France → Switzerland
Pensions accrued in France and Switzerland are administered separately by each country's providers and registers. We do the identification work in both jurisdictions, the route is different in each, and we use the verified route per country.
Find my pensionsFull refund if we find nothing material.
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
The mandatory Agirc-Arrco complementary pension is a SEPARATE entitlement from the CNAV base pension (two bodies, two streams), and French pensions are never paid automatically; they must be filed ~5 months ahead.
Nothing is paid without an application; filing late loses un-backdated months. No refund for leavers, rights are preserved and exportable, paid pro-rata at retirement.
Personal-record access wall: info-retraite.fr / Mon compte retraite, FranceConnect + a NIR (RNIPP); no-NIR expats locked out
The relevé de carrière is on info-retraite.fr; cross-border claims file via the residence-country institution
From abroad: La Poste Identité Numérique can be created remotely (62 countries) and unlocks FranceConnect → info-retraite.fr, BUT it is NIR-gated, so the holder must already know their NIR (RNIPP). The no-NIR case is the harder path and remains UNKNOWN.
EU aggregation + single-claim cascade (file in residence country → cascades to France); the expat must still list France.
Primary sources: lassuranceretraite.fr · agirc-arrco.fr · cleiss.fr · info-retraite.fr · ciclade.caissedesdepots.fr
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
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.
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.
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.
From abroad: 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.
EU coordination; DE↔CH dual-minimum aggregation; per-treaty options.
Primary sources: Auffangeinrichtung / Zentralstelle 2. Säule · compenswiss / SAK Geneva (AHV)
France and Switzerland pensions are not pooled or auto-consolidated. Each leg is worked on its own: registers searched in France, registers searched in Switzerland, and contact details surfaced where the dossier supports it. State pensions may be affected by bilateral or reciprocal agreements between the two jurisdictions, each country page records what its dossier establishes; we do not invent treaty effects.
Yes. Our report covers identification work in both France and Switzerland as separate jurisdictions. Each country's pensions are administered locally; we work each one using the access route published on its country page.
No. Pensions accrued in France stay with France schemes; pensions accrued in Switzerland stay with Switzerland schemes. They are administered separately. Bilateral and reciprocal agreements may affect state pension aggregation in some pairs, see each country page for what its dossier records.
An identification-only report covering both jurisdictions: registers searched, any provider matches with contact details, and any registers that require you to check directly using your own credentials. We do not give financial advice, transfer pensions, or estimate values.
Full refund if we find nothing material. Fixed fee, $99 Country Pension Identification Report, $499 Enhanced Pension Identification Report, $799 Global (covers all requested countries).