Open a 3rd pillar account the easy way

Simple options tailored to your needs

At Pilla, we help you choose the best way to save for your retirement. Whether you prefer a risk-free investment with 100% secure savings, or a higher-yield (but riskier) investment to maximise your capital, we have the solution for you.

Your Pillar 3A 100% savings

Opt for security with an account where your capital is guaranteed and works at a fixed rate among the best on the market: 0.65%. Ideal for cautious investors who prefer stability and peace of mind.

Your Pillar 3A investments

With this solution, your money is invested in investment funds. 

The aim is to take advantage of market opportunities and achieve higher returns over the medium to long term.

We have designed 5 investment profiles, each with its own risk level and strategy.

These diverse solutions, from cautious portfolios to more dynamic allocations, help you confidently plan for retirement while securing your financial future.

With Pilla, you can find the perfect balance between security and performance, so you can grow your 3A savings with confidence.

A rate among the best on the market.
If you choose to keep your capital in a savings account, without investing it in a Pilla Selection Index ESG investment strategy, you pay no fees and enjoy a competitive return on the uninvested part: 0.65% on your Pillar 3A account.

When making a decision about your future, it's important to compare different offers and conditions. Interest rates can make a real difference. Here's an interest rate comparison.

Pillar 3A solution	3A interest rates
Pilla	0.65 %
ZAK (CLER Bank)	0.40 %
TrueWealth	0.35 %
VIAC (WIR Bank)	0.20 %
Raiffeisen	0.20 %
Migros Bank	0.20 %
Frankly (ZKB)	0.15 %
Swissquote	0.10 %
Postfinance	0.05 %
finpension	0.00 %

_{*Rates as of 04.05.2026, based on information published on the official websites of the providers. The rates shown correspond to the gross annual interest rates in force on this date for Pillar 3a solutions in the form of savings deposits and are subject to change at any time by the providers concerned. This information is provided for information purposes only and does not constitute investment advice.}

Simple, competitive fees.
If you choose to invest your capital in one of Pilla Selection Index ESG's turnkey investment strategies, you pay only 0.50%/year in flat-rate management fees on the capital invested in your Pillar 3A. Added to these fees are the TERs (or Total Expense Ratio) linked to the investment strategies, which vary between 0.19% and 0.23%, generating total fees of between 0.69% and 0.73%.

You can start saving from as little as CHF 1.00
Whether you're new to pensions or transferring from your current account, everything is designed to be accessible, simple and straightforward.

Thanks to our 3A calculator, you can estimate your future capital based on your age, your initial deposit and your annual payments. So you can set yourself concrete goals and plan your future with peace of mind.