Comparison of interest rates for Pillar 3a apps

Pillar 3a is an important pillar of retirement savings, allowing you to make tax-privileged provisions for the future. A modern and convenient solution is offered by Pillar 3a digital asset management services, or 3a apps, which feature fully digital account opening and management. The most important decision is the choice of provider.

In addition to the return on securities and the investment costs, the interest on the Pillar 3a cash component also plays a decisive role in the long-term return. Even small differences in interest rates can have a significant impact on your saved capital over time due to the compound interest effect.

The interest on Pillar 3a cash varies depending on the provider and is often reduced by additional management fees. You should therefore compare the interest rate after deduction of any management fees and check whether the provider even allows a cash quota.

For Pillar 3a, the management fee at True Wealth is 0.0%, i.e. the net interest rate corresponds to the 3a interest rate of 1.0% (as at November 2024).

What alternatives are there to the fixed-interest Pillar 3a account?

Due to the long investment horizon, the 3rd pillar is also particularly suitable for building up assets through securities or an individual mix of cash and securities.

A high proportion of equities offers the best potential returns in the long term, provided your personal risk tolerance allows for this. True Wealth's 3a solution has the advantage that the proportion of securities can be adjusted continuously between 0 and 100% and further individual adjustments can be made according to markets, sectors and regions of the world. Based on a short questionnaire, we will suggest a customized portfolio for you. The external product costs (TER) of ETFs and index funds exempt from withholding tax are also very low at an average of 0.13% p.a.

With a high proportion of cash, attention must be paid not only to the interest rate but also to the creditworthiness of the account-holding bank, as the assets in the Pillar 3a account are not protected by the esisuisse deposit protection scheme. The account-holding bank for True Wealth's 3a solution is Basellandschaftliche Kantonalbank, which, unlike the private banks' 3a accounts, has a state guarantee.

In independent comparisons, True Wealth's Pillar 3a solution regularly achieves top rankings. Would you like to find out more?

Click here to go to True Wealth's Pillar 3a solution.