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Pillar 3a · Switzerland

What banks pay on a 3a account

The interest rates that the banks we read publish for their 3a pension accounts, read from their own pages every working day. Pick your balance: we show what each rate pays you a year.

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  • highest standard rate of the banks we read
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These are the rates each bank publishes for its 3a savings account, read every working day by our price bot (MEconomyBot) and checked against the page twice before they are shown. Rates that need something more (a bank package, the bank’s app) are shown under the bank’s rate with their condition and are never ranked against it. Interest on a 3a account is not subject to withholding tax (Federal Withholding Tax Act (VStG), Art. 5 para. 1 let. d, read 16.10.2026).

The most you can pay into pillar 3a as an ordinary contribution and deduct from your taxable income is CHF 7’258 in 2026 if you have a pension fund, or 20% of your net earned income up to CHF 36’288 if you do not (Federal Social Insurance Office, “Die dritte Säule”, read 16.10.2026). From 2027: CHF 7’373 and CHF 36’864 (Federal Council, 02.10.2026, read 16.10.2026).

If you paid less than the maximum in a year from 2025 on (BVV 3, transitional provision of the amendment of 06.11.2024, read 16.10.2026), you can make up the gap later, on top of your ordinary contribution, up to ten years back, and deduct it from your taxable income, provided you were entitled to pay into 3a in that year; the first buy-in is possible in 2026, for 2025 (Ordinance on the Tax Deductibility of Contributions to Recognised Forms of Pension Provision (BVV 3), Art. 7a, read 16.10.2026; Federal Social Insurance Office, “Die dritte Säule”, read 16.10.2026). A buy-in is capped each year at the lower maximum above (CHF 7’258 in 2026, CHF 7’373 in 2027) for everyone, including the self-employed without a pension fund, so a larger gap can be made up only in part. You can buy in only in a year in which you pay your full ordinary contribution, and each year’s gap can be closed by one buy-in only, although one buy-in can cover several years. Buy-ins end once you draw your old-age benefit and, at the latest, five years after the reference age (BVV 3, Art. 7a paras 4 and 5, with Art. 7 para. 3, read 16.10.2026).

This page compares 3a savings accounts. 3a fund solutions from banks and apps invest in securities, carry market risk and charge fees; they are not compared here yet.

Not yet included: Tellco, CA next bank, Bank CIC, BCF, Liberty, DC Bank, Zuger Kantonalbank, VIAC, frankly and finpension. We read their 3a account rates next. The highest rate shown is the highest among the banks we read, not among every provider. Banks that publish no 3a rate on a page our bot may read (BEKB and others) are not included either.

MEconomy is not paid by these banks and passes nothing on to them; the links go straight to the bank (how we make money).