Save up to CHF 2,400/year on taxes
Every franc you contribute to pillar 3a is deducted from your taxable income. The 2026 ceiling is CHF 7,258 for employees and CHF 36,288 for the self-employed.
Independent Swiss comparator · 2026 rates
Your 3rd pillar,
optimised.
Independent comparison of 35+ Swiss providers — banks, insurers, and digital fintechs. Find the right fit for your tax bracket and life stage in minutes.
- 100% free
- 2 minutes
- No commitment
Live snapshot · 2026Pillar 3a
Average annual tax saving
CHF 2,400
Max deduction (employed)
CHF 7,258
Max deduction (self-employed)
CHF 36,288
Providers compared
35+
Avg fee gap (top vs. worst)
≈ 40%
The right pillar 3a choice can compound into tens of thousands over a working life. Most Swiss residents leave money on the table.
CHF 2,400
Average annual tax savings
35+
Providers compared independently
15 min
Free advisor consultation
5/5
On Google Reviews
Free simulator
Run the comparison in 60 seconds.
Answer 4 quick questions and unlock your personalised shortlist of the best Swiss 3a providers — with a projected capital and tax-saving estimate tailored to your canton.
- 4 quick questions, no jargon
- Estimated tax saving + projected capital
- Your top 3 providers, ranked
- Levin follows up within 24 hours
100% free · No commitment · 35+ providers compared
Your dedicated advisor
Levin Röthlisberger
Independent 3rd pillar advisor
After the simulator, Levin reviews your numbers personally and follows up within 24 hours — no commission, no sales pressure.
Saving
CHF 2,400
Providers
35+
Reviews
5/5
How it works
Three steps to a smarter 3rd pillar.
No paperwork, no sales pressure. Just clear numbers and personal advice.
01
Compare
Tell us about your situation in 2 minutes. We score 35+ providers against your tax profile, age, and goals.
02
Call
Book a 15-minute call with an independent advisor. We walk through the top three options for your case.
03
Save
Open or switch your pillar 3a in a few clicks. Save up to CHF 2,400 every year and compound the rest.
Why compare
Most Swiss residents leave money on the table.
Here's what you actually gain by choosing the right pillar 3a — and why we built this.
Performance compounds
Fee differences between providers can reach 40%. Over 30 years, that's tens of thousands in your pocket — not the bank's.
100% independent advice
We don't work for any provider. Recommendations are based entirely on your profile, tax situation, and goals.
15 minutes, no commitment
A short call is all it takes. No sales pressure, no hidden fees. If we can't help, we'll tell you straight.
Banks · insurers · fintechs
We compare across all categories — UBS, PostFinance, Swiss Life, AXA, VIAC, finpension, frankly and more. The right choice depends on you.
2026 retroactive buy-ins
From 2026 you can pay missing pillar 3a contributions retroactively for up to 10 years. We help you plan the catch-up.
35 providers compared
Banks, insurers, and the new digital wave.
From Swiss Life to finpension, from PostFinance to Inyova — every Geselschaft that matters, side by side.
finpension
Annual fee
0.39–0.42%
Max equity
99%
- Lowest base fees
- True Pension Funds
VIAC
Bank WIR
Annual fee
0.36–0.44%
Max equity
99%
- Free death & disability cover
- Mortgage option
frankly
Zürcher Kantonalbank
Annual fee
0.44–0.48%
Max equity
95%
- ZKB-backed
- No early withdrawal fees on home purchase
True Wealth
Annual fee
0.5%
Max equity
90%
- Robo-advisor
- Includes REITs
Selma Finance
Annual fee
0.68–0.99%
Max equity
97%
- AI-driven advice
- Personal goals
Yuh
PostFinance · Swissquote
Annual fee
0.5%
Max equity
95%
- All-in-one app
- Integrated banking
Yapeal 3a
Annual fee
0.42–0.47%
Max equity
50%
- Swiss neo-bank
- Capped equity exposure
neon
Hypothekarbank Lenzburg
Annual fee
0.41–0.49%
Max equity
99%
- Mobile banking integration
- Free Swiss IBAN
Descartes Finance
Annual fee
0.55–0.75%
Max equity
99%
- Index-based
- ESG-focused
Alpian
Annual fee
0.5–0.75%
Max equity
95%
- Digital private bank
- Personal advisory
Findependent
Annual fee
0.4–0.5%
Max equity
95%
- Sustainable strategies
- Low entry threshold
BLKB Finance
Basellandschaftliche Kantonalbank
Annual fee
0.55–0.75%
Max equity
99%
- ESG strategy
- Cantonal bank backing
Inyova
Liberty 3a Foundation
Annual fee
0.6–0.9%
Max equity
100%
- Impact investing
- Personalised handpicked stocks
elleXX
Vontobel
Annual fee
0.55–0.7%
Max equity
95%
- Gender-equal funds
- Impact themes
Liberty Green
Liberty 3a Foundation
Annual fee
0.5–0.7%
Max equity
99%
- Sustainable strategies
- Custom portfolios
UBS key3 / key4
Annual fee
0–0.6%
Max equity
—
- Major Swiss bank
- Account & funds options
PostFinance 3a
Annual fee
0–0.85%
Max equity
—
- Most-used Swiss bank
- Fund range
Raiffeisen
Annual fee
0–1.1%
Max equity
—
- Cooperative bank
- Local advisors
Zürcher Kantonalbank
Annual fee
0–0.85%
Max equity
—
- Largest cantonal bank
- AAA-rated
BCV
Annual fee
0–1%
Max equity
—
- Vaud cantonal bank
- Local advisory
Migros Bank
Annual fee
0–0.95%
Max equity
—
- Retail bank
- Fund-based options
Bank Cler
Basler Kantonalbank
Annual fee
0–0.9%
Max equity
—
- Modern retail bank
- Zak app
Swisscanto
Cantonal banks · ZKB
Annual fee
0.45–0.95%
Max equity
—
- Pension specialist
- Backed by cantonal banks
Tellco pk
Annual fee
0.45–0.9%
Max equity
—
- Pension foundation specialist
- Multiple strategies
Swiss Life
Annual fee
—
Max equity
—
- Risk + savings combo
- Disability cover
AXA
Annual fee
—
Max equity
—
- SmartFlex products
- Bundled risk cover
Zurich
Annual fee
—
Max equity
—
- Vita 3a foundation
- Risk-savings hybrids
Vita
Zurich
Annual fee
0.6–1%
Max equity
—
- Pension foundation
- Multiple strategies
Helvetia
Annual fee
—
Max equity
—
- Risk + savings
- Helvetia Invest 3a
Generali Switzerland
Annual fee
—
Max equity
—
- Italian-Swiss
- Bundled life cover
Allianz Suisse
Annual fee
—
Max equity
—
- Global insurer
- Lifecycle products
Baloise
Annual fee
—
Max equity
—
- Swiss-rooted insurer
- Perspectiva foundation
Die Mobiliar
Annual fee
—
Max equity
—
- Cooperative insurer
- Strong local brand
Vaudoise Assurances
Annual fee
—
Max equity
—
- Romandie focus
- Mutual structure
Pax
Annual fee
—
Max equity
—
- Cooperative insurer
- Pension specialist
Digital fintechs
App-first foundations with low fees and high equity exposure.
Sustainable & impact
ESG and impact-focused 3a strategies for values-driven savers.
Banks & cantonal banks
Traditional account-based 3a and bank-managed fund solutions.
Insurance-linked
Insurance products bundling savings with risk cover (death/disability).
What our clients say
5.0/5 on Google.
GoogleFrom real clients
“As a 44-year-old graduate in business administration, I wanted my finances, insurance and especially pension reviewed by a neutral party. The team only positively surprised me. I learned a lot — particularly how to invest and save (also for the kids) so that the bank or insurer doesn't pocket the upside, but the appreciation stays in my family. Thank you to the team, especially Levin.”
“Fantastic financial advice. You're informed down to the smallest detail and walk away with a solid foundation for your own financial competence. The advisors are reliable and practically available 24/7 — questions get answered fast. The team isn't focused on how much they can earn from you, but on giving you a useful education in the world of finance.”
“Not your regular financial advice — a serious and caring life-planning experience. You get real insight into every part of financial planning, explained in a clear and warm way. No 2-meeting rush to sign contracts you don't understand. The team takes its time. A big thank-you to Levin Röthlisberger.”
“Thanks to the extremely thorough advice, I quickly expanded my knowledge of finances, insurance and savings/investment options and got a clear overview of my financial situation. The packages and investment options shown to me were a perfect fit. Heartfelt thanks for the helpful advice.”
“I was advised over a longer period and the recommendations and coaching changed my life positively. I had been sceptical of the finance industry — they took me in a very positive direction. The 3a I opened was reviewed beforehand by a banker friend of mine. His verdict: he had never seen such a customer-friendly 3a product, and was impressed himself.”
“I received comprehensive guidance through the world of finance. It was genuinely engaging and I learned a lot. I now feel safer managing my finances, and whenever I need help I can simply reach out. My needs were taken seriously, and I had everything explained to me clearly. An empathetic, expert advisor.”
FAQ
Frequently asked questions.
The essentials, answered. If you don't see your question, ask us on the call.
Pillar 3a is the private, tax-favoured layer of the Swiss pension system. Contributions are deducted from your taxable income up to a yearly cap. Capital is locked until five years before the regular retirement age, with limited early-withdrawal exceptions (e.g. buying your main residence, becoming self-employed, or leaving Switzerland permanently).
Employees affiliated to a 2nd-pillar pension fund can contribute up to CHF 7,258. Self-employed without a 2nd pillar can contribute up to 20% of net earned income, capped at CHF 36,288. From 2026, retroactive buy-ins for missed 3a years (up to 10 years) are also possible.
Yes. Our tool is entirely free, with no email-wall and no hidden charges. We are paid only when you choose to open or switch a 3a — and only by partners that compete fairly on quality. Our recommendations remain independent.
An advisor walks you through the top three providers for your tax bracket, age, and risk appetite. We answer your questions, model your tax saving, and sketch a 5–30 year projection. There's no pressure to decide on the call.
Yes — and many people should. Switching from a high-fee insurance or bank product to a low-cost securities solution can free up tens of thousands over a working life. We handle the transfer paperwork with you.
You can usually withdraw your pillar 3a when leaving Switzerland permanently. Tax treatment depends on your destination country and the canton holding your foundation — picking a low-tax canton (Schwyz, Zug) for the foundation can meaningfully reduce withdrawal tax.
Ready when you are
Optimise your 3rd pillar in 15 minutes.
Free, independent, no commitment. Book your call and we'll tell you exactly where to put your francs.