frankly. Pillar 3a3.4.0

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

Version History Various technical improvements. 3.4.0 Aug 24 Various technical improvements. 3.3.0 Jun 14 Minor bug fixes and technical improvements. 3.2.2 Mar 19 Minor improvements and bugfixes 3.2.1 12/10/2025 Minor improvements and bugfixes 3.2.0 11/23/2025 frankly has a new look and is now closer to the blue colours of ZKB. Dark mode is also supported. Transactions can now also be concluded with ZKB's second vested benefits foundation. In addition, bugs have been fixed and small improvements made. 3.1.2 06/27/2025 frankly has a new look and is now closer to the blue colours of ZKB. Dark mode is also supported. Transactions can now also be concluded with ZKB's second vested benefits foundation. In addition, bugs have been fixed and small improvements made. 3.1.0 06/15/2025 Minor bugfixes 3.0.3 02/13/2025 The frankly app appears in a refreshed design. You can now also manage your vested benefits account via the app. 3.0.2 11/28/2024 The frankly app appears in a refreshed design. You can now also manage your vested benefits account via the app. 3.0.1 11/17/2024 Stabilization and various bug fixes. 2.7.0 09/19/2024 With frankly, you can now also choose a strictly sustainable strategy for active investment products from Swisscanto. You do not wish to invest in securities? With the new "Cash without risk" strategy, you benefit from a preferential interest rate and do not pay an all-in-fee. In addition, various minor changes have been made to optimise the app. 2.5.0 04/23/2024 With frankly, you can now also choose a strictly sustainable strategy for active investment products from Swisscanto. You do not wish to invest in securities? With the new "Cash without risk" strategy, you benefit from a preferential interest rate and do not pay an all-in-fee. In addition, various minor changes have been made to optimise the app. 2.4.0 03/27/2024 With frankly, you can now also choose a strictly sustainable strategy for active investment products from Swisscanto. You do not wish to invest in securities? With the new "Cash without risk" strategy, you benefit from a preferential interest rate and do not pay an all-in-fee. In addition, various minor changes have been made to optimise the app. 2.3.2 12/14/2023 With frankly, you can now also choose a strictly sustainable strategy for active investment products from Swisscanto. You do not wish to invest in securities? With the new "Cash without risk" strategy, you benefit from a preferential interest rate and do not pay an all-in-fee. In addition, various minor changes have been made to optimise the app. 2.3.1 12/11/2023 With frankly, you can now also choose a strictly sustainable strategy for active investment products from Swisscanto. You do not wish to invest in securities? With the new "Cash without risk" strategy, you benefit from a preferential interest rate and do not pay an all-in-fee. In addition, various minor changes have been made to optimise the app. 2.3.0 11/19/2023 Good news: From now on, our web version (computer or tablet) will provide you access on your frankly vested benefits accounts - including investments in securities.

In addition, there is no all-in fee on your account assets as of 1 July 2023. 2.2.3 08/14/2023 Good news: From now on, our web version (computer or tablet) will provide you access on your frankly vested benefits accounts - including investments in securities.

In addition, there is no all-in fee on your account assets as of 1 July 2023. 2.2.2 08/03/2023 Good news: From now on, our web version (computer or tablet) will provide you access on your frankly vested benefits accounts - including investments in securities.

In addition, there is no all-in fee on your account assets as of 1 July 2023. 2.2.1 07/24/2023 Good news: From now on, our web version (computer or tablet) will provide you access on your frankly vested benefits accounts - including investments in securities.
In addition, there is no all-in fee on your account assets as of 1 July 2023. 2.2.0 06/11/2023 Stabilization and various bug fixes.
You can now use frankly with your computer and tablet as well - visit www.frankly.ch for further information. 2.1.0 03/18/2023 Stabilization and various bug fixes 2.0.0 11/19/2022 Stabilization and various bug fixes 1.9.0 06/12/2022 We worked hard on visualizing asset development, so that you can easily keep track of your frankly pillar 3a. Also, we have further improved notification settings. Now, you can stay updated on account activity or securities orders. 1.8.3 04/21/2022 We worked hard on visualizing asset development, so that you can easily keep track of your frankly pillar 3a. 1.8.1 04/04/2022