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Schwiizerfranke has also been invested in Viac for over 6 years and a lot has happened since then with Pillar 3a as well as with Viac. In this article, you can find out how the app was used, how customer support was and what else influenced the Viac experience. viac review!
After the year is over and we have gathered some points of contact, we can give you our Viac experience report in one word: Terrific! The app is very intuitive and clear and never caused any problems. The strategies can be adjusted individually every month, which we also used a lot. The fees are extremely low and the Viac performance is therefore very good.
In January we automatically received the message that the tax report was ready and so we were able to start the tax settlement on time.
Free basic protection: In the event of disability or death, you will receive up to 25 % in addition to your pension assets. For every CHF 10,000 invested, VIAC will provide you with free insurance cover of CHF 2,500 (max. CHF 250,000) in the event of death or disability (70% - IV degree).
Intuitive app: It is easy to understand, it is well designed and you can perform all necessary tasks in it.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
Viac performance stands and falls with your investment strategy. Yes, Viac also offers you a "normal 3a interest account" with current interest of 0.15 %. But this is unlikely to attract most customers to Viac. There are other banks that currently pay you around 0.25 % interest, as you can see in our Interest rate comparison you can see. 0.25 % performance is nothing, however, compared to the average 8.3 % over the last 10 years in the Viac Global 100 strategy. You can see this in the Viac Performance Report.
In the past, a high equity allocation led to good performance. What then reduces the return even further are the fees. At Frankly strategies with a high equity ratio are more favorable than with Viac.
However, the future cannot always be derived from the past, of course. The 3a account is used for long-term retirement planning and should not necessarily be used to implement active investment strategies. With the 5 different accounts, however, you can of course pursue different strategies and then staggered to reduce the risk in old age. If you like Viac's digital 3rd pillar, but would like a little more advice, it's worth taking a look at Selma Finance. Compared to Viac, Selma not only manages your 3rd pillar, but also your entire assets if you wish.
The normal management fees are 0.40 % on the invested assets. Depending on the strategy, there are also product costs. Certain shares, ETFs or commodity bonds are of course not free for Viac. These (small) fees are of course also incurred by you if you use the corresponding products. Viac has recently introduced a Fee cap, i.e. a cap on fees at a maximum of 0.40 %! At Fees FAQ you will find all further questions and answers about the Viac Fees. Yes, there are cheaper providers such as Frankly from ZKB, but this depends mainly on the strategy chosen. This does not have a negative impact on our Viac experience report.
Since there is from Viac a "Invite friends"program, you can even make your first Manage CHF 1,500 free of charge and save on the administration fee! So when you open your account, invite friends right away and get the coupon. Feel free to leave your code in the comments, then it will be even faster for you and others can also benefit from it.
In the big Pillar 3a comparison Finpension in particular stands out very positively.
The pillar 3a offering from Finpension is not only somewhat younger, but also cheaper than Viac's offering. Furthermore, Finpension offers a wide range of investment strategies to choose from, which is also customisable. The offer is complemented by a very exciting vested benefits facility and good customer service. Finpension so you should definitely look at it as a Viac alternative.
The digital pillar 3a offering of Zürcher Kantonalbank (ZKB) goes by the name of Frankly and is very popular. The digtal pension solution is inexpensive, innovative and particularly suitable for long-term investments with high equity ratios.
Since the tax report is sent automatically in January, Viac Taxes no problem. Without an application and without paperwork, the tax assessment is conveniently sent to you. When you file your tax return, you submit it and claim back the corresponding taxes. In the Tax table you can see how much tax you can refund in your canton of residence on your income.
Your key to success! Discover our top recommendations from real testimonials.
Viac revolutionises the pension market with its 3a solution. What stands out in a particularly positive way is the Free "Basic protection" add-on in the form of cover in the event of disability or death.
All in all, the Viac package is right, and you will find a very good fair and good product offered. The Viac performance is very good, thanks to a high equity quota of up to 98 %, it is thus possible to build up assets well over the long term with the 3rd pillar.
The Viac Fees are very loweven if Finpension is more favourable. Depending on the strategy chosen, it may also be Frankly be cheaper and more attractive.
1,817 responses
A new code:
dN31J7L
Hello everyone. Who needs it can use a code from me.
I've been using the app for years and love it.
2F3bJCn
unjmegi
Best regards Eveline
There is already a return after a short time and over a longer period of time with regular deposits it pays off handsomely. The app is super simple and opening an account takes just a few minutes.
Here is an invitation link for benefits and lower costs:
3dBN66o
DnS5J1F
DnS5J1F
Hey 👋
Fresh VIAC code from 17/01/2025.
Enter the code below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
2tDcJpn
Greetings
Danja
Hey 👋
Fresh VIAC code from 17/01/2025.
Enter the code below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
QieEvdC
Greetings
Pascal
Hey here are my codes if anyone is still looking for some.
I have also used one from here myself, really practical, otherwise you will find almost none.
Also gives 1'000.- free of charge forever. Each code can only be used once, so here are 5.
kzeifQE
vnNdnEh
nDhWyuK
vvBoM6k
eGMEgdt
Greetings Brian
✨ Fresh VIAC codes for January/February 2025! 🎯
Save the administration fees on your first CHF 1,000 - free for life! Each code can be used once: ⭐
🎁 Rg1rU7z
💫 V3PzHYU
⭐ 1JXt2aA
🌟 hNMb76S
✨ aTPDRWp
🎯 Yqwjsec
Good luck with your prevention! 💪
Fresh VIAC codes for January/February 2025! ✨
Save the administration fees on your first CHF 1,000 - free for life! Each code can be used once:
Rg1rU7z
V3PzHYU
1JXt2aA
hNMb76S
aTPDRWp
Yqwjsec
Good luck with your prevention! 🌟
Hello everyone. Who needs it can use a code from me.
2F3bJCn
unjmegi
Best regards Eveline
Enter my code jZcawgE at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
Each code can only be used once.
jZcawgE
Fresh codes:
ikRoLYs
FYPJPCk
TRpaBKu
nPyd5cN
cxDTwkN
Enter one of my codes at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
Current code to save the fees on the first CHF 1000 of managed funds:
HkkVkwW
Hey 👋
Fresh VIAC code from 13/01/2025.
Enter the code below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
p5MBSC3
Greetings
Pascal
A few codes:
PHCoj8H
8zTsMHs
CwmQxSd
Hello everyone. Who needs it can use a code from me.
2F3bJCn
unjmegi
Cp86AHM
JwXEgYC
Best regards Eveline
A new code:
KVvJJ8p
Here is a new code from 12.01.2025:
ny4mq1j
Thank you ☺️
Hey 👋
Fresh VIAC code from 07.01.2025.
Enter the code below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
vRrxsAW
Greetings
Pascal
Here is another code for those who would like to have the first CHF 1,000 managed free of charge:
TdvZDhx
Kind regards
Mary
Another tip regarding radio stations:
Listen to Oldie Antenne (Bavaria) - I can always listen to it, not a lot of jargon and if they talk at all, interesting information.
Thanks for the great article.
Fortunately, articles like this contribute to financial education in Switzerland. I have also recently taken out all my 3a pillars with Viac and am very satisfied 🙂 -> previously, unfortunately, as 3a life insurance.
Enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life!
Codes:
DKZuPYy
8ZYDca8
9SFx5JX
A new code:
69f239D
Here are my codes from 04.01.2025:
wA7RmeX
JXzTFie
dNgkz8f
Enter when registering and benefit.
Each code can only be used once.
Can highly recommend VIAC!
Here are my codes from 04.01.2025:
wA7RmeX
JXzTFie
dNgkz8f
Enter when registering and benefit.
Each code can only be used once.
New Viac Code from 4 January 2025:
2ag7mEr
VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
New Viac Code from 4 January 2025:
2ag7mEr
VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
another code: 3k3kV4S
Do you know the VIAC app? Like me, use VIAC for your pillar 3a, vested benefits or the investment of your free assets!
Enter one of the following codes at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life!
FNs8wYz
MkgTHpG
1vJsSK1
cjbKV1V
SZPm6nJ
Hzx11PA
Happy New Year and good luck with your investments!
Thank you for the great article!
Here are a few new VIAC codes to save money:
zWMWkzJ
DpiZfG8
PxVMG41
CL7U2Yp
rLtT986
Here are some new codes that you can use to manage your first CHF 1000 free of charge:
2g6RLQ5
bHfz494
gXoE2mt
JGqTMsv
Thank you very much!
Cristian
Functioning codes:
yWkKZRr
ANiRnBx
Registration was super easy. Thanks for the article and the codes. Here are more codes for VIAC to save:
aapcMoQ
sL9mJKW
3vfERwP
VsBp5od
E4SgSYp
Simply enter it at the end of the registration process and VIAC will manage your first Fr. 1000 free of charge.
Thanks for your great articles and website!
Here are a few new VIAC codes to save money:
8ht6ytc
Pu8ttSf
YLqgcgR
WTtRR4G
UaQSJw4
Do you know the VIAC app? Like me, use VIAC for your pillar 3a, vested benefits or the investment of your free assets!
Enter one of the following codes at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life!
c4E8wGP
TUjGrhy
nzmJZDm
qeCPQXL
ccqWo1C
Happy New Year and good luck with your investments!
A new code:
VVMNwJ1
Hello
Register with Viac and have your first CHF 1,000 managed free of charge - for life! 🙌
Use one of these codes:
PsZr1rz
Nqeknnz
9a3MwNg
Greetings Stef 😊
Here is my code if anyone still needs one for the free fees:
aTvKsuc
Thank you and good luck!
Thanks for the post, I'm also very happy with Viac. 🙌 Here are a few more codes in case the others are used up:
tK3R9Nf
cVAr5pW
8axJnWp
Y3BZiqv
Here are some new codes that you can use to manage your first CHF 1000 free of charge:
Fjh8dkN
vt7ATRk
twWaWt8
mEbPSbr
Thank you very much!
Cristian
Hello would be nice
Register with Viac and have your first CHF 1,000 managed free of charge - for life! 🙌
Use one of my codes for this:
WFxYdQm
evuLHNu
58xDN52
iBe59qM
hkRexm9
Using Viac for years and can only recommend it. Use the following code at the end of the registration and VIAC will manage your first CHF 1'000 for free - for life! 🙌
Code: 9qaCssq
new codes:
KoqQ7aP
FP5R73r
NUfDrAA
And here are some more codes as the upper ones have already been used up:
2T88HxN
JtBu6Rw
CpzuwjL
bVBciTF
JbUw2h5
Thanks for the codes, here are a few new ones:
AVuUDCY
787SCmD
Vt3cB5Z
5k63VDy
gS3LjKB
Hello Together
In the meantime, I have also decided in favour of VIAC and have one more code to contribute:
orHYGwN
th6VmGj
dnUYetj
Merry Christmas
Hello Together
Many thanks for the great article!
If anyone else needs a code:
aZ4Hti2
Yours sincerely
Silvia
Sali zämme!
Register with Viac and have your first CHF 1,000 managed free of charge - for life! 🙌
Use one of my codes for this:
DqqDXqm
6vSA5U8
Dxz5mc4
Hello @all 👋🏻
You are welcome to use one of the following codes when opening a 3a pension plan with VIAC. The first CHF 1,000 are managed free of charge for life.
bfomSFo
uU65VTV
2vsT6eo
LG & en schöna obed eu!
Sebastian
I have been with Viac for years and am very satisfied.
If anyone still needs a code:
WewnexH
V8iGAqg
1JKJqnq
2VanLQa
Simply enter it at the end of the registration process and Viac will manage your first Fr. 1000 free of charge.
A new code:
CsevSJq
Thanks for sharing the codes and the in-depth article!
I'm happy to share free assets:
xRcuXnA
RMZnXpS
yNTmDKU
gVrLpQr
Enter at the end of registration. Applies equally to VIAC 3a and VIAC Invest.
Happy buy and hold! 🙂
Registration went really well. Thanks for the codes! Deposit credited directly the following day
Anyone who still wants to pay in and benefit this year:
Here are a few more codes:
UfZHEqq
9t7CzfL
6PybnUY
6i5mMNs
CHF 1000 managed free of charge - for life. Simply enter at the end of the registration process. (According to Viac, this can be used for VIAC Invest and 3a universal in the registration process)