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frankly. Pillar 3a. vs Lunar Uso e estatísticas
Pillar 3a made easy. With frankly, the digital pension solution – developed by Zürcher Kantonalbank.
You can open your pillar 3a 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 pillar 3a app free of charge now and get started. .
The frankly advantages:
It only takes a few minutes to open an account
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 pillar 3a, which is why you can carry out your 3a retirement planning 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. 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 the 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 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 0.45%) 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 0.45%. 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 0.45%). 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 0.45% 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 app, including pension calculator: www.frankly.ch
By the way, the frankly web version is now also available with the new frankly vested benefits product. Visit www.my.frankly.ch.
Sparen 3 pension foundation of Zürcher Kantonalbank
Bahnhofstrasse 9
8001 Zürich
Zürcher Kantonalbank Vested Benefits Foundation
Bahnhofstrasse 9
8001 Zurich
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Get an award-winning bank and enjoy high interest paid out monthly*. Turn daily spending into travel rewards with SAS EuroBonus Lunar. Stay within budget, add to your savings, and invest with ease. Saving and growing your money has never been simpler.
– Free bank account – apply directly in the app
– Get up to 1,50%* in interest regardless of amount
– Earn points with SAS EuroBonus Lunar and turn them into travel rewards.
– Both private accounts and business accounts
– 4.6 starts on Trustpilot
– 950,000 users already chose us
– Danish- and English-speaking support until 23:00 on weekdays and 17:00 on weekends.
*The interest rate depends on the plan you choose. Interest is variable, calculated annually, and paid out monthly. To be eligible to receive interest on your deposit, you must link your NemKonto to one of your Lunar accounts.
Lunar private Denmark
Free account and digital card
– Free account with no hidden fees
– Get the ultimate overview
– Budget and savings
– Notifications to help you stay on track
– Upgrade and get travel benefits, metal card, and more.
The smarter way to bank
Get the accounts and tools you need to manage your daily economy – no matter if you want an overview of your spending, to save up, invest or apply for a loan.
– Award-winning banking app with easy overview
– Set your budget with three swipes
– Save up each time you use your card
Get up to +1,50%* interest
– Paid every month
– You won’t tie up your money
– No limit on amounts with Lunar Plus and Unlimited.
*The interest rate depends on the plan you choose. Interest is variable, calculated annually, and paid out monthly. To be eligible to receive interest on your deposit, you must link your NemKonto to one of your Lunar accounts.
Turn daily spending into travel rewards with SAS EuroBonus
– Earn points when using your SAS EuroBonus Lunar card.
– Exchange your points for travel rewards worldwide.
– Choose between flights, hotels, exclusive products, and more.
– Get your card today and start earning points.
Simple and affordable investing for everyone
– Buy shares and invest in ETFs and index funds
– Easy investment platform
– Get started in minutes.
Investing involves risk.
A Danish bank where you can feel safe
– Nordic bank with a banking license
– Under the supervision of the Danish Financial Supervisory Authority
– Your money is covered by the Danish Guarantee Fund up to 100,000 EUR (approximately 750,000 DKK).
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Lunar Business
Denmark's cheapest business account* Designed for small businesses. Apply in minutes from your phone like 25,000 others.
* Based on Lunar Business Simple, which was included in a comparison of first-year spending on business accounts in a survey by Samlino (2024).
– Choose between 3 unique plans
– Automatic bookkeeping. Integrate with Dinero, Billy or e-conomic
– Cashflow overview
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– Add more admins to manage your money.
And much more
– RiskPoint cyber insurance and Tryg travel insurance
– Get a loan up to 1,000,000 DKK with Froda (Denmark only)
– Discount on a wide range of services for small businesses - including Dinero.
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Lunar private Sweden
– Easy digital banking – choose between our four plans
– Get 2.50% interest rate of up to 1,050,000 SEK*
– A simple overview
– Create your budget with ease
– Save smarter with Goals
– Multi currency card – switch between SEK, NOK, GBP and EUR (no fee withdrawals and transfers)
– Customer support, 7 days a week.
*Applies to a separate savings account available with paid packages. The interest is variable, calculated annually and paid out monthly.
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Lunar private Norway
– Easy digital banking – choose between our four plans
– A simple overview
– Create your budget with ease
– Save smarter with Goals
– Both personal and business accounts are available
– Customer support, 7 days a week.
Lunar Bank A/S, Hack Kampmanns Plads 10, DK-8000 Aarhus C.
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frankly. Pillar 3a. VS.
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31ezembro d, 2024