Skip to content 
VIAC experience report: 7 years 3a with Viac fees, performance, criticism & praise!
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!
Table of contents
Viac Field Report Summary
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.
Positive Viac experience: Viac advantages
- Low fees: The Viac performance is absolutely terrific due to the low fees!
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.
- Paperless: Thanks to the app and the website, no paper is necessary. Neither for opening an account nor for the Viac tax return.
- Viac Performance: It is not only the low fees that ensure a good performance of the pillar 3a at Viac. A top performance can be achieved thanks to the high equity quota of up to 98 %.
- Ready-made strategies: As already mentioned, Viac likes to work with stock strategies that can give you a good performance. If you are not a stockbroker (someone who knows a lot about shares), you can use Viac's Global 100 strategy, for example. So you don't have to be a pro, but you can become a performance pro thanks to Viac!
- Customer ServiceAlways there for you via chat or phone and quickly available: Super Viac experience in support! We never needed it, but we asked for another Blog article once via chat and promptly received a competent answer.
- Vested benefits account: Since May 2020, Viac now also offers a vested benefits account. Are you leaving Switzerland, becoming self-employed or changing employer? You can now park your money temporarily in the Viac vested benefits account or invest it in securities.
- Viac Invest: Since December 2024, there has also been the Viac Invest Solution for free assets.
Our financial tips for 2025
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
Disadvantages and Viac criticism
- Fees depending on the strategy not the cheapest: Should you choose products and services based on price alone? Hardly. Nevertheless, there are cheaper providers than Viac in terms of the chosen investment strategy. Young people in particular often choose a strategy with a high equity allocation due to their long investment horizon. If we compare, for example, Viac vs. Frankly or Viac vs. Finpension 3a Viac comes off worse here in the fee comparison. Over a 20 or even 30-year investment period, a difference in fees can make a lot of difference.
- No client branch: If you are one of those customers who like to make small talk in branches, you are in the wrong place at Viac. They focus on low costs, avoid fees wherever possible and therefore do without expensive branches.
Viac Performance
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.
Viac fees
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.
Viac alternatives in comparison
Finpension
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.
Frankly
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.
Viac Taxes
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.
Top recommendations 2025
Your key to success! Discover our top recommendations from real testimonials.
Conclusion of the Viac 3a test
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.
Hey VIAC newbies 🩵💚🤍
➡️Sharing is caring
Enter one of the codes below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌🏽
f2vYJck
ug3b8aG
h5jSbQZ
mPJ7zGg
S1E5QfU
Each code can only be used once.
With VIAC you can start investing quickly and easily and save taxes at the same time!
✅ Quick, easy and secure, from CHF 1
✅ More individual than an ETF savings plan
✅ More favourable than any other bank
You can enter an invitation code at the end of the registration process. This will save you the administration fee on your first CHF 1,000 for life! 🎉
👉 Each code is only valid once
- XMWWdrw
- HjVgD2D
- Yn2rsba
- YRdfSBY
- MdzkZFU
- JAacsF8
- taRtazd
- mnaZCGC
- ZmMa7kD
- Mbpe68u
Hello,
If you would like to benefit from the tax advantages of this 3a solution, register with VIAC.
During the registration process, you can benefit from the following code and VIAC will manage your first CHF 1000 free of charge - for life!
ehci12R
Have fun!
Hello everybody
Here are a few more special codes to save CHF 3,000 in fee credit:
t1hXGHH
1cDWNhJ
n23LDyo
Have fun with VIAC!
LG, Alexander
Hello
Enter one of the codes below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
Current codes: (if one no longer works, simply try the next one)
- –
2in1BzL
Ys9qSai
- –
Many thanks
Greetings
Hey 🖖
Enter my code m1ZxZYS at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life!
A new code:
26BjmLX
Many thanks
New Viac Code from 15 August 2025:
uYCaLpN
VIAC manages your first CHF 1,000 free of charge - for life! You can enter the code at the end of the registration process. Have fun investing 😊!
Hello,
If you would like to benefit from the tax advantages of this 3a solution, register with VIAC.
During the registration process, you can benefit from the following code and VIAC will manage your first CHF 1000 free of charge - for life!
vTsT1Wy
Have fun!
Enter one of the following codes when registering and VIAC will manage your first CHF 1,000 free of charge - for life!
vnJZYQL
z15gtBS
SCWnSxn
hrVCx3C
5j7141x
pxZMV7z
3Kte5dq
tq8niQt
bc9wpft
Each code is only valid once
Hello, here are new codes for registration and 1'000.- free administration by VIAC:
GBNrGvu
yFRs8j3
Z1Wry1G
Hello,
Here are three codes from me:
muBYLDq
jZtC7nQ
4n3uYUg
Kind regards
Klaus
Hello,
I am very satisfied with VIAC and can only recommend it to others.
If you would like to benefit when you register, you can redeem the following bonus codes:
During the registration process, you can benefit from the following code and VIAC will manage your first CHF 1000 free of charge - for life!
bhkM4JY
MtdeS3N
UJzQ3c5
Have fun!
Enter the code ZN4jvQs at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life!
Hello
I have had very positive experiences with VIAC and can only recommend them. Here are the following codes to benefit:
UK8rGNm
ADntL5e
Kc4dCg4
Kind regards
Hello Together
I still have two invitation codes available, which I am happy to share with you. Let's profit:
3FMaott
rHf6EaV
Hello everybody
I also have two invitation codes.
VIAC manages your first 1000 free of charge! For a lifetime!
zaXRF7B
xV7MM1t
Best regards
Jan
Hi, here are a few links you can use.
awLTFVc
YDTp31c
Best regards
Chris
Hello,
If you would like to benefit from the tax advantages of this 3a solution, register with VIAC.
During the registration process, you can benefit from the following code and VIAC will manage your first CHF 1000 free of charge - for life!
MtVTHNQ
Have fun!
Hi!
Do you need a code for VIAC? Then use one of these:
Xd1KAeK
ZY7Rxxt
Each code can only be used once.
Hello
I am very satisfied with VIAC and can only recommend it to others.
If you would like to benefit when you register, you can redeem the following bonus codes:
iWAxDXq
ZFAgRPS
LP9Ghtg
Lg
Olivia