Unsere Einschätzung zu 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.
Vorteile
- No account management fee
- Flexible early withdrawal options
- No account closure fee
Nachteile
- Interest rate below market average
- Interest rate may change over time
Produktdetails
Auf einen Blick
- Interest rate: 0.10%
- No account management fee
- 5 early withdrawal options
- No account closure fee
Gebühren & Kosten
Gebühren & Kosten
Zinssatz
0.10%
Kontoführungsgebühr
Kostenlos
Kontoschliessungsgebühr
Kostenlos
Vorbezugsoptionen
Vorbezugsoptionen
Bedingungen, unter denen Sie Mittel vorzeitig aus Ihrem Säule 3a Konto beziehen können.
Vorsorgeprognose
Basierend auf max. Beitrag von CHF 7’258/Jahr, Alter 30 bis 65 (35 Jahre), ab CHF 0.
Mit ähnlichen Produkten vergleichen
Häufig gestellte Fragen
- 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 SHKB 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 SHKB Provision Account 3a from another provider?
- Yes, you can transfer your 3a balance to SHKB Provision Account 3a at any time without tax consequences, and Cantonal Bank of Schaffhausen (SHKB) 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. SHKB 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 SHKB Provision Account 3a change?
- Yes, savings account interest rates are variable and can change at the provider's discretion. Cantonal Bank of Schaffhausen (SHKB) may adjust the rate based on market conditions. Check the current rate before contributing.
So haben wir dieses Produkt bewertet
SHKB Provision Account 3a wurde als -Produkt mit unserem gewichteten Bewertungssystem evaluiert.
Die Bewertungen werden monatlich auf Basis der neuesten verfügbaren Daten aktualisiert. Alle Produkte werden nach derselben Methodik bewertet.
Bereit zu eröffnen?
Eröffnen Sie das SHKB Provision Account 3a heute und profitieren Sie von den Vorteilen.