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- frankly. Pillar 3a Vs. Alpian Bank
frankly. Pillar 3a vs Alpian Bank Usage & Stats
Pillar 3a made easy. With frankly, the digital pension solution – developed by Zürcher Kantonalbank.
You can open your pillar 3a or vested benefits account quickly and conveniently without visiting the bank either via the app or via your computer or tablet. You can now also select a cash strategy with no price risk.
frankly, the new retirement planning app from the Savings 3 Pension Foundation of Zürcher Kantonalbank, is aimed exclusively at Swiss residents.
Download the vested benefits and pillar 3a app free of charge now and get started.
The frankly advantages:
• Open an account in just a few minutes
All you need is a smartphone and an ID card, and you’re ready to start. Of course, we’ll help you every step of the way. By the way, it’s also easy to use frankly via your computer or tablet.
• Clear & simple – fully digital
We are completely rethinking the retirement planning, which is why you can carry out your 3a retirement planning and vested benefits directly in the frankly app and check your account performance at any time.
• Deposit as little as CHF 1
You decide yourself how much you want to deposit in your pillar 3a account. There is no minimum deposit and no minimum term.
• You save taxes
With every franc you pay into your pillar 3a retirement savings plan, you reduce your taxable income (up to t he maximum amount) and therefore save on taxes! This means you benefit twice over.
• Investment products selected by you
The ultimate goal is to build up your assets. You decide with your strategy how much risk you want to take. No matter whether you want to save in cash with no price risk or invest in securities while taking advantage of potential returns, there's something for everyone.
• Easy to switch
Do you already have a pillar 3a or vested benefits solution? We offer you an easy, free transfer service. We pay your transaction fees and account closing costs (applies to the transfer of pillar 3a accounts from bank foundations).
• frankly is cost-effective
frankly also doesn’t charge any all-in fee (the current all-in-fee is 0.43%) on your account assets.
With frankly, you can expect no securities custody fees and no flat-rate administrative fees for the investment product; they are included in the current all-in-fee of 0.43%. Saving securities with frankly is half the price of comparable offers. Please note that issue and redemption charges apply in favour of the fund for the indexed investment products in particular and these are not included in the all-in fee (current all-in-fee is 0.43%). You can find an exact definition of the all-in fee in the FAQs.
• Our community discount
The greater the number of customers who use frankly, the cheaper the all-in fee of currently 0.43% becomes for everyone. frankly will become even cheaper with more users. Planning your private pension like this is fun.
• Our community discount
The greater the number of customers who use frankly, the cheaper the all-in fee of currently 0.43% becomes for everyone. frankly will become even cheaper with more users. Planning your private pension like this is fun.
• Security and experience
frankly was developed by Zürcher Kantonalbank for its pension foundation.
Further information on the pillar 3a and vested benefits app, including pension calculator: www.frankly.ch
Sparen 3 pension foundation of Zürcher Kantonalbank
Bahnhofstrasse 9
8001 Zürich
Zürcher Kantonalbank Vested Benefits Foundation
Bahnhofstrasse 9
8001 Zurich
Zürcher Kantonalbank Vested Benefits Foundation II
Bahnhofstrasse 9
8001 Zurich
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Bank, save, and invest, all in one app
Get a Swiss IBAN with multi-currency access, receive your salary, save your CHF, invest from CHF 2’000, prepare for retirement with Pillar 3a, and enjoy exclusive benefits with the Signature Plan.
Everyday banking
Open your account for free in just a few minutes. Enjoy a Swiss IBAN and a multi-currency account in CHF, EUR, USD, and GBP, all in one place. Send and receive money, pay your bills via QR code or eBill, and use your physical or virtual card with Apple Pay or Google Pay.
Savings account
Grow your money with a flexible savings account in CHF. Deposit and withdraw anytime without penalties, and enjoy interest credited monthly.
Investing for everyone
Start from CHF 2’000 and access strategies usually reserved for private banking, tailored to your profile and supported by a financial advisor on demand. Choose between advisory or discretionary mandates.
Pillar 3a
Prepare for your future with the Alpian Pillar 3a powered by lemania-pension and invested fully in BlackRock funds, it combines tax savings with long-term growth.
Unlock Signature
Unlock exclusive banking and lifestyle benefits, plus a sleek metal debit card. Designed for those who expect more.
Advice on demand
Our financial advisors are here to assist you in English, German, French, and Italian.
Who can open an account?
Swiss tax residents aged 18+ with a valid ID. Non-Swiss citizens need a valid B or C residence permit. Activate your account with a deposit of your choice.
About Alpian Bank
Alpian is a Swiss digital bank, founded in Geneva in 2019 and licensed by the Swiss Financial Market Supervisory Authority (FINMA) since 2022. Part of the Intesa Sanpaolo Group, one of Europe’s leading banking groups, Alpian combines Swiss banking security with modern technology. Our mission is to make everyday banking and investing seamless, transparent, and accessible — all in one app.
Learn more at alpian.com
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January 12, 2026