Finpension
Finpension is a Swiss digital wealth and pension platform (Lucerne-headquartered, FINMA-licensed since 2024) offering Pillar 3a, vested benefits, 1e corporate pension plans, and free-asset investing to Swiss individuals and corporations through a self-service mobile and web app, managing CHF 5B+ AUM for 60,000+ retail customers and 600+ corporate clients.
- Company typePrivate
- Founded2016
- HeadquartersLucerne, Switzerland
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Finpension does
Finpension AG is a Swiss digital wealth and pension platform founded in 2016 and headquartered in Lucerne, with a regional office in Geneva serving the Romandie market. It operates a fully self-service mobile and web application (the fp-App) through which Swiss individuals and corporations can open and manage Pillar 3a accounts, vested benefits accounts, 1e corporate pension plans, and a free-asset investment product called finpension Invest. The company holds a FINMA license as a securities firm (granted in March 2024), is a direct participant in Swiss Interbank Clearing (since January 2025), and operates four proprietary Swiss pension foundations. As of early 2026 it manages over CHF 5 billion in assets for more than 60,000 retail customers and 600+ corporate 1e clients including ABB, Breitling, On, Sunrise, and the University Hospitals of Geneva.
The platform is built entirely in-house on proprietary technology featuring a dedicated IBAN per portfolio, automated weekly rebalancing, fully digital onboarding via IDnow identity verification, and access to institutional funds from Credit Suisse, Swisscanto, and UBS. Multi-portfolio configurability (up to 10 in Invest, 5 in 3a and vested benefits, and 1 in 1e) supports customer customization across equity, bond, real-estate, commodity, and crypto exposures. The company differentiates on four pillars: lowest-cost pricing (0.39% all-in for Pillar 3a; market-lowest total cost for 1e), bank independence enabled by the FINMA license, in-house agile IT, and a transparent flat-fee structure with free e-tax statements.
Finpension generates revenue primarily through recurring asset-management fees on the CHF 5B AUM base, supplemented by per-insured-person fees on 1e corporate mandates and modest interest income on 100% cash accounts (launched October 2024). GTM motion is fully self-serve PLG: free account opening, a referral program offering CHF 25 fee credits to both parties, and content marketing via a financial-education blog. The company has been profitable since 2019, is entirely self-financed with no external capital, and reports equity capital of CHF 20.4 million as of 2024.
Finpension firmographics
Firmographics- Name
- Finpension
- Legal name
- finpension AG
- Website
- https://finpension.ch
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Finpension is a Swiss digital wealth and pension platform (Lucerne-headquartered, FINMA-licensed since 2024) offering Pillar 3a, vested benefits, 1e corporate pension plans, and free-asset investing to Swiss individuals and corporations through a self-service mobile and web app, managing CHF 5B+ AUM for 60,000+ retail customers and 600+ corporate clients.
- Ownership category
- akta.pro rank
Finpension industry classification
Industry- Product category
- Digital Pension and Wealth Management
- NAICS
- Pension Funds (525110), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI)
- akta.pro secondary industry
- Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)
Keywords
Where Finpension is headquartered
LocationHeadquarters
- HQ city
- Lucerne
- HQ country
- Switzerland
- HQ region
- Europe
Offices2 records
Markets served
Finpension business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Asset Management Fees (All-in Fee): Finpension charges a flat all-in fee on assets under management across its Pillar 3a, vested benefits, and investment solutions. This is the primary revenue driver and the basis of its price-leadership positioning.
- 1e Pension Plan Management Fees: Revenue from managing 1e collective pension foundations on behalf of employer companies. finpension serves more than 600 companies with over 7,000 insured persons, charging fees per insured person and/or assets under management.
- Cash Account Interest: Since October 2024, finpension offers 100% cash accounts for Pillar 3a and vested benefits. Interest rates are linked to the Swiss National Bank benchmark rate. Interest income from cash holdings contributes to revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Quarterly | Pillar 3a: 0.39% all-in fee plus VAT |
| Subscription | Quarterly | Vested Benefits: 0.49% all-in fee |
| Subscription | Annual | 1e Pension Plan: lowest total cost in market |
| Subscription | Quarterly | Invest (free assets): fee details available in app |
| Subscription | One time | Referral Program: CHF 25 credit for both parties |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels8 records
Finpension product offering
Product offeringCore offering
Finpension is a Swiss owner-managed digital financial services provider that operates a unified mobile and web platform (fp-App) for retirement and investment products. It offers Pillar 3a retirement savings accounts, Vested Benefits (Freizügigkeit) accounts for transferred pension assets, 1e corporate collective pension plans, and finpension Invest for free, non-pension-linked assets including ETF savings plans and private equity access from CHF 1.
Product overview
finpension is a Swiss digital financial services provider offering a unified platform for pension and investment products. The core offering spans four product lines: (1) finpension Invest — an investment solution for free, non-pension-linked assets with ETF savings plans and private equity access; (2) Pillar 3a — a tax-advantaged retirement savings account and securities investment, available as a value securities portfolio or 100% cash account; (3) Vested Benefits — accounts and custody solutions for transferred pension assets when changing employers, including the second foundation enabling account splitting; and (4) 1e Plans — a collective foundation for companies' over-obligatory BVG assets, where finpension is the Swiss market leader. All products are managed through the finpension App — a single digital platform providing consolidated wealth dashboards, automated rebalancing, strategy customization, and performance reporting. The company operates its own pension foundations (finpension 3a Pension Foundation, finpension Vested Benefits Foundation, finpension Vested Benefits Foundation II, and finpension 1e Collective Foundation) and holds a FINMA license as a securities house, enabling direct customer account management without a third-party bank intermediary.
Differentiator
Problem solved
Functional benefit
Products and services
- Pillar 3a Account A tax-advantaged Swiss retirement savings account that allows Swiss residents to save for retirement through deductible contributions. Offered as either a value securities investment (0.39% all-in fee plus VAT) or a 100% cash account, accessible via the fp-App with digital onboarding and individual IBAN assignment.
- Vested Benefits Account A vested benefits (Freizügigkeit) account that holds pension fund assets when changing employers, allowing customers to keep retirement savings invested in securities or hold as 100% cash rather than transferring to a new employer's pension plan. Available with account splitting across two foundations (Freizügigkeitsstiftung II).
- 1e Pension Plan A 1e occupational pension plan for Swiss companies offering individual investment choice for over-obligatory BVG assets. finpension serves as the collective foundation administrator, serving over 600 companies and 7,000 insured persons including ABB, Breitling, DER Touristik, Landis & Gyr, Leonteq, HUG, On Running, and Sunrise.
- finpension Invest An investment solution for free, non-pension-linked assets that enables customers to invest freely available wealth through ETF savings plans, diversified portfolios, private equity access from CHF 1, and time-based annuity withdrawal plans. Customers can manage up to 10 portfolios, each with an individual IBAN.
Quantifiable outcome
- Lowest total costs in 1e pension plans in Switzerland; most expensive competitor is 257% more expensive (2021 comparison)
- +4 more outcomes
Companies that use Finpension
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
Finpension technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
AI capability4 records
Feature5 records
Finpension partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- UBScoreUBS provides institutional fund access to finpension customers, enabling selection of UBS funds across Pillar 3a, vested benefits, and 1e pension solutions. UBS joined as a third fund house option alongside Credit Suisse and Swisscanto, expanding customer choice.
- SwisscantocoreSwisscanto is one of three institutional fund providers available on finpension's platform. Customers can invest their Pillar 3a, vested benefits, or 1e assets through Swisscanto's fee-free funds. Swisscanto was the first non-Credit Suisse fund access provider and also serves as the second institutional fund access strengthening finpension's independence.
- Credit SuissecoreCredit Suisse serves as one of three institutional fund providers accessible through finpension's Pillar 3a, vested benefits, and 1e pension platforms. Customers can select Credit Suisse funds for implementing their investment strategies. Credit Suisse joined as a fund access provider alongside Swisscanto and UBS.
- IDnow (Intrum)coreIDnow (operated by Intrum) provides the online identity verification service used during finpension's account opening process. Customers verify their identity with an ID card or passport entirely digitally via IDnow's video identification technology.
- GEMINI 1e Sammelstiftungminorfinpension acquired the GEMINI 1e collective pension foundation effective January 1, 2025. GEMINI had approximately 220 insured persons and CHF 45 million in assets. The acquisition demonstrates finpension's strong positioning in the 1e market and consolidates its market leadership.
Scale indicators8 records
Recent moves11 records
Expansion highlights6 records
Finpension competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights7 records
Customer concentration
Finpension social profiles
Digital presenceFinpension compliance and trust
Trust signalCompliance3 records
Finpension financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finpension leadership team
Management profileNumber of profiles
Profiles1 record
Finpension funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finpension M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finpension
What does Finpension do?
Finpension is a Swiss owner-managed digital financial services provider that operates a unified mobile and web platform (fp-App) for retirement and investment products. It offers Pillar 3a retirement savings accounts, Vested Benefits (Freizügigkeit) accounts for transferred pension assets, 1e corporate collective pension plans, and finpension Invest for free, non-pension-linked assets including ETF savings plans and private equity access from CHF 1.
Is Finpension a public or private company?
Finpension is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Finpension founded?
Finpension was founded in 2016. It employs 11 to 50 people.
Where is Finpension based?
Finpension is headquartered in Lucerne, Switzerland, in the Europe region.
How does Finpension make money?
Three revenue lines are on record. Asset Management Fees (All-in Fee) is the primary driver. The others are 1e Pension Plan Management Fees and cash Account Interest.
Does Finpension have an API?
No public API is recorded for Finpension.
What industry is Finpension in?
Finpension's product category is Digital Pension and Wealth Management. Its primary akta.pro industry code is FSAGADAI, Retirement Planning & Long-Term Financial Planning Tools, with a secondary code of FSAAAGAB, Pension Master Trusts, Superannuation & Provident Funds. Its NAICS code is 525110 and its SIC code is 6199.