What’s the latest I can pay into the 3a retirement savings account?

To be deducted in that tax year, payments via Digital Banking must be received in the retirement savings account no later than 31 December . You can make payments at the bank counter until 22 December. Tip:

How can I benefit from higher potential returns?

Invest your retirement savings in a pension fund. Your savings will be invested in equities, bonds and real estate. In this way, you secure higher potential returns in the long term. Pillar 3a custody account

Must I make regular payments into pillar 3a?

You are not contractually obligated to make an annual pillar 3a deposit. You can decide on how much you want to pay in, but you may not exceed the maximum specified in the current calendar year.

How much can I save on taxes with pillar 3a?

Paying into pillar 3a is worth your while. Save hundreds of francs in taxes, depending on your place of residence and how much you deposited. The more you pay in annually, the more you save on your taxes. You may deduct the annually deposited amount from your taxable income. The assets saved up in pillar 3a are exempt from income tax during the term. Interest and capital gains are exempt from income tax. When your retirement savings are paid out, they’re taxed separately from income, at a reduced rate. If you withdraw your 3a assets in stages, you can keep the tax rate even lower. Calculate tax savings

Maximum pillar 3a amount in 2025

Q: 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. 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 .

Q: Can I make retroactive payments into pillar 3a?

In 2026, it will be possible to make retroactive payments into pillar 3a for the first time. Find out here who this makes sense for and what strategies are available. Pay into pillar 3a retroactively

Q: What if the maximum amount is exceeded?

Contributions above the maximum amount are not tax-deductible. Make sure you adhere to the annual maximum amount.

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

Self-employed individuals who do not belong to a pension fund can contribute up to 20% of their earned income after deductions for social benefits.

Q: Can I open more than one pension account?

It makes sense to have multiple 3a accounts so you can withdraw your pension capital in stages and also save on taxes depending on your canton. A rule of thumb: if you have saved around CHF 50,000 in a 3a retirement account, it makes sense to open an additional account. Please note that any amounts you have already deposited cannot later be distributed among several retirement savings accounts. If you’re already our client, you don’t even need to visit a branch – you can open a retirement savings account yourself in E-Banking. Pillar 3a retirement savings account More about multiple retirement accounts

The private retirement savings in pillar 3 serve to top up your retirement assets and close a pension gap. Often, the income from pillars 1 and 2 is not sufficient to cover expenses during retirement.

What is the maximum amount for 2025?

The maximum contribution to pillar 3a is set annually in October by the Federal Social Insurance Office. The maximum amounts for 2025 are:

0 CHF
For insured persons / employees with a pension fund

0 CHF
or max. 20% of earned income for employed persons without a pension fund

UBS Fisca 3a Don’t forget to plan your pension now and save taxes!

Deposit online by 31 December 2025 to get the tax benefit for this year.

Maximum contribution in previous years

These contributions can be deducted in full from taxable income, thereby offering direct tax savings.

2024
With pension fund
CHF 7,056
For self-employed individuals
CHF 35,280
2023
With pension fund
CHF 7,056
For self-employed individuals
CHF 35,280
2022
With pension fund
CHF 6,883
For self-employed individuals
CHF 34,416
2021
With pension fund
CHF 6,883
For self-employed individuals
CHF 34,416
2020
With pension fund
CHF 6,826
For self-employed individuals
CHF 34,128
2019
With pension fund
CHF 6,826
For self-employed individuals
CHF 34,128

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Pillar 3a offers attractive tax benefits. To take full advantage of this, we recommend paying in the annual maximum amount and adhering to the deadlines.

A standing order helps you to save regularly and not miss any contributions.
Payments via Digital Banking must be received on the pension account by 31 December at the latest to be credited for the current tax year.
You can make payments at a bank counter until 19 December.
Payments exceeding the maximum amount are not tax-deductible.

You benefit when you pay into pillar 3a. Save hundreds of francs in taxes, depending on your place of residence and how much you contribute. The more you contribute annually, the more you save on your taxes.

Individual with CHF 80,000 annual salary:

Contribution: CHF 7,258
Tax savings: depending on the place of residence approx. CHF 1,000 – 2,000

You can deduct the amount contributed from your taxable income.
The assets saved in pillar 3a are exempt from income tax for the duration of the term.
Interest and capital gains are exempt from income tax.
When your retirement savings are paid out, they’re taxed separately as income, at a reduced rate.
If you withdraw your 3a assets in stages, you can keep the tax rate even lower.

Calculate tax savings

Self-employed individuals without a pension fund can contribute up to CHF 36,288 annually or 20% of their net income. This offers more tax saving potential than for employees.

Tip: Check your income situation annually to calculate the optimal amount.

Retirement planning for self-employed individuals

Invest your retirement savings in a UBS Vitainvest pension fund to secure higher earnings potential over time, especially with a long investment horizon.

Vitainvest sustainable funds

The Mobile App screen from Pension products.

UBS Key4 pension 3a Manage your pension digitally

Open a pillar 3a account in the app
Flexibly deposit how much you want to save
Invest your pension assets for higher potential returns

Start saving for retirement online

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?