{"id":8612,"date":"2023-11-06T08:20:43","date_gmt":"2023-11-06T07:20:43","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/how-many-3a-accounts-make-sense\/"},"modified":"2025-04-01T22:31:05","modified_gmt":"2025-04-01T20:31:05","slug":"how-many-3a-accounts-make-sense","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/how-many-3a-accounts-make-sense\/","title":{"rendered":"How many 3a accounts make sense?"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> 6<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<p data-block-type=\"core\">How many 3a accounts make sense? From what amount should I open a new pillar 3a account? And: How many pillar 3a accounts can you have? Can I have several pillar 3a accounts at the same bank? We hear these questions again and again. The answers depend on various factors. Discover the five-account rule for pillar 3a and how you can make huge tax savings.<\/p>\n\n<!--more-->\n\n<p data-block-type=\"core\">For the sake of simplicity, we will refer to &#8220;pillar 3a account&#8221; below. In this article, we are referring to all forms of pillar 3a, such as funds, securities, savings accounts or insurance policies. You can find out more about pillar 3a on the <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/tag\/pillar-3a\/\">topic page<\/a>.  <\/p>\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-253d2dc stk-block-background\" data-block-id=\"253d2dc\"><p class=\"stk-table-of-contents__title\">We clarify these questions in the article &#8220;How many 3a accounts make sense?&#8221;:<\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#warum-lohnen-sich-mehrere-3-a-konten\">Why are several 3a accounts worthwhile?<\/a><\/li><li><a href=\"#wie-viel-darf-ich-pro-jahr-einzahlen-wenn-ich-mehrere-3-a-konten-habe\">How much can I pay in per year if I have several 3a accounts?<\/a><\/li><li><a href=\"#ab-wann-darf-ich-3-a-konten-auflosen\">When can I close 3a accounts?<\/a><\/li><li><a href=\"#wie-viele-3-a-konten-sind-sinnvoll-die-funf-kontenregel-fur-gelder-der-saule-3-a\">How many 3a accounts make sense? &#8211; The five-account rule for pillar 3a assets<\/a><\/li><li><a href=\"#ab-welchen-betrag-soll-ich-ein-neues-3-a-konto-eroffnen\">From what amount should I open a new 3a account?<\/a><\/li><li><a href=\"#zusammenfassung-wie-viele-3-a-konten-sind-sinnvoll\">Summary: How many 3a accounts make sense?<\/a><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-6aebc8b\" id=\"warum-lohnen-sich-mehrere-3-a-konten\" data-block-id=\"6aebc8b\"><h2 class=\"stk-block-heading__text\">Why are several 3a accounts worthwhile?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0de68c1\" data-block-id=\"0de68c1\"><p class=\"stk-block-text__text\">Because of the progressive tax burden. The fact is that lump-sum payments from pillar 3a are taxed at a reduced rate for federal tax purposes. This is also the case in all cantons. Withdrawals from the pension fund, vested benefits account and pillar 3a in the same tax year are added together; the total amount determines the tax rate.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e9e998a\" data-block-id=\"e9e998a\"><p class=\"stk-block-text__text\">You can compare the <a href=\"https:\/\/www.smolio.ch\/wissen\/kapitalauszahlungssteuer\/\">capital tax<\/a> on pension benefits with the income tax on your salary. Like income tax, it is progressive in most cantons. <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/tax-progression\/\">Tax progression<\/a> means that a higher tax rate applies to higher pension assets than to lower pension assets. In short: the more you withdraw in a year, the higher your tax rate will be.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e43bee8\" data-block-id=\"e43bee8\"><p class=\"stk-block-text__text\">You can avoid the additional burden of progressive taxation by paying out your pillar 3a accounts in different tax years. This almost always saves taxes. <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-4d52be0\" id=\"wie-viele-saule-3-a-konten-kann-man-haben-wie-viele-3-a-konten-sind-sinnvoll-und-erlaubt\" data-block-id=\"4d52be0\"><h2 class=\"stk-block-heading__text\">How many pillar 3a accounts can you have? How many 3a accounts are sensible and permitted?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-689d82b\" data-block-id=\"689d82b\"><p class=\"stk-block-text__text\">The law does not limit the number of 3a accounts &#8211; it allows any number of accounts.<sup data-fn=\"316ecf18-87d3-47f2-a123-8bc3f40a2e36\" class=\"fn\"><a href=\"#316ecf18-87d3-47f2-a123-8bc3f40a2e36\" id=\"316ecf18-87d3-47f2-a123-8bc3f40a2e36-link\">1<\/a><\/sup> You can open 3a contracts with several banks or insurance companies.<\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8258bd8\" data-block-id=\"8258bd8\"><p class=\"stk-block-text__text\">However, this recommendation does not bind the cantons. Individual tax administrations limit the number of accounts and thus restrict withdrawals in tranches. Specifically: Geneva and Zug do not accept more than three accounts. All other cantons have no limit.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-4d89e95\" id=\"wie-viel-darf-ich-pro-jahr-einzahlen-wenn-ich-mehrere-3-a-konten-habe\" data-block-id=\"4d89e95\"><h2 class=\"stk-block-heading__text\">How much can I pay in per year if I have several 3a accounts?<\/h2><\/div>\n\n<p data-block-type=\"core\">The maximum tax-deductible amount does not change if you split the deposit between several 3a accounts. You decide where you pay in how much, but in total you may not pay in more than the maximum amount per year. <\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-dce537b stk-block-background\" data-block-id=\"dce537b\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-dce537b{background-color:#02b875 !important;padding-top:60px !important;padding-bottom:60px !important}.stk-dce537b:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-dce537b-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-8d79b7a\" data-v=\"4\" data-block-id=\"8d79b7a\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-8d79b7a-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-8d79b7a-inner-blocks\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-0d94db7\" id=\"bleib-in-kontakt-mit-uns\" data-block-id=\"0d94db7\"><style>.stk-0d94db7 .stk-block-heading__text{color:#ffffff !important}<\/style><h2 class=\"stk-block-heading__text has-text-color has-text-align-center\">Stay in contact with us<\/h2><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-6f29f46\" data-block-id=\"6f29f46\"><style>.stk-6f29f46 .stk-block-text__text{color:#ffffff !important}<\/style><p class=\"stk-block-text__text has-text-color\"><span style=\"font-weight: 400\">We<\/span> regularly <span style=\"font-weight: 400\">add new knowledge that you can use to optimize your finances yourself.<\/span> Follow us on our channels<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-fbc76f0\" data-block-id=\"fbc76f0\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-icon-button stk-block-icon-button stk-block stk-92432f9\" data-block-id=\"92432f9\"><style>.stk-92432f9 .stk-button{background:#00acee !important}.stk-92432f9 .stk-button .stk--inner-svg svg:last-child{height:17px !important;width:17px !important}.stk-92432f9 .stk-button .stk--inner-svg svg:last-child,.stk-92432f9 .stk-button .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:#ffffff !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/www.smolio.ch\/finanzwissen-abonnieren\/\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg class=\"ugb-custom-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"32\" width=\"32\" viewbox=\"0 0 512 512\" aria-hidden=\"true\"><!--!Font Awesome Free 6.5.1 by @fontawesome - 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You can postpone the withdrawal date until you finally give up your gainful employment, but no later than the age of 70. Each account must be closed in its entirety. Partial withdrawal from the account is not possible.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-82e7e29\" id=\"wie-viele-3-a-konten-sind-sinnvoll-die-funf-kontenregel-fur-gelder-der-saule-3-a\" data-block-id=\"82e7e29\"><h2 class=\"stk-block-heading__text\">How many 3a accounts make sense? &#8211; The five-account rule for pillar 3a assets<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-14390ae\" data-block-id=\"14390ae\"><p class=\"stk-block-text__text\">Many people say &#8220;five 3a accounts&#8221; because of the possibility of drawing from 60. Even though there are actually six years until normal retirement, because the retirement year also counts (age 60, 61, 62, 63, 64, 65). <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-35b4542\" data-block-id=\"35b4542\"><p class=\"stk-block-text__text\">Our <strong>five-account rule<\/strong> is based on the following consideration: from the age of 60, you close an account each year and withdraw capital (in part or in full) from the pension fund in your 65th year. If you work longer than 65, you could close accounts in up to 11 tax periods (age 60 to age 70). However, as this applies to very few people, let&#8217;s remember the five-account rule.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-25b0e52\" data-block-id=\"25b0e52\"><p class=\"stk-block-text__text\">When it comes to taxation, the tax authorities don&#8217;t care where the pension money comes from. It adds up all declared capital benefits (e.g. pillar 3a, pension fund, vested benefits, insurance) for a year and assesses tax on the total amount. It can be even worse if you are married or living in a registered partnership. Then your payments are assessed together. Example: you receive money from the pension fund and a 3a account and your (spouse) partner dissolves their pillar 3a &#8211; holy shit!    <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-b2c75cc stk-block-background\" data-block-id=\"b2c75cc\"><style>.stk-b2c75cc {background-color:#02b875 !important;}.stk-b2c75cc:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-b2c75cc-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-936e4b8\" data-v=\"4\" data-block-id=\"936e4b8\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-936e4b8-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-936e4b8-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-staffelung-beim-bezug-von-vorsorgegeldern-planen\">Our tip: <strong>Plan staggered withdrawals of pension assets <\/strong> <\/h3>\n\n\n\n<p class=\"has-white-color has-text-color\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Married couples and registered partners are best advised to make a plan together as to when which assets from the pension fund and pillar 3a should be withdrawn. In this way, they avoid an unnecessary accumulation of payouts in one year. <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-40464b1\" data-block-id=\"40464b1\"><p class=\"stk-block-text__text\">Staggering the withdrawal of pension assets over time is important from a tax perspective. However, this is only possible if you have several accounts. What&#8217;s more, you don&#8217;t know today what your life will look like in &#8211; let&#8217;s say &#8211; 25 years&#8217; time.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0ee484d\" data-block-id=\"0ee484d\"><p class=\"stk-block-text__text\">Five accounts therefore make sense. This way, you remain flexible and can not only smooth out the withdrawal over six tax periods, but also organize it with your (future) partner so that the payouts from the pension are spread evenly over the years. Smart \ud83d\ude0a If your years are close together, close the smallest 3a accounts together in the same year. The same applies if you say goodbye to your boss at the age of 63. The aim is to achieve the most even capital payouts possible over your joint reference period.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-7f8e3d8 stk-block-background\" data-block-id=\"7f8e3d8\"><style>.stk-7f8e3d8 {background-color:#02b875 !important;}.stk-7f8e3d8:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-7f8e3d8-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f08d2fd\" data-v=\"4\" data-block-id=\"f08d2fd\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f08d2fd-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f08d2fd-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-funf-kontenregel-der-saule-3a\">Our tip: the five-account rule for pillar 3a<\/h3>\n\n\n\n<p class=\"has-white-color has-text-color\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Gradually build up five 3a accounts with 2-3 different providers. This will allow you to smooth out your lump-sum withdrawal over more than just six tax periods (age 60 to 65). You can also plan with your (future) partner so that your pension payouts are spread evenly over the years. In addition, you have minimized the risk of default because pillar 3a deposits are only privileged up to CHF 100,000 in the event of bankruptcy.   <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-732fbd4\" id=\"ab-welchen-betrag-soll-ich-ein-neues-3-a-konto-eroffnen\" data-block-id=\"732fbd4\"><h2 class=\"stk-block-heading__text\">From what amount should I open a new 3a account?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-430946b\" data-block-id=\"430946b\"><p class=\"stk-block-text__text\">It makes sense to have several accounts so that you break the tax progression later on when you withdraw. The idea is that you receive roughly the same amount of pension payments each year so that the annual tax burden in your canton is roughly the same. How large an account can or should be in order to get off &#8220;best&#8221; in tax terms depends on the progression of your canton of residence at the time of withdrawal.  <\/p><\/div>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">In cantons<strong> with high tax progression<\/strong> <strong>even for small capital payments <\/strong>, it makes sense to have as many accounts as possible. These include Appenzell-Innerrhoden, Aargau, Geneva, Lausanne, Lucerne, Solothurn and Schaffhausen. <\/li>\n\n\n\n<li data-block-type=\"core\">In cantons <strong>with strong tax progression from payouts of around CHF 50,000<\/strong>, several accounts make sense. These include Basel, Bern, Fribourg, Jura, Neuch\u00e2tel, Nidwalden, Schwyz and Zug. <\/li>\n\n\n\n<li data-block-type=\"core\">In cantons <strong>with little tax progression up to CHF 100,000<\/strong>, it also makes sense to have several accounts. These include: Appenzell-Ausserrhoden, Basel Landschaft, Glarus, Graub\u00fcnden, Obwalden, Uri, St. Gallen, Thurgau, Ticino, Valais and Zurich. <\/li>\n<\/ul>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-98e2366\" data-block-id=\"98e2366\"><p class=\"stk-block-text__text\">From our point of view, you are in a good tax position in all cantons with accounts that do not exceed CHF 50,000 at the time of withdrawal. After all, you don&#8217;t know today whether you will also withdraw your 3a account later in your current canton of residence? That&#8217;s why you should gradually build up five accounts in accordance with the pillar 3a five-account rule. And this is how you proceed:   <\/p><\/div>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">Either you build up a new account every year. You then pay into account 1 in year 1, account 2 in year 2, account 3 in year 3 and so on. In the 6th year, you pay into the smallest account again, which will usually be account 1. <\/li>\n\n\n\n<li data-block-type=\"core\">Or you can first save in an account for four or five years with the maximum pillar 3a amount (if possible) and then open a new account.<\/li>\n<\/ul>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-90db340 stk-block-background\" data-block-id=\"90db340\"><style>.stk-90db340 {background-color:#02b875 !important;}.stk-90db340:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-90db340-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-0a94501\" data-v=\"4\" data-block-id=\"0a94501\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-0a94501-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-0a94501-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-alle-5-jahre-ein-neues-saule-3a-konto-eroffnen\">Our tip: open a new pillar 3a account every 5 years<\/h3>\n\n\n\n<p class=\"has-white-color has-text-color\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Many people do not start pillar 3a until they are 30 or later. This leaves 30-35 years or (according to today&#8217;s maximum amount) around CHF 250,000 potential for 3a payments. If we assume that your 3a capital will grow by 6-7% per year from &#8220;today&#8221; until you retire with a 3a securities investment, it makes sense to open another account after 4 years of paying in the maximum amount (around CHF 28,000).  <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-438801c\" data-block-id=\"438801c\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-8178\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/21171400\/Smolio-Blog_Wie-viele-Saule-3a-Konten-sind-sinnvoll_horizontal-shot-of-roasted-buckwheat-in-sacks-and-2023-11-27-05-21-00-utc-1.webp\" width=\"1200\" height=\"800\" alt=\"How many pillar 3a accounts make sense?\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/21171400\/Smolio-Blog_Wie-viele-Saule-3a-Konten-sind-sinnvoll_horizontal-shot-of-roasted-buckwheat-in-sacks-and-2023-11-27-05-21-00-utc-1.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/21171400\/Smolio-Blog_Wie-viele-Saule-3a-Konten-sind-sinnvoll_horizontal-shot-of-roasted-buckwheat-in-sacks-and-2023-11-27-05-21-00-utc-1-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/21171400\/Smolio-Blog_Wie-viele-Saule-3a-Konten-sind-sinnvoll_horizontal-shot-of-roasted-buckwheat-in-sacks-and-2023-11-27-05-21-00-utc-1-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/21171400\/Smolio-Blog_Wie-viele-Saule-3a-Konten-sind-sinnvoll_horizontal-shot-of-roasted-buckwheat-in-sacks-and-2023-11-27-05-21-00-utc-1-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/21171400\/Smolio-Blog_Wie-viele-Saule-3a-Konten-sind-sinnvoll_horizontal-shot-of-roasted-buckwheat-in-sacks-and-2023-11-27-05-21-00-utc-1-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/21171400\/Smolio-Blog_Wie-viele-Saule-3a-Konten-sind-sinnvoll_horizontal-shot-of-roasted-buckwheat-in-sacks-and-2023-11-27-05-21-00-utc-1-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-abf700c\" id=\"wie-viele-saule-3-a-konten-kann-man-bei-derselben-bank-haben\" data-block-id=\"abf700c\"><h2 class=\"stk-block-heading__text\">How many pillar 3a accounts can you have with the same bank?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a0e3cb4\" data-block-id=\"a0e3cb4\"><p class=\"stk-block-text__text\">As many as you like &#8211; except in the Jura. This is because the people of the Jura accept a maximum of two 3a accounts per bank. You can easily meet this requirement by opening another pillar 3a account at another bank or with a digital 3a provider. Problem solved.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-ca00c86\" id=\"wie-viel-geld-auf-saule-3-a-konten-ist-sicher\" data-block-id=\"ca00c86\"><h2 class=\"stk-block-heading__text\">How much money is safe in pillar 3a accounts?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-1237920\" data-block-id=\"1237920\"><p class=\"stk-block-text__text\">Several 3a accounts with at least two providers also make sense from a risk perspective. This is because assets in pillar 3a accounts are not covered by deposit protection. In the event of bankruptcy, such assets are privileged up to CHF 100,000 per customer and pension foundation. The privileged status applies in addition to and independently of the individual pension fund member&#8217;s other assets at the bank (e.g. a savings account).   <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-53525df stk-block-background\" data-block-id=\"53525df\"><style>.stk-53525df {background-color:#02b875 !important;margin-bottom:40px !important;}.stk-53525df:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-53525df-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-375282a\" data-v=\"4\" data-block-id=\"375282a\"><style>.stk-375282a {padding-top:20px !important;padding-right:20px !important;padding-bottom:20px !important;padding-left:20px !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-375282a-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-375282a-inner-blocks\">\n<p class=\"has-white-color has-text-color\" data-block-type=\"core\">Related content<\/p>\n\n\n\n<div class=\"wp-block-stackable-posts stk-block-posts stk-block stk-86547d4 alignwide is-style-horizontal-2\" data-v=\"2\" data-block-id=\"86547d4\"><style>.stk-86547d4 {--stk-columns:1 !important;}.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:25% !important;}.stk-86547d4 .stk-img-wrapper{height:100% !important;}.stk-86547d4 .stk-block-posts__title a{color:#ffffff !important;}.stk-86547d4 .stk-block-posts__excerpt p{color:#ffffff !important;}.stk-86547d4 .stk-block-posts__readmore{color:#192483 !important;}@media screen and (max-width: 767px){.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:100% !important;}}<\/style><div class=\"stk-inner-blocks stk-content-align stk-86547d4-column alignwide\"><div class=\"stk-block-posts__items\"><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-86547d4-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-deposit-protection-money-safe-in-the-event-of-bank-bankruptcy\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/01152229\/Smolio-Blog_Saule-3a-Einlagensicherung.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"S\u00e4ule 3a Einlagensicherung Konkursprivileg S\u00e4ule 3a\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/01152229\/Smolio-Blog_Saule-3a-Einlagensicherung.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/01152229\/Smolio-Blog_Saule-3a-Einlagensicherung-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/01152229\/Smolio-Blog_Saule-3a-Einlagensicherung-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/01152229\/Smolio-Blog_Saule-3a-Einlagensicherung-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/01152229\/Smolio-Blog_Saule-3a-Einlagensicherung-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/01152229\/Smolio-Blog_Saule-3a-Einlagensicherung-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-deposit-protection-money-safe-in-the-event-of-bank-bankruptcy\/\">Pillar 3a deposit protection: money safe in the event of bank bankruptcy?<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>What about the security of pillar 3a in the event of a banking crisis?<br \/>\nAnd how secure is the vested benefits account?<br \/>\nIs there depositor protection for pillar 3a?<br \/>\nDiscover some surprising answers.   <\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-deposit-protection-money-safe-in-the-event-of-bank-bankruptcy\/\">Continue Reading<\/a><\/article><\/div><\/div><\/div><div class=\"stk-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-302a275\" id=\"zusammenfassung-wie-viele-3-a-konten-sind-sinnvoll\" data-block-id=\"302a275\"><h2 class=\"stk-block-heading__text\">Summary: How many 3a accounts make sense?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ea5ecc4\" id=\"zusammenfassung-wie-viele-saule-3-a-konten-sind-erlaubt-br-mehrere-saule-3-a-konten-lohnen-sich-wegen-der-progressiven-steuerbelastung-gemass-der-funf-kontenregel-der-saule-3-a-legst-du-funf-3-a-konten-bei-mindestens-zwei-verschiedenen-anbietern-an-nur-genf-und-zurich-begrenzen-dich-auf-maximal-3-konten-alle-anderen-steuerverwaltung-akzeptieren-beliebige-viele-3-a-konten-so-kannst-du-spater-das-angesparte-kapital-in-verschiedenen-steuerjahren-beziehen-und-damit-ganz-legal-progressive-steuern-vermeiden\" data-block-id=\"ea5ecc4\"><p class=\"stk-block-text__text\">Several pillar 3a accounts are worthwhile because of the progressive tax burden. According to the five-account rule for pillar 3a, you must set up five 3a accounts with at least two different providers. Only Geneva and Zug limit you to a maximum of three accounts, all other tax authorities accept any number of 3a accounts. This means you can later withdraw the capital you have saved in different tax years and thus legally avoid progressive taxes.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu&#x308;bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<ol class=\"wp-block-footnotes\" data-block-type=\"core\"><li id=\"316ecf18-87d3-47f2-a123-8bc3f40a2e36\"><a href=\"https:\/\/www.estv.admin.ch\/dam\/estv\/de\/dokumente\/dbst\/kreisschreiben\/2004\/1-018-DV-2008.pdf.download.pdf\/ESTV-Kreisschreiben-018-DV-2008-d.pdf\" target=\"_blank\" rel=\"noopener\">FTA circular no. 18<\/a> on the tax treatment of pillar 3a pension contributions   <a href=\"#316ecf18-87d3-47f2-a123-8bc3f40a2e36-link\" aria-label=\"Jump to footnote reference 1\">\u21a9\ufe0e<\/a><\/li><\/ol>","protected":false},"excerpt":{"rendered":"<p>How many pillar 3a accounts should I open? From what amount should I open a new pillar 3a account? And: how many pillar 3a accounts are allowed?   Can I have several pillar 3a accounts at the same bank? We hear these questions again and again. Discover the five-account rule for pillar 3a and how you can save tax effectively.<\/p>\n","protected":false},"author":8,"featured_media":6521,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"[{\"content\":\"<a href=\\\"https:\\\/\\\/www.estv.admin.ch\\\/dam\\\/estv\\\/de\\\/dokumente\\\/dbst\\\/kreisschreiben\\\/2004\\\/1-018-DV-2008.pdf.download.pdf\\\/ESTV-Kreisschreiben-018-DV-2008-d.pdf\\\">FTA circular no. 18<\\\/a> on the tax treatment of pillar 3a pension contributions  \",\"id\":\"316ecf18-87d3-47f2-a123-8bc3f40a2e36\"}]"},"categories":[2260,2176,2192],"tags":[2416,2262,2417],"class_list":{"0":"post-8612","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-invest-in-pillar-3a","8":"category-retirement-and-pension-planning","9":"category-save-taxes","10":"tag-pay-into-pillar-3a","11":"tag-pillar-3a","12":"tag-pillar-3a-accounts"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a.webp",1200,800,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-315x210.webp",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-800x533.webp",800,533,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-768x512.webp",768,512,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a.webp",1140,760,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a.webp",1200,800,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a.webp",1200,800,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-1140x694.webp",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-360x240.webp",360,240,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-400x267.webp",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>How many pillar 3a accounts should I open? From what amount should I open a new pillar 3a account? And: how many pillar 3a accounts are allowed?   Can I have several pillar 3a accounts at the same bank? We hear these questions again and again. Discover the five-account rule for pillar 3a and how you can save tax effectively.<\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/invest-in-pillar-3a\/\" rel=\"category tag\">Invest in pillar 3a<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/retirement-and-pension-planning\/\" rel=\"category tag\">Retirement and pension planning<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/save-taxes\/\" rel=\"category tag\">save taxes<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8612","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8612"}],"version-history":[{"count":5,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8612\/revisions"}],"predecessor-version":[{"id":10331,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8612\/revisions\/10331"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/6521"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8612"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8612"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8612"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}