We compared the interest rates on 3a accounts at over 80 banks. We also researched how much the pillar 3a providers charge for WEF withdrawals. The result is this comparison of 3a accounts.
Average interest rate of 0.88 % on a pillar 3a account
The average interest rate on 3a accounts is currently 0.88 %. Interest on 3a accounts has therefore fallen by a good 0.12 % since the beginning of 2024. By comparison, interest rates on fixed-rate mortgages have fallen by around 0.25 per cent since then.
Comparison now also with fees for home ownership
We have now also included the fees for a WEF subscription in the comparison. The fees are only indicative. Many banks waive the fees if the mortgage is taken out with them.
Interestingly, providers with rather high interest rates also tend to charge more for a WEF advance withdrawal. Examples: Crédit Agricole next bank (Suisse), Bank CIC (Switzerland) and WIR Bank.
| Bank | August 2024 | ⌀ last 5 years | Promotion of home ownership (WEF) in CHF |
|---|---|---|---|
| Crédit Agricole next bank (Suisse) | 1.500% | 0.569% | 400 |
| Cornèr Banca | 1.400% | 0.800% | n/a |
| Caisse d'Epargne d'Aubonne | 1.300% | 0.825% | n/a |
| Caisse d'Epargne de Nyon | 1.250% | 0.584% | n/a |
| Hypo Vorarlberg (Schweiz) | 1.250% | 0.850% | 0 |
| Bank CIC (Schweiz) | 1.250% | 0.581% | 300 |
| Truewealth | 1.250% | n/a | 250 |
| Alpha RHEINTAL Bank | 1.200% | 0.375% | 0 |
| WIR Bank | 1.050% | 0.494% | 300 |
| Burgerliche Ersparniskasse Bern | 1.000% | 0.500% | n/a |
| Spar- und Leihkasse Frutigen | 1.000% | 0.538% | 200 |
| Banca dello Stato del Cantone Ticino | 1.000% | 0.413% | n/a |
| Bezirks-Sparkasse Dielsdorf | 1.000% | 0.375% | 100 |
| Caisse d'Epargne de Cossonay | 1.000% | 0.214% | 0 |
| Bank Gantrisch | 1.000% | 0.344% | 100 |
| Bank EEK | 1.000% | 0.306% | 100 |
| Leihkasse Stammheim | 1.000% | 0.338% | 0 |
| acrevis Bank | 1.000% | 0.375% | 100 |
| AEK BANK 1826 | 1.000% | 0.313% | 100 |
| Bank EKI | 1.000% | 0.300% | 100 |
| SB Saanen Bank | 1.000% | 0.325% | 0 |
| Bank Cler | 1.000% | 0.331% | 200 |
| Basellandschaftliche Kantonalbank | 1.000% | 0.331% | n/a |
| BANK ZIMMERBERG | 1.000% | 0.288% | 0 |
| BBO Bank Brienz Oberhasli | 1.000% | 0.319% | 100 |
| Regiobank Solothurn | 1.000% | 0.300% | 100 |
| Basler Kantonalbank | 1.000% | 0.319% | 200 |
| Bank Leerau | 1.000% | 0.243% | 0 |
| Migros Bank | 1.000% | 0.300% | 0 |
| Clientis Bank Thur | 1.000% | 0.281% | 0 |
| GRB Glarner Regionalbank | 1.000% | 0.358% | 0 |
| Banque Cantonale Neuchâteloise | 1.000% | 0.238% | n/a |
| Sparkasse Schwyz | 1.000% | 0.338% | n/a |
| Clientis Bank Toggenburg | 1.000% | 0.344% | 0 |
| Sparcassa 1816 | 1.000% | 0.281% | 0 |
| Viac | 0.950% | n/a | 300 |
| Appenzeller Kantonalbank | 0.900% | 0.381% | n/a |
| Raiffeisenbank (Gruppe) | 0.900% | 0.510% | n/a |
| Graubündner Kantonalbank | 0.900% | 0.325% | 250 |
| Thurgauer Kantonalbank | 0.900% | 0.344% | n/a |
| Spar- und Leihkasse Bucheggberg | 0.900% | 0.288% | 100 |
| Biene Bank im Rheintal | 0.900% | 0.306% | 0 |
| UBS | 0.900% | 0.269% | 0 |
| Freie Gemeinschaftsbank Genossenschaft | 0.900% | 0.300% | n/a |
| Obwaldner Kantonalbank | 0.850% | 0.291% | 150 |
| Clientis Caisse d'Epargne Courtelary | 0.800% | 0.450% | 0 |
| Caisse d'Epargne CEC | 0.800% | 0.331% | 0 |
| Regiobank Männedorf | 0.800% | 0.313% | 0 |
| Bank Thalwil | 0.800% | 0.281% | 100 |
| BS Bank Schaffhausen | 0.800% | 0.306% | 0 |
| Bank Linth LLB | 0.800% | 0.275% | 100 |
| Nidwaldner Kantonalbank | 0.800% | 0.300% | n/a |
| Zürcher Landbank | 0.800% | 0.288% | 0 |
| Aargauische Kantonalbank | 0.800% | 0.369% | n/a |
| Schaffhauser Kantonalbank | 0.800% | 0.300% | n/a |
| Banque Cantonale du Jura SA | 0.800% | 0.294% | n/a |
| Urner Kantonalbank | 0.800% | 0.288% | n/a |
| Glarner Kantonalbank | 0.800% | 0.269% | n/a |
| Bank BSU | 0.800% | 0.213% | 0 |
| PostFinance | 0.800% | 0.288% | 200 |
| Zuger Kantonalbank | 0.800% | 0.325% | 200 |
| Valiant Bank | 0.800% | 0.250% | 0 |
| Schwyzer Kantonalbank | 0.800% | 0.306% | n/a |
| St. Galler Kantonalbank | 0.800% | 0.313% | n/a |
| Bank in Zuzwil | 0.800% | 0.256% | 0 |
| Baloise Bank SoBa | 0.800% | 0.256% | 0 |
| Bernerland Bank | 0.800% | 0.275% | 0 |
| Banque Cantonale de Genève | 0.800% | 0.330% | n/a |
| Bank Avera | 0.800% | 0.400% | - |
| bank zweiplus | 0.800% | 0.100% | n/a |
| Lienhardt & Partner | 0.800% | 0.200% | n/a |
| DC Bank Deposito Cassa der Stadt Bern | 0.750% | 0.275% | 0 |
| Berner Kantonalbank | 0.750% | 0.400% | 0 |
| Clientis Bank im Thal | 0.750% | 0.319% | 0 |
| Bank Sparhafen Zürich | 0.750% | 0.338% | 0 |
| Spar- und Leihkasse Wynigen | 0.700% | 0.280% | 0 |
| Spar- und Leihkasse Thayngen | 0.700% | 0.306% | 0 |
| Ersparniskasse Affoltern i.E. | 0.700% | 0.256% | 0 |
| Banque Cantonale Vaudoise | 0.700% | 0.213% | n/a |
| Hypothekarbank Lenzburg | 0.700% | 0.281% | 0 |
| Zürcher Kantonalbank | 0.700% | 0.200% | 0 |
| Alternative Bank Schweiz | 0.700% | 0.134% | 200 |
| frankly | 0.700% | n/a | 0 |
| Banque Cantonale du Valais | 0.650% | 0.288% | n/a |
| Clientis EB Entlebucher Bank | 0.650% | 0.256% | 0 |
| Bank Oberaargau | 0.600% | 0.169% | 0 |
| Luzerner Kantonalbank | 0.550% | 0.306% | 0 |
| Bank SLM | 0.500% | 0.275% | 0 |
| Banca Popolare di Sondrio (Suisse) | 0.400% | 0.300% | 100 |
| Banque du Léman | 0.100% | 0.100% | n/a |
| Banque Cantonale de Fribourg | 0.000% | 0.350% | n/a |
Please note:
– Certain banks have interest rate limits and account management fees.
– Where no value is entered, no information on the interest rate was available.
Alternatives to the 3a account
Funds in 3a accounts can also be invested in securities. Another alternative is 3a insurance, although we advise against this.
Continue reading:
Who currently has the best pillar 3a?