Swiss 3a Retirement Account Comparison

Compare Swiss retirement account features and interest rates for 2018 and get free quotes.

The 3a retirement account comparison by moneyland.ch includes all relevant Swiss 3a accounts. Results are calculated based on yield-earning potential and account for factors like compounding interest, deposits held and annual contributions.

3a retirement accounts: the costs compared

Practical: Detailed breakdowns of key information provide a clear overview of fees, interest rates and notice periods. Filter criteria let you filter results to show only accounts which have no administrative fees.

3a retirement accounts: more information
Using Swiss pillar 3a retirement accounts
What do 3a retirement accounts cost?
How much can you contribute to 3a savings?
Savings on taxes with 3a accounts
Moving 3a accounts after 59/60 years old
How 3a comparison results are calculated
3a investment funds: tips for choosing the right plan
Pillar 3a comparison tool - help

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Pillar 3a: regulated retirement savings

In the Swiss pension system, the third pillar represents private, voluntary retirement savings. While no contribution or withdrawal limits are placed on 3b private retirement savings, 3a savings are tax preferred so contributions and withdrawals are regulated. 3a assets cannot be withdrawn until 5 years prior to retirement age (64 years old for women, 65 years old for men).

Pillar 3a: tax benefits

Holding assets as 3a retirement savings comes with many tax benefits. Tax savings vary based on taxable income, but can equal as much as 30 percent of the contributed amount.

In the year 2018, total contributions for those who also contribute to an occupational pension fund cannot exceed 6,788 francs. Residents who do not contribute to an occupational pension scheme can contribute as much as 20 percent of their annual income to 3a savings, up to an annual limit of 33,840 francs (in 2018). Get an overview of annual 3a contribution limits in recent years here.

Third pillar: early withdrawal

An early withdrawal of 3a assets is only allowed in very specific cases. Circumstances under which you will normally be able to withdraw 3a assets ahead of retirement include: leaving Switzerland permanently, becoming self-employed, buying a home for use as a primary residence, buying shares in a housing cooperative or amortizing a mortgage on your primary residence. A favorable capital withdrawal tax is levied when you withdraw your 3a assets.

Advantages of 3a retirement accounts

+ Interest rates are generally higher than those of savings accounts and medium term notes.
+ Annual contributions can be deducted from your taxable income.
+ 3a accounts have a lower risk than 3a investment funds.

Disadvantages of 3a retirement accounts

- Limits on contributions.
- Limits on withdrawals: 3a assets are withheld and can only be withdrawn under very specific circumstances.
- In some cases, long-term returns may be lower than those delivered by higher-risk investments.

3a account providers included in the comparison
Aargauische Kantonalbank (AKB)Acrevis Bank AGAEK Bank 1826Alpha RHEINTAL Bank AGAlternative Bank Schweiz AGAppenzeller Kantonalbank (APPKB)Baloise Bank SoBa AGBancaStatoBank BSU GenossenschaftBank CIC (Schweiz) AGBank ClerBank EEK AGBank EKIBank Gantrisch GenossenschaftBank Linth LLB AGBank J. Safra Sarasin, Bank Sparhafen Zürich AGBank ThalwilBank ZimmerbergBank Zweiplus AGBasellandschaftliche Kantonalbank (BLKB)Basler Kantonalbank (BKB)BBO Bank Brienz Oberhasli AGBerner Kantonalbank (BEKB)Bezirks-Sparkasse DielsdorfCaisse d'Epargne de Cossonay société coopérativeClientis Bank im ThalClientis Bank Küttigen-ErlinsbachClientis Bank LeerauClientis Bank OberaargauClientis Bank ThurClientis Bank ToggenburgClientis Biene Bank im RheintalClientis BS Bank SchaffhausenClientis Caisse d'Epargne CECClientis EB Entlebucher BankClientis Regiobank MännedorfClientis Spar- und Leihkasse ThayngenClientis Sparcassa 1816Clientis Sparkasse OftringenClientis Sparkasse SenseClientis Zürcher RegionalbankCredit SuisseDC Bank Deposito-Cassa der Stadt BernErsparniskasse Rüeggisberg (EKR)Ersparniskasse Schaffhausen AGFreiburger KantonalbankGenerali VersicherungenGenfer Kantonalbank (BCGE)Glarner KantonalbankGraubündner Kantonalbank (GKB)GRB Glarner RegionalbankHypothekarbank Lenzburg AGJurassische Kantonalbank (BCJ)Leihkasse Stammheim AGLGT Bank (Schweiz) AGLuzerner Kantonalbank (LUKB)Migros Bank AGNeue Aargauer Bank AGNeuenburger Kantonalbank (BCN)Nidwaldner Kantonalbank (NKB)Obwaldner Kantonalbank (OKB)PostFinanceRaiffeisen Schweiz GenossenschaftRegiobank Solothurn AGSB Saanen Bank AGSchaffhauser Kantonalbank (SHKB)Schwyzer Kantonalbank (SZKB)Spar + Leihkasse Gürbetal SLGSpar + Leihkasse Münsingen AGSpar- und Leihkasse Bucheggberg AGSpar- und Leihkasse Frutigen AGSparkasse Engelberg AGSparkasse Schwyz AGSt. Galler Kantonalbank (SGKB)Thurgauer Kantonalbank (TKB)Triba Partner Bank AGUBS AGUrner Kantonalbank (URKB)Vadian Bank AGValiant Bank AGVorarlberger Landes- und HypothekenbankWaadtländische Kantonalbank (BCV)Walliser Kantonalbank (BCVS)WIR Bank GenossenschaftZuger KantonalbankZürcher Kantonalbank (ZKB)Zürcher LandbankBanca Popolare di Sondrio (Suisse) SACornèr Banca SASwiss LifeSpar- und Leihkasse Wynigen AG, Lienhardt & Partner, Liberty, Crédit Agricole next bank.

Last updated: May 2018

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