Your pension plan with volt. Personalized to suit you.

volt 3a is Vontobel's pillar 3a solution with an in-house pension foundation where your pension assets are actively invested by our experts. This is done via a personal pension custody account that you can open and manage in the app with volt by Vontobel.

Anyone who is at least 18 years old, lives in Switzerland, and pays into the pension fund as an employee or self-employed person can use volt 3a.

It's very simple: Those who are already volt by Vontobel customers can open their volt 3a custody account in just a few clicks in the app. New customers first download the volt by Vontobel app on their smartphone and create a user account within a few minutes. If you only want to use volt 3a and not volt invest, there are naturally no additional fees for your general volt by Vontobel account.

Good to know: volt 3a is available to all gainfully employed persons with income subject to AHV contributions and who reside in Switzerland. The minimum investment amount is CHF 500. Subsequent deposits can be made without a minimum and in any amount.

Expert tip: To ensure that you receive the greatest possible tax benefit, volt by Vontobel allows you to manage up to five volt 3a portfolios simultaneously. Find out more and benefit now in our pension hack.

volt 3a is part of volt by Vontobel. When you open a volt 3a account, you always receive a volt invest user account as well. If you do not make a deposit with volt invest, no fees will be charged for this.

Pillar 3a has an annual maximum amount that may not be exceeded. This differs depending on the employment relationship and can change from year to year. Employees who belong to a pension fund can pay a maximum of CHF 7,056 into pillar 3a for the year 2023. Self-employed persons who do not belong to a pension fund may pay 20 percent of their annual earned income, but a maximum of 35,280 francs. If the amount of the contributions changes, we will inform you in the app.