Swiss Pillar 3a Savings Accounts
Guaranteed rates, tax deductions, and capital protection. Compare Swiss 3a savings accounts.
Guaranteed Interest
3a savings accounts offer a guaranteed interest rate on your deposits, providing predictable returns for conservative retirement savers.
Tax Deductions
Contributions up to CHF 7,258 per year (2026) are fully deductible from taxable income, reducing your annual tax bill.
Capital Protection
Unlike investment funds, your capital is fully protected. You will always get back at least what you deposited, plus accrued interest.
Provider Choice
Choose from traditional banks like PostFinance and Raiffeisen or digital providers. You can also split contributions across multiple 3a accounts.
Top Pillar 3a Savings Accounts in Switzerland
CEA Compte 3e Pilier
Caisse d’Epargne d’Aubonne
Guides & Resources
In-depth guides to help you pick the right Pillar 3a product
Pillar 3a Interest Rates Compared (2026)
Compare pillar 3a interest rates across 93 Swiss banks. Find the best 3a savings account rates for 2026 with real data.
Pillar 3a: Savings Account vs Investment Fund
Pillar 3a savings vs investment fund: real projections, fees, and a clear decision framework for Swiss investors in 2026.
Pillar 3a Maximum Contribution 2026
Pillar 3a maximum contribution 2026: CHF 7,258 (employed) or CHF 36,288 (self-employed). Limits, deadlines, tax savings explained.
Pillar 3a Fees in Switzerland (2026)
Pillar 3a fees compared: account costs, fund TER, closure fees. See which Swiss 3a providers charge what in 2026.
Find Your Perfect Pillar 3a
Answer 5 questions. Get matched with the best Swiss Pillar 3a product for your profile.
About Swiss Pillar 3a Savings Accounts
Pillar 3a savings accounts are the most conservative option for Swiss retirement savings. They function like regular savings accounts but with the added benefit of tax deductibility on contributions. The interest rate is guaranteed, making them ideal for risk-averse savers.
Major providers include PostFinance, Raiffeisen, cantonal banks, and newer digital options. Interest rates vary between providers and can change over time. When choosing, compare the current interest rate, any account management fees, and the flexibility to switch providers or transfer your balance.