FAQ

FAQ Overview

How can I withdraw money from my vested benefits account?

You may withdraw vested benefits assets no earlier than five years before reaching the reference age, but no later than age 70. An early payout is permitted in Switzerland in specific cases.

An early payout is permitted in Switzerland in the following cases:

  • purchasing an owner-occupied residential property
  • repaying a mortgage
  • transferring to another 2nd pillar pension scheme
  • becoming self-employed
  • permanently emigrating (special regulations apply to EU/EFTA states as well as the Principality of Liechtenstein)
  • receiving a full IV pension
  • if the balance on the vested benefits account was less than the annual contribution for the occupational pension scheme (de minimis)

Requesting withdrawal from your vested benefits account

If you want to make a withdrawal from your vested benefits account, you must always send us a copy of your identity document and, where applicable, that of your spouse or registered partner. Additional documents which may be required depend on the reason for the withdrawal and are listed in the lump-sum withdrawal form.

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