Open your vested benefits account easily online
Benefits
Advantages of the vested benefits account with finpension
With a vested benefits account at finpension, you save yourself the tedious trip to a bank counter. You can open a vested benefits account online in just a few minutes. You also remain flexible as to whether you want to invest the money in securities at a later date.
Just as safe as a bank
The finpension vested benefits account is just as secure as a bank account. This is because the cash holdings of finpension’s two vested benefits foundations 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, vested benefits accounts of up to CHF 100,000 per customer are privileged. They fall into the second instead of the third bankruptcy class.
Simple & online
Flexible
Investment form can be changed to a securities solution at any time
Transfer made easy
The transfer service makes a transfer very easy
Splitting
Manage both parts of your pension fund splitting in one app
Fees
You receive a fair interest rate
Banks often change their interest rates arbitrarily. If interest rates rise, most banks raise their interest rates late. However, they pass on interest rate cuts quickly. This is how banks profit from the inertia of their customers. Who wants to change providers every time?
finpension offers more reliability. Our interest rate is linked to the key interest rate of the Swiss National Bank. The key interest rate has been 0.25 % since 21 March 2025.
Flat rate fee of 0.49 %
The management fee of the finpension vested benefits foundation applies to both forms of investment (account and securities) and is only 0.49 %.
| Current interest rate of the Swiss National Bank | 0.25% |
| finpension fee | -0.49% |
| Current net interest credit | -0.24% |
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 0.49 %.
0.25 %
before deducting the fee
Transfer
Switching the vested benefits account is simple
Transferring your vested benefits is very simple. As soon as you have opened an account with finpension, you can download our transfer form. Send the completed form to your old pension fund or your previous provider. We will notify you by e-mail as soon as the money has arrived in your vested benefits account or custody account with finpension.
Print & Send service
We would like to make the transfer of your vested benefits as easy as possible for you. We will therefore be happy to send you the transfer form by post on request. You will also receive a pre-franked envelope from us. This makes it easy for you to send off the transfer form.
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Process
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:
Create login
Open the app and create a login with your mobile phone number.
Step
1
Choose 100% Cash (account)
Select the 100% Cash (account) option to open a vested benefits account.
Step
2
Record personal data
Enter your personal details (have your health insurance card ready, as we need your AHV number).
Step
3
Finalise opening
Complete the opening without making any commitments.
Target
4
FAQ
Questions & answers about the vested benefits account
What is a vested benefits account and when do I need one?
A vested benefits account is an account in which you can deposit the money you have saved from your pension fund. You need a vested benefits account if you are temporarily not affiliated to a pension fund. For example, if you quit your job and take some time off.
Who can open a vested benefits account with finpension?
Basically, anyone between the ages of 18 and 70 can open a vested benefits account with finpension.
However, you only need a vested benefits account if a so-called vested benefits case arises. Simply put: as soon as you leave your pension fund and do not join a new one, this constitutes a vested benefits case. Examples include:
- Career break: You are unemployed (e.g. travelling the world, further education, childcare, etc.).
- Moving abroad: You are emigrating and choosing not to withdraw your pension funds. Or you are working abroad temporarily.
- Falling below the BVG entry threshold: Your salary is now below the BVG entry threshold.
- Self-employment: You become self-employed and choose not to withdraw your pension fund assets.
- Divorce settlement: You have divorced and received part of your former partner’s pension fund assets. If you are not affiliated with a pension fund, these assets are transferred to a vested benefits account.
Do I have to transfer money when I open a vested benefits account with finpension?
At finpension, you can open a vested benefits account and explore our app without any obligation. Downloading and registering is free of charge.
Can I open two vested benefits accounts with finpension?
If you want to split your pension fund assets, you can open two vested benefits accounts with finpensio, one with the first vested benefits foundation and one with the second vested benefits foundation of finpension. We explain how to proceed on the page of the finpension Vested Benefits Foundation II.
Can I make voluntary payments into my vested benefits account?
No, unfortunately this is not possible. Only what you have saved in a pension fund can be deposited in a vested benefits account.
What happens to the vested benefits account if I have an employer again?
You must return the vested benefits to the pension fund if you have a new employer. However, we are not aware of any case in which this legal obligation has ever been enforced by a pension fund against a new insured person.
If you do not contribute vested benefits when you join a new pension fund, you may be asked by the pension fund to do so.
When can I have the vested benefits account paid out?
You can usually only withdraw your vested benefits account assets upon reaching retirement age. Specifically: at the earliest, five years before and, at the latest, five years after reaching the reference age. Early withdrawals are possible in exceptional cases, such as for home ownership, starting self-employment, or emigrating.
Note: From 2030 onwards, deferring the withdrawal of vested benefits beyond the statutory retirement age will no longer be possible without further requirements. From then on, a proof of continued employment will be required.
Who receives the vested benefits in the event of death?
Vested benefits assets do not form part of the deceased person’s estate and are therefore not distributed like ordinary assets. Pension assets are primarily intended to benefit those who were financially dependent on the deceased. You can find out how the funds are allocated in our article on vested benefits accounts in the event of death.
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
Have your health insurance card ready – it contains the AHV number you will need for registration.
Vested Benefits Foundation