Why the frankly pillar 3a app is the right pension solution for you

1. You save on taxes

With every franc you pay into your pillar 3a retirement savings plan you reduce your taxable income up to the maximum amount, and therefore save on taxes! This means you benefit twice over.

2. frankly opening in a few minutes

We make sure that you do not have to go to a branch office or fill in any annoying paperwork. The opening process only takes a few minutes. All you need is a smartphone and an ID card and you are one big step closer to building up your retirement assets and saving on taxes at the same time.

3. With as little as CHF 1.-

You decide for yourself. There is no minimum deposit.

4. Simple & under­standable – fully digital

We are completely rethinking pillar 3a: You can manage your 3a retirement provision comfortably and easily via the frankly app, monitor your performance at any time and have access to all important information and documents from anywhere. You can also make investments and sales every day. What more do you want?

5. Attractive yield oppor­tu­nities through high-quality in­vestment pro­ducts

The top priority is to build up your assets so that you can continue to fulfil your wishes in old age. frankly invests in securities and only in high-quality Swisscanto investment products. You decide with your strategy how much risk you want to take. We have five investment strategies and nine products for you, and also give you tips on how to make the right investment decisions.

Find out what retirement assets are available to you in old age thanks to frankly.

6. Radical pricing model: 60% cheaper than com­parable securities savings offers 

Low costs are important in order to achieve high returns. Our current all-in fee of 0.45% on account and securities balances is half the price of comparable securities savings offers (source: moneyland.ch). This has been confirmed by the independent Swiss online comparison service moneyland.ch.

7. Sustainable retirement products

Swisscanto investment products play a pioneering role in sustainable investing. frankly backs this strategy too. All active Swisscanto investment products in frankly follow a responsible approach with a wide range of criteria (CO2 reduction goal in accordance with the Paris Agreement, systematic analysis of ESG criteria, i.e. inclusion of environmental, social and governance aspects in investment decisions, exclusions).

8. Easy transfer

Make the most of your pillar 3 with the frankly app. Even if you’ve already got pillar 3a accounts with other providers, you can easily transfer them to frankly. We will pay the transfer costs for you. We will pay any costs you incur for selling your existing securities or for closing your account (this applies to all savings contracts with bank foundations).

9. Our Community discount

You’re not alone. The more customers who use frankly, the cheaper the all-in fee becomes for everyone. In the meantime we have already reached the third discount level of CHF 1000 million, and with the more people who use it frankly will get even cheaper. You can see how far away we are from the next threshold in the app.

10. Safety & experience

frankly was developed by Zürcher Kantonalbank, one of the safest universal banks in the world. Zürcher Kantonalbank can call on over 150 years of experience since its founding, and more than one million clients place their trust in it. We give everything for you for the Zürcher Kantonalbank’s Savings 3 Pension Foundation and the excellent products of Swisscanto Invest by Zürcher Kantonalbank.