Pillar 3a at a glance

  • Save on taxes

    Deduct contributions from your taxable income and save on taxes.

  • Potential returns

    Benefit from potential returns from Vitainvest investment funds while your 3a account offers stable interest rates.

  • Early withdrawal

    You can make an early withdrawal, for example to purchase residential property or if you become self-employed or emigrate.

Pillar 3a in a nutshell

  • Pillar 3a, known as restricted private pension provision, is an important part of the Swiss pension system.
  • It supplements the OASI (pillar 1) and BVG (pillar 2) and is intended for working individuals who want to voluntarily save for retirement and wish to take advantage of tax benefits.
  • The aim of pillar 3a is to close individual pension gaps in old age. At the same time, it offers attractive opportunities for tax optimization.

Our Fisca 3a retirement account

The UBS Fisca 3a retirement account is intended for all employed persons subject to OASI/IV contributions. You save flexibly for retirement with free account management and an annual account statement. You can deposit as much as you like up to the legal maximum amount.

With the UBS Fisca 3a retirement account, you can invest sustainably and benefit from higher potential returns. The investments remain tax-free during the savings phase and can be transferred to your free assets upon retirement, except for certain passive funds.

Download the UBS Fisca 3a factsheetpdf, 135 KB

How much can you save on taxes?

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 2025 is CHF 7,258 (for insured persons with a pension fund).

When is the right time to save for your retirement? Right now!

  1. 01

    Define your risk profile

    Answer just a few questions to find out which 3a pension solution suits you best.

  2. 02

    Discover our recommendations

    We propose different pension solutions, and you choose the one that suits you and the way you live your life.

  3. 03

    Open your 3a pension solution

    Open the 3a pension solution directly in the Mobile Banking App and choose how much and how often you would like to deposit for your future.

Are you already a client of UBS?

Pillar 3a: tailored to your stage in life

Pension process

Young professionals

I want to start saving for retirement immediately to take advantage of the benefits and realize my dreams.

If I pay CHF 120 per month into pillar 3a, I will have saved around CHF 233,060 after 40 years.

Career and family

My goals are to secure my finances and those of my family, identify and close possible gaps and save for retirement efficiently.

I pay into my pillar 3a every year, have invested my savings wisely and am saving up to CHF 2,000 in taxes (depending on income and place of residence).

Plan your retirement

I want to prepare myself as well as possible for my upcoming retirement so that I can enjoy it worry-free.

I have several 3a retirement savings plans and would like to plan the withdrawals efficiently.

Get to know pillar 3a

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