In this table you will find the yearly fees of 3a securities accounts from a range of banks and providers. The columns can be sorted as needed.
| Provider ↕ | Custodian ↕ | Cost rate (equity-heavy) ▲ | Max. equities ↕ | 3a pots ↕ | Customers ↕ | Assets under management ↕ | Fully online signup ↕ | Source ↕ |
|---|---|---|---|---|---|---|---|---|
| True WealthPortrait | Basellandschaftliche Kantonalbank (BLKB) | ca. 0,12 % Global0 % AM + ØTER 0,12 | 99 % | 5 | >45,000Platform | > CHF 3.0 bntotal | Yes | truewealth.ch/de/saeule-3aFAQ: 0,12 % global / 0,21 % sustainable |
| Liberty GreenPortrait | Graubündner Kantonalbank (GKB) | 0,38 % | 95 % | — | n/a | n/a | Yes | libertygreen.ch31.12.2025 |
| finpensionPortrait | UBS Switzerland AG / Zürcher Kantonalbank (ZKB) (Swisscanto) | 0,39–0,41 %0,39 % + TER 0,00–0,02 % | 99 % | 5 | >75,000 | > CHF 6.0 bntotal | Yes | finpension.ch/de/gebuehren-bei-finpension/Factsheet 31.07.2026 |
| neonPortrait | Lienhardt & Partner Privatbank Zürich AG | 0,39–0,45 % adminno FoF; degressive scale | 99 % | 5 | ca. 240,000Bank total | n/a | Yes | neon-free.ch/saeule3aprice PDF |
| VIAC | UBS / Zürcher Kantonalbank (ZKB) (cash: WIR Bank) | 0,40–0,41 %Global 100; admin cap 0,40 % | 99 % | 5 | >150,000 | > CHF 6.3 bntotal | Yes | viac.ch strategies |
| Zürcher Kantonalbank (ZKB) – franklynot Franklin Templeton | Zürcher Kantonalbank (ZKB) | 0,43 % All-in | 95 % | 5 | >130,000 | > CHF 5.0 bntotal | Yes | frankly.ch FAQ |
| Schwyzer Kantonalbank (SZKB) – digital | Schwyzer Kantonalbank (SZKB) | 0,44 %Indexanlagen Kapitalgewinn V: 0,44 % TER + custody 0 | ≥ 90 %currently ~98,6 % | — | n/a | n/a | Yes | szkb.chFactsheet Indexanlagen Kapitalgewinn V 31.08.2026; digital 3a: custody 0 |
| Basellandschaftliche Kantonalbank (BLKB) | Basellandschaftliche Kantonalbank (BLKB) | 0,46 %E-Vorsorge custody 0; fund TER iQ Equity World ex CH B; other iQ tranches 0,20–0,46 % | 100 % | — | n/a | ca. CHF 1.0 bntotal | Yes | blkb.ch E-Vorsorge |
| Yuh | Lienhardt & Partner Privatbank Zürich AG | 0,50 % | 100 % | 1 | 399,201Accounts | ca. CHF 3.7 bnAuC, total | Yes | yuh.com |
| Thurgauer Kantonalbank (TKB) – OLIVIA | Thurgauer Kantonalbank (TKB) | ca. 0,50–0,65 %TKB Strategiefonds (digital); custody 0 | 100 % | — | n/a | n/a | No | tkb.chsecurities saving 3a (visited 2026-09-09) |
| Swissquote 3a Easy | Swissquote Bank AG | 0,60 % | — | 1 | n/a | n/a | Yes | swissquote.com 3a Easy |
| Zürcher Kantonalbank (ZKB) – Sparen 3not frankly | Zürcher Kantonalbank (ZKB) | ca. 0,70 % gapSwisscanto 95 Passiv TER 0,40 % + custody 0,30 % | 95 % | — | n/a | n/a | No | getrates.ch |
| Inyova | Saxo Bank (Switzerland) Ltd | 0,80 % | — | — | n/a | three-digit million CHFtotal, CH+DE | Yes | inyova.ch/pricing-3a/ |
| VZ VermögensZentrum 3a | VZ Depotbank AG | ca. 0,83 %Indexanlagen: 0,68 % AM + ØTER ca. 0,15 % | 97 % | — | 94,433Platform | CHF 61.8 bnGroup, total | No | vermoegenszentrum.ch/saeule-3a-mit-indexanlagenvisited 2026-09-09 |
| Graubündner Kantonalbank (GKB) – Gioia 3a | Graubündner Kantonalbank (GKB) | 0,85 %Mutig: 0,10 % base fee + 0,75 % TER Strategiefonds Kapitalgewinn ESG V | ~97,5 % | 5 | n/a | n/a | Yes | gioia3a.gkb.chgkb.ch prices 2026 (Gioia 0,10 %); Factsheet Kapitalgewinn ESG V TER 0,75 % (31.07.2026) |
| PostFinance Wertschriften-3a | PostFinance | 0,85 %PF Pension Passive 100: 0,85 % ongoing costs + custody 0 | 100 % | — | n/a | CHF 23.0 bnFunds/securities/life avg, total | Yes | postfinance.ch/vorsorgefondsswissfunddata Passive 100: ongoing costs 16.12.2025; data 31.07.2026; custody 0 (visited 2026-09-09) |
| Valiant | Valiant Bank AG | ca. 0,85 %Helvétique Capital Gain (custody 0); note: Swiss Fund Data VA synth. TER 1,14 % (30.04.2025) | 95 % | — | n/a | n/a | Yes | valiant.chsecurities saving (visited 2026-09-09) |
| UBS Fisca / Vitainvest Passive 100 | UBS Switzerland AG | ca. 0,88 %0,65 % + 0,23 % TER | 100 % | — | n/a | CHF 1,002.8 mVitainvest Passive 100 Sustainable, total | Yes | UBS Fisca-FactsheetKID 16.02.2026 |
| Appenzeller Kantonalbank (AppKB) | Appenzeller Kantonalbank (AppKB) | 0,90 %Swisscanto IPF III 95 Passiv: 0,40 % TER + 0,50 % All-in | 95 % | — | n/a | n/a | No | appkb.chsecurities saving All-in 0,5 % (visited 2026-09-09); Swisscanto 95 Passiv TER 0,40 % (Sep 2025) |
| Migros Bank | Migros Bank AG | 0,90 %Fonds 85 V: 0,90 % TER + custody 0 | 85 % | — | 1,230,000Bank | CHF 18.3 bnCustody assets, total | Yes | migrosbank.chswissfunddata Fonds 85 V TER 0,90 % (31.12.2025); product sheet 01.03.2026 |
| Selma | VZ Depotbank AG | ca. 0,90 % below 50k0,68 % AM + ca. 0,22 % TER | — | — | >14,500 | > CHF 300.0 mtotal | Yes | selma.com/de-ch/gebuehr |
| Hypothekarbank Lenzburg (Aare) | Hypothekarbank Lenzburg AG | ca. 0,98 %Aare 100 Passiv: 0,80 % flat fee + ØETF-TER ca. 0,18 % | 100 % | — | n/a | CHF 3.8 bnCustody assets, total | Yes | hbl.chAare strategies/FAQ (visited 2026-09-09); ØTER analog 55-Passiv factsheet |
| Luzerner Kantonalbank (LUKB) | Luzerner Kantonalbank (LUKB) | 1,05 %Expert-Vorsorge 75: 0,80 % TER + 0,25 % custody | 75 % | — | n/a | CHF 42.6 bntotal | Yes | finpension fund comparison |
| Nidwaldner Kantonalbank (NKB) | Nidwaldner Kantonalbank (NKB) | ca. 1,05 %All-in 0,65 % + TER Swisscanto Index 95 Passiv 0,40 % | 95 % | — | n/a | CHF 7.3 bntotal | No | nkb.chsecurities saving (visited 2026-09-09); Swisscanto 95 Passiv TER 0,40 % |
| Obwaldner Kantonalbank (OKB) | Obwaldner Kantonalbank (OKB) | ca. 1,05 %All-in 0,65 % + TER Swisscanto Passiv 95 0,40 % | —typ. up to 95 % | — | n/a | CHF 2,353.0 mCustody volume, total | n/a | okb.chsecurities saving 3a (visited 2026-09-09); Swisscanto 95 Passiv TER 0,40 % |
| St. Galler Kantonalbank (SGKB) | St. Galler Kantonalbank (SGKB) | 1,09 %Vorsorge Wachstum V | 71 % | — | n/a | CHF 71.8 bntotal | Yes | finpension fund comparison |
| Banque Cantonale de Genève (BCGE) | Banque Cantonale de Genève (BCGE) | 1,16 %Synchrony LPP 80 B: 1,16 % TER (15.09.2025); Plan: admin 0 | 80 % | — | n/a | CHF 40.4 bntotal | Yes | bcge.chPlan épargne (visited 2026-09-09); swissfunddata Factsheet March 2026. Note: finpension sec. sometimes +0,25 % custody |
| Glarner Kantonalbank (GLKB) | Glarner Kantonalbank (GLKB) | 1,16 %ESG Kapitalgewinn: 1,16 % TER + custody 0 | 98 % | — | n/a | n/a | n/a | finanzen.chswissfunddata TER 1,16 %; vorsorgefonds.ch (sec.) |
| Basler Kantonalbank (BKB) | Basler Kantonalbank (BKB) | 1,22 % TERown Wachstum solution (custody 0); third-party funds +0,5 % p.a. | 77 %Wachstum | — | n/a | CHF 55.0 bnGroup, total | No | bkb.ch securities saving |
| Banque Cantonale de Fribourg (FKB / BCF) | Banque Cantonale de Fribourg (FKB / BCF) | 1,24 %Active Dynamic A: 1,24 % TER + custody 0 | ~74 %band 45–85 % | — | n/a | n/a | No | bcf.chTarif VV: own pension funds custody 0; vorsorgefonds.ch |
| Raiffeisen Futura Equity V | Raiffeisen Schweiz | 1,25 % TERcustody 0; local subscription | 80–100 % | — | n/a | CHF 855.0 mFund assets, total | Yes | raiffeisen.ch Factsheet31.01.2026 |
| Banque Cler | Banque Cler SA | 1,26 %Nachhaltig Aktien (CHF) V: 1,26 % TER + custody 0 | 95 % | — | n/a | CHF 16.8 bntotal | Yes | cler.chmonthly report TER 1,26 % as of 31.12.2025; Anlagelösung Nachhaltig |
| Banque Cantonale Vaudoise (BCV) – Portfolio 3 | Banque Cantonale Vaudoise (BCV) | 1,33 %BCV Pension 70 AP: 1,33 % TER + custody 0 | 70 % | — | n/a | CHF 901.2 mBCV Portfolio Pension Fund, total | Yes | bcv.chPortfolio 3 (visited 2026-09-09); vorsorgefonds.ch/moneyland |
| Berner Kantonalbank (BEKB) | Berner Kantonalbank (BEKB) | 1,40 %Strategiefonds Nachhaltig 90 Vorsorge B | 90 % | — | n/a | CHF 45.3 bntotal | n/a | finpension fund comparison |
| Banque Cantonale du Valais (WKB / BCVs) | Banque Cantonale du Valais (WKB / BCVs) | 1,50 %flex Pension 65 AP: 1,50 % TER + custody 0 | 65 %band ~50–75 % | — | n/a | CHF 18.3 bntotal | n/a | bcvs.chFlex Pension 65; vorsorgefonds.ch TER 1,50 % |
| Zuger Kantonalbank (ZugerKB) | Zuger Kantonalbank (ZugerKB) | 1,58 %Strategie Dynamisch BV: 1,28 % + 0,30 % Depot | 75 % | — | n/a | CHF 29.4 bntotal | Yes | finpension fund comparison |
| Aargauische Kantonalbank (AKB) | Aargauische Kantonalbank (AKB) | 1,68 %AKB Aktien CHF ESG Fokus: 1,38 % TER + 0,30 % investment tariff | 95 % | — | n/a | CHF 40.8 bntotal | n/a | akb.chsecurities saving investment tariff 0,30 %; swissfunddata TER 1,38 % (31.07.2026) |
| Banca dello Stato del Cantone Ticino (BancaStato) – Previdenza digitaleno single All-in | Banca dello Stato del Cantone Ticino (BancaStato) | n/aESG Vita 60: AM Classe P 1,30 % documented; Swisscanto Responsible 75 in the offering | 75 % / 60 % | — | n/a | CHF 24.1 bnGroup, total | Yes | bancastato.chfinanzen.ch Vita 60 — All-in not cleanly documented |
| Descartesno single All-in | Lienhardt & Partner Privatbank Zürich AG | 0,20 % / 0,40 % + TER im NAVEstimate: no single All-in; not finanzdepot.ch 0,61–0,65 % | — | — | n/a | n/a | Yes | Descartes (primary) |
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