UBS key4 pension 3a

Open a pension account online

  • Pay in flexibly, save on taxes and invest your retirement savings

Provide for your future

Open your retirement savings account directly in the Mobile Banking App.

Save on taxes by deducting your deposits from your taxable income.

Decide for yourself when, how much and for how long you want to pay in – the easiest way is by standing order.

Optional: Invest your retirement savings and benefit from potentially higher returns.

Save on taxes with pillar 3a

The more you pay in annually, the greater your tax savings.

  • You can pay a set amount into your pillar 3 account each year.
  • By deducting your deposits from your taxable income, you save on taxes.
  • The maximum amount in 2023 is CHF 7056 (for insured persons with a pension fund).

So you can sit back and relax later in life

Manage everything digitally

  • As a UBS client, you can open your pillar 3a account directly in the Mobile Banking App in just a few minutes.
  • Decide for yourself when and how much you want to pay in.
  • Set up a standing order to make automatic deposits.
  • Your pension plan is fully integrated into the Mobile Banking App.

Invest for higher returns

  • An optional custody account is the ideal complement to a retirement savings account.
  • Your retirement savings are invested through Vitainvest Investment Funds in stocks, bonds and real estate.
  • We recommend suitable investment solutions, or you choose for yourself.
  • You’ll not only save on taxes, but also benefit from potentially higher returns.

What’s more: You can adjust your investment solution at any time.

Get started with three simple steps

Open account

Open a pillar 3a account directly in the Mobile Banking App.

Select a pension solution

Choose whether you want to invest your retirement assets. We can recommend various investment solutions to you, or you can choose for yourself.

Set up a standing order

Set up a standing order with the desired savings amount. It’s a convenient way to save and the standing order can be stopped or paused as necessary.

Start planning your retirement today

Already a UBS client?

It’s easy:

  1. Open your Mobile Banking App
  2. Tap “More” in the navigation bar
  3. Select “Products” in the “Products & services” menu
  4. Tap the “Retirement” tile

Are you new to UBS?

First open UBS key4 banking via the Mobile Banking App and then choose your retirement solution – just download the App and get started.

  1. Scan the QR code to download the Mobile Banking App
  2. Confirm your identity over a video call (with your ID or passport)
  3. Sign the contracts directly in the App
  4. Set up your login via the Access App
  5. Select “Retirement” under “Products” and get started

You can also start your retirement plan directly in E-Banking


Do you still have questions?