Open a vested benefits account: Now easy online

Park your money from the pension fund in a vested benefits account with finpension. You need a vested benefits account if you are leaving the pension fund and do not (yet) have a new pension fund.

Advantages of the vested benefits account with finpension

• There is no minimum fee and no obligation to transfer pension assets.
• There is no minimum contract period.
• As we have two vested benefits foundations, you can split your pension fund.
• 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.
• Transferring pension assets to finpension is very simple. Follow the transfer button in the app.
• You will receive a fee credit of CHF 25 for each successful recommendation.

No arbitrariness with interest rates

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 0.49 %.

Management fee of 0.49 %

A flat-rate management fee of 0.49 % is charged for the account and securities. Interest is paid on the cash portion in both forms of investment. To the fee schedule.

Current interest rate of the Swiss National Bank	1.0 %
Administration fee finpension	– 0.49 %
Current net interest credit	0.51 %

Switching the vested benefits account is simple

Transferring your vested benefits account is very simple:

1. Register with finpension.
2. After registering, you will automatically receive an e-mail from us with the transfer form. You can also download the form in the app (button: Transfer).
3. Complete the transfer form and send it to your previous pension fund.
4. We will notify you by e-mail as soon as the money has been credited to your vested benefits account with finpension.

Transfer form by post – the additional service from finpension

We can also send you the transfer form by post on request. You will also receive a pre-paid envelope so that you can conveniently forward the transfer form to your previous vested benefits institution.

Open a vested benefits account: It’s that simple

Open a vested benefits account in three minutes. Register via our web app or by downloading the finpension app to your smartphone. We’ll show you how easy it is:

1. Create a login.
2. Select the option 100 % Cash (account).
3. Enter your personal details (have your health insurance card ready, as we need your AHV number, which is on your health insurance card).
4. Finalise the opening.

I am already a finpension client; how can I open a vested benefits account?

Existing customers can add the vested benefits solution in the app on the dashboard by clicking on the red “+ Add product” link.