Can I make retroactive contributions/purchases to a pillar 3a account?

Retroactive purchases into pillar 3a are possible, provided that the subsequent payment does not relate to a contribution year prior to 2025.

The prerequisite for a retroactive purchase is that the person has earned income subject to AHV contributions in Switzerland both in the year of the purchase and in the year for which the contributions are being paid retroactively, and that the retroactive effect does not exceed ten years. Before making a purchase, the maximum amount for the current contribution year must always be exhausted first. The purchase amount may not exceed this amount.

In addition, back payments for a past calendar year must be made in a single purchase. It is not possible to spread the payments over several years. However, gaps of several calendar years can be closed with a single purchase.

The (lower) 3a upper limit also applies to self-employed persons as it does to employees.

If you are considering making a purchase into pillar 3a, you can submit a corresponding application as a customer. To do so, select «Request purchase into pillar 3a» from the «Payments» menu.