{"id":8596,"date":"2024-01-21T08:10:00","date_gmt":"2024-01-21T07:10:00","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/digital-pension-apps-pando-3a-sparbatze-and-freya-bye\/"},"modified":"2024-12-08T14:04:37","modified_gmt":"2024-12-08T13:04:37","slug":"digital-pension-apps-pando-3a-sparbatze-and-freya-bye","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/digital-pension-apps-pando-3a-sparbatze-and-freya-bye\/","title":{"rendered":"Digital pension apps Pando 3a, Sparbatze and Freya – bye!"},"content":{"rendered":"Lesedauer<\/span> 5<\/span> Minuten<\/span><\/span>\n

Digital pension apps have become increasingly important in recent years. This is because pillar 3a is a large market and an important component of retirement provision in Switzerland. The apps promise simple and flexible handling of your pension provision. However, not all digital pillar 3a apps have been able to assert themselves on the market. In this article, we take a look at three such digital pension apps: Pando 3a, Sparbatze 3a and Freya 3a. <\/p>\n\n\n\n

Emergence of digital pension apps for pillar 3a in Switzerland<\/h2><\/div>\n\n

Digitization has not stopped at pillar 3a either. Various providers have launched digital pension apps on the market in recent years. These allow users to manage their pension provision conveniently from their smartphone. Providers are fully committed to technology and can thus not only acquire customers much more efficiently (= more cost-effectively) with lean processes, but also digitize the entire administration. This is why the costs for these digital providers are substantially lower than for conventional offerings.<\/p><\/div>\n\n

Nevertheless, your 3a assets are safe there. This is because the providers are regulated and your assets are safe with a foundation, not with the digital provider. You can find out more about the security of pillar 3a in this specialist article<\/a>. <\/p><\/div>\n\n

Banks and insurance companies are also trying to offer their existing customers digital 3a solutions or attract new, young customers with cool apps. However, some of these services have had difficulties establishing themselves and have drawn the appropriate conclusions.<\/p><\/div>\n\n