If you are looking for interest on vested benefits accounts, we have to disappoint you. Our comparison at over 90 banks in january 2023 clearly shows that depositing pension fund assets in vested benefits accounts no longer yields interest.
Average interest rate is 0.10 %
The average interest rate is a negligible 0,094 %. The interest rate is therefore slightly lower than for 3a retirement savings accounts and significantly below the current BVG minimum interest rate.
According to an expert opinion commissioned by the Confederation, a negative interest rate on pure savings solutions for vested benefits is not permitted (expert opinion was prepared in French).
Fees come into focus
Because there is no longer an interest rate, the focus shifts towards the fees of vested benefits solutions. That is why we have now also listed the fees in Swiss Francs in the comparison table. The fees are only indicative and can vary depending on the conditions. For example, many banks have a rule that the WEF fee is lower if the mortgage is taken out with them.
| 18.01.2023 | Ø last 3 years | Account Management p.a. | WEF Advance Withdrawal | Cash Out | |
|---|---|---|---|---|---|
| Hypo Vorarlberg (Schweiz) | 1.000% | k.A. | 0 | 400 | 25 |
| Zuger Kantonalbank | 0.300% | 0.068% | 0 | 200 | 0 |
| Berner Kantonalbank | 0.250% | 0.074% | 0 | 250 | 25 |
| Bernerland Bank | 0.250% | 0.062% | 0 | 400 | 25 |
| Aargauische Kantonalbank | 0.200% | 0.056% | 0 | 300 | 0 |
| acrevis Bank (Rendite) | 0.200% | 0.068% | 0 | 400 | 0 |
| acrevis Bank (avenirplus) | 0.200% | 0.068% | 36 | 500 | 50 |
| AEK BANK 1826 (Rendita) | 0.200% | 0.072% | 0 | 400 | 0 |
| AEK BANK 1826 (avenirplus) | 0.200% | 0.072% | 36 | 500 | 50 |
| Appenzeller Kantonalbank | 0.200% | 0.076% | 36 | 400 | 0 |
| Caisse d'Epargne d'Aubonne | 0.200% | 0.230% | 0 | k.A. | |
| Caisse d'Epargne d'Aubonne (avenirplus) | 0.200% | 0.230% | 36 | 500 | 50 |
| St. Galler Kantonalbank | 0.200% | 0.048% | 36 | 400 | 0 |
| Valiant Bank | 0.200% | 0.040% | 36 | 400 | 25 |
| Bank Sparhafen Zürich | 0.150% | 0.030% | 0 | 400 | 25 |
| BANK ZIMMERBERG | 0.150% | 0.054% | 0 | 400 | 0 |
| Basellandschaftliche Kantonalbank | 0.150% | 0.070% | 0 | 200 | 0 |
| Caisse d'Epargne de Nyon | 0.150% | 0.220% | 0 | k.A. | |
| Clientis Bank Toggenburg | 0.150% | 0.046% | 0 | 400 | 25 |
| Regiobank Solothurn | 0.150% | 0.057% | 0 | 400 | 0 |
| Spar- und Leihkasse Thayngen | 0.150% | 0.044% | 0 | 400 | |
| WIR Bank | 0.150% | 0.110% | 30 | 300 | 0 |
| Spar- und Leihkasse Frutigen | 0.150% | 0.150% | k.A. | k.A. | k.A. |
| Alpha RHEINTAL Bank (Privor) | 0.100% | 0.062% | 0 | 400 | 25 |
| Alpha RHEINTAL Bank (avenirplus) | 0.100% | 0.062% | 36 | 500 | 50 |
| Banca dello Stato del Cantone Ticino | 0.100% | 0.120% | 36 | 400 | 0 |
| Bank EEK | 0.100% | 0.040% | 0 | 400 | 0 |
| Bank Gantrisch | 0.100% | 0.047% | 0 | 400 | 0 |
| Bank Linth LLB | 0.100% | 0.036% | 0 | 400 | 0 |
| Bank Thalwil | 0.100% | 0.050% | 0 | 400 | 0 |
| Banque Cantonale de Fribourg | 0.100% | 0.028% | 0 | 300 | 30 |
| Banque Cantonale du Jura SA | 0.100% | 0.028% | 0 | k.A. | 0 |
| Basler Kantonalbank | 0.100% | 0.047% | 300 | 20 | |
| BS Bank Schaffhausen | 0.100% | 0.044% | 0 | 400 | 25 |
| Burgerliche Ersparniskasse Bern | 0.100% | 0.130% | 0 | 400 | 25 |
| Caisse d'Epargne de Cossonay | 0.100% | 0.090% | 0 | 400 | 25 |
| Clientis Bank im Thal | 0.100% | 0.060% | 0 | 400 | 25 |
| Clientis Zürcher Regionalbank | 0.100% | 0.032% | 0 | 400 | 25 |
| Glarner Kantonalbank freeME | 0.100% | 0.100% | 400 | 0 | |
| Hypothekarbank Lenzburg | 0.100% | 0.036% | 0 | 400 | 0 |
| Leihkasse Stammheim | 0.100% | 0.046% | 0 | 400 | 25 |
| Nidwaldner Kantonalbank | 0.100% | 0.054% | 0 | k.A. | 0 |
| SB Saanen Bank | 0.100% | 0.100% | 0 | ||
| Schaffhauser Kantonalbank | 0.100% | 0.056% | 36 | 400 | 0 |
| Schwyzer Kantonalbank | 0.100% | 0.028% | 0 | 400 | 0 |
| Sparkasse Schwyz | 0.100% | 0.100% | 0 | 0 | 0 |
| Zürcher Kantonalbank | 0.100% | 0.028% | 0 | 200 | 0 |
| Zürcher Landbank | 0.100% | 0.034% | 0 | 400 | 25 |
| Bank Avera | 0.100% | 0.100% | k.A. | k.A. | k.A. |
| Bezirks-Sparkasse Dielsdorf | 0.050% | 0.090% | 0 | 400 | 0 |
| Luzerner Kantonalbank | 0.050% | 0.026% | 0 | 300 | 100 |
| Regiobank Männedorf | 0.050% | 0.060% | 0 | 400 | 25 |
| Sparcassa 1816 | 0.050% | 0.014% | 0 | 400 | 0 |
| Ersparniskasse Affoltern i.E. | 0.050% | 0.050% | 0 | k.A. | 0 |
| Baloise Bank SoBa | 0.010% | 0.010% | 0 | 400 | 0 |
| Bank Cler | 0.010% | 0.029% | 0 | 300 | 20 |
| Bank EKI | 0.010% | 0.042% | 0 | 400 | 0 |
| Bank Oberaargau | 0.010% | 0.018% | 0 | 400 | 25 |
| Banque Cantonale de Genève | 0.010% | 0.010% | 0 | k.A. | 0 |
| Banque Cantonale du Valais | 0.010% | 0.026% | 0 | k.A. | 0 |
| Banque Cantonale Neuchâteloise | 0.010% | 0.014% | 36 | 400 | 0 |
| Banque Cantonale Vaudoise | 0.010% | 0.010% | 400 | 0 | |
| Banque Cantonale Vaudoise (avenirplus) | 0.010% | 0.010% | 36 | 500 | 50 |
| BBO Bank Brienz Oberhasli | 0.010% | 0.018% | 20 | 400 | 0 |
| Clientis EB Entlebucher Bank | 0.010% | 0.026% | 0 | 400 | 25 |
| Credit Suisse | 0.010% | 0.010% | 40 | 400 | 0 |
| Glarner Kantonalbank | 0.010% | 0.018% | 36 | 400 | 0 |
| Graubündner Kantonalbank | 0.010% | 0.026% | 36 | 400 | 0 |
| GRB Glarner Regionalbank | 0.010% | 0.010% | k.A. | k.A. | k.A. |
| Migros Bank | 0.010% | 0.022% | 0 | 250 | 0 |
| Obwaldner Kantonalbank | 0.010% | 0.029% | 0 | 150 | 100 |
| PostFinance | 0.010% | 0.026% | 36 | 400 | 0 |
| Spar- und Leihkasse Bucheggberg (Rendita) | 0.010% | 0.044% | 0 | 400 | 0 |
| Spar- und Leihkasse Bucheggberg (avenirplus) | 0.010% | 0.044% | 36 | 500 | 50 |
| Spar- und Leihkasse Wynigen | 0.010% | 0.010% | k.A. | k.A. | k.A. |
| Spar- und Leihkasse Wynigen (avenirplus) | 0.010% | 0.010% | k.A. | k.A. | k.A. |
| Thurgauer Kantonalbank | 0.010% | 0.034% | 36 | 400 | 0 |
| Thurgauer Kantonalbank (pens free) | 0.010% | 0.034% | 36 | 400 | 0 |
| UBS | 0.010% | 0.008% | 36 | 300 | 0 |
| Urner Kantonalbank | 0.010% | 0.010% | 36 | 400 | 0 |
| Alternative Bank Schweiz | 0.000% | 0.000% | 0 | 300 | 50 |
| Bank BSU | 0.000% | 0.022% | 0 | 400 | 25 |
| Bank in Zuzwil | 0.000% | 0.000% | 0 | 400 | 25 |
| Bank SLM (Privor) | 0.000% | 0.022% | 0 | 400 | 25 |
| Bank SLM (avenirplus) | 0.000% | 0.022% | 36 | 500 | 50 |
| Biene Bank im Rheintal | 0.000% | 0.022% | 0 | 400 | 25 |
| Clientis Bank Thur | 0.000% | 0.012% | 0 | 400 | 25 |
| VIAC 2. Säule | 0.000% | 0.000% | 0 | 300 | 0 |
| Bank Leerau | k.A. | 0.040% | 0 | 400 | 25 |
| DC Bank Deposito-Cassa der Stadt Bern | k.A. | 0.065% | 0 | 400 | 25 |
| Raiffeisen Schweiz | k.A. | k.A. | k.A. | k.A. | k.A. |
Would you like to get more out of your vested benefits? Then the question arises if investing in securities is an option for you. Once you have answered this question, we recommend that you compare the offers on the market. We have also prepared a comparison of the fees charged by pension funds.
With finpension Vested Benefits Foundation you can invest your vested benefits in securities in a broadly diversified manner. The fee is now set at 0.49 % (all-in fee). The all-in fee includes product costs (TER), transaction costs and custody account fees.