Open the simplest 3a account in Switzerland online

Opening a pillar 3a account with finpension is very simple. You receive reliable interest and remain flexible when making payments. This makes saving taxes, even more fun.

Advantages of the 3a account with finpension

You benefit twice over with a 3a account. On one hand, you save for old age, and on the other, you can make a tax deduction for the payments.

The finpension pillar 3a account offers further advantages:

• There is no minimum fee. You can join from as little as 1 franc.
• You can open up to five portfolios. Each portfolio counts as a separate 3a credit balance.
• You can change the type of investment at any time if you wish to invest all or part of your pension fund at a later date.
• Existing 3a pension assets can be easily transferred to finpension. Follow the deposit button in the app.
• You will receive a fee credit of CHF 25 for each successful recommendation.

Just as secure as with a bank

The finpension 3a account is just as secure as a bank account. This is because the cash holdings of the finpension 3a Retirement Saving Foundation are held in accordance with the regulations at banks that are subject to supervision by the Swiss Financial Market Supervisory Authority (FINMA).

If a bank goes bankrupt, 3a assets per customer up to CHF 100,000 are privileged. They fall into the second instead of the third bankruptcy class. This applies equally to bank foundations and the 3a retirement savings foundation of finpension.

The best interest rate for your 3a account is the transparent interest rate

If the SNB is forced to reintroduce negative policy rates, the interest rate for our customers will remain at a minimum of 0 %. This applies to negative interest rates up to a maximum of minus 0.75 %. Less fees, this would correspond to a return of minus 0.39 %.

Administration fee of 0.39 %

The management fee of finpension’s 3a pension foundation applies to both forms of investment – i.e. account and securities – and amounts to 0.39 %.

Current interest rate of the Swiss National Bank	1.00 %
Administration fee finpension	– 0.39 %
Current net interest credit	0.61 %

Save taxes with pillar 3a: it’s that simple

Pay into your 3a account. We will then send you a certificate for your tax return at the beginning of the following year. Enter the payments into your pillar 3a account in your tax return under “Deductions” and enclose the tax certificate. This will reduce your tax bill. The maximum amount for deposits is currently

• with a pension fund at CHF 7,056
• without a pension fund at CHF 35,280

Did you know that you can save with pillar 3a not only through the tax deduction of deposits? There are other ways to save taxes. You can find out more about this in the article on pillar 3a tax savings.

Pillar 3a transfer made easy

Transferring your 3a account is very simple. Open an account with finpension. Then all you have to do is download the transfer form, fill it in, and send it to your old provider. We will notify you by e-mail as soon as the money has arrived in your 3a account with finpension.

Print & Send service

To make it as easy as possible for you to transfer your 3a assets, we will be happy to send you the transfer form by post. You will also receive a pre-franked envelope from us. This allows you to conveniently forward the transfer form to your previous pension fund.

Open your pillar 3a account with finpension now

You can register directly via our web app or by downloading the finpension app to your smartphone. Your 3a account can be opened in less than three minutes:

1. Open the app and create a login.
2. Select the 100 % cash option for a 3a account.
3. Enter your name and address.
4. Finalise the opening.