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Vested Benefits account

If you pay into an occupational pension fund and decide to leave your job, then our Vested Benefits account is for you. It lets you continue growing your retirement savings while you are not working.


  • The interest you receive is not subject to income tax and is net of Switzerland's withholding tax.
  • The money in your account is not subject to wealth tax; it is taxed at a reduced rate when you take it out.
  • When you die, your vested benefits go to the legal beneficiaries and are not treated as part of your estate.


If you leave your employer before you become eligible for benefits, your vested benefits are transferred to your new employer’s pension fund. If you don’t have a new employer, the vested benefits will be deposited in a vested benefits account in your name. The account will be fully secure and earn interest at a higher rate than a typical savings account. You will receive the benefits when you reach the legal retirement age, or up to five years before or after the legal retirement age.

A vested benefits account is designed for three main situations:

  • You temporarily leave your job and no longer pay into a Swiss occupational pension fund: your pension assets will keep earning interest until you sign up with a new fund.
  • You start a new job but your new employer's pension fund does not accept all of your vested pension benefits.
  • You decide to become self-employed but don't want to tap into your retirement savings right away.

Fees and conditions


Interest rate

  • 0.20%
  • From 01.08.2023: 0.30%

Availability of funds

  • At the legal retirement age or no more than five years before or after the legal retirement age
  • If you want to buy a home (primary residence only)
  • If you leave Switzerland permanently (conditions apply)
  • If you become self-employed
  • If you become eligible for disability benefits under the Swiss social security system  

Other conditions

  • From 18 years to the legal retirement age
  • You can pay into the account only from a Pillar 2 retirement account or another vested benefits account

Investir votre libre passage

Vous pouvez également profiter de la possibilité d’investir vos avoirs de libre passage de manière personnalisée avec un potentiel de rendements plus attrayants.

En savoir plus

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