Savings 3 account – for your financial independence in old age

The Savings 3 account under Pillar 3a is particularly interesting for saving taxes, acquiring residential property and providing security for your family.

Your advantages

preferential interest rate
tax advantages
flexible deposits

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New client

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Amounts Savings 3 for 2025:

With pension fund: maximum CHF 7,258
Without pension fund: maximum CHF 36,288 (maximum 20% of net income)

Further information

Downloads

Brochure Savings 3 (PDF/1.2MB) Saving for retirement (PDF/142KB) Factsheet Comparison of Pillar 3a solutions offered by banks and insurance companies (PDF/96KB) Factsheet Features of 3a and 3b private pension provision (PDF/103KB) Terms and conditions in the pension business (PDF/205KB) Privacy Policy Savings 3 – currently only available in German (PDF/95KB) Regulations of the «Savings 3 Pension Foundation» (PDF/120KB)

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We will be happy to assist you in selecting your accounts online, by phone or on-site at a branch.

Currency	CHF
Account statement	Annually With tax certificate With asset statement for investments in securities
Account balancing	Annually
Requirements	Minimum age 18 years Employment AHV and taxable
Deposits	For employed persons with a pension fund, the maximum annual contribution is: CHF 7,258 For employed persons without a pension fund, the maximum annual deposit is 20% of their AHV-liable earned income, but a maximum of CHF 36,288
Contributions after reaching AHV retirement age or deferred withdrawal	Employees who continue to earn income subject to AHV may pay amounts into a Savings 3 account for up to five years beyond the AHV retirement age and continue to deduct these amounts from their taxable income or defer their withdrawal. This means that the capital of the Savings 3 account no longer needs to be withdrawn when the regular AHV retirement age is reached.
Withdrawals	According to the regulations of the Savings 3 Pension Foundation of Zuger Kantonalbank available at www.zugerkb.ch/sparen3

Interest rate now	0.2%
Account opening	Free of charge
Account maintenance fees	Free of charge
Account statement	Free of charge
Account balancing	Free of charge
Postage	Free of charge
Account closure	Free of charge CHF 50, if the account has been active for less than 6 months