Cornèr3,
build your future with peace of mind
With Cornèr3, you immediately benefit from one of the most advantageous interest rates currently available on the Swiss market.
Interest rate
1.40%
Interest rate
of 1.40%
Deposit
flexibility
Tax
savings
Free account
management
Enjoy a carefree pension
Set aside cash deposits now for your pension or as a basis for bigger investments with the third pillar Cornèr3 - and benefit from the advantageous interest rate of 1.40%.*
*The interest rate of 1.40% is not fixed but varies depending on market developments.
Savings with Cornèr3
9’000 CHF
Traditional savings
3’000 CHF
today
in 46 years
*The interest rate of 1.40% is not fixed but varies depending on market developments.
The advantages of Cornèr3
Interest rate of 1.40%
Benefit from one of the most favourable interest rates currently offered on the Swiss market and make private provisions.
This way, you can secure a carefree pension for yourself today.
Deposit flexibility
You decide when and how much you pay into your Cornèr3 pension account each year (up to the maximum amount set by the Confederation).
Tax savings
If you opt for a Cornèr3 pension account, you will benefit from important tax advantages: you can deduct the amounts paid in every year from your taxable income.
Free account opening and management
Opening the Cornèr3 pension account is free of charge and there are no account management fees.
Once opened, you can view your account anytime and anywhere via the iCornèr App or e-banking Cornèronline.
Open Cornèr3 with just a few clicks
You can open a Cornèr3 pension account directly online in complete security.
1
Enter your personal data
2
Sign by video identification
3
Start saving by paying in the desired amount each year
Buying and building a house for your own use? Cornèr3 supports you in this.
If you decide to buy a house, build or renovate it, you can withdraw all or part of your third pillar money before you retire and use it for financing.
Open a Cornèr3 pension account now and start building your future immediately - brick by brick - thanks to the advantageous interest rate of 1.40%.
Why open a third pillar 3a?
The third pillar 3a enables you to fill any pension gaps to maintain your lifestyle after retirement. Since your pension from
the first pillar (old-age and survivors' insurance) and the 2nd pillar (occupational pension) usually only covers 60% of your
current income, the 3rd pillar gives you the opportunity to reduce or even close this so-called pension gap.
How much and how can I pay into the Cornèr3 pension account?
You are free to choose how much to pay in month by month up to a maximum annual amount 2023 of CHF 7'056 (for employees) and CHF 35'280 (for self-employed) - deductible from your taxable income.
When can the pension assets be withdrawn in Cornèr3?
An early withdrawal of pension benefits is permitted particularly in the event of the termination of the pension relationship for one of the following reasons:
- You receive a full disability pension from the Federal Disability Insurance and the risk of disability is not insured;
- You would like to use the pension capital for the repayment of shares in a tax-exempt pension scheme or for another recognised form of retirement provision;
- You have terminated your previous self-employed activity and take up a new self-employed activity of a different kind;
- You want to buy or build a house for your own use;
- You would like to acquire shares in a residential property for your own use;
- You intend to repay mortgages.
How often can the pension assets in Cornèr3 be withdrawn?
The early withdrawal can be applied for every five years. An early withdrawal after taking up a new self-employed activity
that differs from the previous one must be applied for no later than six months after taking up the new activity.
How much does it cost to open a Cornèr3 pension account?
Opening a Cornèr3 account is free of charge.
Are there any fees for withdrawing the pension assets at retirement age?
No, Cornèr Bank does not charge any fees, neither for a withdrawal at retirement age nor for an early withdrawal up to five years before retirement age.
Is there a minimum amount to open a Cornèr3 account?
No, the holder of the pension account is free to determine the amount and timing of payments into the Cornèr3 account in his or her favour.
How can I transfer my current pillar 3a to Cornèr3?
To transfer your current pillar 3a to the Cornèr3 pension account, simply complete the appropriate
form.
Any questions?
Make an appointment now for a free, personal and non-binding consultation. The consultation can take place either over the phone or at your nearest agency.
Cornèr3, build your future with peace of mind