--- title: "Swiss Pension System" url: https://www.ibani.com/en/guides/personal-swiss-pension lang: en date_modified: 2026-10-22 --- # Swiss Pension System Optimize your retirement in Switzerland. Everything about contributions, vested benefits, and capital repatriation. ## Guides on this topic [![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: 22 October 2026 [![Tax on 2nd pillar capital withdrawals: rates by canton 2026](https://www.ibani.com/images/imposition-capital-2e-pilier-baremes.png)](https://www.ibani.com/en/guides/pension-capital-withdrawal-tax-by-canton) ### [Tax on 2nd pillar capital withdrawals: rates by canton 2026](https://www.ibani.com/en/guides/pension-capital-withdrawal-tax-by-canton) LPP lump sum withdrawal: 5.7% to 9.6% tax on CHF 500,000 in 15 cantonal capitals. 2026 rates, the effect of staggering and the case of non-residents. [Read article](https://www.ibani.com/en/guides/pension-capital-withdrawal-tax-by-canton) Updated on: 15 October 2026 [![LPP buy-in 2026: worth it or not? How to calculate it | ibani](https://www.ibani.com/images/rachat-lpp-rentabilite-calcul.png)](https://www.ibani.com/en/guides/lpp-buy-in-worth-it-calculation) ### [LPP buy-in 2026: worth it or not? How to calculate it | ibani](https://www.ibani.com/en/guides/lpp-buy-in-worth-it-calculation) Tax saving, investment period, tax on the lump sum: the formula for valuing a 2nd pillar buy-in, the three-year lock-in and the 31 December deadline. [Read article](https://www.ibani.com/en/guides/lpp-buy-in-worth-it-calculation) Updated on: 15 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 ## 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)