Pillar 3a pension plan

Compare the best pillar 3a offers

You will find in this comparative table about forty offers proposed by banks and insurance companies for a competitive pillar 3a. The pillar 3a, or tied pension provision, complements the other two pillars, the AHV/IV and the BVG, and can only be taken out by employees and self-employed persons affiliated to the AHV. In addition to supplementing the amount of your pension, the linked pillar 3a can be withdrawn beforehand in order to finance a property, to become self-employed or when leaving Switzerland permanently. These savings allow you to benefit from numerous tax advantages by deducting the contributions from your taxed income. There are differences in terms of taxation, contract duration, beneficiary clauses and the choice of investment of the funds. To obtain better returns and save on your taxes, we advise you to compare the different providers.


Pillar 3a criteria



Last updated: 04.05.2020
Rank Company Overview Rate Link
1 Logo Allianz Suisse Insurance Company Ltd Dépôt/Compte 3a Rate
0.1 %
allianz.ch
2 Logo Appenzeller Kantonalbank Sparen 3 Rate
0.35 %
appkb.ch
3 Logo AXA Insurance Ltd Saving and investing 3a Rate
0 %
axa.ch
4 Logo Baloise Bank SoBa AG Invest Épargne 3 (liée 3a) Rate
0.1 %
baloise.ch
5 Logo Banca dello Stato del Cantone Ticino Conto Risparmio 3 Rate
0.75 %
bancastato.ch
6 Logo Alternative Bank Schweiz AG Compte de prévoyance BAS 3 Rate
0.025 %
abs.ch
7 Logo Berner Kantonalbank AG Compte Épargne 3 Rate
0.25 %
bekb.ch
8 Logo Urner Kantonalbank Sparen 3-Konto Rate
0.2 %
ukb.ch
9 Logo Cantonal Bank of Basel BKB-Sparen 3-Konto Rate
0.25 %
bkb.ch
10 Logo Basellandschaftliche Kantonalbank Sparen 3 Rate
0.25 %
blkb.ch
11 Logo Banque Cantonale de Fribourg Compte épargne 3 Rate
0.2 %
bcf.ch
12 Logo Banque Cantonale de Genève Epargne 3a account Rate
0.25 %
bcge.ch
13 Logo Schaffhauser Kantonalbank Vorsorgekonto 3a Rate
0.25 %
shkb.ch
14 Logo Cantonal Bank of Saint Gall Ltd Retirement Rate
0.2 %
sgkb.ch
15 Logo Cantonal Bank of Zurich Säule 3a Rate
0.15 %
zkb.ch
16 Logo Graubündner Kantonalbank Sparen 3-Konto Rate
0.2 %
gkb.ch
17 Logo Banque Cantonale du Jura SA Compte épargne 3 Rate
0.2 %
bcj.ch
18 Logo Banque Cantonale du Valais Compte Epargne 3ème pilier Rate
0.25 %
bcvs.ch
19 Logo Banque Cantonale Neuchâteloise 3e pilier Rate
0.2 %
bcn.ch
20 Logo Banque Cantonale Vaudoise Epargne 3 account Rate
0.2 %
bcv.ch
21 Logo Migros Bank AG Compte de prévoyance 3a Rate
0.25 %
migrosbank.ch
22 Logo Valiant Bank AG Compte de prévoyance PRIVOR 3a Rate
0.15 %
valiant.ch
23 Logo Crédit Agricole next bank SA 3rd pillars A Rate
0.7 %
ca-nextbank.ch
24 Logo Generali (Switzerland) Holding Ltd. PROSPERA 3a pension planning account Rate
0.2 %
generali.ch
25 Logo Glarner Kantonalbank Sparen 3-Konto Rate
0.3 %
glkb.ch
26 Logo Helvetia Swiss Insurance Company Ltd Benefit Plan Rate
0 %
helvetia.com
27 Logo Luzerner Kantonalbank AG Vorsorgekonto Sparen 3 Rate
0.2 %
lukb.ch
28 Logo Nidwaldner Kantonalbank Vorsorgekonto Sparen 3 Rate
0.2 %
nkb.ch
29 Logo Obwaldner Kantonalbank Sparen 3 Rate
0.225 %
owkb.ch
30 Logo PostFinance Ltd Retirement savings account 3a Rate
0.2 %
postfinance.ch
31 Logo Raiffeisen Switzerland Cooperative Plan de prévoyance 3a Rate
0.25 %
raiffeisen.ch
32 Logo Schwyzer Kantonalbank Sparen 3-Konto Rate
0.2 %
szkb.ch
33 Logo Swiss Life Ltd Pillar 3b Rate
0 %
swisslife.ch
34 Logo Swisscanto Holding Ltd. 3rd pillar 3a Rate
0 %
swisscanto.com
35 Logo Thurgauer Kantonalbank Sparen 3 Konto Rate
0.3 %
tkb.ch
36 Logo UBS Inc. Pillar 3 Rate
0.2 %
ubs.ch
37 Logo VAUDOISE GENERAL, Insurance Company Ltd Pillar 3 Rate
0 %
vaudoise.ch
38 Logo Zuger Kantonalbank Sparen 3 Rate
0.15 %
zugerkb.ch
39 Logo Zurich Insurance Company Ltd Retirement savings account 3a Rate
0 %
zurich.ch
40 Logo Bank Cler Ltd Compte de prévoyance 3 Rate
0.25 %
cler.ch

What is a 3rd pillar ?

Quite often, the 1st (AHV) and 2nd pillar (BVG) are not enough to guarantee a sufficient amount for retirement. This is why private pension provision (3rd pillar) was introduced as individual savings. Unlike a conventional bank account, money from the third pillar can only be withdrawn under certain conditions. In addition, there is a cap on the amount that can be deposited annually (CHF 6'826 for employees and CHF 34'128 for self-employed people, as of 2020). In addition to being tax-deductible, the third pillar supplements the retirement amount and allows you to finance a property purchase.

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