With this comparison, we want to help you find the best vested benefits account in Switzerland for you. In addition to comparing the interest rates and fees of almost 80 banks, you will also find out the average interest rate on a vested benefits account.
Table of contents
How do I find the best vested benefits account in Switzerland?
To find the best vested benefits account for you, you can use the following criteria as a guide:
- Interest rate: This is probably one of the most important factors when choosing a vested benefits account. If the interest rate on the vested benefits account is higher, your pension assets will grow faster. It is worth comparing vested benefits accounts on a regular basis, as interest rates often change.
- Fees: In addition to the interest rates, you should also pay attention to the fees. Some providers charge fees for account management or WEF withdrawals. Such fees reduce the growth of your pension assets and can even lead to a loss.
- Flexibility and ease of opening: Another important point is how easily you can open and close the account. As vested benefits accounts are often only held for a short period of time, providers with streamlined processes are a good choice. The processes of digital providers are often the simplest.
The best vested benefits account in terms of interest rate
The Hypo Vorarlberg currently offers the highest interest rate at 0.6%. In second place is the Caisse d’Epargne d’Aubonne with 0.5%. Clientis Bank Toggenburg and Clientis Bank Thur follow with rates of 0.45%. All other providers offer interest rates of 0.4% or lower.
In our comparison of vested benefits accounts, you can compare not only the interest rates, but also the fees for account management, balancing and WEF withdrawals. The fees are only indicative and may 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. The table can be sorted in any order.
Comparison of interest and fees on vested benefits accounts
| September 2025 | Ø last 5 years | Account Management p.a. | WEF Advance Withdrawal | Cash Out | |
|---|---|---|---|---|---|
| Hypo Vorarlberg (Schweiz) | 0.600% | - | - | 400.00 | 25.00 |
| Caisse d'Epargne d'Aubonne | 0.500% | 0.45% | 36.00 | k.A. | k.A. |
| Clientis Bank Thur | 0.450% | 0.54% | - | 400.00 | 25.00 |
| Clientis Bank Toggenburg | 0.450% | 0.65% | - | 400.00 | 25.00 |
| Caisse d'Epargne de Cossonay | 0.400% | 0.26% | - | 400.00 | 25.00 |
| Caisse d'Epargne de Nyon | 0.400% | 0.43% | - | k.A. | k.A. |
| Crédit Agricole next bank (Suisse) | 0.350% | - | - | 400.00 | - |
| BBO Bank Brienz Oberhasli | 0.300% | 0.34% | 20.00 | 400.00 | - |
| BANK ZIMMERBERG | 0.250% | 0.34% | - | 400.00 | - |
| Glarner Kantonalbank freeME | 0.250% | 0.60% | - | 400.00 | - |
| Bank EEK | 0.200% | 0.26% | - | 400.00 | - |
| Banque Cantonale de Fribourg | 0.200% | 0.34% | - | 300.00 | 30.00 |
| Bank EKI | 0.150% | 0.25% | - | 400.00 | - |
| Bezirks-Sparkasse Dielsdorf | 0.150% | 0.40% | - | 400.00 | - |
| WIR Bank | 0.150% | 0.28% | - | 300.00 | - |
| Bank CIC (Schweiz) | 0.150% | - | - | 300.00 | - |
| AEK BANK 1826 (Rendita) | 0.100% | 0.35% | - | 400.00 | - |
| Alpha RHEINTAL Bank (Privor) | 0.100% | 0.27% | - | 400.00 | 25.00 |
| Alternative Bank Schweiz | 0.100% | 0.05% | 100.00 | 200.00 | 50.00 |
| Bank Gantrisch | 0.100% | 0.19% | - | 400.00 | - |
| Bank Leerau | 0.100% | 0.22% | - | 400.00 | 25.00 |
| Bank Linth LLB | 0.100% | 0.14% | - | 400.00 | - |
| Biene Bank im Rheintal | 0.100% | 0.24% | 60.00 | 400.00 | 25.00 |
| Burgerliche Ersparniskasse Bern | 0.100% | 0.33% | - | 400.00 | 25.00 |
| GRB Glarner Regionalbank | 0.100% | 0.40% | 1.00 | k.A. | k.A. |
| Leihkasse Stammheim | 0.100% | 0.24% | - | 400.00 | 25.00 |
| Raiffeisen Schweiz | 0.100% | 0.48% | - | 250.00 | - |
| Regiobank Solothurn | 0.100% | 0.22% | - | 400.00 | k.A. |
| Sparcassa 1816 | 0.100% | 0.27% | - | 400.00 | 25.00 |
| Sparkasse Schwyz | 0.100% | 0.60% | - | 400.00 | 25.00 |
| Thurgauer Kantonalbank (swisscanto) | 0.100% | 0.22% | 36.00 | 400.00 | - |
| Thurgauer Kantonalbank (pens free) | 0.100% | 0.21% | - | 400.00 | - |
| Ersparniskasse Affoltern i.E. | 0.100% | - | - | 400.00 | 25.00 |
| Spar- und Leihkasse Frutigen (rendita) | 0.100% | - | - | 400.00 | - |
| acrevis Bank (Rendite) | 0.050% | 0.23% | - | 400.00 | - |
| Appenzeller Kantonalbank | 0.050% | 0.28% | 36.00 | 400.00 | - |
| Baloise Bank | 0.050% | 0.15% | - | 400.00 | - |
| Bank BSU | 0.050% | 0.24% | - | 400.00 | 25.00 |
| Bank Cler | 0.050% | 0.19% | 36.00 | 300.00 | 20.00 |
| Bank Oberaargau | 0.050% | 0.10% | - | 400.00 | 25.00 |
| Bank Thalwil | 0.050% | 0.20% | 24.00 | 400.00 | - |
| Banque Cantonale du Valais | 0.050% | 0.15% | 36.00 | k.A. | - |
| Banque Cantonale Neuchâteloise | 0.050% | 0.19% | 36.00 | 400.00 | - |
| Basellandschaftliche Kantonalbank | 0.050% | 0.24% | - | 200.00 | k.A. |
| Basler Kantonalbank | 0.050% | 0.24% | 36.00 | 300.00 | 20.00 |
| Berner Kantonalbank | 0.050% | 0.29% | - | 250.00 | 25.00 |
| Clientis Bank im Thal | 0.050% | 0.15% | - | 400.00 | 25.00 |
| Glarner Kantonalbank | 0.050% | 0.06% | 36.00 | 400.00 | - |
| Luzerner Kantonalbank | 0.050% | 0.13% | - | 300.00 | 100.00 |
| Migros Bank | 0.050% | 0.17% | - | 250.00 | - |
| Nidwaldner Kantonalbank | 0.050% | 0.17% | - | 150.00 | 100.00 |
| Obwaldner Kantonalbank | 0.050% | 0.13% | - | 150.00 | 100.00 |
| Regiobank Männedorf | 0.050% | 0.21% | k.A. | 400.00 | 25.00 |
| Schwyzer Kantonalbank | 0.050% | 0.15% | 36.00 | 400.00 | - |
| Spar- und Leihkasse Bucheggberg (Rendita) | 0.050% | 0.15% | - | 400.00 | - |
| St. Galler Kantonalbank | 0.050% | 0.16% | 36.00 | 400.00 | - |
| UBS | 0.050% | 0.17% | 36.00 | 300.00 | - |
| Urner Kantonalbank | 0.050% | 0.11% | 36.00 | 400.00 | - |
| Valiant Bank | 0.050% | 0.17% | 36.00 | 400.00 | 25.00 |
| Zuger Kantonalbank | 0.050% | 0.16% | - | 200.00 | - |
| Zürcher Landbank | 0.050% | 0.22% | k.A. | 400.00 | 25.00 |
| Clientis EB Entlebucher Bank | 0.020% | 0.14% | - | 400.00 | 25.00 |
| Aargauische Kantonalbank | 0.010% | 0.19% | - | 300.00 | - |
| Banque Cantonale de Genève | 0.010% | 0.17% | - | 500.00 | 120.00 |
| Banque Cantonale Vaudoise | 0.010% | 0.12% | - | 400.00 | - |
| Graubündner Kantonalbank | 0.010% | 0.22% | - | 400.00 | - |
| Schaffhauser Kantonalbank | 0.010% | 0.22% | 36.00 | 400.00 | - |
| Zürcher Kantonalbank | 0.010% | 0.14% | - | 200.00 | - |
| Banca dello Stato del Cantone Ticino | 0.000% | 0.18% | 36.00 | 400.00 | - |
| Bank in Zuzwil | 0.000% | 0.15% | - | 400.00 | 25.00 |
| Bank SLM (Privor) | 0.000% | 0.10% | 36.00 | 400.00 | 25.00 |
| Banque Cantonale du Jura SA | 0.000% | 0.10% | - | k.A. | - |
| Bernerland Bank | 0.000% | 0.20% | 36.00 | 400.00 | 25.00 |
| BS Bank Schaffhausen | 0.000% | 0.19% | - | 400.00 | 25.00 |
| Bank Avera | 0.000% | 0.14% | - | 400.00 | 25.00 |
| Hypothekarbank Lenzburg | 0.000% | 0.15% | - | 400.00 | - |
| PostFinance | 0.000% | 0.11% | 36.00 | 400.00 | - |
| Spar- und Leihkasse Thayngen | 0.000% | 0.17% | - | 400.00 | 25.00 |
What is the average interest rate?
The average interest rate is currently 0.1%. The range of interest rates paid on vested benefits accounts is very wide. It starts at 0% and goes up to 0.6%.
This is more than before, but still not enough. This is because inflation has been higher than the interest on vested benefits accounts since the start of 2022. This means that less can be bought with the money in vested benefits accounts (loss of purchasing power).
The interest on vested benefits accounts is significantly lower than on 3a retirement savings accounts due to the short holding period. If you are interested in a comparison of interest rates for 3a accounts, you can read more in the linked article.
Vested benefits from finpension
Since October 2024, finpension has also been offering a vested benefits account. For greater transparency, our interest rates are linked to the Swiss National Bank’s key interest rate. It only takes a few minutes to open a vested benefits account and switch to finpension.
Is investing an option for you?
Would you like to get more out of your vested benefits? Then the question arises as to whether an investment in securities is an option for your vested benefits account. Once you have clarified this question, we recommend that you compare the offers on the market. We have also drawn up a comparison of pension funds for this purpose.
With the vested benefits from finpension, you can invest vested benefits assets in securities in a broadly diversified manner. The fee is only 0.49 %. It includes the product costs (TER), transaction costs and custody account fees.
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