Fees and conditions

  • Overview of terms
    3a retirement account The current interest rate can be found in the overview of account interest rates.
    Vested benefits 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*

     

    *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. On closing an account, the current month will still be invoiced – the fee will be calculated on the basis of the assets held in custody on the day of sale.

  • Overview of processing fees

    Fees in the event of closure or partial withdrawal from retirement savings accounts (pillar 3a and vested benefits):

     

    Withdrawal for residential property for own use for clients resident in Switzerland

    CHF 300*
    Withdrawal for residential property for own use for clients resident abroad

    CHF 600*
    Withdrawal if emigrating from Switzerland and/or to settle withholding tax

    CHF 300
    Withdrawal from vested benefits account if emigrating from Switzerland and/or to settle withholding tax within six months of opening account

    CHF 600

     

    *Waived if the mortgage is taken out with CIC (Switzerland).