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 to | Emigration 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 | Before 01.06.2007 | NO 1 | YES |
After 01.06.2007 | YES | Conditional (clarification of social security obligation required) 2 | |
Bulgaria, Romania | Before 01.06.2009 | NO 1 | Yes |
After 01.06.2009 | YES | Conditional (clarification of social security obligation required) 2 | |
Croatia | Before 01.01.2017 | NO 1 | YES |
After 01.01.2017 | YES | Conditional (clarification of social security obligation required) 2 | |
Not EU/EFTA state | - | NO 1 | YES |
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:
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.
Since 1 January 2021, Great Britain is no longer considered an EU member state. Even with the new social security agreement, applicable from 1 November 2021, between Switzerland and the United Kingdom, the cash payment of the entire vested benefits can be demanded.
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.
Please send us your details via the online form or send us the following documents:
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 link).
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.
Please send us your details via the online form or send us the following documents:
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 link).
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.
Please send us your details via the online form or send us the following documents:
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.
Please send us your details via the online form or send us the following documents:
We may need additional information and documents. We will contact you if this is the case.
You are sent an account statement automatically at the beginning of the year. However you would now like to order a statement mid-year.
Convenient and free of charge – we call you on the date and at the time requested to clarify the matter you wish to discuss.