Bern pensions
In the canton of Bern, retirement provision rests on the three Swiss pillars: AHV, the occupational pension fund and private savings. This page brings together this year’s federal parameters, the funds of reference, the tax on lump-sum withdrawals and our articles on pensions.
The area has no national border: the topics that matter are those of people living and working in Switzerland. Official sources publish in German and French; data, notices and articles are collected here and updated when they change.
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Pension parameters 2026
Federal amounts and rates valid across Switzerland: first pillar (AHV), second pillar (BVG) and pillar 3a.
- Minimum AHV pension (monthly): 1,260 CHF
- Maximum AHV pension (monthly): 2,520 CHF
- Employee share of AHV/IV/EO contributions: 5.3%
- BVG entry threshold (annual salary): 22,680 CHF
- BVG coordination deduction: 26,460 CHF
- Minimum BVG conversion rate: 6.8%
- Maximum pillar 3a payment (with a pension fund): 7,258 CHF
- Maximum pillar 3a payment (without a pension fund): 36,288 CHF
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Source: AHV/IV Information Centre and Federal Social Insurance Office
Cantonal funds
The AHV compensation fund and the public pension fund of reference, with their official websites.
- Ausgleichskasse des Kantons Bern — Compensation fund
- Bernische Pensionskasse (BPK) — Public pension fund
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Tax on lump-sum withdrawals 2026
Tax due on a lump-sum pension withdrawal at 65, for a single person without children living in the cantonal capital.
- Withdrawal of 100,000 CHF (Bern): 4,628 CHF
- Withdrawal of 250,000 CHF (Bern): 16,323 CHF
- Withdrawal of 500,000 CHF (Bern): 41,259 CHF
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Source: Federal Tax Administration (FTA)
Official notices
Latest releases on this topic from the canton’s administrations and public bodies, linked to the source. Titles are in the original wording.
- Vergleichsrechnungen zur 13. Altersrente bei Witwen- und Witwerrenten
- Informationsanlass für angehende Pensionierte
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Recommended articles
- AVS and complementary services in Canton BernHow the calculation of the AVS pension works in the Canton of Bern: mandatory contributions, contribution gaps, supplementary benefits and coverage of the minimum living allowance.
- Swiss third pillar 3a: 2026 benefits in the canton of Bern2026 Guide to 3a in the canton of Bern: indexed maximum, three tax levels, and comparison between banking and insurance providers.
- AVS Canton Bern: annuity, gaps and benefitsFirst AVS pillar in the Canton of Bern: cantonal compensation fund, pension calculation, contribution gaps and benefits complementary to the minimum living allowance.
- AVS and complementary services in Canton BernThe Canton Bern Compensation Fund affects the supplementary performance of the AVS, but the source does not provide specific information.