La nostra opinione su SHKB Provision Account 3a
Schaffhausen's cantonal bank pays 0.10% on 3a savings. Even government backing doesn't make that exciting.
SHKB Provision Account 3a ranks #82 among 93 3a savings accounts in Switzerland. The Cantonal Bank of Schaffhausen (SHKB) is a state-owned institution with a solid local reputation. At 0.10% with no management fee and 5 withdrawal options, it's a bare-bones product that relies on cantonal bank trust rather than competitive pricing.
Is the Interest Rate Competitive?
0.10% from a cantonal bank is underwhelming. SHKB has the balance sheet and government backing to offer more, but chooses not to. On CHF 7,056, you earn CHF 7.06 per year. The top 3a savings accounts would give you CHF 50+ on the same deposit.
The no-management-fee structure is standard for cantonal banks. But the rate places SHKB in the bottom 15% of all 3a products, which is a poor showing for a government-backed institution.
What Actually Stands Out
Cantonal guarantee from the Canton of Schaffhausen. Your deposits benefit from both esisuisse protection and the implicit government backing that comes with cantonal bank status. For absolute capital safety, cantonal banks remain the gold standard.
SHKB has a strong branch presence across the Canton of Schaffhausen, and their digital banking is competent for a regional cantonal bank. Five withdrawal options provide full flexibility for all legally permitted early access scenarios.
What Most Reviews Miss
Schaffhausen is one of Switzerland's smaller cantons, and SHKB's deposit base is relatively modest. The bank's low 3a rate may reflect its funding needs: if deposit growth isn't a strategic priority, there's no incentive to offer competitive rates.
The opportunity cost of 0.10% is significant over time. A 40-year-old saving until 65 at maximum contributions would earn roughly CHF 2,200 in total interest at SHKB. At a top-ranked provider, that figure would be approximately CHF 12,000. The cantonal guarantee isn't worth CHF 10,000.
The Bottom Line
SHKB's 3a account is safe and simple, but the 0.10% rate is too low for active recommendation. Schaffhausen residents who value the cantonal relationship may accept it. Everyone else should compare options with our Pillar 3a comparison tool.
Verdict: Government-backed safety at a government-level pace of returns. Fine for cantonal bank loyalists, but the rate doesn't respect your 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: 0.10%
- No account management fee
- 5 early withdrawal options
- No account closure fee
Commissioni e costi
Commissioni e costi
Tasso d'interesse
0.10%
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 SHKB's 0.10% rate so far below the Swiss average?
- Cantonal Bank of Schaffhausen pays 0.10%, less than half of the 0.26% segment baseline. Over 25 years of maximum CHF 7,258 contributions, the gap versus a 0.55% provider compounds into several thousand francs of foregone interest. Local convenience may justify it for existing SHKB customers.
- What flexibility does SHKB Provision Account 3a actually provide?
- It supports all 5 standard early withdrawal grounds: home purchase, self-employment, emigration, disability or death, and switching providers. Account management is CHF 0 per year, which keeps the running cost easy to predict despite the modest interest rate.
Come abbiamo valutato questo prodotto
SHKB 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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