Viac experience report after one year review, costs, fees and refer a friend with Viac Review Test as well as Viac vs Frankly.

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 yield test report in the Performance Review Viac 3a pillar
VIAC Dashboard: Clear and tidy

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.

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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 yield test report in the Performance Review Viac 3a pillar
Exemplary 3a portfolio with remarkable performance - not least due to "lucky" timing, after the corona crash in 2020. Return calculated here as TWR - don't get confused (article on the blog).

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.

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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.  

2,099 responses

  1. So far very happy with the Viac app, clear and concise.
    Here are the latest codes, thanks for using them!

    yCrfFY4
    cCW34PX
    3CFCCtR
    DCLdNmu
    6CEeWQ3

    Reply

  4. I can only recommend VIAC to others...
    Here are some brand new codes, merci for using them!
    bCLci9b
    VCEnrGs
    uCtJHvk
    5CRCJsj
    NCBWrtV

    Reply

  5. I would be happy if someone takes my code to register! We both benefit from it!

    Here it is:
    TCVehjM

    Thank you very much for using it!
    Rosi

    Reply

  6. Hello everyone, here are some current discount codes from VIAC.
    Each code can only be used once.
    ACrqhGT
    wCRtTi8
    pC9EF22
    oCGH3kQ
    Kind regards

    Reply

  12. User when registering the following code:
    aCjwQ7a
    eCik49b
    xCkffUd
    FCgcvGt

    Each code can only be used once.
    Love greetings Michi

    Reply

  16. Matt recommends you use the VIAC app for preventive care

    Use the following code when registering: YCod7vX

    Reply

  18. With this code you don't have to pay any administration fee on the first 500 CHF when you open an account at VIAC 🙂
    kCsB633
    ZC7ESXp
    BC4sKWm

    Reply

  20. I am very happy with VIAC 3a, also the app is very well done. I can really recommend it 🙂
    Here are two new codes for registration:
    uCofHkc
    GCVwCjh

    Reply

  22. With these codes, you pay no administration fee on the first CHF 500.00 of pension assets - for life! 🙌

    uCWZrHb
    CCgpJ2m
    TCPTAiD
    iCTbjkT

    Reply

  24. Hello everyone, here are some current discount codes from VIAC:
    no administration fee on the first CHF 500 of pension assets:

    AJRT5Nn
    MJuBPkm
    CJjtHoD
    dJFjSu6
    4JnreqE

    Reply

  27. I have been a Viac customer for almost 3 years now and am very satisfied with it. The performance is good, the website is easy and intuitive to use, and if I have any questions, I get a quick answer via online chat.

    Here also from me a few codes, which are very welcome to use. Thank you in advance 🙂

    iCh4hvB
    RCwsp4B
    bCyCvAC

    Reply

  30. Please use the following codes when registering with viac four new :
    FC4Ssbk
    KCWUsS2
    9CKM5FG
    NC4r1sj

    Reply

  32. Benefit from discount at registration with the following codes:
    MC8nneS
    dCJrXQf
    dCzopnB
    dCqjEHJ
    tCqbtQF

    Reply

  33. I can absolutely recommend VIAC. Clear and inexpensive. Here are a few current codes for 2020:
    XC6LwHZ
    NC2XrHB
    KCmnSQT

    Reply

  36. Hi everyone, I'm really pleased with the app and am happy to send you one-off codes. Thanks to the recommendation, you pay no administration fee on the first CHF 500 of pension assets - for life! 🙌

    RCJH4s3
    QCWWkje
    ZCL3G35
    PC1Q6Uq
    RC69vG1

    Reply

  37. By using a code from the VIAC-Reward program, you will receive an allowance of 500 CHF when you open your account, on which you will not have to pay any administration fee permanently.
    Already missed the moment to enter the code when opening an account?
    Then go to "Profile" at the bottom of the VIAC app and click on "Refer a friend" in the line above.

    Here are a few of my codes, each code can only be used once:

    WCXt9P2

    WCjv3uR

    bCqcbWa

    hCghpKY

    Thank you very much.

    Reply

  38. I can really only recommend VIAC! Great website, great support, good fund selection, low fees - what more could you want?

    If you also want to join VIAC, enter one of the following codes when you register and you won't have to pay an administration fee for the first CHF 500.00 of pension assets - for life! 🙌

    fJUY29s
    dJxEK5d
    xJbxQaX
    AJFYEZv
    mJ1X14v

    Reply

  41. After one year of VIAC and a very good performance, I can recommend everyone to clear their classic pillar 3a bank account and switch to VIAC without any complications.

    Here are some codes with which you can manage the first CHF 500.00 for free:

    BCoiSY3
    VChzAxg

    Reply

  42. VIAC has lowered the fees, which could be especially interesting for investors with high equity weight. Global 100 now has 0.45% total cost with a share anateil of 97%
    Those who want to join now can save additional fees with these friend codes:
    nCgQ4fP
    AC8hUaP
    DCcemnF

    Reply

  43. Use the following code when registering: 2CyJXDX

    Each code can only be used once.

    Use the following code when registering: 7CthZEM

    Each code can only be used once.

    Use the following code when registering: jCVthFk

    Each code can only be used once.

    Use the following code when registering: ACZc25X

    Each code can only be used once.

    Reply

  44. Hello everybody

    Here are some new codes for the registration at Viac.
    Thanks to this code, you pay no administration fee on the first CHF 500.00 of pension assets - for the rest of your life.

    GCxG4J4
    uCWUEdQ
    zCFgS3r
    GChPrMb
    RCx329T

    Greetz

    Reply

  46. Feel free to use one of the following codes when registering. This will save us both fees. THANK YOU!
    HJP3nqu
    7JDCrVJ
    SJdNFWx
    FJfL3V9
    5JKCy1x

    Reply

  47. Ciao zäme,
    am very satisfied with Viac 3a, as well as with the clear app. Depending on the need, also a very detailed overview.
    I can highly recommend!

    Love greetings Dani

    Please use the following codes when registering with viac.

    bC6Ezka

    nC8G42s

    Reply

  50. Please use the following codes when registering with viac :

    SCD8deq

    KCMgihT

    XCf2ghM

    Thank you very much.

    Reply
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