Pillar 3a Pension Savings for Expats
Reviewed by Swiss Financial Planning Team · January 20, 2026
This guide is for general information only and does not constitute professional legal, tax, or financial advice.
Pillar 3a is Switzerland's private pension savings scheme. Contributions are fully tax-deductible — it's one of the best tax optimisation tools available to employees and the self-employed.
How much can I contribute?
In 2024, employees can contribute up to CHF 7,258/year. Self-employed people without a Pillar 2 pension can contribute up to 20% of income, maximum CHF 36,288.
Finpension and VIAC
Finpension and VIAC are investment-focused 3a providers that invest your savings in globally diversified ETFs, outperforming traditional bank 3a accounts over time. Fees are lower than most banks.
When can I access the money?
Pillar 3a funds are locked until 5 years before retirement, or earlier if you: buy a primary residence in Switzerland, leave Switzerland permanently, or become self-employed.