ZKB Vorsorge 3a

ZKB holds 3a money either in a savings account or in fund mandates covering equity shares between 25 and 95 percent. Customers with a long investment horizon benefit from the fund option, while those who prefer certainty go with the account.

When buying owner-occupied property, ZKB allows an early withdrawal of the 3a balance. The application is submitted at a branch or through e-banking. Customers with a ZKB mortgage benefit from having the same institution as lender and pension provider, so the process runs without interface problems between two different companies.