Vested benefits at a glance
- In 2026, the best vested benefits accounts are Hypo Vorarlberg and Caisse d'Epargne d'Aubonne (0.50%).
- For investment funds, Tellco and Viac offer the most competitive fees.
- Vested benefit solutions can take the form of a interest-bearing account, policy or investment fund.
- The vested benefit capital remains locked in until retirement or the start of a new job (subject to certain conditions).
- It is possible to take on a solution invested in funds for greater potential returns, but accepting a share of the risk.
- There is no minimum rate for vested benefit accounts, each provider is free to apply the rate of its choice.
Comparative interest rates on vested benefit accounts
The vested benefits account is an occupational pension solution designed to preserve assets from the second pillar during a temporary interruption of salaried employment, whether due to unemployment, moving abroad, further education, a period without an employer, or a transition to self-employment. The funds are held in a blocked savings account, earning interest at a rate set by the institution.
This type of account is not intended to maximize returns, but rather to preserve the capital accumulated in the occupational pension system within a secure and regulated framework, particularly when a short-term withdrawal is anticipated. Under certain conditions, it also allows for an early withdrawal, notably for the purchase of a primary residence, the financing of a self-employed activity, or permanent departure from Switzerland.
The conditions vary significantly from one institution to another, particularly with regard to the interest rate, management fees, and the quality of online services. The table below compares the offers available for 2026.
Compare interest rates on vested benefit accounts
Find the best deal for your occupational benefits in Switzerland
| Service provider | Rates | Final capital |
|---|
Which is the best vested benefits account?
The best vested benefits accounts in 2026 are Hypo Vorarlberg Bank and the Aubonne Savings Bank, both in 0.5 %, This makes them the highest-yielding vested benefits accounts on the market for traditional savings accounts.
Just behind, Freizügigkeitskonto.ch offers 0.41 %, followed by the two Clientis banks (Toggenburg and Oberuzwil) at 0.375 %.
In addition to the interest rate, it's essential to consider other factors, such as the administrative flexibilityand above all early withdrawal feeswhich can be as high as 500 CHF depending on the bank. These fees are often overlooked, but can reduce the effective return on short-term withdrawals.
Optimize your vested benefits
Comparison of vested benefits solutions
| Service provider | TER | Fees | Placement | Key points |
|---|---|---|---|---|
|
Tellco
Vested benefits deposit
|
0.05 to 1.31 %
|
0.00 to 0.35 %
|
|
|
|
Liberty
Vested benefits deposit
|
from 0.40 %
|
Compare Universe
0.45 %/year
Open Universe
0.60 %/year
|
|
|
|
Swisscanto
Vested benefits deposit
|
0.40 to 0.90 %
|
Unknown |
|
|
|
Opsion
Vested benefits deposit
|
0.24 to 0.35 %
|
0.58 %/year
|
|
|
|
UBS
Vested benefits deposit
|
Passive
0.25 %
Active
1.35 to 1.71 %
|
No |
|
|
|
PostFinance
Vested benefits deposit
|
1.12 to 1.30 %
|
No |
|
|
|
VIAC
Vested benefits deposit
|
0.00 to 0.09 %
|
0.52 %/year
|
|
|
|
Zurich
Vested benefits deposit
|
Target Funds
0.21 to 1.32 %
Mix / Profiles
0.40 to 0.67 %
|
No |
|
|
|
Descartes
Vested benefits deposit
|
Passive
0.25 to 0.27 %
Active
0.44 to 0.53 %
|
0.40 %/year
|
|
|
|
BCGE
Vested benefits deposit
|
0.86 to 2.14 %
|
No |
|
|
What is the best vested benefits deposit?
The choice depends above all on your profile and the amount of money you have available.
For the lowest fees combined with the broadest investment universe, Tellco stands out with TERs starting at 0.05%, platform fees ranging from 0% to 0.35% depending on the strategy, and more than 60 funds and ETFs available — not to mention the included complimentary death and disability coverage.
If you are not an experienced investor, Opsion is an ideal choice: its predefined strategies (ranging from 15% to 75% equities) allow you to simply select your risk level without having to choose the funds yourself. Its TERs are among the lowest on the market, but a minimum of CHF 30,000 is required.
UBS and PostFinance allow funds to be transferred into a private custody account at retirement without forced liquidation. Swisscanto, with its Life Cycle option, is well suited for investors seeking a strategy that automatically reduces risk as retirement approaches.
Frequently asked questions
A vested benefits account is an occupational pension account (2nd pillar) intended for preserve your capital when you change jobs, If you are unemployed or temporarily leaving your pension fund. It protects your assets while remaining accessible in certain exceptional situations.
Swiss law permits the holding of a maximum of 2 vested benefits accounts with two different foundations. This allows you to spread risk and optimize taxation at retirement.
To choose the right account for your situation, look at :
- The interest rate: the higher the rate, the better your capital grows.
- Fees: management fees, closing fees, early withdrawal fees (EPL).
- Flexibility: easy to open and transfer to a new pension fund.
- Investment solutions: some accounts offer the option of investing capital in funds with a higher potential return.
You can withdraw your vested benefits before retirement only in certain cases:
- Start of self-employed activity.
- Purchase of a principal residence.
- Permanent departure from Switzerland (excluding EU/EFTA).
- Death or disability.
- Amount less than the employee's annual contribution.
Interest and gains accrued on a vested benefits account are tax-exempt as long as the funds remain in the account. The capital is taxed separately at time of withdrawal, at a reduced rate .
Vested benefits account secure capital, fixed rate, ideal for short-term holdings or low risk tolerance.
Vested benefits in funds or ETFs Higher return potential, but risk of loss in the event of a market downturn. Suitable for longer investment horizons.
Yes, it is possible to have an account for security (guaranteed rate) and a deposit in funds for growth, as long as you respect the limit of two accounts per provider.
Methodology
This comparison is based exclusively on public and verifiable data: management fees, interest rates, historical returns, and contractual conditions published by the institutions concerned, as well as information available on the Swiss Fund Data website. The information is updated regularly to reflect the latest available data.
Some institutions may pay a distribution fee when subscribing via Invexa. These fees in no way influence the selection or presentation of products: only contracts offering transparent conditions and solid performance are included in this comparison. Solutions with excessive fees or inadequate performance are not included in the comparison.
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