A comparison of the interest rates of different Pillar 3a accounts
Compare Pillar 3a accounts and benefit from attractive interest rates. As well as comparing interest rates, you can calculate the increase in value and potential payout amount for the Pillar 3a accounts.
Find out more about Pillar 3a savings accountsAD
frankly
developed by Zürcher Kantonalbank
Coupon code:
COMPARIS36059%
more advantageous than similar securities savings offerings.
Cornèr Bank SA
Interest rate
Added value
Capital payout
Tellco AG
Interest rate
Added value
Capital payout
Bank CIC (Schweiz) AG
Interest rate
Added value
Capital payout
Bank WIR
Interest rate
Added value
Capital payout
All amounts in Swiss francs as declared by providers. Last update: 03.06.2025. All information subject to change. © by comparis.ch AG
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A comparison of all of the Pillar 3a products
To provide for your retirement with Pillar 3a, you can choose between savings, securities and insurance products. They all have one thing in common: anything you pay in is tax-free.
Pillar 3a savings account
With Pillar 3a savings accounts, you pay into a bank account and keep saving until retirement with virtually no risk. The interest currently paid on savings is very low – it is not even enough to compensate for the average rate of inflation. Therefore, if interest rates remain low, by the time you retire, your accumulated savings will be worth less than they are today.
Pillar 3a securities account
Do you want better returns and are you also willing to take greater risks? If so, a securities account may be well worth looking into. In this case, the deposits are invested in the money market, which entails a higher or lower risk of loss depending on the proportion invested in stocks. With a long investment horizon of more than ten years, however, you can soon achieve high returns.
Pillar 3a insurance
Insurance in Pillar 3a is an endowment-style policy or insurance with a savings element. The products basically combine pension savings with an insurance policy. You pay in a set annual amount, part of which is invested as a retirement pension. The other part is used to cover both the financial risk of incapacity for work caused by accident or illness as well as the financial consequences of death.
FAQs on Pillar 3a savings
Essentially, a Pillar 3a savings account is just as the name suggests – a vehicle for saving money, and there is virtually no risk involved. With a securities account, you can invest the savings component in securities and benefit from additional returns depending on your personal risk profile. Both of these banking products are more flexible than insurance solutions, but offer no protection in the event of the incapacity to work or death. Pillar 3a insurance policies are pension solutions that contain both a savings element and a risk element.
There is no simple answer to this question. It always depends on your personal situation and individual needs. The best thing to do is to get support from our pension experts and request free advice.
In principle, you cannot withdraw any funds earlier than five years before retirement. In exceptional cases, you can access your money earlier. Further information is available here. Note, however, that early withdrawal from an insurance solution usually leaves you with less money in the savings element.
Yes, all the money you pay into recognized Pillar 3a solutions can be deducted from your taxable income. This also applies if you have invested in an insurance policy. You can use our calculator to find out how much you can save on taxes.
Savings accounts are usually all free of charge. However, there are differences in how much interest they pay and therefore how much they will increase in value.