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SwissNRI · Taxes made easy
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CH Coming early 2027

Pillar 3a

Swiss private retirement savings, set up and reviewed annually alongside your tax return.

Delivered with our trusted specialist partners

What Pillar 3a is

Switzerland’s tax-advantaged private retirement scheme. Contributions (up to CHF 7,258 in 2025 for employees, higher for self-employed) are fully deductible from federal and cantonal income tax. The single biggest lever most NRIs have on their Swiss tax bill.

A Zürich family on CHF 180,000 cuts roughly CHF 2,000 in year one. The invested amount grows tax-free until withdrawal.

Why we partner for this

Pillar 3a needs a licensed Swiss provider. We don’t take referral fees. Instead, we work with a small set of vetted providers (bank-backed and independent) and introduce you to the one whose fees, funds, and NRI-friendliness fit.

You hold the direct relationship. We stay in the loop so the contribution lands on your Swiss tax return.

Who it’s for

  • Employed NRIs on B, C, or L permits with taxable Swiss income.
  • Self-employed NRIs (up to 20% of net income, capped at CHF 36,288 in 2025).
  • Anyone staying 5+ years, or planning a Swiss property purchase (Pillar 3a can fund the down payment).

How it works when we launch

  1. Fit call — Swiss timeline, income, goals.
  2. Partner match — 1-2 vetted providers with a fee / fund / flexibility comparison.
  3. Setup — you open directly with the provider.
  4. Tax coordination — contribution certificate flows into your Swiss filing.

Notify us at info@swissnri.com to get the launch email.

Why set it up with us, not the alternatives.

What we do differently, and where we honestly aren't the cheapest.

  • vs. your Swiss bank's Pillar 3a account

    The default account earns near-zero interest and skips the market. We select a provider whose fund choice, TER, and fee structure fit your Swiss timeline — not the bank's cross-sell targets.

  • vs. going direct to a broker

    Direct works if you already know exactly what to pick. Our review coordinates the contribution with your Swiss tax return each year, so the deduction actually lands where it should.

  • vs. skipping Pillar 3a entirely

    For a typical NRI household in Switzerland, missing the full contribution is worth CHF 2,000+ in tax each year. Over a five-year Swiss stint that is a small car you didn't have to give up.

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