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3rd pillar Corneeer3
The best interest rate in Switzerland!
Number 1 interest rate in Switzerland according to Moneyland.ch and Bonus.ch.
Open your 3rd pillar directly using the iCorneeer App.
Interest rate
1.10%
N.1 in Switzerland
Why Corneeer3?
Interest rate
1.10%
Deposit
flexibility
Tax
savings
Free account
management
Enjoy a carefree pension
Set aside cash deposits now for your pension or as a basis for bigger investments with the third pillar Cornèr3 -
and benefit from the advantageous interest rate of 1.10%*.
*The interest rate is not fixed but varies depending on market developments.
Savings with Cornèr3
9’000 CHF
Traditional savings
3’000 CHF
today
in 46 years
*The interest rate is not fixed but varies depending on market developments.
Choose a solid Swiss bank for your pillar 3a
For over 70 years, Cornèr Bank has been a trusted name in Swiss and international private banking.
Opening the third pillar Cornèr3 with Cornèrcard, a brand of Cornèr Bank, ensures the security of your retirement savings, safeguarding them from financial risks and instability.
Top 1000 world banks 2024
For years, Cornèr Bank has been ranking at the top in Switzerland for capital adequacy.
The advantages of Corneeer3
Interest rate
1.10%
Benefit from the most favourable interest rate offered on the Swiss market
and make private provisions – today – to ensure a carefree pension for yourself.
Deposit
flexibility
You decide when and how much you pay into your Cornèr3 pension account each year (up to the maximum amount set by the Confederation).
Tax
savings
If you opt for a Cornèr3 pension account, you will benefit from important tax advantages: you can deduct the amounts paid in every year from your taxable income.
Free account opening and management
Opening the Cornèr3 pension account is free of charge and there are no account management fees.
Once opened, you can view your account anytime and anywhere via the iCornèr App or e-banking Cornèronline.
Everything you need all in one app: iCorneeer App
Download the iCornèr App for free in order to easily open and manage your Cornèr3 third pillar account.
1. Download the app
Download the iCornèr App and select the Cornèr3 product.
2. Register
Fill out the form in the app. Good to know: you will be asked to scan your ID card.
3. Your new Corneeer3 pension is ready
Now you can start depositing any amount you want into your Cornèr3 third pillar account and monitor its growth thanks to the 1.10% interest rate.
Buying and building a house for your own use? Corneeer3 supports you in this.
If you decide to buy a house, build or renovate it, you can withdraw all or part of your third pillar money before you retire and use it for financing.
Open a Cornèr3 pension account now and start building your future immediately - brick by brick - thanks to the advantageous interest rate of 1.10%.
Why open a third pillar 3a?
The third pillar 3a enables you to fill any pension gaps to maintain your lifestyle after retirement. Since your pension from
the first pillar (old-age and survivors' insurance) and the 2nd pillar (occupational pension) usually only covers 60% of your
current income, the 3rd pillar gives you the opportunity to reduce or even close this so-called pension gap.
When can the pension assets be withdrawn in Corneeer3?
An early withdrawal of pension benefits is permitted particularly in the event of the termination of the pension relationship for one of the following reasons:
- You receive a full disability pension from the Federal Disability Insurance and the risk of disability is not insured;
- You would like to use the pension capital for the repayment of shares in a tax-exempt pension scheme or for another recognised form of retirement provision;
- You have terminated your previous self-employed activity and take up a new self-employed activity of a different kind;
- You want to buy or build a house for your own use;
- You would like to acquire shares in a residential property for your own use;
- You intend to repay mortgages.
How often can the pension assets in Corneeer3 be withdrawn?
The early withdrawal can be applied for every five years. An early withdrawal after taking up a new self-employed activity
that differs from the previous one must be applied for no later than six months after taking up the new activity.
How much does it cost to open a Corneeer3 pension account?
Opening a Cornèr3 account is free of charge.
Are there any fees for withdrawing the pension assets at retirement age?
No, Cornèr Bank does not charge any fees, neither for a withdrawal at retirement age nor for an early withdrawal up to five years before retirement age.
Is there a minimum amount to open a Corneeer3 account?
No, the holder of the pension account is free to determine the amount and timing of payments into the Cornèr3 account in his or her favour.
How can I transfer my current pillar 3a to Corneeer3?
To transfer your current pillar 3a to the Cornèr3 pension account, simply complete the appropriate
form.
What are the differences between a banking third pillar account and an insurance third pillar account?
A banking third pillar account differs from an insurance third pillar account mainly for the following two reasons:
- Flexible contributions: it does not require regular deposits and allows you to deposit as much as you like up to the maximum annual limit.
- Availability: affordable without insurance components, ideal for those who want to maximise their retirement savings while enjoying greater freedom of management.
How to choose between a traditional third pillar account and a fund investment account?
The choice between a traditional third pillar account, such as Cornèr3, and a fund investment account depends on risk tolerance and return objectives. If you are looking for security and stability, the traditional Cornèr3 account is ideal as it offers greater capital protection. If, on the other hand, you are willing to risk more in order to achieve potentially higher returns over a long-term horizon, investing in funds may be the right choice.