*If you’re between 18 and 30 years old and opening your first Epargne 3 Youth Account, we’ll match up to CHF 100 on your first deposit..

**For example, if you’re unmarried, have no children, live in Lausanne, and have taxable income of CHF 60,000, you’ll save CHF 1,792 in taxes if you pay the maximum annual amount of CHF 6,826 into your Pillar 3 account (based on September 2020 tax rates).

Epargne 3 Youth Accounts

Do you want to save on taxes and build up your retirement savings?

Our Epargne 3 Youth Account lets you do just that. To qualify for this type of account, you simply need to live and work in Switzerland, and your income must be subject to Swiss social security contributions.

Open an Epargne 3 Youth account

If you’re between 18 and 30 years old and opening your first Epargne 3 Youth Account, we’ll match up to CHF 175 on your first deposit. This is a special offer to celebrate BCV’s 175th anniversary and is valid from 9 November to 29 December 2020

• Additional 0.5% on the basic Epargne 3 interest rate
• We’ll match your first payment by up to CHF 175
• No management fees
• You put aside what you want, when you want
• Payments into the account are deductible from your taxable income (within the legal limit)
• The money in your account is not subject to wealth tax, and it is taxed at a reduced rate as you take it out

• You can start withdrawing your funds no more than five years before the legal retirement age.  If you continue working after the legal retirement age, can provide proof of employment, and keep paying into a Pillar 3 account, you can get the corresponding Pillar 3 tax benefits. You can deduct your Pillar 3 contributions from your taxes for up to five years after the legal retirement age.
• If you want to buy a house or pay down your mortgage.
• If you leave Switzerland permanently.
• If you want to become self-employed.
• If you use the money you withdraw to make voluntary occupational pension contributions.
• If you become eligible for full disability benefits in the Swiss social security system.

can start withdrawing your funds no more than five years before the legal retirement age.  If you continue working after the legal retirement age, can provide proof of employment, and keep paying into a Pillar 3 account, you can get the corresponding Pillar 3 tax benefits. You can deduct your Pillar 3 contributions from your taxes for up to five years after the legal retirement 

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