Cash payout due to emigration


You are leaving Switzerland permanently and would like to withdraw some or all of your capital?

If you leave Switzerland permanently, you can withdraw all or part of your vested benefits (the non-obligatory component). The following table is a simple aid to help you find out if you can withdraw the full amount or only a part of your capital. 

Example: 

If you emigrated to Germany after 1.6.2007, you can request to have the non-obligatory component paid out to you. However, the obligatory component can only be paid out under certain conditions (if you are not contributing to German pension insurance).

List of EU and EFTA states
Emigration toEmigration date
B) Withdrawal of non-obligatory component possible?A) Withdrawal of full vested benefits amount possible?
Austria, Belgium, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and the UK.Before 01.06.2007
NO 1YES
After 01.06.2007YESConditional (clarification of social security obligation required) 2
Bulgaria, Romania
Before 01.06.2009
NO 1Yes
After 01.06.2009
YESConditional (clarification of social security obligation required) 2
CroatiaBefore 01.01.2017
NO 1YES
After 01.01.2017
YESConditional (clarification of social security obligation required) 2
Not EU/EFTA state-NO 1YES


1 If withdrawal of the full amount is permitted, it is not possible solely to withdraw the non-obligatory component. 

2 Clarification of social security obligation: If you have emigrated to an EU/EFTA state and are not subject to the social security obligation in that state (e.g. if you make no contributions to the local pension system), you may be able to withdraw the full amount. The Security Fund (liaison body) is responsible for this clarification and we require appropriate confirmation: 

  • Confirmation from the LOB Guarantee Fund that you are not subject to the social security obligation in the state to which you have emigrated (see link).

Please note: The Principality of Liechtenstein has the same occupational pension provisions as Switzerland and therefore does not count as a foreign state in this context.

Next steps


We need a number of documents from you in order to make a cash payout. The documents we need depend on your account balance at the time of payout. 

A) In these cases you can withdraw all your vested benefits: 

Please select the case below that applies to you.

My vested benefits have a value less than CHF 20'000.00.

In this case, please send us the following documents:

  • Signed and completed form Cash payout of entire vested benefits due to relocation abroad < CHF 20'000.00
  • Copy of your OASI (AHV/AVS) card
  • Copy of your identity card or passport
  • If you are married or in a registered partnership: copy of your spouse’s/partner’s identity card or passport
  • If you are married or in a registered partnership: copy of your marriage certificate/partnership certificate
  • If you are divorced or your partnership has been dissolved: copy of the complete, legal divorce decree/decree dissolving your partnership
  • Copy of the confirmation of de-registration from your last municipality of residence in Switzerland or cancellation of your cross-border commuter permit
  • Original of your current confirmation of place of residence

Depending on the circumstances (see table above) we also require the following documentation:

Confirmation from the Guarantee Fund that you are not subject to social insurance obligations in the destination country (see Partners).

We may need additional information and documents. We will contact you if this is the case.

My vested benefits have a value greater than CHF 20'000.00. 

In this case, please send us the following documents:

  • Completed form Cash payout of entire vested benefits due to relocation abroad > CHF 20'000.00 with certification of signature(s) (notary, municipality)
  • Copy of your OASI (AHV/AVS) card
  • If you are married or in a registered partnership: copy of your marriage certificate / partnership certificate
  • If you are divorced or your partnership has been dissolved: copy of the complete, legal divorce decree / decree dissolving your partnership and current certificate of civil status
  • If you are single or widowed: current certificate of civil status
  • Copy of the confirmation of de-registration from your last municipality of residence in Switzerland or copy of the cancellation of your cross-border commuter permit
  • Original of your current confirmation of place of residence

Depending on the circumstances (see table above) we also require the following documentation:

Confirmation from the Guarantee fund that you are not subject to social insurance obligations in the destination country (see Partners).

We may need additional information and documents. We will contact you if this is the case.

B) In this case you cannot withdraw all your vested benefits, only the non-compulsory portion: 

Please select the case below that applies to you.

My vested benefits have a value less than CHF 20'000.00.

In this case, please send us the following documents:

  • Signed and completed form Cash payout of non-compulsory benefits due to relocation abroad < CHF 20'000.00
  • Copy of your OASI (AHV/AHS) card
  • Copy of your identity card or passport
  • If you are married or in a registered partnership: copy of your spouse’s/partner’s identity card or passport
  • If you are married or in a registered partnership: copy of your marriage certificate/partnership certificate
  • If you are divorced or your partnership has been dissolved: copy of the complete, legal divorce decree/decree dissolving your partnership
  • Copy of the confirmation of de-registration from your last municipality of residence in Switzerland or cancellation of your cross-border commuter permit
  • Original of your current confirmation of place of residence

We may need additional information and documents. We will contact you if this is the case.

My vested benefits have a value greater than CHF 20'000.00. 

In this case, please send us the following documents:

  • Completed form Cash payout of non-compulsory vested benefits due to relocation abroad > CHF 20'000.00 with notarised signature(s) (notary, municipality)
  • Copy of your OASI (AHV/AVS) card
  • If you are married or in a registered partnership: copy of your marriage certificate / partnership certificate
  • If you are divorced or your partnership has been dissolved: copy of the complete, legal divorce decree / decree dissolving your partnership and current certificate of civil status
  • If you are single or widowed: current certificate of civil status
  • Copy of the confirmation of de-registration from your last municipality of residence in Switzerland or cancellation of your cross-border commuter permit
  • Original of your current confirmation of place of residence

We may need additional information and documents. We will contact you if this is the case.

Important information


  • We are obliged to report payments over CHF 5'000.00 to the tax authorities under the regulations.
  • If you have your residence abroad, source tax will be deducted on payments of CHF 1'000.00 or more.
  • If the social security obligation is to be clarified, we can only process your dossier further once a positive decision has been issued.

Links


Account statement

You are sent an account statement automatically at the beginning of the year. However you would now like to order a statement mid-year.

Contact


Stiftung Auffangeinrichtung BVG
Vested benefits accounts
8050 Zurich