Pillar 3a Interest Comparison Launched on Nexano.Ch
On Nexano.ch, you can now clearly compare the up-to-date interest rates of dozens of Pillar 3a providers.
Pillar 3a – Switzerland’s Private Retirement Provision
In Switzerland, Pillar 3a supplements the AHV (1st Pillar) and the pension fund (2nd Pillar). It is voluntary, but offers a double benefit: on the one hand, you save for retirement, and on the other hand, you reduce your taxable income thanks to tax deductions.
A defined maximum amount can be paid in annually. The accumulated money generally remains tied up until retirement, but can be withdrawn earlier under certain conditions – for example, when purchasing residential property or emigrating. Upon withdrawal, a one-time, reduced tax is incurred. Thus, Pillar 3a helps to close the pension gap after retirement and to better secure your financial future.
Significant Interest Rate Differences among Providers
Our new interest rate comparison on Nexano shows that the differences in conditions are immense. As of September 8, 2025, Cornèr Bank offers the best interest rate of 0.8% in our Pillar 3a interest rate comparison. Postfinance is at the bottom with an interest rate of just 0.05% on its Pillar 3a account solution.
Unlike other investment forms such as bank bonds, the interest rate for Pillar 3a accounts is not fixed. The interest rate can be adjusted by the bank at any time. But how relevant is the interest rate really?
Let’s take a simple example. We invest CHF 50,000 in our Pillar 3a account for 5 years. Once with an interest rate of 0.05% and once at 0.8%. After 5 years, the results are as follows:
- Interest rate 0.05%: Final capital after 5 years: CHF 50,125.13
- Interest rate 0.8%: Final capital after 5 years: CHF 52,032.26
The difference is therefore: CHF 1,907.13
Changing Pillar 3a Providers is Easy
Good news: You can transfer your Pillar 3a assets from one bank or insurance company to another provider at any time.
Good to know:
- The transfer is free of charge; the provider may not charge any fees.
- The assets are transferred directly from the old provider to the new one; you do not receive the money yourself.
- You can maintain several 3a accounts. This later facilitates staggered withdrawals and reduces the tax burden.
