To qualify, you must be resident in Switzerland, have a declared AVS/AHV income and be subject to tax in Switzerland. You can start this process at the age of 18 and continue it until you retire, up to a maximum of five years after reaching normal retirement age, but no earlier than five years before reaching AVS retirement age.

You can make a transfer from another bank using the PDF form, or from one Swissquote account to another.

We can also help you repatriate your 3rd pillar. To do this:

1. Open a Swissquote account
2. Activate 3a Easy
3. Complete and sign the transfer form that will be provided to you
4. Return this form to the institution with which you hold your 3rd pillar plan.

The 3a Easy Saving Strategy is net of fees.

For investment strategies, flat fees of 0.60% apply.

Yes, you can open several accounts.

In 2023 and 2024, the maximum amount employees can pay into their 3a pillar is CHF 7’056 per calendar year. For the self‑employed, the ceiling is 20% of net income, with a maximum of CHF 35’280 per year.

• Attractive interest rate of 1.20%
• Easy transfer of funds between 3a Easy strategies
• Bankruptcy privilege of up to CHF 100’000

The 3a Easy savings strategy is exempt from fees.

The rate is fixed at 1.20%, based on the Saron 0.5%, and may fluctuate over time.

A minimum deposit of CHF 100 is required.

Yes, at any time and with no withdrawal limits or conditions.

The investment strategies are subject to a flat‑rate commission fee of 0.60%.

A strategy is active and a change takes effect as soon as it is selected and until you decide to stop it via the Setup option.

The funds will be invested no later than the business day following the deposit. Please note that funds will only be invested if the minimum initial deposit and/or reinvestment amount is reached (CHF 100 for the initial deposit, CHF 100 for reinvestments).

• As soon as the minimum deposit is made (CHF 100 for the initial deposit, CHF 100 for reinvestments): no later than the next business day.
• In the event of a change in investment strategy: no later than two business days after the change.

It works with UBS Vitainvest funds. We will then hold equities, fixed‑income securities, property and, of course, cash! Pursue your retirement saving goals while supporting return‑oriented investment.