Open a Vested benefits Account and turn your plans into reality

Simple, flexible options to help your savings grow

At Pilla, we protect your 2nd pillar savings and deliver customised solutions to match your profile. You have the choice of placing your assets in secure savings or investing them for a better return over the long term. Select the option that best fits your needs.

The 100% secure option

Opt for security with an account where your capital is guaranteed and works at a fixed rate among the best on the market: 0.30%. Ideal for cautious investors who prefer stability and peace of mind.

Your Vested Benefits invested

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 achieve your financial ambitions with confidence. 

Pilla gives you the freedom to manage your 2nd pillar capital efficiently according to your goals.

One of the best rates 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: 0.30% on your vested benefits 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.

Vested benefits solution	Interest rates
Pilla	0.30 %
WIR Bank	0.15 %
CIC	0.15 %
Raiffeisen	0.05 %
VIAC	0.05 %
Migros Bank	0.05 %
Cler Bank	0.05 %
UBS	0.01%
Valiant	0.01 %
Frankly	0.01%

_{*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 that date for vested benefits 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, with Pilla, you pay only 0.50%/year in flat-rate management fees on the capital invested in your vested benefits. Added to these fees are TERs (or Total Expense Ratios) linked to investment strategies, which vary between 0.19% and 0.23%, generating total fees of between 0.69% and 0.73%.

With Pilla, retirement provision is within everyone's reach.
You can start investing as early as CHF 1.
Whether you're new to the world of the 3rd pillar or you'd like to transfer your existing account, everything is designed to be simple, clear... and above all accessible.

Our vested benefits calculator helps you simulate different return scenarios, so you can better assess the future, set concrete goals and make informed decisions.