In partnership with PRIVOR, we offer subscription to the 3rd Pillar custody account PRIVOR to anyone wishing to make deposits within the framework of Art. 82 of the Federal Law on Occupational Retirement, Survivors' and Disability Pension Plans (BVG) and the Ordinance issued for this purpose (BVV3).
The 3rd Pillar custody account PRIVOR enables you to invest your pension contributions in a selection of funds with different portfolio weightings – including those with ESG characteristics.
This solution allows you to benefit from the long-term return opportunities provided by the financial markets, even for your pension saving.
Maximum tax-deductible amounts (2024):
Maximum tax-deductible amounts (2025):
Advantages:
On 1 January 2024 came the OASI 21 reform into force, for all the details please see the dedicated page.
| Used for | 3rd Pillar custody account with investment in funds |
| Availability of funds | • In accordance with legal provisions • 31 days advance notice |
| Account closing settlement | Annual, with a tax statement showing contributions paid |
| Account statements | Annual |
| Withholding tax | None |
| Account interest rate | 1.00% p.a. |
| Account maintenance fees | None |
| Postal charges | None |
| Securities trading fees | None |
| Custody fees | 0.60%, min. CHF 60.-- p.a. |
You can contact our call centre between 8 a.m. and 5.30 p.m. Monday to Friday on 00800 800 767 76 (calls from Switzerland are free).
Alternatively, you can use our contact request forms.
