neon completes its financial offering and launches integrated pillar 3a
Oct 24, 2025
Swiss finance app neon is bringing pension provision where it belongs: into the pockets of its more than 240’000 users. With the new, fully integrated pillar 3a, neon simplifies access to private pension provision and complements its existing range of accounts and investment plans. Set up in minutes, users benefit from simple investment strategies with flexible additional options and a very attractive fee model – directly in the existing app. The offer will be available from the end of November.
«Pension provision must be simple, transparent and affordable in order to finally reach more users in Switzerland – and that's exactly what we're taking to a new level. With neon pillar 3a, we're taking the complexity out of the issue and making private pension provision even more accessible. Our users can now easily decide how and where they want to make affordable provisions for their retirement.»
– Jörg Sandrock, CEO neon Switzerland AG
neon 3a pension provision offers convenience and individuality at an affordable price
The neon pillar 3a is fully integrated into the neon ecosystem. neon customers set up their pension account in less than five minutes. Thanks to a simple risk analysis, they can choose one of five investment strategies – from defensive (25% equity) to offensive (100%). Up to five portfolios can then be invested broadly or flexibly, depending on preferences, in Swiss equities, sustainability, or both.
The pricing model is on a par with the cheapest offers from specialised 3a providers in the market. neon remains true to its principle of fair pricing: the fee model is clearly graded between 0.45% and 0.39%, depending on individual 3a assets. Particularly attractive: the fee decreases as the balance increases, individually for each user, and not on a flat-rate based on the total volume of the platform.
Implemented in collaboration with strong partners
The neon 3a product is implemented and professionally managed in collaboration with renowned partners, including Lienhardt & Partner Privatbank, Descartes as technology partner, the simply3a pension fund and Swisscanto Funds.
«Building your own 3a stacks is a thing of the past. As with AI, you rely on existing, scalable technology and refine it for your own case. That's exactly what our «pension as a service» is – ready to use, cost-efficient and radically customer-centric. neon brought this live in six months.»
– Rino Borini, Chairman of the Board of Directors, Descartes Finance AG
«Down-to-earthness and modesty are central to everything we do. When the unthinkable becomes reality, stability becomes even more important in building trust. It is a great pleasure for us to be a reliable and predictable partner for neon.»
– Duri Prader, CEO Lienhardt & Partner Privatbank
Holistic financial management with neon
Compared to many other solutions, neon impresses with its full cost transparency, ease of use and freedom of choice. The pillar 3a is fully integrated into the existing neon app. This means that pension provision is not a separate expense, but part of holistic financial management – account, card, savings, investments and now also pension provision in a single, seamless app.
This addition makes neon the complete financial app for anyone who wants to manage their financial provision confidently, easily and transparently – without the need for financial expertise, but with a complete overview and control.
About neon
neon offers a simple, user-friendly and secure account and investment solution as a smartphone app. Currently, over 240’000 customers use neon accounts. These are managed by neon's partner Hypothekarbank Lenzburg AG and thus offer Swiss deposit protection up to 100’000 CHF. Behind neon is an experienced team consisting of Jörg Sandrock, Simon Youssef, Julius Kirscheneder and Patric Ammann, as well as more than 60 employees. |
About Descartes
Descartes Finance is a leading B2B partner in the field of pension provision, offering innovative digital solutions for pillar 3a and vested benefits accounts that enable financial institutions and partners to provide efficient and scalable customer service.
About Lienhardt & Partner Private Bank
Serving your assets. Since 1868. Lienhardt & Partner Private Bank Zurich Ltd. is an independent and extremely well-financed bank that is excellently positioned thanks to its broad-based and locally anchored business in the areas of private banking, real estate and pensions.
