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Open your 3rd pillar directly using the iCorneeer app.
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.
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:
From 2026, it will be possible to close any contribution gaps in Pillar 3a relating to the years from 2025 onwards, within a maximum period of 10 years. To make a retroactive payment, you must first have paid the full standard maximum contribution for the current year. Retroactive payments are fully deductible from taxable income in the year in which they are made.
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.
Opening a Cornèr3 account is free of charge.
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.
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.
To transfer your current pillar 3a to the Cornèr3 pension account, simply complete the appropriate form.
A banking third pillar account differs from an insurance third pillar account mainly for the following two reasons:
An insurance third pillar account includes an insurance component providing cover against, for instance, disability or death, although subject to constraints on contributions. It is less flexible than a banking third pillar account because it requires fixed, regular contributions, and imposes rather high early exit costs.
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.
* The interest rate may be adjusted by the Bank in accordance with market developments and the reference rate set by the Swiss National Bank.
