Guide
finpension pillar 3a: the flat fee and the foundation
finpension does not raise the federal pillar 3a ceiling. In 2026 that ceiling is 7'258 CHF with a 2nd pillar or 36'288 CHF at most without. What is specific: a foundation in Schwyz, a 0.39% flat administration fee on the assets, and up to five portfolios. Figures were read on finpension’s pages on 29 October 2026. They can change. From 1 January 2027 the Federal Council sets 7,373 francs with a 2nd pillar and 36,864 francs at most without one. The 20% rate is unchanged. Press release of 2 October 2026: https://www.admin.ch/fr/newnsb/BqB41FVYi5FB
Foundation seat: Schwyz. Supervision: ZBSA. Management: finpension AG, Lucerne. Custodians named by finpension: Swisscanto by Zürcher Kantonalbank and UBS Switzerland AG. Source: finpension structure.
The other digital 3a on this site, with a different fee base: VIAC. Securities or account, without a brand: 3a funds or account.
The wider frame is the Swiss third pillar.
Questions
Your questions, answered
The questions people ask before they request a comparison.
Does finpension raise the deductible amount?+−
No. The 2026 ceiling is federal: 7,258 CHF with a 2nd pillar, 36,288 CHF at most without. A payment at finpension uses that quota.
Does the 0.39% fee apply if the money stays in cash?+−
Yes, according to finpension’s 3a account page. With the SNB rate they display at 0.00%, they show a net interest credit of −0.39%. Reread the page: the rate moves.
Is finpension 3a an insurance policy?+−
No. It is the finpension 3a Retirement Savings Foundation. There is no surrender value of a policy on this page.
Official sources
Official sources
- FSIO — The third pillar (article 7 OPP 3) — Small and large contributions. Pillar 3a buy-backs concern gaps from 2025. The first buy-back is possible in 2026.
- FSIO — Amounts valid on 1 January 2026 — OASI pensions, BVG thresholds and 2026 pillar 3a ceilings. Last editorial check: 6 octobre 2026.
- Federal Council — pillar 3a deduction from 1 January 2027 — Press release of 2 October 2026: 7,373 francs with a 2nd pillar, 36,864 francs at most without one. The 20% rate is unchanged.
- FSIO — Your third-pillar contribution — Maximum with a 2nd pillar, or 20% of income inside the limit without one. The credit counts on 31 December for the tax year.
- FTA — Circular 18a (taxation of pillar 3a) — Tax on capital at withdrawal, staggering, transfer to the 2nd pillar.
- FTA — Pillar 3b life policies that can be surrendered — Flexible provision is not one single tax story. A policy follows the contract and the canton.
- FSIO — OPP 3 change (beneficiaries) — The FSIO announced a wider choice of pillar 3a beneficiaries from 1 June 2027. The applicable detail is on that page, not in a ceiling figure.
- OASI/disability information centre — Pensions, the 13th old-age pension, reference age and the transitional generation.
Editorial review on 6 octobre 2026. Pillar 3a ceilings cited for 2026, from the FSIO table. From 1 January 2027 the Federal Council sets 7,373 francs with a 2nd pillar and 36,864 francs at most without one. The 20% rate is unchanged. Press release of 2 October 2026: https://www.admin.ch/fr/newnsb/BqB41FVYi5FB. Cantonal pillar 3b amounts can change from one tax notice to the next. This is not personal advice.