Recover my lost assets Professionals Contact

Find your 2nd pillar assets for free

Through our online form or mobile app, send requests to search for your money, 100% digitally, free of charge and without obligation.

CHF 535’062’164 have already been raised from 41’678 users.

Step 1/5 - Enter your details

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?

You should immediately do a search if:

You are unemployed
You have taken a sabbatical
You want to plan your retirement
You have changed employers
You have left Switzerland
You want to plan your estate
You are divorced
You are looking for equity
You are curious
The Kala app allows you to find your lost assets.

Download our mobile app

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.

“Almost CHF 5.6 billion in unclaimed second pillar assets.”
Source : RTS


2nd pillar assets or vested benefits: how to recover them?

By filling out our free and non-binding search request form, a search will be made of more than 1'500 pension institutions in Switzerland.

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.

Why trust us?

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.

total vested benefits in Switzerland
55 billion
satisfied users
accounts with the Supplétive Foundation
A dismissal can lead you to lose your second pillar assets.

The problem of vesting in Switzerland

Every year 830'000 people change employer, thus considerably increasing their chances of losing their 2nd pillar assets.

55 billion

Total vested benefits in Switzerland

Source: article Le Temps

16 billion

Invested at a yield of 0.01% with the Supplementary Foundation

Source: Substitute Occupational Benefit Institution


Accounts with the Substitute Foundation

Source: Substitute Occupational Benefit Institution


of Swiss people between 25 and 65 have a vested benefit

Source: Labour Force Survey

With Kala, the process is simplified

All repatriation procedures can be done digitally without physically seeing a counselor.

  1. The applicant completes the application for free on the Kala app or website in less than 3 minutes.
  2. The applicant is notified when the results are available.
  3. The applicant can proceed with the repatriation of his assets, simply without having to travel.
  1. The applicant fills the search request form for the 2nd Pillar Central Office.
  2. The applicant sends the request form by post (CHF 1).
  3. The applicant receives information about where the money is located (but not the amount).
  4. The applicant fills out applications to the institutes for account holdings.
  5. The applicant sends letters (CHF 1 to CHF 3 depending on the number of pension funds).
  6. The applicant receives a statement of account from each institute by post.
  7. The applicant fills out the forms to have the money repatriated from each institute.
  8. The applicant's repatriated amounts are credited to the vested benefits accounts of their choice.

Frequently asked questions

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:

  • Change of employer
  • Unemployment
  • Sabbatical leave
  • Bringing up children
  • Divorce
  • Moving out of Switzerland permanently
  • You are not sure that your accrued funds have been transferred every time you changed or terminated your activity
  • You are looking for equity for your future house
  • You are looking for equity to start your own business
  • You wish to plan your retirement
  • You wish to plan your inheritance
  • One of your family members is deceased and you want to know whether they had any unknown accrued funds
  • You are just curious

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.

Are you sufficiently informed?
Then start the search →

Customer reviews

They used our service

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.»

Christine F.
applied on October 27

«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.»

Thomas K.
applied on November 2

«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.»

Tania M.
applied on October 30

«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.»

Erik L.
applied on October 15

«Efficiency, speed, simplicity and safety. Not to mention very pleasant people. Thank you very much.»

Sarah P.
applied on July 6

«A complicated process that is now very easy to use! Thanks to all of you!»

Julien A.
applied on May 12


Our articles keep you informed

Written by specialists, our articles on finance, the 2nd pillar and vested benefits help you understand the mechanisms involved.

How many people are affected by 2nd pillar asset losses?

How many people are affected by 2nd pillar asset losses?

Billions of Swiss francs are currently left dormant in over 1.4 million 2nd pillar vested benefits accounts. Discover how to locate your money and prevent it from being forgotten.

Melvin Plumez

Melvin Plumez

Brevet fédéral de planificateur financier
Économiste d’entreprise HES

How do I manage my 2nd pillar if I become unemployed?
BVG Unemployment

How do I manage my 2nd pillar if I become unemployed?

Losing your job can be an unsettling experience, especially for older workers. It becomes even more complex when it comes to managing your 2nd pillar in case of unemployment.

Melvin Plumez

Melvin Plumez

Brevet fédéral de planificateur financier
Économiste d’entreprise HES