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.
1,888 responses
Thanks for the great article and the explanation! I opened the 3a account with VIAC yesterday and the deposit has already been booked today. Really great performance of the booking from one day to the next.
Payments received up to and including 29 December 2024 can therefore still be taken into account as a payment for pillar 3a in 2024.
Enclosed are a few codes for the free lifelong management of a CHF 1000 allowance.
Simply enter the code at the end of the registration process and VIAC will manage the first CHF 1,000 free of charge - for life!
Anyone who would still like to pay in this year and benefit together:
xRcuXnA
RMZnXpS
yNTmDKU
gVrLpQr
Each code can only be used once. So please reply to this comment to tell us which code you have used so that the next ones can also benefit. Thank you 🙂
Capitalisation makes all the difference. 😉
Hey 👋
I did it myself, it works perfectly and I can highly recommend it.
Enter my code at the end of the registration process
eegv8fe
and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
Each code can only be used once.
A new code:
um6qzZD
New fresh VIAC codes as of December 13, 2024:
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mM64sZG
I can really only recommend VIAC.
What's also great is that you can now open an investment account outside the 3rd pillar at extremely favourable conditions.
Here are a few more codes from me:
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5LGHoBa
mXS6Zto
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tsm5is
Have a nice day everyone!
A few codes from me too:
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qond66F
Hi, everybody.
The following VIAC codes are available for one-time use:
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This way you can manage the 1000CHF for free for the rest of your life.
Good luck!
Greetings Dani
Enter my code below at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
Each code can only be used once:
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I can also recommend it, it works perfectly.
I still have codes too!
Good luck with your investment!
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Hey
Enter my code at VIAC and save - no fees on the first 1000 CHF.
Each code is only valid once.
Current Welcome Codes 2024:
TsQD5QU
zzj3rh2
Greetings from your Mia
💸 Sign-up bonus up to CHF 100 and lifelong fee allowance of CHF 2'000 for the first 25'000 customers + 0% fees until 31.12.2025 for everybody + lifelong fee allowance of CHF 1'000 if registered with the Code mytqbTT!
mytqbTT
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Here are three new codes for Viac. This gives you an unlimited free investment of CHF 1,000. Can be entered as a new customer when logging in.
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Here are some current codes:
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Some new and updated codes to claim your fee bonus [7.12.24]
I can really recommend Viac.
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Here are more codes for VIAC, with which you automatically benefit from an allowance of 1000.
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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!
6tvf52o
YbruZ4i
1wGvXDo
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Here are some referal code to get 1000.- free of fees:
- qzodqEg
- NP7ALkT
- 8316Gci
- JqHbf4J
The following VIAC code is active
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Good luck!
Greetings
Dani
Enter my code at the end of the registration process
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and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
If someone needs a code:
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ZGZsChY
qcCqSFc
Promo codes:
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6H9XXCm
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Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌
Code 1: MbiVzAv
Code 2: wrV1Y8J
Code 3: ywnvjme
Please use fresh code from 04dec2024 🙂
egF7eVi
Hey 👋
Fresh VIAC code from 04.12.2024.
Enter the code below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
C6s9HBt
Greetings
Pascal
Thanks for the helpful post, informative comparison and your overall really helpful blog posts and newsletter! It helped me with my decision.
Registration went really well. Thanks for the codes! Deposit credited directly the next day.
Anyone who would still like to pay in this year and benefit together:
Here are a few fresh codes:
UfZHEqq
9t7CzfL
6PybnUY
6i5mMNs
CHF 1000 managed free of charge - for life. Simply enter at the end of the registration process.
(Please note that capitalisation makes the difference in this case. 😉 )
apply universally to VIAC: Pillar 3a, vested benefits and invest
Thank you for the very informative article and the clear Pillar 3a comparison. It was a great help in making the right choice. Thank you for your overall great work here on this helpful blog.
I have now decided to start with VIAC. Registration and first deposit went smoothly. Thanks for the code for the allowance!
I would also like to enclose a few codes for the free lifelong management of a CHF 1000 allowance.
Simply enter the code at the end of the registration process and VIAC will manage the first CHF 1,000 free of charge - for life!
Who would like to profit together:
xRcuXnA
RMZnXpS
yNTmDKU
gVrLpQr
PS
Each code can only be used once.
Capitalisation makes all the difference 😉
Thank you for your positive feedback and for sharing your codes, Tina 🙂
Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌
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hello together
Have had Viac for years. The best app.
I would be happy if you would use one of my codes.
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Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌
Hey 👋
Do you know the VIAC app? Like me, use VIAC for your pillar 3a, vested benefits or the investment of your free assets!
Enter my code GCv3p6x at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
Here are some more codes:
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sachQiu
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As of 02.12.2024, the following three codes are still available to save on fees:
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Here is my code from 29.11.24:
wHNnmNT
Hello,
Would you like to save on taxes this year? When you open a 3a account with Viac, you save the fees on your first 1000.
Use the following codes:
ZxyKHyd
4TcWGKq
Here are a few fresh codes from 27.11.2024:
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Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌
Code 1: 2wDKocq
Code 2: 1vgCQjg
Code 3: F6xYdSS
New fresh VIAC codes as of 23 November 2024
wWJFTbs
dN7cVho
nWJZdq1
itwUxBu
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Brand new code: U5zTgx9
Hello,
Here is a new code from 22 November 2024:
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VIAC manages your first CHF 1,000 free of charge - for life! 🙌
LG Pascal
Ps.: Each code can only be used once.
VIAC is a great thing 😀
Now pay in up to the maximum of the 3rd pillar at the end of the year, i.e. CHF 7056.
Here are a few more codes from me so that you can benefit from the CHF 1000 administration fee!
Each one is only valid once, so just try the next one if the other one no longer works 🙂
Have fun saving and lG
Andreas
Here are the codes:
ayJe3mB
nPrCm9Y
fXyU84n
Here are more codes:
K3eVCm7
Sp5oSnb
Hey 👋
Do you know the VIAC app? Like me, use VIAC for your pillar 3a or vested benefits!
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iAYbAyB
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Each code is only valid once. Thank you 🙂
Hey 👋 18.11.24
Enter my code uke7VWZ at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
I have been very satisfied with Viac for three years now. I still have three invitation codes available =)
FT7T41C
LyCuWTo
6Gw57fh
Have fun saving.
Hey 👋 18.11.24
Enter my code uke7VWZ at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
Hey 👋 18.11.2024
Hir a new code uke7VWZ so you save your first fees
Very happy 👍🏻🇨🇭 - here are a few codes for you.
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Hey 👋
Enter one of my codes below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
I did it myself and it works perfectly! Each code can only be used once, first come - first served!
oiYYUtf
A55uhZx
XsgLxbc
Greetings, SimonS
Can only recommend VIAC! Great thing - super simple and unbeatable performance due to low fees / costs.
Here are my codes from 07.11.2024 - help you manage your first 1000 CHF without fees.
s31g3X1
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94qdk6t
SxmuGBt
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Enter when registering and benefit. Each code can only be used once. More on http://www.viac.ch
Here are some more codes:
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Super easy to start! I also have my codes here:
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Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌
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Hey 👋
Enter my code and save. Each code is only valid once.
Codes:
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QaQc7Tr
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Au3x2jD
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Greetings from Sandy
Because I had my code from here, I'm now giving you some fresh codes:
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ygfNpud
McZEmeb