finpension: The pillar 3a where my own retirement money sits.
Open your finpension account with code WPMBK8 and finpension will credit CHF 25.- in fees to your account.
Open your finpension account
´Disclosure: This page contains a referral code. If you open an account using code WPMBK8, Finance Phoenix may receive a referral benefit, at no extra cost to you. We only recommend tools and services we use and trust ourselves.
Why finpension made it onto my recommendation list
After 16+ years in Swiss banking and finance, I do not hand out recommendations lightly. finpension is where my own pillar 3a is invested, and the provider I send my clients to when they want their tax-privileged savings to actually work for them.
One honest fee: 0.39%
A flat all-in fee of 0.39% per year for management and custody. Traditional bank 3a funds often charge 0.9% or more. Over 20+ years, that difference alone is worth tens of thousands of francs.
Pension fund conditions for private savers
finpension gives you access to institutional index funds normally reserved for pension funds, with lower taxes on foreign dividends. Up to 99% equity if you want it. Your money, your strategy.
Built for smart tax planning
Pay in up to CHF 7'258.- per year (2026) and deduct every franc from your taxable income. Up to 5 separate portfolios let you stagger withdrawals later and save taxes twice. And since 2026, you can even fill contribution gaps retroactively.
Switching is effortless
Already have a 3a at a bank? finpension sends you the transfer form with a prepaid envelope. No minimum amount, no obligation to pay in regularly, start from CHF 1.-.
CHF 25.- in fee credit with code WPMBK8.
Open your account
Open your finpension account via app or web. The process is free, fully digital and takes around 10 minutes. Enter code WPMBK8 in the "Enter code" field at the last registration step.
Fund with CHF 1'000.-
Deposit or transfer at least CHF 1'000.- within your first 12 months. A transfer from an existing 3a counts too.
Enjoy years of free management
The CHF 25.- fee credit is applied directly to your account. On a CHF 1'000.- balance, that covers the full fee for over 6 years.
Offer subject to finpension's referral programme terms. Code must be entered during registration or within 24 hours via the referral icon in your portfolio. Cannot be combined with other referral codes. Full terms apply on finpension's page.
Quick answers before you commit
Is finpension safe for Swiss savers?
Yes. finpension AG is a Swiss securities firm licensed by FINMA, based in Lucerne. The 3a foundation is supervised by the BVG and Foundation Supervisory Authority (ZBSA), and assets are held at UBS and Zürcher Kantonalbank, segregated from finpension's own balance sheet.
How much can I pay into pillar 3a in 2026?
CHF 7'258.- if you have a pension fund, or up to 20% of net income (max CHF 36'288.-) if you are self-employed without one. New since 2026: you can retroactively fill contribution gaps from 2025 onwards.
How do I claim the CHF 25.- credit?
Enter code WPMBK8 at the last step of registration and fund your account with at least CHF 1'000.- within 12 months. The credit is applied to your fee account automatically.
Can I transfer my existing 3a to finpension?
Yes. After opening your account, you download a pre-filled transfer form (or use the free print & send service) and mail it to your current provider. finpension notifies you once the money arrives.
What does the 0.39% fee include?
Management and custody, all-in. There is no minimum fee, and the underlying index funds carry only minimal product costs. The flat rate applies to both the account and the securities solution.
Is this an affiliate code?
Yes. If you open an account with code WPMBK8, Finance Phoenix may receive a referral benefit from finpension at no extra cost to you. The CHF 25.- credit is provided by finpension directly to you and is in addition to any benefit we may receive.
