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Vested benefits account

The secure solution for your occupational pension assets.

Attractive interest rates and no account management fees

Keep your pension fund assets safe while remaining flexible – with the vested benefits account.

Ideal when changing jobs, taking a career break, becoming self-employed or staying abroad: with Vorsento, you can manage your vested benefits easily online and keep track of your pension assets at all times.

Open account

By clicking on "Open account", you agree to the privacy policy and confirm the legal information. You will be redirected to the Tellco Vorsento website.

Your benefits with the vested benefits account

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Attractive interest rate with the account solution

You can currently benefit from 0.25% interest p.a. on your vested benefits assets.

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No account management fees

Account opening, account management and balancing are free of charge.

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Simple digital management

With Vorsento you can view your assets, retrieve documents, manage deposits and keep an eye on your pension provision digitally.

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Remain flexible

Ideal during career breaks, stays abroad, when you have a high need for security or are planning a payout in the near future. For a longer investment horizon, a securities solution may offer additional return opportunities.

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Optimise your tax situation

With up to two vested benefits accounts, you can plan capital withdrawals in stages (splitting). Thanks to the foundation’s registered office in the canton of Schwyz, you also benefit from low withholding tax when withdrawing capital.

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Personal advice

Our pension specialists advise you personally in German, French, Italian or English – by phone, video call or on site.

Kontoeröffnung

Account opening

Open your vested benefits account directly online – in just a few steps and without paperwork.

Aprite un conto

By clicking on "Open account", you agree to the data privacy statement and confirm the legal notices. You will be redirected to the Tellco Vorsento website.

When do you need a vested benefits account?

Time out

If you spend a prolonged period abroad, take a sabbatical or parental leave or continue your professional development.

Change of job

If you change career or jobs with an interruption of more than six months, as well as if you become unemployed.

Emigrate

If you move abroad, you can invest your capital in a vested benefits account or benefit from attractive tax advantages in the canton of Schwyz.

Early retirement

If you decide to leave the workforce before the standard retirement age.

Self-employment

If you stop working in an employment relationship and take up self-employment.

Divorce

If you and your spouse divorce – depending on the situation, you will need a vested benefits solution.

Calculating withholding tax on emigration

Are you planning to emigrate and withdraw pension assets from Switzerland? Calculate the applicable withholding tax – depending on the canton of your pension foundation.

Costs and conditions

Interest rate p.a.

0.65%

Account opening

Free

Account management

Free

Account closing

Free

Number of accounts

Up to 2

You can find out more in the Fees and Charges Policy

Your contacts

Michael Frei-Otero
Michael Frei-Otero Head of 3a Pensions & Vested Benefits
Sandra Gomes
Sandra Gomes Client Advisor of 3a Pensions & Vested Benefits

Contact or callback

Do you have any questions, or would you like to schedule a no-obligation consultation? Our specialists will be happy to help you.

Contact us

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