3a retirement savings

Take advantage of tax benefits and attractive long-term interest rates on your pillar 3a with our classic retirement accounts. If you invest some or all of your retirement savings in a 3a retirement fund, this opens up possibilities for additional returns.

What makes our offering special?

For over ten years, the Bank CIC preferential rate has been one of the best interest rates in Switzerland. The Bank CIC retirement funds universe consists of funds from various providers chosen by the bank to reflect a range of quality criteria. We pay special attention to value for money, sustainability and the diversity of the offering, in an attempt to offer clients the best possible selection.


Ongoing monitoring ensures the offering meets the criteria that have been set. You can invest your money with various focuses: equity weighting, the strategy focus or a thematic approach.

Your benefits at a glance

  • Just save, or invest at the same time – the choice is yours
  • Quick and easy overview of assets 24/7 thanks to CIC eLounge
  • No charge to open multiple 3a retirement accounts, and no account management fees
  • Buy and sell retirement funds in eLounge at any time free of charge
  • A range of over 30 attractive retirement funds from various providers
  • A reliable partner with one of the best account interest rates in Switzerland
  • Contributions are tax-deductible

A brief explanation of retirement savings


3a retirement provision from Bank CIC is a way of saving for your retirement while also enjoying tax benefits, because savings contributions under pillar 3a can be deducted from your taxable income. You yourself decide how much you would like to save per year up to the statutory maximum amount. Normally payout is on retirement, but there are other exceptional reasons for which you can withdraw your pillar 3a savings.


Overview of terms

  • 3a retirement account: The current interest rate can be found in the overview of account interest rates.
  • Retirement funds: all-in fee of 0.5% p.a. of portfolio value* (initial investment in retirement funds: the first 3 months free of charge).

*Minimum CHF 50 p.a., debited annually on 31.12. or when the retirement account is closed. Calculations are based on the fund value on the 25th of each month. Clients domiciled in Switzerland or the Principality of Liechtenstein also have to pay value added tax.

Maximum deposit for 2024 for pillar 3a

  • CHF 7,056 for employed persons with a pension fund
  • 20% of net income, up to CHF 35,280 for employed persons without a pension fund

Just save, or invest at the same time – the choice is yours

3a retirement savings is a way of matching your retirement solution perfectly to your personal needs. Alongside the 3a retirement account with a fixed interest rate, investing your existing and future savings in retirement funds is simple and flexible. 

Whether it's an account, a retirement fund or a combination of both – everything is possible with 3a retirement savings. Which solution best fits your needs depends largely on how long your savings can remain invested. 

  • A 3a retirement account is suitable if you are planning to withdraw the balance in the next four years. 
  • For longer-term savings goals, putting your savings in a retirement fund is an attractive alternative. When you are investing, the longer you can leave your money invested, the higher your prospects of return. 

3a retirement funds

Our 3a retirement funds invest in equities, bonds, real estate and other asset classes and let you save flexibly for your pension. Our wide offering lets you choose between over 30 different retirement funds from varying providers. Investing some or all of your savings in a retirement fund multiplies your return opportunities.


It is easy to find the right retirement fund for you: our digital retirement assistant cic.ch/vorsorgesparen will help you to do so. By answering a few simple questions, the assistant will navigate you to your objective and help you find which retirement fund best suits your personal needs. Of course, we would be happy to talk to you in person at any time. 

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Comparison between the return opportunities with a retirement fund and those with a 3a retirement account

Retirement funds by provider

Here you will find a complete selection of retirement funds sorted by provider.

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Bâloise Investment Foundation
Credit Suisse Investment Foundation
J. Safra Sarasin Investment Foundation
Swiss Life Investment Foundation
Swisscanto Investment Foundation / Swisscanto Invest
UBS Investment Foundation / UBS Vitainvest Funds

Open a 3a retirement solution now

Would you like to open an account and make fund purchases directly in CIC eLounge as soon as your retirement savings have been paid in? Just open your 3a retirement solution online with CIC ON and pay in now. As soon as you open your account, one of the most state-of-the-art e-banking solutions in Switzerland is available to you. 


You can also simply transfer your existing 3a retirement savings to Bank CIC using the transfer form. For regular annual contributions we recommend you set up a standing order. Once your money has been paid in it will be invested in line with your purchase order to meet your needs. You can also open additional retirement accounts directly in CIC eLounge, allowing you to benefit from further tax advantages by withdrawing your retirement savings in stages as you grow older.


Do you have any questions? Contact our advisory team for an initial non-binding consultation.

Preconditions for opening an account online:
  • An account can currently be opened online by individuals who are adult, resident in Switzerland and have Swiss nationality or one of the nationalities on our list.*

  • Your identity will be verified during the online account-opening process on the basis of a valid identity document (passport or identity card). It is easiest if you use your mobile device for this.

  • Once your first account has been successfully activated, you will be able to open other 3a retirement accounts and 3a retirement funds easily in CIC eLounge.

  • If you do not meet the conditions for opening a 3a retirement account online, please use the account opening form.

* If you would like to open a client relationship but your nationality is not on our list, please present yourself in person with your passport at one of our branches in Switzerland so that we can perform the necessary identification checks. You are also welcome to call our Private Clients team on 058 268 16 00 or request an advisory meeting.


If you have any questions when opening an account, please write us or call us on 058 268 16 00 (Monday to Friday, 8 a.m. to 5.30 p.m.).

CIC eLounge

CIC eLounge is the modern e-banking from Bank CIC. It gives you a quick and easy overview of your assets. You can also buy and sell retirement funds free of charge at any time. For maximum flexibility, CIC eLounge is available 24/7 as an app and a desktop version.