After leaving Switzerland
Switzerland holds vested 2nd-pillar benefits for people who left the country without transferring out, a category most departed workers do not realise applies to them. A hard age-100 forfeiture clock runs underneath it (first real forfeitures executed in 2024), and AHV state-pension arrears die on a rolling 5-year basis.
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Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
Personal-record access wall: None at the central-search level, Switzerland is one of the rare no-wall countries for vested-benefits identification.
Switzerland is unusual: a free national vested-benefits search exists for people who left without transferring, and the AHV contribution record is obtainable without personal eID, where you can use these routes yourself, use them. The hard part isn't access; it's that a Swiss career fragments across employers, cantons and short spells, and the vested pots from each sit in different institutions with no single thread tying them together.
EU coordination; DE↔CH dual-minimum aggregation; per-treaty options.
Primary sources: Auffangeinrichtung / Zentralstelle 2. Säule · compenswiss / SAK Geneva (AHV)
Everything above is drawn from the verified Switzerland dossier. The Switzerland country page sets out what we identify, what it costs and who it is for.
Distance isn't the wall here, the search is reachable from abroad. The cross-border difficulty is that the institution holding each pot depends on which employer you had when, and that lineage isn't something a leaver typically remembers a decade out.
2nd-pillar vested benefits stay findable but are forfeited at age 100 (BVG Art. 41; heirs excluded); AHV arrears die on a rolling 5-year basis, apply at 72 and months older than 5 years are permanently gone. None of this is automatic.
No. We identify the scheme and access route. We do not advise on transfer, consolidation, drawdown, or taxation, those decisions belong with a regulated adviser in your country of residence.
Full refund. Our report is a fixed $99 fee; if it delivers nothing material, you pay nothing.