We compared the interest rates of 3a accounts at over 80 banks. We also researched how much the pillar 3a providers charge for the WEF advance withdrawal. The result is this comparison of 3a accounts.
Average interest rate of 0.65 % on a pillar 3a account
The average interest rate on 3a accounts is currently 0.65 %. The interest on 3a accounts has thus risen by a good 0.50 % since the beginning of 2023. The increase is marginal compared to mortgage interest rates. Interest rates on fixed-rate mortgages have risen by around one percent since then.
Comparison now also with fees for residential property occupation
We have now also included the fees for a WEF withdrawal in the comparison. The fees are only indicative. Many banks waive the fees if the mortgage is concluded with them.
Interestingly, the 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 | Mid 2023 | Ø last 4 years | Fee for WEF Advance Withdrawal in CHF |
|---|---|---|---|
| Caisse d'Epargne d'Aubonne | 1.250% | 0.714% | k.A. |
| Caisse d'Epargne de Nyon | 0.700% | 0.489% | k.A. |
| Bank CIC (Schweiz) | 1.350% | 0.464% | 300 |
| Crédit Agricole next bank (Suisse) | 1.000% | 0.436% | 400 |
| Burgerliche Ersparniskasse Bern | 1.000% | 0.429% | 0 |
| WIR Bank | 1.000% | 0.386% | 300 |
| Banca dello Stato del Cantone Ticino | 0.700% | 0.329% | k.A. |
| Berner Kantonalbank | 1.000% | 0.314% | 0 |
| Bezirks-Sparkasse Dielsdorf | 0.600% | 0.286% | 100 |
| Banca Popolare di Sondrio (Suisse) | 0.400% | 0.286% | 100 |
| Appenzeller Kantonalbank | 0.700% | 0.279% | k.A. |
| Caisse d'Epargne CEC | 0.500% | 0.264% | 0 |
| acrevis Bank | 0.900% | 0.257% | 100 |
| Alpha RHEINTAL Bank | 0.900% | 0.257% | 0 |
| Banque Cantonale de Fribourg | 0.900% | 0.257% | k.A. |
| Aargauische Kantonalbank | 1.000% | 0.250% | k.A. |
| Bank Gantrisch | 0.750% | 0.250% | 100 |
| Bank Sparhafen Zürich | 1.000% | 0.243% | 0 |
| Basellandschaftliche Kantonalbank | 0.800% | 0.236% | k.A. |
| Bank Cler | 0.750% | 0.236% | 200 |
| Regiobank Männedorf | 0.500% | 0.229% | 0 |
| Sparkasse Schwyz | 1.000% | 0.229% | k.A. |
| Graubündner Kantonalbank | 0.750% | 0.229% | 250 |
| Clientis Bank im Thal | 0.400% | 0.221% | 0 |
| Basler Kantonalbank | 0.800% | 0.221% | 200 |
| BBO Bank Brienz Oberhasli | 0.750% | 0.221% | 100 |
| Thurgauer Kantonalbank | 0.700% | 0.221% | k.A. |
| Caisse d'Epargne de Cossonay | 0.500% | 0.214% | 0 |
| Zuger Kantonalbank | 0.900% | 0.214% | 200 |
| Schaffhauser Kantonalbank | 0.750% | 0.214% | k.A. |
| AEK BANK 1826 | 0.600% | 0.214% | 100 |
| SB Saanen Bank | 0.600% | 0.214% | 0 |
| Banque Cantonale du Jura SA | 0.750% | 0.207% | k.A. |
| BS Bank Schaffhausen | 0.600% | 0.207% | 0 |
| Spar- und Leihkasse Thayngen | 0.600% | 0.207% | 0 |
| Bank EEK | 0.500% | 0.207% | 100 |
| DC Bank Deposito Cassa der Stadt Bern | 0.250% | 0.207% | 0 |
| Leihkasse Stammheim | 0.500% | 0.207% | 0 |
| Bank Linth LLB | 0.600% | 0.200% | 100 |
| Bank EKI | 0.500% | 0.200% | 100 |
| Nidwaldner Kantonalbank | 0.600% | 0.200% | k.A. |
| Regiobank Solothurn | 0.600% | 0.200% | 100 |
| Spar- und Leihkasse Bucheggberg | 0.600% | 0.200% | 100 |
| Zürcher Landbank | 0.600% | 0.200% | 0 |
| St. Galler Kantonalbank | 0.900% | 0.200% | k.A. |
| Credit Suisse | 0.800% | 0.193% | 100 |
| Glarner Kantonalbank | 0.650% | 0.193% | k.A. |
| Schwyzer Kantonalbank | 0.800% | 0.193% | k.A. |
| Luzerner Kantonalbank | 0.600% | 0.193% | 0 |
| PostFinance | 0.700% | 0.186% | 200 |
| Banque Cantonale du Valais | 0.650% | 0.186% | k.A. |
| Urner Kantonalbank | 0.600% | 0.186% | k.A. |
| Migros Bank | 0.600% | 0.186% | 0 |
| BANK ZIMMERBERG | 0.500% | 0.186% | 0 |
| Sparcassa 1816 | 0.800% | 0.179% | 0 |
| Hypothekarbank Lenzburg | 0.800% | 0.179% | 0 |
| UBS | 0.800% | 0.179% | 0 |
| Ersparniskasse Affoltern i.E. | 0.600% | 0.179% | 0 |
| Biene Bank im Rheintal | 0.600% | 0.179% | 0 |
| Clientis Bank Thur | 0.600% | 0.179% | 0 |
| Bank Thalwil | 0.250% | 0.179% | 100 |
| Obwaldner Kantonalbank | 0.250% | 0.175% | 150 |
| Bernerland Bank | 0.850% | 0.171% | 0 |
| Bank SLM | 0.500% | 0.171% | 0 |
| Clientis EB Entlebucher Bank | 0.500% | 0.164% | 0 |
| Banque Cantonale Vaudoise | 0.600% | 0.157% | k.A. |
| Clientis Bank Toggenburg | 0.500% | 0.150% | 0 |
| Baloise Bank SoBa | 0.700% | 0.150% | 0 |
| Bank in Zuzwil | 0.600% | 0.150% | 0 |
| Valiant Bank | 0.450% | 0.143% | 0 |
| Banque Cantonale Neuchâteloise | 0.300% | 0.129% | k.A. |
| Bank BSU | 0.250% | 0.129% | 0 |
| Zürcher Kantonalbank | 0.500% | 0.114% | 0 |
| Banque du Léman | 0.100% | 0.100% | k.A. |
| Bank Oberaargau | 0.250% | 0.079% | 0 |
| Alternative Bank Schweiz | 0.300% | 0.054% | 200 |
| bank zweiplus | 0.000% | 0.000% | k.A. |
| Hypo Vorarlberg (Schweiz) | 1.250% | k.A. | 0 |
| Cornèr Banca | 1.250% | k.A. | k.A. |
| Raiffeisenbank (Gruppe) | 0.900% | k.A. | k.A. |
| Spar- und Leihkasse Frutigen | 0.750% | k.A. | 200 |
| GRB Glarner Regionalbank | 0.750% | k.A. | 0 |
| Banque Cantonale de Genève | 0.600% | k.A. | k.A. |
| Bank Avera | 0.600% | k.A. | - |
| Clientis Caisse d'Epargne Courtelary | 0.500% | k.A. | 0 |
| Generali | 0.150% | k.A. | k.A. |
| Bank J. Safra Sarasin | 0.000% | k.A. | k.A. |
| Lienhardt & Partner | 0.000% | k.A. | k.A. |
| Spar- und Leihkasse Wynigen | k.A. | k.A. | 0 |
| Bank Leerau | k.A. | k.A. | 0 |
Note:
– Certain banks have interest limits and account management charges.
– Where no value is entered, no information on the interest rate was available.
– The Raiffeisen group is not listed because each bank has different interest rates.
Alternatives to the 3a account
Funds in 3a accounts can also be invested in securities. Another alternative is 3a insurance, but we do not recommend it.