Repatriation of second and third savings pillars

Repatriate savings from outside Switzerland

Cross border employees in Switzerland may repatriate part of their 2nd or 3rd pillar of their pensions or savings. The second pillar, also called an occupational pension, has the potential to represent a significant sum in Swiss francs (perhaps, tens to hundreds of thousands of Swiss francs or even more). The third pillar, which is the so-called voluntary insurance (the cross border employee has the option of whether or not to purchase this product) may also be a significant amount in Swiss francs.

In both cases, any cross border worker who wishes to use the Swiss francs that make up his fund, to make a purchase in euros (perhaps, for example, to purchase a house) given the amounts involved, will find it advantageous, to reduce his costs to the maximum and find the best exchange rate of a currency: this is precisely what b-Sharpe offers, with its competitive foreign exchange rates.

The repatriation of the 2nd pillar when one is a cross border employee

On reaching retirement age and wishing to purchase his principal residence or to start a small business, a cross border employee may decide to withdraw his 2nd pillar of capital. This capital withdrawal generally involves significant amounts, sometimes up to several hundred thousand Swiss francs, according to the nature cross border employee’s pension fund. In rare cases, for those commuters who have had the highest wages and the best pension funds, the amount can even exceed one million Swiss francs.

When withdrawing the 2nd pillar capital, a commuter will benefit from using a service like b-Sharpe, which will allow him to reduce to a minimumthe exchange fees, and benefit from an exchange rate that is much more competitive than that offered by a traditional bank in Switzerland or in France.

Reduce the exchange charges for the repatriation of a third pillar fund

There are many forms of third pillar funds: the 3rd pillar A and 3rd pillar B. A third pillar is a supplement to the pension, the amount is expressed in Swiss francs, which can be withdrawn as capital under the same conditions as the 2nd pillar.

A third pillar B works more as a life insurance contract, and depending on the type of contract selected, allows the insured to receive income (in case of death, for example), but also an amount in capital.

Whatever type of third pillar fund that a cross border employee has, he may decide to benefit from the minimum exchange costs and best exchange rates when he wishes to convert it into euros.

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Examples of exchange fees for second and third pillars

  • Exchange of CHF 50,000.- into euros: You will receive on average 382 euros more than with traditional services (banks or bureaux de change)
  • Exchange of CHF 300’000.- into euros: You will receive an average of over 1,000 euros more than with a traditional service (bank or bureaux de change)

How to benefit from b-Sharpe’s favourable terms?

  1. Sign up! Registration for b-Sharpe is free and is not binding
  2. After confirmation of your file, you will receive an IBAN that you can send to your insurance company or pension fund
  3. The funds in Swiss francs will then be transferred to b-Sharpe, which will then make a currency exchange into euros
  4. b-Sharpe will then transfer the funds to the bank account of your choice

Calculate your savings!

Use the simulator to calculate what you can save on the repatriation of your pension

Simulate and calculate the savings you can make on the exchange of your 2nd pillar fund with b-Sharpe

Rapatriement 2ème pilier suisse
I want to change ...
I will get :
b-Sharpe rate: ...
You gain ... EUR
High street bankWith b-Sharpe
You receive:
You receive:
*Rates updated in real time (last update: 24/08/2019 5:25)

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An overall winning & trustworthy service with savings on (i) Money - I cannot find a better all-in FX rate! and (ii) Time - I moved from physically withdrawing & changing @Migros bank over w/e's to online (e-banking + email) with b-Sharpe. In addition you gain on better decision making - you choose anytime when and how much to change. the b-Sharpe team turns it around in 24h and I'm informed exactly what rate was applied. I see the transfers on my a/c within a further 24h!
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B-Sharpe provide a unrivalled platform and service within their industry. The level of service and professionalism that I have experienced first hand is a testament to the dedication of the company to service their clients needs. The process regarding all transactions is smooth and swift and I can only offer my highest recommendation for this team.
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