3rd Pillar Quote 2026: Compare 35+ Banks & Insurance Providers
- Free of charge and without obligation
- Quote within 24h
- Quick online calculation
- Tax and yield optimization
Receive your 3rd pillar quote in 24 hours
Fill in this form and our experts will contact you to analyze your situation and propose a suitable solution. Personalized response within 24 hours, no obligation.
Calculate your return potential
How to get your 3rd pillar analysis and quote?
- Fill out the online form (2 minutes): Fill out our form with your basic information to start your file.
- Personalized interview One of our provident advisors will briefly contact you. This step is essential to validate your tax objectives and risk profile (details that no robot can guess).
- Delivery of your personalized comparison: Within 24 hours of our conversation, you will receive your complete 3rd pillar quote, including a rigorous selection of the best banking and insurance offers on the market.
New: buybacks in Pillar 3a from 2026
Thanks to the new regulation, you can now catch up on your foresight gaps from the last 10 years. During your personalized interview, our advisors will calculate for you the maximum that you can buy back to maximize your tax deduction this year.
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Receive your free 3rd pillar quote within 24 hours
Get personalized offers from 3rd pillar (3a/3b) tailored to your profile:
- Comparison of several service providers selected according to strict internal banking and insurance criteria
- Personalized advice from pension and asset management experts
- Detailed estimate with projections
- No obligation
Why a 3rd pillar?
The 3rd pillar A is a key part of retirement planning in Switzerland, allowing you to build retirement capital while benefiting from significant tax deductions. Comparing 3rd pillar offers helps you find the option best suited to your professional situation, investor profile, and savings goals.
Pillar 3a offers a triple tax advantage:
- Your bonuses (up to CHF 7,258 in 2026) are fully deductible from your taxable income.
- Total exemption The accumulated capital is exempt from wealth tax, and the returns are exempt from withholding tax for the entire duration of the contract.
- Preferred withdrawal: Upon exit, the capital is taxed at a reduced rate, separately from your other income.
Should I subscribe to a 3a or 3b?
The choice between Linked 3rd pillar (3a) and the Free 3rd pillar (3b) depends on your residency status, tax objectives, and cash needs.
Choose 3a for maximize your tax savings immediate and build protected retirement capital.
Choose the 3b for one more flexible savings, protect your loved ones with a flexible beneficiary clause, or if you have already reached the 3a ceiling.
Your personalized 3rd pillar quote can include a combination of both solutions to optimize your overall strategy.
What does a 3rd pillar offer contain?
- The chosen fund
- Annual fee (TER)
- Investment strategy
- Projected cash surrender value based on several scenarios
- Existing benefits (death, disability)
- Expense structure
- Conditions if you stop or modify the contract
The advantages of a tailored 3rd pillar offer
- Tax deductions: Up to CHF 7,258 per year for employees, CHF 36,288 for the self-employed
- Capital guaranteed: Secure your savings with solutions tailored to your risk tolerance
- Flexibility: Choose or combine third pillar banking or insurance according to your needs
- Tax optimization: Reduce your annual tax bill significantly
- Multi-subscription: We help you divide your 3a accounts among several providers to optimize your retirement taxes.
What type of 3rd pillar plan should I choose?
There are a wide range of options for the 3rd pillar, either through a bank or an insurance provider. Most products can be subscribed to within both tied pension schemes (pillar 3a) and flexible pension schemes (pillar 3b).
In insurance, a third pillar is often set up in the form of a life insurance policy or income protection insurance, while in banking, a 3a or 3b most often corresponds to a standard savings account or one linked to investment funds.
Comparing 3rd pillar plans will help you choose the solution best suited to your profile and goals.
Who can take out a Pillar 3a?
People working in Switzerland — whether you're an employee or self-employed — who generate income subject to AVS can open a 3a pillar.
People taxed at source (e.g., cross-border workers, holders of a B permit) can take out a 3a, but the tax deduction is only available under certain conditions. Please contact us for more information on this topic.
Can I transfer my 3rd pillar from one institution to another?
Yes, it is possible to transfer your third pillar, whether from one bank to another or from an insurance company to another 3a pension solution.
In the case of Pillar 3b, the transfer terms and conditions also depend on the contract.
How does our 3rd pillar offer comparator work?
Our comparison tool allows you to receive personalized 3rd pillar quotes from approved banks and insurance companies in Switzerland within 24 hours. In just a few clicks, get a Comparative analysis of your 3rd pillar performed by our certified experts.
Unlike automated simulators, our human advisors study your real situation (age, professional status, and tax objectives) to offer you the best deals on the market.
Which service providers are you comparing?
We compare the best 3rd pillar A offers on the Swiss market from carefully selected banking and insurance partners — not complete catalogs filled with products we would never recommend.
We are comparing the offers of the market leaders: AXA, Swiss Life, Allianz, Helvetia, Zurich, Generali, as well as banking solutions from leading Cantonal Banks (BCV, BCGE, BCN), and major financial providers in Switzerland.
Our philosophy: quality over quantity. We work only with providers who meet our strict criteria for performance, reliability, and financial strength. You receive personalized recommendations for solutions that we genuinely endorse.
How much can I contribute to my 3rd pillar?
- Pillar 3a: Employees affiliated with a pension fund (2nd pillar) can contribute up to CHF 7,258 per year, while self-employed individuals without a 2nd pillar can contribute up to 20% of their net income, up to a maximum of CHF 36,288 annually.
- Pillar 3b: No deposit limit.
When can I withdraw my 3rd pillar (3a)?
- Purchase of your main residence (EPL).
- Launching a freelance business.
- Final departure from Switzerland.
- Buy-back in a pension fund (2nd pillar).
How to find the best third pillar offer for my situation?
Each third pillar offering has different characteristics in terms of return, fees, guarantees, and flexibility. We analyze your profile to recommend the solutions best suited to your needs and help you maximize your tax benefits.
Choosing between a Pillar 3a at a bank or an insurance company
There is a wide range of options within tied pension provision. We generally distinguish between two main categories: Pillar 3a with a bank and Pillar 3a with an insurance company.
| Criteria | 3A insurance | 3A bank |
|---|---|---|
| Payment frequency | Determined in advance | Flexible |
| Type of investment |
|
|
| Surplus earnings | Profit sharing | No profit sharing |
| Possible coverage |
|
No |
| Bankruptcy guarantee | Amount guaranteed to 100% | Guaranteed amount up to CHF 100,000 |
| Waiver of premiums in the event of disability | Possible | No |
| Investment horizon | Long-term only | Medium to short term |
| Share of guaranteed capital | Possible | No |
| Pledging | Possible | Possible |
| Key benefits |
|
|
Get your personalized quote
Fill in our 3rd pillar quotation request form and one of our pension experts will contact you shortly with a personalized, no-obligation analysis.
Everything you need to know about the 3rd pillar
Find out everything there is to know about private pension provision in Switzerland.
