# frankly. Pillar 3a — Saving for old age > Digital pillar 3a and vested benefits account for Swiss residents. (iPhone/iPad app by Zuercher Kantonalbank.) - Source: https://appshunter.io/ios/app/frankly-pillar-3a/id1498903386 (this page in markdown: same URL + `.md`) - Developer: [Zuercher Kantonalbank](https://appshunter.io/developer/428937858) - Category: Finance - Price: Free - Rating: 4.53/5 from 15 App Store ratings · 9 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 120 MB - Languages: English, French, German - Released: 2020-03-18 - Data updated: 2026-06-15 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/frankly-pillar-3a/id1498903386/reviews.md ## What is frankly. Pillar 3a? 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 ## Key features - Digital pillar 3a and vested benefits account - Open account in minutes - Cash strategy option - Tax savings benefits - Selectable investment products - Free transfer service - Cost-effective all-in fee ## Recent user reviews (9 of 9) All indexed reviews: https://appshunter.io/ios/app/frankly-pillar-3a/id1498903386/reviews.md ### 4/5 — Missing biometrical authentication *2024-11-26, version 3.0.1* Can you please add Face ID login? All financial apps have it ### 4/5 — Good app, but the UX can be improved *2024-11-20* The design of the graph can be bit confusing (misleading) and there is a lack of detailed information (breaking down of the values). I can also imagine that a person lacking financial literacy can struggle in understanding terminology/ products. ### 5/5 — Clear and user-friendly app *2024-10-09, version 2.7.0* The app interface is simple and clear. Access to more information on investment options is also straightforward. Smooth user experience overall. ### 1/5 — App lädt nicht iPhone 12pro / 17.5.1 *2024-07-11, version 2.5.0* Beim öffnen der App wird kurz das Logo angezeigt und anschließend stürzt sie ab. ### 5/5 — sehr gutes Produkt - sehr gute App *2023-12-15, version 2.3.2* Produkt (innerhalb der Schweizer Vorsorge 3a) ist topp und so auch die App. Danke, das macht wirklich Spaß mit Euch! ### 1/5 — Warum App nicht als Desktopzugang. *2022-11-11, version 1.9.0* Im Grunde finde ich die App ok, aber dass die App nicht auf dem Desktop läuft und es keinen Browserzugang als Alternative gibt, finde ich sehr sehr mühsam. Daher ein Stern. ### 1/5 — Keine US Bürger erwünscht *2021-01-07, version 1.3.0* selbst wenn man schon seit vielen Jahren Kunde bei dieser Bank ist & alles ordentlich deklariert. voll des no-go, am liebsten gleich alles kündigen... ### 5/5 — Facile, rapide et simple. Je suis bluffé. *2020-12-31* D’une facilité déconcertante ! Je recommande sans hésiter. Et merci. ### 1/5 — FaceId fehlt *2020-11-26, version 1.3.0* Leider kein FaceID ## Frequently asked questions about frankly. Pillar 3a ### How secure is frankly. Pillar 3a? frankly. is developed by Zürcher Kantonalbank, a reputable Swiss bank, suggesting a high level of security. While specific security measures are not detailed, financial apps from established institutions typically employ robust encryption and security protocols to protect user data and funds. ### Can I use frankly. Pillar 3a outside of Switzerland? No, frankly. is exclusively aimed at Swiss residents. The app is designed to comply with Swiss pension regulations and tax laws, making it unsuitable for individuals residing in other countries. ### What are the costs associated with frankly. Pillar 3a? frankly. has a cost-effective all-in fee of 0.43% on account assets, which covers securities custody and administrative fees. There are no securities custody fees or flat-rate administrative fees separate from this. Issue and redemption charges may apply for investment products. ### Does frankly. Pillar 3a have ads? Yes, frankly. Pillar 3a contains advertisements. As an ad-supported application, users may encounter promotional content within the app. ### How often is frankly. Pillar 3a updated? The latest version of frankly. Pillar 3a is 3.2.2, and it was last updated on March 19, 2026. This indicates a recent update, suggesting the app is actively maintained and improved by the developer. ### What investment options are available with frankly. Pillar 3a? You can choose between a cash strategy with no price risk or invest in securities to potentially benefit from higher returns. frankly. allows you to select your investment products based on your desired risk tolerance. ### Can I transfer my existing pillar 3a account to frankly. Pillar 3a? Yes, frankly. offers an easy and free transfer service for existing pillar 3a or vested benefits solutions. They will cover your transaction fees and account closing costs when transferring from bank foundations. ### What is the minimum deposit for frankly. Pillar 3a? There is no minimum deposit required to open a pillar 3a account with frankly. You can deposit as little as CHF 1 and decide yourself how much you want to contribute, with no minimum term either. ## Version history (last 5 releases) ### 3.3.0 — 2026-06-14 Various technical improvements. ### 3.2.2 — 2026-03-19 Minor bug fixes and technical improvements. ### 3.2.1 — 2025-12-10 Minor improvements and bugfixes ### 3.2.0 — 2025-11-23 Minor improvements and bugfixes ### 3.1.2 — 2025-06-27 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. ## Apps similar to frankly. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-15.*