We compared the interest rates on 3a accounts at over 90 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 content

What is the average interest rate on a 3a account?
Pillar 3a comparison: interest rates and fees included
Pillar 3a comparison: which provider to choose?

What is the average interest rate on a 3a account?

The average interest rate on 3a accounts is currently 0.55 %. Interest on 3a accounts has therefore fallen by a good 0.45 % since the beginning of 2024. By comparison, interest rates on 10-year-fixed-rate mortgages have fallen by around 0.45 % since then.

Good to know: Interest rates on 3a accounts are constantly changing. We therefore update our comparison every month.

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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).

BankFebruary 2025⌀ last 5 yearsPromotion of home ownership (WEF) in CHF
Crédit Agricole next bank (Suisse)1.400%0.932%-
Cornèr Banca1.400%1.160%k.A.
Caisse d'Epargne de Nyon1.000%0.852%k.A.
Hypo Vorarlberg (Schweiz)1.000%0.940%k.A.
Caisse d'Epargne de Cossonay1.000%0.577%-
SB Saanen Bank1.000%0.614%k.A.
Truewealth1.000%-250
Caisse d'Epargne d'Aubonne0.800%0.893%250
Burgerliche Ersparniskasse Bern0.800%0.700%-
Spar- und Leihkasse Frutigen0.800%0.715%100
Clientis Caisse d'Epargne Courtelary0.800%0.660%-
Caisse d'Epargne CEC0.800%0.532%-
Bank EEK0.800%0.546%k.A.
AEK BANK 18260.800%0.557%-
Raiffeisenbank (Gruppe)0.800%0.686%-
Banque Cantonale de Fribourg0.800%0.562%200
BBO Bank Brienz Oberhasli0.800%0.582%-
Sparcassa 18160.800%0.532%-
Freie Gemeinschaftsbank Genossenschaft0.800%-k.A.
Bezirks-Sparkasse Dielsdorf0.750%0.607%k.A.
Biene Bank im Rheintal0.700%0.532%-
Clientis Bank Thur0.700%0.489%k.A.
Banque Cantonale Neuchâteloise0.700%0.507%300
Alternative Bank Schweiz0.700%0.377%200
Bank Cler0.650%0.564%k.A.
Basler Kantonalbank0.650%0.564%-
Bank CIC (Schweiz)0.600%0.786%100
Banca dello Stato del Cantone Ticino0.600%0.607%100
DC Bank Deposito Cassa der Stadt Bern0.600%0.436%k.A.
Obwaldner Kantonalbank0.600%0.495%-
Alpha RHEINTAL Bank0.600%0.579%-
Basellandschaftliche Kantonalbank0.600%0.532%k.A.
Bank Linth LLB0.600%0.429%k.A.
Regiobank Solothurn0.600%0.500%-
Migros Bank0.600%0.531%250
GRB Glarner Regionalbank0.600%0.571%k.A.
UBS0.600%0.489%-
Zürcher Landbank0.550%0.471%-
Bank BSU0.550%0.446%k.A.
Appenzeller Kantonalbank0.500%0.568%200
Berner Kantonalbank0.500%0.479%k.A.
Bank Gantrisch0.500%0.489%-
Bank EKI0.500%0.529%200
Spar- und Leihkasse Wynigen0.500%0.436%-
Graubündner Kantonalbank0.500%0.482%k.A.
Spar- und Leihkasse Thayngen0.500%0.446%k.A.
BANK ZIMMERBERG0.500%0.521%-
Nidwaldner Kantonalbank0.500%0.464%-
Spar- und Leihkasse Bucheggberg0.500%0.471%-
Luzerner Kantonalbank0.500%0.404%-
Banque Cantonale du Valais0.500%0.421%-
Sparkasse Schwyz0.500%0.507%100
Clientis Bank Toggenburg0.500%0.536%-
Schwyzer Kantonalbank0.500%0.432%100
Zürcher Kantonalbank0.500%0.357%k.A.
Lienhardt & Partner0.500%0.470%-
frankly0.500%-300
WIR Bank0.400%0.614%-
Banca Popolare di Sondrio (Suisse)0.400%0.343%100
Clientis Bank im Thal0.400%0.432%k.A.
Regiobank Männedorf0.400%0.464%-
Bank Thalwil0.400%0.446%k.A.
Leihkasse Stammheim0.400%0.464%-
BS Bank Schaffhausen0.400%0.432%-
Bank Leerau0.400%0.423%k.A.
Bank Sparhafen Zürich0.400%0.421%300
Glarner Kantonalbank0.400%0.396%k.A.
Ersparniskasse Affoltern i.E.0.400%0.396%-
Valiant Bank0.400%0.457%-
St. Galler Kantonalbank0.400%0.450%-
Bank in Zuzwil0.400%0.432%k.A.
Hypothekarbank Lenzburg0.400%0.396%-
Baloise Bank SoBa0.400%0.368%k.A.
Bank Avera0.400%0.530%k.A.
Banque Cantonale Vaudoise0.350%0.371%-
acrevis Bank0.300%0.489%-
Thurgauer Kantonalbank0.300%0.454%-
Aargauische Kantonalbank0.300%0.432%k.A.
Schaffhauser Kantonalbank0.300%0.429%-
Banque Cantonale du Jura SA0.300%0.396%200
Urner Kantonalbank0.300%0.429%k.A.
Bank SLM0.300%0.357%k.A.
Clientis EB Entlebucher Bank0.300%0.343%k.A.
PostFinance0.300%0.429%-
Zuger Kantonalbank0.300%0.414%-
Bernerland Bank0.300%0.400%100
Banque Cantonale de Genève0.300%0.455%k.A.
Bank Oberaargau0.300%0.268%-
Viac0.300%--
finpension0.110%-k.A.
Banque du Léman0.100%0.100%k.A.

Please note: Certain banks have interest rate limits and account management fees.

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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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Continue reading:

Several pillar 3a accounts: How many makes sense?