EPARGNE 3 ACCOUNT

Safeguard your standard of living after retirement

Calculate your tax savings

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What are your advantages?

Plan your retirement
The option to invest your 3rd pillar
Significant tax savings
Possibility to free up your assets for a real estate project

* legal mentions

Conditions of eligibility :

Offer valid until 31 December 2024.
This offer is reserved exclusively for clients who do not yet have a BCGE 3rd pillar account.
An initial contribution of CHF 300 is required to take advantage of this offer. It must be made before 15 January 2025. This offer is limited to the first 600 Epargne 3 accounts opened and the first 200 pension fund savings plans opened.
The CHF 30 bonus is not accumulative, even if several accounts are opened. The bonus amount will be credited automatically in February 2025 if the offer conditions are met.
The bonus amount does not qualify for the annual tax-deductible amount and will therefore not be shown on the respective form for 2025.
The Bank reserves the right to refuse to open an account.

Frequent questions

What conditions must be met for me to receive a bonus on my savings?

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From the moment you open a BCGE Epargne account, you can earn 0.25% to 2% additional interest on your savings thanks to the following bonuses:

+0.5% interest on your savings: +0.25% if you make a net deposit into your BCGE Epargne account during the calendar year and an additional 0.25% interest if you hold an Epargne 3 account (minimum value CHF 10,000) or a minimum of 100 Synchrony fund units (CH). The eligible Synchrony funds are :
- Synchrony (CH) Guardian (CHF) N° de valeur: 39875014
- Synchrony (CH) Defensive (CHF) N° de valeur: 1822141
- Synchrony (CH) Balanced (CHF) N° de valeur: 277239
- Synchrony (CH) Balanced (EUR) N° de valeur: 2482999
- Synchrony (CH) Dynamic (CHF) N° de valeur: 4262988
- Synchrony (CH) World Equity (CHF) N° de valeur: 4263004
+0.5% interest on your savings: if you hold at least 40 BCGE shares;
+0.5% interest on your savings: if you hold a Best of management mandate (minimum value CHF 50,000);
+0.5% interest on your savings: if you hold a BCGE real estate mortgage loan (minimum value CHF 200,000).

I hold an Epargne 3 account worth more than CHF 10,000 or more than 100 Synchrony fund units but I have not made a net deposit into my BCGE Epargne account: will I receive my bonus?

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No, to receive the bonus granted to holders of an Epargne 3 account or Synchrony fund units, you must always make a net deposit of CHF 1 into your BCGE Epargne account. This means that your annual net inflows are higher than your net outflows by at least CHF 1 (excluding interest and bonus payments as at 31 December). The minimum deposit must be made before 26 December each year.

Does the date of subscription to the various Avantage service conditions influence the payment of my bonus?

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Yes. Subscription to an Epargne 3 account, Synchrony fund units, BCGE shares, a Best of management mandate and a mortgage loan must be made before 29 June of the current year in order to qualify for the bonus.

I hold two Epargne 3 accounts, both of which have a balance of CHF 5,000 each. Am I entitled to a bonus?

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No. To receive a bonus, the Epargne 3 account must have a balance of at least CHF 10,000. A one-time transfer is sufficient.

Quelles sont les plafonds sur lesquels la rémunération du bonus d’intérêt est calculé ?

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The basis of calculation is the cumulative total of the account balances and is capped as follows:

if one bonus is granted, the maximum limit for calculating the remuneration is CHF 15,000 in total;
if two bonuses are granted, the maximum limit for calculating the remuneration is CHF 30,000 in total;
if three bonuses are granted, the maximum limit for calculating the remuneration is CHF 150,000 in total;
if four bonuses are granted, the maximum limit for calculating the remuneration is CHF 300 000 in total.