Tellco

What Tellco does

Tellco is a privately held Swiss financial services group headquartered in Schwyz, operating through six wholly-owned entities: the occupational pension foundation Tellco pk (offering three plan tiers: PRO, PULSE and INDIVIDUA), the Pillar 3a foundation Tellco Vorsorge 3a, the vested-benefits foundation Tellco Freizügigkeitsstiftung, the investment foundation Tellco Anlagestiftung, the regulated bank Tellco Bank AG, and the real estate subsidiary Tellco Immobilien AG. The legal parent is Tellco AG (CHE-109.489.961), and the group employs 101-250 people across offices in Schwyz, Zurich, Lausanne, Lugano, Rheinfelden and Baar.

The technology stack centres on a set of role-specific digital platforms layered over the financial product set: Tellco Vorsento for private clients and distribution partners managing Pillar 3a and vested benefits accounts; ePlix for employees accessing occupational pension certificates and buy-in options; iTellco for employer HR-side administration of entries, exits, salary changes and status reports; and eAbsence for absence and illness case workflows. These platforms are positioned as self-service portals complementing a regional human advisor network rather than fully automated product engines, and no AI/ML, public API, or developer-facing SDK is exposed in the disclosed material.

Revenue is generated through recurring management and administration fees on occupational pension mandates, Pillar 3a and vested-benefits accounts, asset management and investment-foundation mandates under Tellco Bank AG, financing margin (residential property, investment property, SME and Lombard loans), private banking fees, and real estate services spanning acquisition, development, marketing, asset management and property management. Pricing is quote-based rather than list-published and contracts run on multi-year terms. The customer base spans Swiss employers and employees (BVG mandates), individual savers (Pillar 3a / vested benefits), distribution partners (brokers, financial advisors), institutional investors (pension funds, insurance companies, foundations), and real estate investors. The firm carries a sustainability positioning anchored by a 90% ESG-compliant investment book, CHF 150 million committed to decarbonisation projects as of end-2024, and a Swiss Climate Alliance Good Practice label received in 2024.

Name

Tellco

Legal name

Tellco AG

Website

https://tellco.ch

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Tellco is a privately held Swiss financial services group offering occupational pension (BVG), Pillar 3a, vested-benefits, banking, financing, and real estate services through integrated subsidiaries and a regional advisory network across Switzerland.

Ownership category

akta.pro rank

Headquarters

HQ city

Schwyz

HQ country

Switzerland

HQ region

Europe

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Supply Chain, Infrastructure

Revenue model

1. Pension Fund Management: Management fees from occupational pension (BVG) solutions including Tellco pk PRO, PULSE, and INDIVIDUA products for employers and employees
2. Private Pension (Pillar 3a): Third pillar pension account management and investment services through Tellco Vorsorge 3a foundation
3. Banking Services: Private banking, institutional banking, asset management, custodian bank, and financing services (residential property, investment properties, SME loans, Lombard loans)
4. Investment Funds: Management of investment funds and investment foundation services for institutional clients
5. Real Estate Services: Property development, acquisition, marketing, asset management, and property management services through Tellco Real Estate Ltd
6. Vested Benefits Account: Free pension account management through Tellco Freizügigkeitsstiftung for occupational pension transfers

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Tellco is a Swiss financial services group that delivers occupational pension (BVG) solutions to employers and employees, private pension solutions (Pillar 3a and vested benefits accounts) for individuals, banking services including institutional banking, private banking, and financing, plus real estate acquisition, development, and management services through its wholly-owned subsidiaries.

Product overview

Tellco is a Swiss financial services group offering a comprehensive, multi-brand portfolio of pension, banking, and real estate solutions. The core offerings include: (1) Tellco pk – the occupational pension foundation with three solution tiers (Tellco pk PRO, Tellco pk PULSE, and Tellco pk INDIVIDUA) for employers and employees; (2) Private Vorsorge – private pension solutions including Pillar 3a accounts (Säule 3a) and vested benefits accounts (Freizügigkeitskonto), managed through the Tellco Vorsento digital platform; (3) Tellco Bank AG – a full-service bank offering institutional banking (asset management, investment funds, Tellco Investment Foundation, custodian services), private banking, financing solutions (residential property, investment properties, SME loans, Lombard loans), and account solutions; and (4) Tellco Immobilien AG – real estate services for property management, development, and marketing. Supporting digital platforms include ePlix (employee portal), iTellco (employer portal), and eAbsence (absence management). Subscription services provide factsheets and market overviews. The company serves private clients, employers, and institutional investors across Switzerland.

Differentiator

Problem solved

Functional benefit

Brands

• Tellco pk PRO: Occupational pension solution for employers and employees.
• Tellco pk PULSE
• Tellco pk INDIVIDUA
• Tellco Vorsento
• ePlix
• iTellco
• eAbsence

Products and services

• Tellco pk (Occupational Pension Foundation) Swiss BVG-compliant occupational pension foundation offering pension fund management for employers and employees, with three tailored solution tiers.
• Tellco pk PRO Pension solution tier under Tellco pk designed for employers with specific occupational pension needs.
• Tellco pk PULSE Pension solution tier under Tellco pk designed for specific employer requirements.
• Tellco pk INDIVIDUA Pension solution tier under Tellco pk offering individualized occupational pension solutions for employers and employees.
• Pillar 3a (Säule 3a) Tax-advantaged Swiss third-pillar retirement savings account for individuals, managed by Tellco Vorsorge 3a Foundation.
• Vested Benefits Account (Freizügigkeitskonto) Free pension account for preserving occupational pension assets when changing employers, managed by Tellco Freizügigkeitsstiftung.
• Tellco Vorsento Digital platform for private clients and distribution partners to manage Pillar 3a and vested benefits accounts, investments, and payments.
• ePlix Digital platform for employees to access occupational pension solutions including pension certificates and voluntary buy-in options.
• iTellco Digital platform for employers to manage entries, exits, salary changes, and status reports for occupational pensions online.
• eAbsence Digital platform for employers to manage employee absences and processes related to workplace accidents and illness.
• Tellco Bank AG Institutional Banking Banking services for institutional clients including asset management, investment funds, Tellco Investment Foundation, and custodian bank services.
• Asset Management Professional asset management services for institutional investors offered through Tellco Bank AG.
• Investment Funds (Anlagefonds) Investment fund products offered to investors through Tellco's institutional banking platform.
• Tellco Anlagestiftung (Investment Foundation) Swiss investment foundation offering investment group products tailored for institutional investors.
• Custodian Bank Services (Depotbank) Custodian bank services for secure asset custody provided through Tellco Bank AG.
• Private Banking Banking services tailored for high-net-worth private clients, offered through Tellco Bank AG.
• Financing Solutions (Finanzierungen) Financing solutions including residential property loans, investment property loans, SME loans, and Lombard loans offered by Tellco Bank AG.
• Account Solutions (Kontolösungen) Account solutions including capital deposit accounts (Kapitaleinzahlungskonto) and rental deposit accounts (Mietkautionskonto) offered by Tellco Bank AG.
• Tellco Immobilien AG Real Estate Services Real estate services including property management, development, acquisition, and marketing for private and institutional investors in Switzerland, managing 139 properties with 2,670 residential units and CHF 1.75 billion in market value as of 30.06.2025.

Quantifiable outcome

• 90% ESG-compliant investments
• +3 more outcomes

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Swiss Venture Club (SVC)coreStrategic or Co-development PartnerSilver Partner of Swiss Venture Club, promoting exchange between SMEs from all Swiss regions and supporting the Prix SVC award for innovative companies
• Special Olympics SwitzerlandminorOthersProud donor supporting Special Olympics Switzerland's mission to enable people with mental handicaps to discover strengths through sports
• PluSportminorOthersSupporter of PluSport, the Swiss office for sports for the disabled, which offers sports engagement opportunities for people with disabilities
• MobiliarcoreStrategic or Co-development PartnerPartnership with Switzerland's oldest private insurer enabling comprehensive financial services offering
• GeneralicoreStrategic or Co-development PartnerPartnership with international insurance group Generali to provide comprehensive financial services
• kmuswissminorStrategic or Co-development PartnerPartnership with Swiss SME association to support small and medium enterprises
• BankWIRminorChannel Partner/ Reseller/ DistributorBanking partnership for regional SME financial services
• LegaswissminorStrategic or Co-development PartnerLegal services partnership for comprehensive financial services offering
• Swiss Climate AlliancecoreStrategic or Co-development PartnerTellco pk is a member of Swiss Climate Alliance, committed to sustainability goals including Energy Strategy 2050 and comprehensive ESG objectives

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Vontobel: Vontobel is a Swiss-listed private bank and asset manager offering wealth management, investment funds, and institutional asset management — directly comparable to Tellco Bank AG's institutional banking, asset management, and investment foundation offerings.
• Zurich Insurance Group: Zurich Insurance is a global insurance giant with material Swiss operations spanning life, pensions, and general insurance. It overlaps with Tellco's BVG and life-related offerings but operates at vastly larger scale and broader geographic footprint.
• Generali Switzerland: Generali Switzerland is the Swiss arm of the international Generali Group, offering life, pension, and non-life insurance. It is both a Tellco strategic partner and a broader incumbent competitor in the Swiss pension market.

Direct peers

• Helvetia Versicherungen: Helvetia is a Swiss insurance group providing BVG occupational pension, life, and non-life insurance plus asset management, comparable to Tellco pk's pension and banking/asset management offerings within the Swiss market.
• Swiss Prime Site: Swiss Prime Site is one of Switzerland's largest listed real estate companies, focused on Swiss commercial and residential property investment and management. Directly comparable to Tellco Immobilien AG's CHF 1.75 billion Swiss residential portfolio.
• Bâloise Group: Bâloise is a Swiss insurance and pension provider offering occupational pension, life insurance, and asset management solutions to Swiss employers and individuals, directly comparable to Tellco's pension and insurance-adjacent product suite.
• Mobiliar: Mobiliar is Switzerland's oldest private insurer, offering pension, insurance, and financial services to Swiss customers — both a strategic partner of Tellco and a directly comparable competitor in the Swiss occupational and private pension market.
• PAX Versicherung: PAX is a Swiss mutual insurer focused on life insurance and pension solutions for Swiss households, directly comparable in product mix (life/pension) and Swiss-market focus to Tellco pk and Tellco Vorsorge 3a.
• Swiss Life: Swiss Life is Switzerland's largest occupational pension and life insurance provider, offering a similar integrated full-service model covering BVG pensions, life insurance, banking-adjacent wealth products, and real estate — the closest direct peer to Tellco's multi-pillar approach.

Regional players

• Valiant Bank: Valiant is a Swiss regional bank serving SMEs and retail clients across German-speaking Switzerland, offering deposit, financing, and pension-adjacent services — comparable in regional SME focus and Swiss-only footprint to Tellco Bank AG.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/tellco-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tellco