Vested benefits at a glance
- 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 Caisse d’Épargne d’Aubonne, both offering 0.5%, making them the highest-paying traditional vested benefits savings accounts on the market.
Close behind, Freizügigkeitskonto.ch offers 0.41%, followed by the two Clientis banks (Toggenburg and Oberuzwil) at 0.375%.
Beyond the interest rate, it’s essential to consider other factors, such as administrative flexibility and especially early withdrawal fees, which can reach up to CHF 500 depending on the bank. These fees are often overlooked but can significantly reduce the effective return in the case of a short-term withdrawal.
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
|
Liabilities
0.25 %
Assets
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
|
Liabilities
0.25 to 0.27 %
Assets
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.
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.
