New Interest Rate Comparison for Vested Benefits Accounts Launched
On Nexano, you can now compare the daily updated interest rates of leading vested benefits account providers.
Vested Benefits Account: What is it?
In Switzerland, a vested benefits account is a special bank or pension account used to secure pension fund assets when an individual terminates their employment and (for the time being) does not join a new pension fund.
When is a Vested Benefits Account Established?
- When you change jobs and the assets are not directly transferred to the new pension fund.
- When you take a break from employment (e.g., for extended further education, family leave).
- When you leave Switzerland but cannot (yet) have the money paid out.
Purpose
The vested benefits account is part of the 2nd pillar (occupational pension scheme). It ensures that accumulated pension fund assets remain secured until they are transferred to a new pension fund or paid out upon reaching retirement age.
Significant Differences in Conditions
Our new interest rate comparison for vested benefits accounts from leading providers reveals significant differences in conditions. As of 2025-09-16, the average interest rate is 0.095%. The best interest rate is 0.41%. Several providers offer the lowest interest rate at 0.0%.
Top 3 Providers as of 2025-09-16:
| Vested Benefits Account Provider | Vested Benefits Account Interest Rate |
|---|---|
| Freizügigkeitskonto.ch | 0.41% |
| Crédit Agricole / Next Bank | 0.35% |
| BBO Bank Brienz Oberhasli | 0.30% |
Also Consider the Fees
When choosing a provider for your new vested benefits account, not only the interest rates but also the fee structure should be considered. Some providers charge an account maintenance fee. Other service providers waive ongoing fees but charge a settlement fee as soon as the account is closed. If you are planning to purchase a home soon and wish to use your vested benefits funds through a WEF withdrawal (home ownership promotion), then also examine the fees for the WEF withdrawal. Some providers charge CHF 400.00 or more for the withdrawal.
