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 pillar 3a accounts.
Table of contents
What is the average interest rate on a 3a account?
The average interest rate on 3a accounts is currently 0.30%. Interest rates on 3a accounts have fallen by 0.57% since the last period. By comparison, interest rates on 10-year-fixed-rate mortgages have fallen by around 0.12% since then.
Good to know: Interest rates on 3a accounts are constantly changing. We therefore update our comparison every month.
Pillar 3a comparison: interest rates and fees included
We have now also included the fees for a WEF subscription in the comparison of the 3rd pillar. 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) and Bank CIC (Switzerland).
| Bank | September 2025 | ⌀ last 5 years | Promotion of home ownership (WEF) in CHF |
|---|---|---|---|
| Caisse d'Epargne d'Aubonne | 1.250% | 0.955% | k.A. |
| Caisse d'Epargne de Nyon | 1.000% | 0.896% | k.A. |
| Cornèr Banca | 0.800% | 1.063% | k.A. |
| SB Saanen Bank | 0.700% | 0.640% | - |
| Crédit Agricole next bank (Suisse) | 0.650% | 0.910% | 400 |
| Hypo Vorarlberg (Schweiz) | 0.600% | 0.866% | - |
| Bank CIC (Schweiz) | 0.600% | 0.730% | 300 |
| Freie Gemeinschaftsbank Genossenschaft | 0.600% | - | k.A. |
| Clientis Caisse d'Epargne Courtelary | 0.500% | 0.631% | - |
| Caisse d'Epargne CEC | 0.500% | 0.548% | - |
| Caisse d'Epargne de Cossonay | 0.500% | 0.600% | - |
| Bank EEK | 0.500% | 0.578% | 100 |
| BBO Bank Brienz Oberhasli | 0.500% | 0.603% | 100 |
| Alternative Bank Schweiz | 0.500% | 0.414% | 200 |
| Burgerliche Ersparniskasse Bern | 0.400% | 0.690% | k.A. |
| WIR Bank | 0.400% | 0.550% | 300 |
| AEK BANK 1826 | 0.400% | 0.545% | 100 |
| Bank EKI | 0.400% | 0.500% | 100 |
| Banque Cantonale de Fribourg | 0.400% | 0.584% | k.A. |
| Bank Leerau | 0.400% | 0.416% | - |
| Bezirks-Sparkasse Dielsdorf | 0.350% | 0.610% | 100 |
| DC Bank Deposito Cassa der Stadt Bern | 0.350% | 0.428% | - |
| Bank Cler | 0.350% | 0.523% | 200 |
| Biene Bank im Rheintal | 0.350% | 0.525% | - |
| Spar- und Leihkasse Frutigen | 0.300% | 0.622% | 200 |
| Banca dello Stato del Cantone Ticino | 0.300% | 0.560% | k.A. |
| Bank Gantrisch | 0.300% | 0.463% | 100 |
| Leihkasse Stammheim | 0.300% | 0.425% | - |
| Raiffeisenbank (Gruppe) | 0.300% | 0.612% | k.A. |
| Alpha RHEINTAL Bank | 0.300% | 0.545% | - |
| Thurgauer Kantonalbank | 0.300% | 0.408% | k.A. |
| Basellandschaftliche Kantonalbank | 0.300% | 0.493% | k.A. |
| Regiobank Solothurn | 0.300% | 0.475% | 100 |
| Spar- und Leihkasse Bucheggberg | 0.300% | 0.455% | 100 |
| Basler Kantonalbank | 0.300% | 0.518% | 200 |
| Bank Sparhafen Zürich | 0.300% | 0.395% | - |
| Sparkasse Schwyz | 0.300% | 0.495% | k.A. |
| Clientis Bank Toggenburg | 0.300% | 0.495% | - |
| Sparcassa 1816 | 0.300% | 0.523% | - |
| Baloise Bank | 0.300% | 0.353% | - |
| Appenzeller Kantonalbank | 0.250% | 0.525% | k.A. |
| Clientis Bank im Thal | 0.250% | 0.408% | - |
| Obwaldner Kantonalbank | 0.250% | 0.461% | 150 |
| acrevis Bank | 0.250% | 0.428% | 100 |
| Spar- und Leihkasse Wynigen | 0.250% | 0.394% | - |
| BANK ZIMMERBERG | 0.250% | 0.490% | - |
| Zürcher Landbank | 0.250% | 0.458% | - |
| Banque Cantonale du Valais | 0.250% | 0.390% | k.A. |
| Ersparniskasse Affoltern i.E. | 0.250% | 0.375% | - |
| Bank BSU | 0.250% | 0.425% | - |
| GRB Glarner Regionalbank | 0.250% | 0.544% | - |
| Banque Cantonale Neuchâteloise | 0.250% | 0.495% | k.A. |
| Valiant Bank | 0.250% | 0.403% | - |
| Bernerland Bank | 0.250% | 0.365% | - |
| Lienhardt & Partner | 0.250% | 0.434% | k.A. |
| Banca Popolare di Sondrio (Suisse) | 0.200% | 0.340% | 100 |
| Berner Kantonalbank | 0.200% | 0.440% | - |
| Regiobank Männedorf | 0.200% | 0.410% | - |
| Bank Thalwil | 0.200% | 0.403% | 100 |
| Spar- und Leihkasse Thayngen | 0.200% | 0.403% | - |
| Bank Linth LLB | 0.200% | 0.421% | 100 |
| Urner Kantonalbank | 0.200% | 0.385% | k.A. |
| Bank SLM | 0.200% | 0.325% | - |
| Glarner Kantonalbank | 0.200% | 0.381% | k.A. |
| Migros Bank | 0.200% | 0.480% | - |
| Clientis Bank Thur | 0.200% | 0.455% | - |
| Schwyzer Kantonalbank | 0.200% | 0.393% | k.A. |
| St. Galler Kantonalbank | 0.200% | 0.405% | k.A. |
| Bank in Zuzwil | 0.200% | 0.413% | - |
| UBS | 0.200% | 0.453% | - |
| Graubündner Kantonalbank | 0.150% | 0.420% | 250 |
| BS Bank Schaffhausen | 0.150% | 0.375% | - |
| Nidwaldner Kantonalbank | 0.150% | 0.420% | k.A. |
| Banque Cantonale de Genève | 0.150% | 0.356% | k.A. |
| Zürcher Kantonalbank | 0.150% | 0.320% | - |
| Bank Avera | 0.150% | 0.431% | - |
| Clientis EB Entlebucher Bank | 0.130% | 0.305% | - |
| Hypothekarbank Lenzburg | 0.125% | 0.374% | - |
| Luzerner Kantonalbank | 0.100% | 0.363% | - |
| Schaffhauser Kantonalbank | 0.100% | 0.370% | k.A. |
| Banque Cantonale du Jura SA | 0.100% | 0.348% | k.A. |
| Zuger Kantonalbank | 0.100% | 0.345% | 200 |
| Banque du Léman | 0.100% | 0.100% | k.A. |
| Banque Cantonale Vaudoise | 0.100% | 0.340% | k.A. |
| Bank Oberaargau | 0.100% | 0.243% | - |
| Aargauische Kantonalbank | 0.050% | 0.358% | k.A. |
| PostFinance | 0.050% | 0.363% | 200 |
Please note: Certain banks have interest rate limits and account management fees.
Pillar 3a comparison: which provider to choose?
In recent years, new 3a offers have continuously appeared on the market. How can I know which provider has the best pillar 3a? In our article “Who currently has the best pillar 3a?“, we show which 3a offer is best suited for whom.
At finpension, you have a choice: You can invest your pillar 3a savings or securely deposit them in a 3a account with fair interest rates. Unlike other providers, our interest rates are tied to the Swiss National Bank’s policy rate – for greater transparency.
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