Open up to five accounts to withdraw them in stages at a later date
Advantages
The advantages of a 3a account with finpension
You benefit twice over with a 3a account. On the one hand, you save for old age, and on the other, you can make a tax deduction for every payment you make. The finpension pillar 3a account offers further advantages.
Just as secure as 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 Savings 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 of up to CHF 100,000 per customer are privileged. They fall into the second instead of the third bankruptcy class. This applies equally to bank foundations and the 3a foundation of finpension.
Up to 5 accounts
Flexible
You can change the type of investment at any time and invest all or part of it in pension funds
3a transfer made easy
Transferring 3a pension assets is easy thanks to the Print & Send service
CHF 25 per recommendation
You will receive a fee credit for every successful recommendation
Conditions
You receive a fair interest rate
Banks often change their interest rates arbitrarily. If interest rates rise, most banks increase their interest rates with a delay. If interest rates fall, however, they are lowered immediately. This is how banks capitalise on their customers’ inertia. Who wants to bother with a new provider every time?
finpension, where the interest rate is linked to the Swiss National Bank’s policy rate, offers more reliability. This has been 0.25 % since 21 March 2025.
Administration fee of 0.39%
The administration fee of finpension 3a Retirement Savings Foundation applies to both forms of investment (account and securities) and is only 0.39 %.
| Current interest rate of the Swiss National Bank | 0.25% |
| Administration fee finpension | -0.39% |
| Current net interest credit | -0.14% |
If the SNB is forced to reintroduce negative interest 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 maximum negative return of minus 0.39 %.
0.25 %
before deducting the fee
Taxes
How easy it is to save taxes
Tax savings of up to CHF 3,500 are possible by paying into pillar 3a. Use our 3a tax calculator to find out how much you can save in tax.
For a more detailed calculation, we recommend the federal tax calculator. You can use it to calculate how much tax you pay before and after the tax deduction. The difference corresponds to the tax saving.
At the beginning of the year, you will receive a tax return certificate from us. Enclose the certificate with your tax return and enter your 3a payments under ‘Deductions’. This will reduce your taxable income and therefore also the amount of your next tax bill.
Your tax savings amount to
up to
1,530.00 CHF
Single person aged 40, non-denominational and without children
Transfer
Pillar 3a transfer made easy
Did you know that you can easily change your 3a provider? After opening an account with finpension, you can download a transfer form from us. Send the completed form to your old bank. We will notify you by e-mail as soon as the money has arrived in your pillar 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 receive a pre-paid envelope from us. This allows you to conveniently send the transfer form to your previous pension fund.
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Prozess
Opening a 3a account with finpension is very simple
Open a 3a account with finpension in just a few minutes and remain flexible as to how much you want to pay in afterwards. Enter the deposits as a deduction in your tax return. At the beginning of the year, you will receive a tax certificate from us, which you can enclose with your tax return. Saving tax is that easy.
Open a 3a account
Register in the finpension app by opening an account with the 3a Retirement Savings Foundation.
Step
1
Make a deposit
Transfer as much money as you like. However, stick to the maximum amount specified in the app. Standing orders are also possible.
Step
2
Recording tax deductions
At the beginning of the year, you will receive a certificate from us confirming your payments. Enter the deduction in your tax return.
Step
3
Pay less tax
You can look forward to a lower tax bill.
Aim
FAQ
Questions & answers about the 3a account from finpension
What is a 3a account anyway?
A 3a account is used for financial provision for old age. You can only withdraw the money paid into a 3a account when you retire. This is why it is also referred to as ‘tied’ pension provision. There are a few exceptions where you can withdraw the money earlier.
Die Einzahlungen können Sie in der Steuererklärung vom steuerbaren Einkommen abziehen. Beim Bezug fällt eine reduzierte Steuer an.
Who can open a 3a account with finpension?
In principle, anyone over the age of 18 can open a 3a account with finpension. However, in order to be able to deduct the payments into your 3a account with finpension from your taxable income, you must have earned income subject to AHV contributions.
If you can prove that you are gainfully employed beyond the normal retirement age, you can continue your pillar 3a for a maximum of five years beyond the statutory AHV reference age and continue to make payments during this time.
Information on special cases (unemployment, cross-border commuters, early retirement) can be found in the blog post: Who can pay into the 3rd pillar?
How much do I have to pay in when I open a 3a account with finpension?
When you open a 3a account with finpension, you are under no obligation to pay in money. You are free to decide at any time how much and when you transfer money. Try it out without obligation. There are no minimum fees.
What is the maximum amount I can deposit when I open a 3a account with finpension?
A distinction is made between persons who are affiliated to a pension fund (2nd pillar) and those who are not affiliated to a pension fund.
For people with a pension fund, the maximum payment for one year is limited to CHF 7,258. Persons without a pension fund may pay up to CHF 36,288 per year into pillar 3a, but no more than 20% of their net earned income (gross income less AHV, IV, EO and ALV contributions).
How long does it take for a deposit to be credited to my 3a account with finpension?
Deposits with finpension are credited to your portfolio one working day after receipt of payment.
How many 3a accounts should you have?
Tax is payable on withdrawals from 3a accounts. As this tax is progressive, it is worth spreading your pillar 3a withdrawals over several years.
In order to be able to withdraw pillar 3a in stages, you must set up several 3a accounts. With the exception of withdrawals for home ownership, you can only ever withdraw the assets in a 3a account as a whole.
A rule of thumb says that you should open another 3a account if you have CHF 50,000 or more. This is not true for every canton of residence. Read more on this topic in the following blog post: Multiple pillar 3a accounts: How many makes sense?
When can money in a 3a account with finpension be withdrawn again?
You can withdraw pillar 3a at the earliest five years before you reach the statutory AHV reference age.
However, there are exceptions. In these cases, you can withdraw the credit in advance:
- To finance home ownership (home ownership subsidy).
- When taking up self-employment.
- If you emigrate and leave Switzerland permanently.
- When drawing a full disability pension and if the disability risk is not insured.
Web application and mobile app
Register now & try it out without obligation
You can register directly via our web app or by downloading the free finpension app to your smartphone. No minimum fee and no obligation to make a deposit.
- From 1 CHF
- Up to 5 independent portfolios
- Free choice between account or securities
- 25 CHF fee credit per referral
3a Retirement Savings Foundation