Payment plan

Payment plan

You wish to pay your BVG contributions in installments because liquidity is tight

As an employer you are required to settle all ordinary contributions for your employees. In particular, these include the savings contributions, risk premiums and cost contributions. The risk premiums and cost contributions are usually due at the beginning of the year, and the savings contributions at the end of the year. For entries made during the year, risk and cost contributions are due on the entry date. In the event of resignation or retirement during the year, savings contributions are due on the date of resignation.

We recommend that you transfer the contributions each month. This spreads the costs of the payments over the whole year, helping to prevent any payment difficulties. We invoice you for the contributions and debit them to your contribution account.Payments and credits will be credited on the value date.

How to proceed

Interest earned

Active and passive interest are calculated as of the value date, irrespective of the time of billing. The following interest rates apply:

Interest rates valid as of January 1st, 2020

Vita Classic

Vita Plus

Interest on deposits in premium current account 0.00% 0.00%
Borrowing rate for premium current account
5.00% 4.00%
Non-committed funds 0.00% 0.00%
Employers' contribution reserve account 0.00% 0.00%

How to proceed

For help and advice, you can approach your contact for occupational retirement provision at any time or call our Help Point BVG on 0800 80 80 80.

Please note

We will be required to start a dunning procedure if any contributions are outstanding. If you find that liquidity is tight, we can accommodate this with a payment plan, which will defer the dunning procedure. We would be happy to speak with you and agree on a payment plan that takes account of your financial situation.


Online employee pension plan

As simple as e-banking

  • Manage your contracts and data regarding pension planning
  • Plan your liquidity on a basis of a daily updated balance
  • Calculate comfortably the contribution for new employees online

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