Pillar 3a is a part of private retirement savings in Switzerland and complements the state pension (1st pillar) and occupational pension (2nd pillar). It allows individuals to voluntarily save and/or invest for retirement with tax benefits. Contributions to pillar 3a can be deducted from the annual taxable net income.

Wealth held in Pillar 3a is not taxable during its holding period. Deduct the yearly contributions to Pillar 3a from your taxable income. To do this, enter your annual payment amount in your tax return and enclose the tax certificate provided in the radicant app (Profile & Settings, Documents, Tax statements). The tax savings can vary depending on the canton, income and civil status due to tax progression .

Depending on the canton, income and civil status, the maximum amount of Pillar 3a can save around CHF 1,500 to CHF 2,500 in taxes.

For example: With an annual income of CHF 85,000, you can save up to CHF 2,500 per year in taxes.

To open a pillar 3a account, you must download the radicant app, open an account,   verify your identity, and activate your account. Then you can easily open a pillar 3a cash or investment account in the app under Pensions.

For your pillar 3a investment account, we create a personalised investment strategy based on your individual risk profile. This way, you get the optimal mix of low-risk and higher-risk investments, all broadly diversified and fully digital in the radicant app.

The maximum amount for Pillar 3a in 2024 is:

• For employees with a pension fund (2nd pillar): CHF 7,056
• For self-employed persons without a pension fund (2nd pillar): 20% of annual net earned income, up to a maximum of CHF 35,280

There is no minimum amount required to open a 3a account or to transfer an existing 3a account to radicant. However, to open a 3a investing account, you need to have at least CHF 1,000.

To transfer money from your radicant everyday account to your pillar 3a cash or investment account, go to “Pension” in the app, select the account, and then “Fund”.

To transfer money from a different bank account to your pillar 3a, simply copy the 3a IBAN from the app and paste it into the remittance order of the other bank. To do so, go to Pensions in the app, then the account, Settings, and copy the IBAN.

You can open up to five 3a accounts. Each time, you can choose whether to open a 3a cash or a 3a investment account. Once opened, you can also convert the 3a cash account into a 3a investment account and vice versa.

Pillar 3a is a pension account. Funds can only be withdrawn under certain conditions. All payout options can be found in the app. Simply go to your 3a account, then Settings, and Payout.
Ordinary payout:

• When you reach the AHV retirement age (at the earliest five years before or at the latest five years after the regular AHV retirement age)

Early payout:

• Financing of owner-occupied residential property
• Change to self-employment
• Purchase into a pension fund
• Receiving a full invalidity pension
• Emigrating from Switzerland
• Due to divorce or change in civil status

With radicant’s focus on the UN’s Sustainable Development Goals (SDGs), your 3a cash deposits not only return interest to you, but also support environmental projects around the world.

radicant aligns a share of your deposits with financing climate and environmental projects via labelled bonds. This generates interest and impact.

With our 3a investment account, you invest in companies that contribute positively to sustainable development in line with UN’s  Sustainable Development Goals.

You find the tax certificate in the app under Profile & Settings > Documents > Tax Certificates.

Yes, you can invest your 3a contribution in our actively managed investment products. We create a personalised investment strategy tailored to your individual risk profile, selecting the optimal mix of low-risk and higher-risk investments for broad diversification. From our five investment strategies, the equity component is allocated based on your risk profile and preferences. The higher the equity component, the more risky but also potentially more lucrative the performance.

Find out more in our detailed product information sheet.

In the app go to Pension > Add funds > Transfer 3a account, fill out the form and send it to your current pension provider. We'll take care of the rest.

For a 3a cash account, you pay no account or deposit fees. Ordinary payouts at retirement are free of charge as well.

With a 3a investment account, an annual fee of 0.45% of your invested amount applies, along with annual product costs ranging from 0.40 - 0.47%.

One-time fees may apply for:

• Pledging (per case)
• Advance withdrawal for home ownership (per case)
• Payment abroad or early withdrawal due to self-employment
• Transfer to another Pillar 3a fund within one year of opening the account
• Extraordinary administrative expenses: According to cost

All fees are charged to your pension assets. For more details, see the cost regulations for the 3a Digital Pension Foundation with asset management by radicant bank ag. See more

Your 3a account assets are held by the “Pension Foundation 3a Digital” in your name at radicant bank ag. In addition radicant bank ag is appointed as the asset manager of your assets.

radicant collaborates with the Pension Foundation 3a Digital (Vorsorgestiftung 3a Digital). The Pension Foundation 3a Digital is based in Liestal in the canton of Basel-Landschaft and the responsible supervisory authority is the BSABB (BVG and foundation supervision of the cantons Basel Stadt and Landschaft ).

Further information about the foundation can be found in the commercial register of the canton of Basel-Landschaft: Commercial Register – Pension Foundation 3a Digital

Your 3a deposits are preferential and protected up to a maximum of CHF 100'000 per client and 3a provider (collocation in the second creditor class). The preferential treatment of the 3a deposits applies additionally and independently of the client's other deposits (e.g. everyday account).

radicant bank ag has a Swiss banking license and is supervised by the Swiss Financial Markets Supervisory Authority (FINMA).

If you have further questions about pillar 3a or our offer, you can contact us. You find the contact information below.

You can find them here

You can convert your 3a cash account into a 3a investment account at any time and vice versa.

When you retire, your 3a account must be closed, and all funds paid out. This means the securities in your 3a investment account need to be sold. However, you can always reinvest your 3a balance into radicant’s investment management mandate.

We’re working on allowing you to convert your 3a investment account directly into an investment mandate in the future, so you won’t need to sell your investments.

Yes, your existing radicant risk profile is used for your 3a investment account opening. This profile applies to you personally and covers all your investment accounts. However, when selecting your investment strategy, you can deviate from your risk profile   and take on more or less risk than we suggest.