Start planning your retirement today and save on taxes

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Date30 Dec 2026, 18:30 CET

Deposits must be received on the pillar 3a retirement account by 31 December 2026. We advise you to make deposits from other banks by 20 December 2026.

A woman is happy about the taxes she’s saved thanks to her pillar 3a payments.

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 2026 is CHF 7,258 (for insured persons with a pension fund).

Smartphone with initial screen for opening a 3a pension solution.

UBS key4 pension

Save with UBS key4 pension 3a

Open your pension account in the Mobile Banking App
Save on taxes and decide for yourself how much you pay in
Invest your pension savings for potentially higher returns

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Sustainable investment in retirement savings

UBS Vitainvest Investment Funds allow you not only to boost your private retirement savings, but also to do something positive for the environment and society at the same time.

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How can 3a payments and 3a standing orders be entered?

From UBS

You can enter payments in Digital Banking under the “Payments” tab. All available UBS Fisca 3a accounts appear for selection within the same client relationship. If you want to make a payment to another UBS Fisca 3a account, you can simply add it when selecting the beneficiary.

Deposit now in E-Banking

From third-party providers

Payment orders from third-party providers can be paid directly into the collective account of the Fisca Pension Fund Foundation:

Credit account (IBAN): CH20 0023 0230 2480 3096 F
Recipient: Fisca Vorsorgestiftung der UBS AG, 8098 Zurich
Payment note: UBS Fisca 3a number / first name and last name of the UBS Fisca 3a account holder (e.g. F3xxxxxxxx / Max Muster)

Attention: Please note the differing payment instructions for retroactive 3a payments.

Can I make retroactive payments into pillar 3a?

Can I open more than one pension account?

To withdraw your retirement assets in stages later and save taxes, multiple 3a accounts are useful.

A rule of thumb: from CHF 50,000 savings in one account, another account is worthwhile. Amounts already contributed cannot be subsequently distributed to multiple pension accounts.

Existing clients can easily open another account in E-Banking.

What if the maximum amount is exceeded?

How is the maximum amount calculated for persons without a pension fund?

Start planning your retirement today and save on taxes

UBS key4 pension

Save with UBS key4 pension 3a

Sustainable investment in retirement savings

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