Can I have multiple 3a accounts?

Updated 3 weeks ago by Carina Wetzlhütter

In general, there is no limit on the number of pillar 3a accounts you can open.

However, it is recommended to open a maximum of 4 accounts.

The maximum of 4 is recommended, because you can start taking out your pension money 5 years before you retire. It’s smart to pay out only one pillar per year – because of taxes.

The way it works is that you have to pay taxes on the amount of your pillar 3a money that you withdraw . This varies from canton to canton, but it generally gets higher the more money you pay out. As these taxes apply per year, a split over 4 years makes sense.

One year is reserved for your pillar 2 payout. And if you split the withdrawal of your 3a accounts over the other 4 years, the money will definitely be taxed with a lower percentage. 🙌


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