Who we are

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

Our mission

frankly takes one of the biggest concerns among Swiss people – retirement provision – seriously, and offers an innovative, digital and secure solution. In the process, we are rethinking pension provision in Switzerland and giving you full control over your retirement planning.


frankly is backed by a reliable partner in Zürcher Kantonalbank – one of the safest universal banks in the world – with the excellent Swisscanto investment products.


A radically new pricing model is required to make sure that the whole of Switzerland can benefit from our safe and attractive pension solutions. This is because we want everyone to be able to benefit from our excellent solutions. 


With the all-in-fee, we offer an extremely attractive pricing model. Our focus is always 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 the app 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 nine different investment products.

From a single source

frankly was developed by Zürcher Kantonalbank, which has earned the trust of more than a million customers since it was founded 150 years ago. We do our utmost to serve you, with the Zürcher Kantonalbank Savings 3 Pension Foundation and the Zürcher Kantonalbank Vested Benefits Foundation. 

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.

With Zürcher Kantonalbank's Vested Benefits Foundation, your pension assets from the pension fund are professionally managed.

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