Who we are

frankly – the private pension solution for the whole of Switzerland – has been developed by Zürcher Kantonalbank. We use innovative technologies to make your pillar 3a even more accessible and efficient. In doing so, we rely on the experience of Zürcher Kantonalbank's Sparen 3 pension foundation and the high-quality investment products of our multi-award-winning partner Swisscanto.

Our mission

frankly takes seriously one of the biggest concerns of the Swiss population – pension provision – and offers an innovative solution. With frankly your money doesn't just lie around in your account, it is cleverly invested in securities. We want to rethink private pension provision in Switzerland and give you full control over your pillar 3a.

With Zürcher Kantonalbank as its dependable partner, frankly is backed by one of the safest full-service banks in the world and the award-winning investment products of Swisscanto.


For the whole of Switzerland to benefit from our secure and powerful Sparen 3 solution, a radically new pricing model is needed. Because we want everyone to benefit from our award-winning investment products.


We also offer you an extremely attractive pricing model with the all-in fee. We always focus on potential returns, transparency, security and simplicity.

A digital solution 

Since 2020 we have offered frankly – the modern and uncomplicated solution for your retirement planning. You can access frankly via app with your smartphone or via the web version with your computer or laptop.

You decide

With us, you can decide for yourself how your private pension provision should develop. Swisscanto’s excellent investment products support cautious and courageous investment strategies in equal measure. frankly distinguishes between five investment strategies and offers you nine investment products.

From one source

frankly has been developed by Zürcher Kantonalbank, a bank that has been around for 150 years, trusted by more than one million customers. Together with Zürcher Kantonalbank's Sparen 3 pension foundation and the excellent products of Swisscanto, we have everything you need.

Zürcher Kantonalbank has stood for reliability in banking for over 150 years and is one of the safest full-service banks in the world.


Swisscanto stands for comprehensive and high-quality investment products for private investors.

Through Zürcher Kantonalbank's Sparen 3 pension foundation, your 3rd pillar becomes more sustainable and your tax bill more bearable.

Please rotate device