An investment and saving solution with Swiss security, attractive return opportunities and tax relief for your 3a pillar plan.

Take advantage of zero management fees for the first six months*.

* Offer valid until 31 December 2024

Your advantages
Choose according to your needs

Choose the predefined strategy that best matches your aspirations. On the one hand, a Saving Strategy designed to provide a constant return; on the other, several investment strategies intended to generate significant potential returns.

Calculate your potential return

Take a look at our various options and quickly find out what returns you can expect using the strategies carefully devised by our experts.

In 2024, the maximum amount employees can pay into their 3a pillar is CHF 7’056 per calendar year. 
For the self‑employed, the ceiling is 20% of net income, with a maximum of CHF 35’280 per year.

Transparent and accessible pricing

Enjoy low fees and optimise your returns.


3a Saving Strategy

Management fees No fees 
Minimum deposit amountCHF 100 
Interest rate1%*

*The interest rate is based on the Saron benchmark rate, which means that fluctuations in this rate will have a direct impact on the interest rate applied.


3a Balanced Strategy, 3a Dynamic Strategy, 3a Ambitious Strategy

 3a Balanced Strategy3a Dynamic Strategy3a Ambitious Strategy
Product fees0.26%0.26%0.24%
Management fee 


Free for the first six months*


Free for the first six months*


Free for the first six months*

Minimum depositCHF 100
Minimum reinvestmentCHF 100

* Offer valid until 31 December 2024. Please note that your account will be automatically debited for the management fees from the seventh month.

Your 3a Easy in just 3 steps
3a easy new account interface

Open your account and activate 3a Easy.
Already a client? Activate 3a Easy


Choose a strategy based on your objectives. 


Let our solution look after your 3a pillar. 

General questions
Savings strategy
Investment strategies
Here along the way

How can we help you?

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Be aware of the risk

Trading foreign exchange, spot precious metals and any other product on the Forex platform involves significant risk of loss and may not be suitable for all investors. Prior to opening an account with Swissquote, consider your level of experience, investment objectives, assets, income and risk appetite. The possibility exists that you could sustain a loss of some or all of your initial investment and therefore you should not speculate, invest or hedge with capital you cannot afford to lose, that is borrowed or urgently needed or necessary for personal or family subsistence. You should be aware of all the risks associated with foreign exchange trading, and seek advice from an independent financial advisor if you have any doubts. The content of this website represents advertising material and has not been submitted to nor approved by any supervisory authority.