With our findependent 3a voucher code «schwiizer3a» findependent manages the The first CHF 2,000 of your Pillar 3a account is free of charge, according to findependent, until retirement. Without a code, there is no exemption from fees for the findependent 3a scheme.
Here’s what the findependent 3a voucher code offers
| Advantage | The first CHF 2,000 of your 3a assets are fee-free |
| Value | At 0.29 %, fees of up to around CHF 5.80 per year; no one-off bonus |
| Duration | According to findependent, until retirement |
| Input | When registering in the app |
| Home | From your first deposit, which can be as little as CHF 1 |
| Per person | A code, either for Pillar 3a or for Invest |
The code isn’t a big welcome bonus, but a small, ongoing discount. It’s worth it because you only have to enter it once and it keeps working year after year.
In the app, the field is called «Invitation code». Some people also search for «findependent 3a» promotional code, promo code, referral code or recommendation code. They are all referring to the same code: ‘schwiizer3a’.
Redeem findependent 3a code
- Download the findependent app via our affiliate link down.
- Set your password. Immediately afterwards, the app will ask for an invitation code.
- Enter schwiizer3a . The app confirms the tax-free allowance of CHF 2,000 straight away.
- Select your investment focus and risk level, sign digitally and make your first deposit.
3a code or Invest code?
You can only enter one code per person on findependent. Choose the code for the product that is more important to you.
- Pillar 3a: Code «schwiizer3a» – the first CHF 2,000 are permanently fee-free.
- Invest (disposable assets): Code «schwiizerfranke», CHF 20 credit for deposits of CHF 500 or more. Find out more at findependent voucher code for Invest.
Are you already a findependent customer? In that case, you won’t be able to enter a new code. However, according to findependent, you can transfer your existing Invest tax-free allowance to Pillar 3a.
In addition: the transfer campaign
Regardless of our code, findependent is running a promotion to encourage people to switch: Anyone who transfers existing 3a savings by 28 February 2027 will pay no management fee until 30 June 2027, covering the entire 3a portfolio and applying to existing customers as well. You can find the exact terms and conditions at findpendent.
Here’s how to switch your existing 3a to findependent:
- Open findependent 3a in the app using the code schwiizer3a.
- Under Pillar 3a, tap «Deposit», then «Initiate transfer» and «Start transfer». Select your current pension fund and the account you wish to close.
- Sign the transfer form and post it to your current provider. findependent will post it to you free of charge on request.
With findependent, the transfer is free of charge. Your current provider may charge a fee for closing your account. A transfer can take a few weeks, so make sure you initiate it in good time.
Is Findependent 3a worth it?
findependent 3a costs 0.29 % per year, including fund fees, making it cheaper than finpension, VIAC and frankly. For US and Japanese shares, findependent uses IPF funds optimised for withholding tax. It does not yet have its own performance track record.
You can find the fees, all 15 strategies and our opening move in the findependent 3a Test. You can see all the providers side by side in the Pillar 3a comparison.
Frequently asked questions about the code
Is the findependent 3a code still valid?
Yes. We tested the code «schwiizer3a» ourselves in the app on 21 October 2026 when we first opened an account. The app immediately confirmed the tax-free allowance of CHF 2,000.
How much will I save with this code?
The first CHF 2,000 of your 3a assets are exempt from fees. At 0.29 %, this amounts to up to around CHF 5.80 per year, according to findependent, until retirement.
Where do I enter the code?
In the findependent app during registration, immediately after setting your password.
I’ve forgotten the code. Can I add it later?
Yes, via findependent’s support team. Get in touch shortly after making your first deposit, and findependent will add the code for you. There’s no set deadline, but you can’t leave it indefinitely.
Can I use both the 3a code and the Invest code?
No. Only one code is valid per person: either «schwiizer3a» for Pillar 3a or «schwiizerfranke» for Invest.
I’m already a findependent customer. Do I still get this benefit?
You can no longer enter a new code. However, according to findependent, you can transfer your existing Invest tax-free allowance to Pillar 3a.
Is there a better findependent 3a code?
As of October 2026, we have not found any code offering an allowance higher than CHF 2,000. Without a code, there is no exemption from fees for the findependent 3a.
* Transparency: If you open an account via our link or using our code, Schwiizerfranke receives a commission. You do not pay anything for this; instead, you benefit from it. No investment advice is provided.