account management fee
- Flexible early withdrawal options
Contro
- Interest rate below market average
- Account closure fee (CHF 100)
- Interest rate may change over time
Dettagli del prodotto
In sintesi
- Interest rate: 0.25%
- No account management fee
- 5 early withdrawal options
Commissioni e costi
Commissioni e costi
Tasso d'interesse
0.25%
Commissione di gestione conto
Gratuito
Commissione di chiusura conto
CHF 100
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 OKB Saving 3 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 OKB Saving 3 from another provider?
- Yes, you can transfer your 3a balance to OKB Saving 3 at any time without tax consequences. Note that your current provider may charge a 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. OKB Saving 3 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 OKB Saving 3 change?
- Yes, savings account interest rates are variable and can change at the provider's discretion. Cantonal Bank of Obwalden (OKB) may adjust the rate based on market conditions. Check the current rate before contributing.
Come abbiamo valutato questo prodotto
OKB Saving 3 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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