1. March 2022

frankly – Your digital pillar 3a

neon always wants to make sure you have the best possible product. There is a huge demand for different features and we’re not able to meet every need ourselves. That’s why we work with partners. These partners need to align with our philosophy, and (above all else) they also need to benefit you by meeting these very needs. For this to work, our partners have to be affordable, digital and always on the hunt for world-changing products. In this blog, we’ll be introducing you to our hand-picked partners – who knows, you might even find something that’s up your street. 

Note: our partnership with frankly is a paid cooperation. This article was updated on 14.11.2023 as we have extended the offer. 

Our partner frankly makes your pillar 3a child’s play. Here, we’ll give you a quick intro to frankly and show you what makes it so great. We also have a fantastic deal for you, so you can get started with frankly right away.

What is frankly?

How does it work?

How much does it cost?

The deal


As of 1 July 2023, frankly will no longer charge an all-in fee on account balances (cash), meaning that from this date onwards, frankly users will no longer pay any fees for funds that are not invested in securities.

In addition, frankly's interest rates will be increased as of 1 October 2023. The new interest rate for frankly pillar 3a is 0.80% (previously 0.50%) and 0.40% (previously 0.15%) for frankly vested benefits accounts.

Because frankly exceeded the threshold of 2.5 billion CHF in client assets under management in January 2024, the all-in fee has been reduced to 0.44% (valid as of billing in April).

What is frankly?

frankly is a digital pillar 3a, developed by Zürcher Kantonalbank. It’s a digital-only product: you open your frankly pillar 3a via their app or online, without having to mess around with bits of paper or going to the bank. The app and website also boasts a simple, clear design. In other words, it’s very similar to neon.

How does it work?

Like with neon, it takes just a couple of minutes to open your frankly pillar 3a in their app or on their website. So, just download the app or visit and get started! There’s no minimum investment with frankly, so you can kick things off with just a single franc. Once you’ve deposited your money, managing your pillar 3a in the app or on the web version is a doddle. You’ll always be able to see how your investment product is getting on, and you can always invest or sell more, of course. All the important information and documents can be found in the app or at

What products does frankly invest in?

frankly is perfect for people who want to invest in securities. You get to pick between nine top-quality Swisscanto investment products, and it’s up to you (and your strategy) to decide how much risk you want to take. frankly will also give you tips on how to make the right investment decisions. And, by the way, its active investment products all follow a responsible approach, reducing CO2 emissions or pursuing social objectives, for example. In addition to the existing «Responsible» products from Swisscanto by Zürcher Kantonalbank, frankly now also offers the «Sustainable» product line, which fulfils further sustainability criteria. 

You can find information on the «Sustainable» investment funds here and the factsheets for the «Sustainable» products here: Fund Info | Swisscanto

How much does it cost?

frankly’s prices won’t burn a hole in your pocket, either: with frankly, you’ll pay 60% less for securities-based saving than with compared providers, as confirmed by They charge an all-in fee, currently set at 0.44%. Plus, frankly follows a community discount model. In other words, the more people who have a frankly account, the cheaper this fee is.

But I’ve already got a pillar 3a account!

That’s no problem, either! You can easily transfer your account to frankly within the app or online in just four steps. frankly will cover your transfer costs, any charges for selling your securities, plus the account closure fees (for accounts held with banking foundations). 

By the way: frankly has developed a new comparison calculator that allows you to easily compare the costs of your current pillar 3a and frankly's. This way you can see exactly how much you are saving.    

The deal

When you use the code «NEON2024» to open an account by December 31st, 2024, you’ll get 35 CHF off the fees.

And an additional exclusive offer for neon customers: Within 90 days of opening your frankly account, transfer at least 1'000 CHF from your neon account with the subject «neon frankly» and get 25 CHF on your neon account within the following 6 weeks.

This deal is valid for new frankly customers who open their first account within 48 hours. The code cannot be combined with other voucher codes.

Off to frankly!

We’ll also earn a bit of money from this deal, as we do with all our partners.

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