Descartes 3a promo code: CHF 25 credit

The current Descartes 3a promo code from Evaluno is EVALUNO. With this code you receive a CHF 25 credit when opening a pillar 3a account.

Everything happens online, in a few steps:

1. Open your new Descartes account online.
2. Enter the code EVALUNO during the registration process.
3. Make a deposit of at least CHF 1'000 after opening.

The bonus is transferred to your 3a cash account at the end of the year.

The code EVALUNO is exclusively for new customers. A minimum deposit of CHF 1'000 is required. The credit is applied at the end of the year.

Descartes is a digital Swiss asset manager for pillar 3a, free investing and vested benefits. The code EVALUNO applies to the pillar 3a products. You choose from several investment strategies with an equity share between 20 % and 100 %, all sustainable (ESG) and managed according to the minimum-variance strategy. The all-in fee (= annual flat fee) starts at 0.64 % per year, depending on the investment model and equity share. In pillar 3a you can hold up to five accounts, which allows a staggered, tax-optimised withdrawal in retirement.

Yes. Descartes operates as a FINMA-regulated asset manager with a strict separation of responsibilities. Your pension capital is held via the independent pension foundation of Zurich (UVZ) and safely deposited with Lienhardt & Partner Privatbank Zürich AG. Since product provider, asset manager, custodian bank and pension foundation are legally independent of each other, your capital is protected as segregated assets, out of reach of third parties in the event of insolvency. Cash balances in the 3a account are privileged in bankruptcy up to CHF 100'000 (separately from the esisuisse deposit insurance). Please note, however, that your investments remain subject to the usual market fluctuations.