It makes sense to have multiple 3a accounts so you can withdraw your pension capital in stages and also save on taxes depending on your canton.
A rule of thumb: if you have saved around CHF 50 000 in a 3a retirement account, it makes sense to open an additional account. Please note that any amounts you have already deposited cannot later be distributed among several retirement savings accounts.
If you’re already our client, you don’t even need to visit a branch – you can open a retirement savings account yourself in E-Banking. Pillar 3a retirement savings accountMore about multiple retirement accounts