If you leave Switzerland or become self-employed, you have the option of withdrawing money from your pension fund. Read more about the exact conditions here.

Withdrawing insured persons are entitled to their vested benefits. As these are pension-linked, they are transferred to the new pension fund or to a vested benefits account. In the following cases, the law allows a cash payment.

Leaving the Swiss/Liechtenstein Economic Area

You are leaving the Swiss/Liechtenstein economic area permanently. Depending on the country of departure, there are different provisions regarding cash withdrawal of the vested benefits.

1. Departure to an EU/EFTA country

The supplementary part of the vested benefits can be received in cash. For the payout, we need the details of your bank or postal account.
The statutory part of the vested benefits (retirement assets in accordance with the BVG) remains in Switzerland. We ask you to inform us of a vested benefits institution of your choice for this part of the vested benefits.
Special arrangement: If you are not subject to compulsory social security obligations in the new country of residence, you can subsequently demand the cash payment of the statutory vested benefits from the vested benefits institution. The form required can be found on the website of the LOB Guarantee Fund (sfbvg.ch/en).

2. Departure to a third country
If you settle outside the EU/EFTA and are not compulsorily insured within the EU/EFTA, you can receive the entire vested benefits in cash. For the payout, we need the details of your bank or postal account.

Taking up self-employment

Are you starting a self-employed activity and are no longer subject to compulsory insurance in accordance with the BVG? Then you can demand the payment of your vested benefits. Please submit the “Questionnaire on cash payment of termination benefits when starting freelance work” to us.