💰 Savings & Pillar 3a in Switzerland

Optimize your savings with pillar 3a and the best Swiss savings accounts.

7 258 CHF
Deductible/year (pillar 3a)
0.17%
Minimum fees VIAC
2 000 CHF
Average tax savings
💡 * This site contains affiliate links. We may earn a commission if you subscribe via our links, at no extra cost to you.
Essential

Why Pillar 3a is the #1 investment in Switzerland

Pillar 3a is Switzerland's most advantageous private retirement savings mechanism. You deduct contributions from taxable income, immediately reducing your tax bill.

✅ Immediate tax deduction up to CHF 7,258/year
✅ Tax-free growth for the entire duration
✅ ETF investment possible (better returns)
✅ Withdrawal from age 59 (women) / 60 (men)
✅ Usable for real estate purchase or self-employment
Épargne pilier 3a Suisse
Concrete example: income CHF 80,000/year in Geneva
≈ CHF 2,100 saved in taxes
just by contributing to pillar 3a
Pilier 3a

Best pillar 3a providers in Switzerland 2025

VIAC
Pillar 3a investment
⭐ Best price

VIAC is Switzerland's cheapest pillar 3a provider. Invest up to 97% of your 3a in ultra-low-cost ETFs. Managed by WIR Bank — 100% Swiss.

Fees 0.17-0.52%/year 97% ETF WIR Bank Mobile app
0.17% /year
From CHF 1
Open my 3a →
Frankly
By Zürcher Kantonalbank
Max security

Frankly is Zürcher Kantonalbank's (ZKB) pillar 3a app — one of the world's safest banks. ETF investing with state guarantee.

ZKB guarantee ETF Fees 0.49%
0.49% /year
ZKB
Discover Frankly →
finpension
Pillar 3a & OPA
Max return

finpension offers maximum investment flexibility: up to 99% in equities, customized strategies, low fees. Ideal for savvy investors.

99% equities Fees 0.39% 100% ETF strategy
0.39% /year
100% ETF
Get started →
Savings accounts

Best interest rates on savings accounts in Switzerland

Compare the best savings rates currently available in Switzerland

Bank Savings rate Youth rate No fees Max amount Action
Neon Save Top 1.50% — ✓ Illimité Open
Migros Bank 1.25% 2.00% ✓ 250 000 CHF View
Postfinance 0.75% 1.50% ✓ 500 000 CHF View
Yuh Save 1.00% — ✓ Illimité View

* Indicative rates at time of publication. Check current rates on official websites.

🧮 Calculator

Calculate your pillar 3a tax savings

30k80 000 CHF250k
5007 258 CHF7 258
Estimated tax savings this year
2 087 CHF
over 30 years: 62 610 CHF

* Indicative estimate. Consult a tax advisor for your personal situation.