Your future starts here

To qualify, you must be resident in Switzerland, have a declared AVS/AHV income and be subject to tax in Switzerland. You can start this process at the age of 18 and continue it until you retire, up to a maximum of five years after reaching normal retirement age, but no earlier than five years before reaching AVS retirement age.

Once you've opened your your 3a Easy account, head to the 3a Easy platform and take these steps:

1. Click on "Add Money" and choose "Transfer from an existing 3a account"
2. Download the prefilled transfer form
3. Sign the form and send it to your current Pillar 3a institution

You will receive a tax certificate that you simply need to enclose with your withholding tax return. Your 3a is taxed at a reduced rate when it is paid out at retirement age.

To close your 3a account and withdraw the funds:

1. Log in to the web platform and go to: ‘My account’ (profile icon) > ‘Profile & Settings’ > ‘Security Center’.
2. Click ‘Request account closure’ and then ‘Proceed with closure’.
3. Select your 3a Easy account, complete the form, and submit it.

As 3a Easy accounts are regulated Swiss pension accounts, an early withdrawal requires official justification and supporting documents. After your online request, we will contact you to provide the necessary paperwork. If you are withdrawing funds for home ownership reasons, you will be asked to fill out this form: Home ownership assistance with the retirement savings 3a. For all other reasons, use the Application for payout from retirement savings 3a form.

To speed up the process, we recommend you prepare the required supporting documents in advance. The application form will specify exactly what is needed for your reason for withdrawal.

The application form must be printed, signed by hand and sent via postal mail to:

Swissquote Bank SA
Chemin de la Crétaux 33
P.O. Box 1032
1196 Gland, Switzerland

Once we have received and successfully verified all your documents, we will transfer the funds to your designated account and complete the closure of your 3a Easy account.

Up to five years before or after reaching retirement age or under special conditions: purchase of property, self-employment, making up pension shortfalls, disability, leaving Switzerland, death.