
What is a vested benefits account ?
A vested benefits account is specifically designed as part of the Swiss 2nd pillar pension system.

Melvin Plumez
Brevet fédéral de planificateur financier
Économiste d’entreprise HES
Through our online form or mobile app, send requests to search for your money, 100% digitally, free of charge and without obligation.
CHF 995’599’738 have already been raised from 77’551 users.
The search is free and without obligation. The data will not be sold to third parties.
On average, each citizen between 25 and 65 years old has
CHF 12’838 in vested benefits!
When to do the research?
Our app allows you to track the status of your request and receive a notification as soon as assets are found or your request is updated.
Assets
By filling out our free and non-binding search request form, a search will be sent to the 2nd Pillar Central Office.
How could I "misplace" my assets?
When the employee leaves the employer, the pension fund sends a form to the employee and the employee must indicate where the assets are to be transferred. If this form is not filled in on time, the money is sent to the Substitute Institution Foundation.
Kala Swiss SA, a limited company based in the Jura region (CH), is the first to have created a 100% digital process to retrieve your 2nd pillar assets. Today, we are the market leader and have hundreds of satisfied users' reviews, visible on App Store and Play Store. The press has praised their services on several occasions.
Every year 830'000 people change employer, thus considerably increasing their chances of losing their 2nd pillar assets.
55 billion
Source: article Le Temps
16 billion
Source: Substitute Occupational Benefit Institution
1’344’676
Source: Substitute Occupational Benefit Institution
31%
Source: Labour Force Survey
All repatriation procedures can be done digitally without physically seeing a counselor.
Do you have any questions? You may find the answers below. For more details, check out our FAQ.
Simply put, every time a termination or change of professional activity occurs, of which the most frequent cases are:
The 2nd Pillar Central Office is the liaison office between the occupational benefit institutions (also called 2nd Pillar or LPP/BVG) and the insured. Its purpose is to reconnect the insured with the institutions. It does not manage any insured party account or any accrued funds. This service is funded by the Confederation and the searches are free of charge for the applicant.
Once you have validated your search request, you don't have to do anything else, except be patient! You will receive a letter when we have received the results.
Customer reviews
Tens of thousands of users have recovered lost assets and are satisfied with the solutions we have provided. We have received hundreds of positive testimonials about the quality and professionalism of our services. All of them are available in the App Store and Play Store.
«A practical, intuitive and efficient tool. The team showed determination and successfully accompanied me in a process that could seem complicated.»
«A letter was sent to me containing BVG assets in several locations, followed by a very clear phone call to help me consolidate my funds.»
«I am relieved to know that all my contributions are now in one place (which was not the case before)... Without your help, I probably never would have taken the necessary steps.»
«We were delighted with your service which allowed us to easily consolidate my wife's various pension funds... which would not have been possible without your help.»
«Efficiency, speed, simplicity and safety. Not to mention very pleasant people. Thank you very much.»
«A complicated process that is now very easy to use! Thanks to all of you!»
Blog
Written by specialists, our articles on finance, the 2nd pillar and vested benefits help you understand the mechanisms involved.
A vested benefits account is specifically designed as part of the Swiss 2nd pillar pension system.
Melvin Plumez
Brevet fédéral de planificateur financier
Économiste d’entreprise HES
Phone scams related to the search for pension assets are becoming more frequent in Switzerland. Here’s what you need to watch out for.
Melvin Plumez
Brevet fédéral de planificateur financier
Économiste d’entreprise HES
At Kala Swiss SA, behind every asset search is a passionate team dedicated to simplifying the lives of its clients.
Diego Rohner
CEO & co-fondateur
Your experience on this site will be improved by allowing cookies.