--- title: "Swiss Pension System & 3 Pillars" url: https://www.ibani.com/en/guides/cross-border-worker-pension-pillars lang: en date_modified: 2026-11-09 --- # Swiss Pension System & 3 Pillars Understand the Swiss retirement system. 1st pillar (OASI), 2nd pillar (LPP), and 3rd pillar: contributions and repatriation explained. ## Guides on this topic [![Widow's or old-age pension: the 30-day choice | ibani](https://www.ibani.com/images/rente-veuve-ou-vieillesse-courrier-13e-rente-30-jours.png)](https://www.ibani.com/en/guides/widows-pension-or-old-age-pension-13th-ahv-30-days) ### [Widow's or old-age pension: the 30-day choice | ibani](https://www.ibani.com/en/guides/widows-pension-or-old-age-pension-13th-ahv-30-days) Letter from your AVS fund: keep the widow's pension or switch to the old-age pension with the 13th pension. 12 versus 13 monthly payments, 30-day deadline. [Read article](https://www.ibani.com/en/guides/widows-pension-or-old-age-pension-13th-ahv-30-days) Updated on: 9 November 2026 [![Swiss 2nd pillar (OP) 2026: figures, pension and withdrawal](https://www.ibani.com/images/three-pillar-system-og-image.jpg)](https://www.ibani.com/en/guides/op-the-swiss-pension-fund-system) ### [Swiss 2nd pillar (OP) 2026: figures, pension and withdrawal](https://www.ibani.com/en/guides/op-the-swiss-pension-fund-system) Swiss pension 2026: entry threshold CHF 22,680, coordination deduction CHF 26,460, minimum rate 1.25%, conversion rate 6.8%. Pension or lump sum. [Read article](https://www.ibani.com/en/guides/op-the-swiss-pension-fund-system) Updated on: 6 November 2026 [![Swiss pension abroad: payment dates, currency and tax | ibani](https://www.ibani.com/images/percevoir-rente-suisse-etranger-devise.png)](https://www.ibani.com/en/guides/receive-swiss-pension-abroad-currency) ### [Swiss pension abroad: payment dates, currency and tax | ibani](https://www.ibani.com/en/guides/receive-swiss-pension-abroad-currency) AVS and LPP pensions paid outside Switzerland: payment dates, the 13th pension, currency by country, exchange costs, withholding tax and tax in your country. [Read article](https://www.ibani.com/en/guides/receive-swiss-pension-abroad-currency) Updated on: 3 November 2026 [![Pillar 3a for cross-border workers: deductible or not? | ibani](https://www.ibani.com/images/troisieme-pilier-3a-frontalier-deduction.png)](https://www.ibani.com/en/guides/pillar-3a-cross-border-worker-tax-deduction) ### [Pillar 3a for cross-border workers: deductible or not? | ibani](https://www.ibani.com/en/guides/pillar-3a-cross-border-worker-tax-deduction) Any cross-border worker can open a pillar 3a, but few can deduct it: the rule by country of residence, the 90% TOU test and how the withdrawal is taxed. [Read article](https://www.ibani.com/en/guides/pillar-3a-cross-border-worker-tax-deduction) Updated on: 11 October 2026 [![Life certificate: drawing your Swiss pension abroad | ibani](https://www.ibani.com/images/retraite-avs-maximale.jpg)](https://www.ibani.com/en/guides/life-certificate-swiss-pension-abroad) ### [Life certificate: drawing your Swiss pension abroad | ibani](https://www.ibani.com/en/guides/life-certificate-swiss-pension-abroad) Life and civil status certificate 2026: who still has to file it to keep drawing an AVS or LPP pension abroad, the 90-day deadline, exemptions and suspension. [Read article](https://www.ibani.com/en/guides/life-certificate-swiss-pension-abroad) Updated on: 30 September 2026 [![Swiss LPP (2nd Pillar): 2026 Simulator, Taxation & Withdrawal](https://www.ibani.com/images/ibani-lpp-suisse-retraite-large.jpg)](https://www.ibani.com/en/guides/swiss-lpp-2nd-pillar-simulator-withdrawal) ### [Swiss LPP (2nd Pillar): 2026 Simulator, Taxation & Withdrawal](https://www.ibani.com/en/guides/swiss-lpp-2nd-pillar-simulator-withdrawal) Swiss LPP (BVG): calculate your capital with our interactive simulator. Coordination deduction rules, WEF and cross-border withdrawal taxation. [Read article](https://www.ibani.com/en/guides/swiss-lpp-2nd-pillar-simulator-withdrawal) Updated on: 30 September 2026 [![2026 Expert Guide: The Swiss Three Pillars Retirement System](https://www.ibani.com/images/retraite-suisse-trois-piliers-b2b.jpg)](https://www.ibani.com/en/guides/the-swiss-three-pillars-system) ### [2026 Expert Guide: The Swiss Three Pillars Retirement System](https://www.ibani.com/en/guides/the-swiss-three-pillars-system) Discover OASI, Caisse de Pension (LPP), and 3rd pillar (3a) in Switzerland for 2026. Updated amounts, 13th AVS payment, and expert tax strategies. [Read article](https://www.ibani.com/en/guides/the-swiss-three-pillars-system) Updated on: 30 September 2026 [![Withdraw 2nd Pillar (BVG) to buy property abroad | ibani](https://www.ibani.com/images/lpp-achat-immobilier-etranger.png)](https://www.ibani.com/en/guides/withdraw-2nd-pillar-property-abroad) ### [Withdraw 2nd Pillar (BVG) to buy property abroad | ibani](https://www.ibani.com/en/guides/withdraw-2nd-pillar-property-abroad) Expert guide: using your Swiss 2nd pillar (BVG/LPP) to buy a house abroad. Conditions, international taxes, and optimizing the exchange rate. [Read article](https://www.ibani.com/en/guides/withdraw-2nd-pillar-property-abroad) Updated on: 30 September 2026 [![Maximum AHV Pension (2,520 CHF): The Guide for Future Retirees](https://www.ibani.com/images/retraite-avs-maximale.jpg)](https://www.ibani.com/en/guides/maximum-avs-pension) ### [Maximum AHV Pension (2,520 CHF): The Guide for Future Retirees](https://www.ibani.com/en/guides/maximum-avs-pension) Complete breakdown of the conditions (Scale 44, Average Annual Income, Splitting) to reach the AHV pension ceiling of 2,520 CHF and optimize its repatriation abroad. [Read article](https://www.ibani.com/en/guides/maximum-avs-pension) Updated on: 30 September 2026 [![Swiss Retirement Abroad (Portugal, Spain) | ibani](https://www.ibani.com/images/ibani-lpp-suisse-retraite-large.jpg)](https://www.ibani.com/en/guides/swiss-pension-expatriation-portugal-spain) ### [Swiss Retirement Abroad (Portugal, Spain) | ibani](https://www.ibani.com/en/guides/swiss-pension-expatriation-portugal-spain) 2026 guide: retiring in Portugal or Spain with a Swiss pension. Exporting your AVS and LPP, withholding tax, taxation, LAMal and converting CHF into EUR. [Read article](https://www.ibani.com/en/guides/swiss-pension-expatriation-portugal-spain) Updated on: 30 September 2026 [![Guide to OASI: Old Age and Survivors' Insurance in Switzerland](https://www.ibani.com/images/avs-illustration.jpg)](https://www.ibani.com/en/guides/oasi-old-age-and-survivor-insurance) ### [Guide to OASI: Old Age and Survivors' Insurance in Switzerland](https://www.ibani.com/en/guides/oasi-old-age-and-survivor-insurance) Everything you need to know about OASI: Understand how the first pillar of Swiss retirement works and its benefits. [Read article](https://www.ibani.com/en/guides/oasi-old-age-and-survivor-insurance) Updated on: 29 September 2026 [![Off work in Switzerland: who pays a cross-border worker | ibani](https://www.ibani.com/images/accident-invalidite-frontalier-suisse-laa-ai.png)](https://www.ibani.com/en/guides/accident-sick-leave-disability-cross-border-worker-switzerland) ### [Off work in Switzerland: who pays a cross-border worker | ibani](https://www.ibani.com/en/guides/accident-sick-leave-disability-cross-border-worker-switzerland) Accident, long sick leave, disability: what Swiss accident insurance, the employer, the IV and the pension fund pay a cross-border worker. 2026 figures. [Read article](https://www.ibani.com/en/guides/accident-sick-leave-disability-cross-border-worker-switzerland) Updated on: 21 September 2026 ## Your money in CHF, your spending in EUR Convert your Swiss francs to euros at the real market rate, plus a margin of 0.40% to 0.15% depending on the amount. [See the CHF → EUR rate](https://www.ibani.com/en/currency-converter/chf-to-eur-rate)