Quick Answers

On the 23rd of each month, directly to your registered bank account in Switzerland, the EU, or an EFTA state.

Log in to the My Pension portal to review and update your address or bank details at any time.

An Einkauf is a voluntary buy-in to your pension fund that boosts your retirement benefits and can reduce your taxable income.

See the detailed reading guide in the My Pension portal, or download the annotated PDF for offline reference.

Your termination benefit (Freizügigkeitsleistung) is transferred to your new pension fund or vested benefits account.

On the first day of your ZKB employment if you meet the age and minimum salary thresholds.

Yes — you can choose between Standard, Medium and Budget savings variants once per year.

Your termination benefit moves with you to your new employer's pension fund or to a vested benefits account.

PKZKB will follow up directly with your previous fund. Provide their contact details when joining to speed up the process.

You can consolidate them into PKZKB on joining. Contact us with the account details to start the transfer.

The Zusatzvorsorge covers salary components above the basic plan ceiling, including bonuses and variable pay.

Yes — voluntary purchases are available up to your individual gap and are fully tax-deductible.

The accrued capital is transferred to your new pension fund or vested benefits account, just like the basic plan.

The board of trustees sets the interest rate annually based on actuarial assumptions and investment performance.

On the first day of employment, if you meet the age and salary thresholds.

Your contribution rate depends on your age — see the Rentenplan table for details.

Yes, you can boost your retirement savings with voluntary buy-ins.

PKZKB sends a transfer request to your previous pension fund on your behalf. The transfer typically completes within 30 days.

Your pension is transferred on the 23rd of each month to the bank account you have registered with PKZKB.

Please notify PKZKB immediately of your new address and bank details. Withholding tax rules may change depending on your country of residence.

You can update your bank details directly in the My Pension portal, or submit the bank change form by post. Changes must be received by the 10th of the month.

The Board of Trustees reviews cost-of-living adjustments annually. Adjustments are not guaranteed but have been granted in recent years where the fund's financial position allowed.

Yes. You will receive one annual statement for the standard PKZKB plan and a separate one for the Zusatzvorsorge. Both are available for download in your portal.

If your salary falls below the threshold permanently, you will exit the Zusatzvorsorge. Your accumulated capital is paid out as a vested benefit. Contact PKZKB for details specific to your situation.

This depends on the Reglement. The Zusatzvorsorge typically provides the benefit as a lump sum. Please contact PKZKB to discuss the options available to you.

Yes. A survivor's pension is payable to your spouse or registered partner. The amount is defined in the Reglement and depends on your insured salary and accumulated capital.

Please include your AHV number (or member ID), the topic of your enquiry, and the relevant date or document reference. This helps us answer faster.

We respond within two business days. Time-critical matters such as retirement applications are prioritised.

On the 23rd of each month, transferred directly to the bank account registered with PKZKB.

The Board of Trustees sets the interest rate annually, taking into account the fund's investment performance, coverage ratio, and the legal BVG minimum rate. The rate is applied to your savings capital at year-end.

Swiss pension law requires recovery measures if a fund falls into underfunding. These may include lower interest rates, recovery contributions, or reduced conversion rates. PKZKB currently has a healthy coverage ratio above 100%.

The full investment strategy document is available for download from the resources page. Contact us for additional information.

PKZKB excludes coal mining companies above a defined revenue threshold and applies ESG scoring across all mandates. Engagement with energy transition companies is preferred over blanket divestment.

Voting rights are exercised by external asset managers according to PKZKB's ESG and governance policy. A summary of voting activity is published in the annual report.

The ESG report is included in the annual report, available for download from the resources page. A standalone ESG Policy document is also available.