frankly. Pillar 3a.

Zürcher Kantonalbank

Download the pillar 3a app free of charge now and get started.

About this app

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.

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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 0.44%) 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 0.44%. 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 0.44%). 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 0.44% 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

Sparen 3 pension foundation of Zürcher Kantonalbank
Bahnhofstrasse 9
8001 Zürich

Zürcher Kantonalbank Vested Benefits Foundation
Bahnhofstrasse 9
8001 Zurich

Ratings and reviews

Simple app, does what it says on the tin. Two remarks. One major, one minor. Major: since switching to my new phone (pixel 4a 5G to Pixel 8) the app doesn't log in anymore. Can still login with same credentials on old phone - so that is not the issue. App gives no feedback on wrong password even if it is wrong. Looks as if it doesn't even send credentials anymore. Reinstalling did not help. Minor: the app does not save credentials or does not have fingerprint log in for ease of use.

Great app with low fees. A bit disappointing that the 'digital onboarding' requires you to print out the transfer request (even when transferring from ZKB). Also, in a time where most requests and money transactions are almost instant (see Twint and Revolut), the process of transferring money and buying securities feels ancient and takes several days. I know this is a restriction of the Swisscanto funds but c'mon ZKB, you can do better :)

Very simple to use and it works as designed

What's new

Stabilization and various bug fixes.