Maximum contribution to pillar 3a for 2025

To be deducted in that tax year, payments via Digital Banking must be received in the retirement savings account no later than 31 December. You can make payments at the bank counter until 22 December.

Tip: If you deposit the maximum amount at the beginning of the year, you’ll benefit from the preferential interest rate throughout the year.

It makes sense to have multiple 3a accounts so you can withdraw your pension capital in stages and also save on taxes depending on your canton.

A rule of thumb: if you have saved around CHF 50,000 in a 3a retirement account, it makes sense to open an additional account. Please note that any amounts you have already deposited cannot later be distributed among several retirement savings accounts.

If you’re already our client, you don’t even need to visit a branch – you can open a retirement savings account yourself in E-Banking.

Invest your retirement savings in a pension fund. Your savings will be invested in equities, bonds and real estate. In this way, you secure higher potential returns in the long term.

You are not contractually obligated to make an annual pillar 3a deposit. You can decide on how much you want to pay in, but you may not exceed the maximum specified in the current calendar year.

The maximum contribution to pillar 3a is set annually in October by the Federal Social Insurance Office.

Self-employed workers who do not belong to a pension fund can use up to 20 percent of their earned income as deductions for social security benefits.