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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.  

1,973 responses

  3. The best thing: Thanks to Viac's referral codes, you pay no administration fee on the first CHF 1,000.00 of pension assets - for life! Simply use one of the following codes when you register:
    jCDU3Dc
    5Cjot9P
    bCSbi7Y
    mCnParw

    Reply

  6. Hello all,
    I've been using Viac for a year and I'm thrilled. I will gladly send you new codes so that you can also benefit (01.02.23)

    You pay no administration fee on the first CHF 1000 of pension assets - for life! 🙌

    Use the following code for registration:
    sCRNS1A
    fCCoHa3
    MC7tPW7
    bCEeu2S
    9CH1peA

    Each code can only be used once.

    Reply

  7. Hello everybody

    Cool finance blog!
    A few fresh Viac codes from me as well:
    6C5w6rb
    vCCxiuN
    uC2GS4B
    ECDxNFn

    Reply

  8. Hello everybody
    Thank you at this point for the super report on your experience! I immediately registered with VIAC.

    Here are my codes:
    6C5w6rb
    vCCxiuN
    uC2GS4B
    ECDxNFn

    Greetings to the community 🙂

    Reply

  11. Here are a few current codes for your use.

    PCaUfL1
    cCagrcS
    2CPWEqk
    qCJXBaK
    eCabGyh

    Good luck with your investment!

    Reply

  16. Also from me new, working codes for your use.

    LCva8Nv
    oCLnG6R
    1CXyoZS
    bCAsygH

    Have fun with it and thank you very much!

    Reply

  17. Hello everybody
    Thanks to Viac's referral codes, you pay no administration fee on the first CHF 1,000.00 of pension assets - for life! Simply use one of the following codes when you register:
    FCyHLT2
    xCi7Xsd
    ZCcAsnC
    9Cq8SvL

    Reply

  18. Hello each other
    here is another topical code:
    HCUjsRj
    You too can benefit from the life situation reduction
    with this voucher to CHF 1000.00
    Greetings 😊

    Reply

  21. Hello zämä,
    New year, new pillar 3a?
    Then open your account with Viac and save the fees on your first 1000 CHF with the following code:
    1Chu1ZK

    Reply

  22. Great article! I have just opened an account and for all those who are also convinced - here are a few codes
    -pCXnTNk
    -6CcvYwp
    -qCDwrjf
    -aC4jYcP

    Simply enter it at the end of the registration process. Have fun!

    Reply

  23. 🎊 🚀▶Dear community, here is a new VIAC code: ◀🎊 🚀

    ▶▶▶ SC72jaG◀◀◀

    The best thing: thanks to this code, you pay no administration fee on the first CHF 1,000 of pension assets - for life! 🙌

    Reply

    1. Hello! New codes for 2023 - each of them offers 1000 CHF managed for free when joining VIAC!
      yCmBeLr
      xCVmQZA
      uCjQtxx
      hC61rcz
      1CwPFhZ

      Good luck with your investments!

      Reply

  27. New year, new chance to save for Pillar 3.
    Here are a few codes to help with http://www.viac.ch pay no administration fee on the first CHF 1,000 of pension assets - forever. Thank you for using the registration
    VCySCXV
    aCFqGH6
    vCbkX4o
    ZCTcnrL

    Reply

  28. More may be deposited in the new year 2023 and save fees with the fresh code! 🙂

    5C5uLkQ

    Have fun

    Reply

  29. Here are a few fresh codes for VIAC (Jan 2023)

    pCpHeuj
    fCYnaih
    uCkauet
    eCJ6bmb
    fCmuiti
    QC8DJv6
    hCcSQ2P
    vCMWUtw
    yCDfKHg
    aCRuryJ

    Reply

  30. Thank you for the article.

    Here are three more codes:

    qCGDKis
    jCbTzGU
    PCEGwWc

    If you use it, you also pay no administration fee on the first CHF 1,000.00 of pension assets - for life!

    Reply

  32. New year, new opportunity to feed the 3rd pillar. From 2023, you can pay in a little more 😉
    Here are a few more codes. With these you can pay for http://www.viac.ch No administration fee on the first CHF 1,000 of pension assets - forever.
    eCLfi1X
    HCxoLDD
    wCYg9zT

    Reply

  33. Hello zämä,
    New year, new pillar 3a?
    Then open your account with Viac and save on fees with the following code:
    GCoVAnd
    MCpNMqV
    HCvB9BX

    Reply

  35. Hoi zäme, gern schicki euch neui Codes vom 1.1.23.

    You pay no administration fee on the first CHF 1,000 of pension assets - for life! 🙌

    Use the following code when registering: QCVuZtc
    wCMro1J
    zCFdtwW
    6CnRv3u
    1CLPAjE

    Each code can only be used once.

    Reply

  36. The best thing: thanks to the recommendation, you pay no administration fee on the first CHF 1,000.00 of pension assets - for life!
    Simply use one of the following codes when registering:
    YCuwtUy
    xCiuQ29
    XCP6v48
    1CjbpG6

    Reply

  37. Still great to have this report updated, Thanks
    I also have some codes left:
    gCYwnXz
    YCPVqZF
    oCqqazU
    aCUdNe4
    wChyoGn

    Reply

  39. Current codes for the first CHF 1,000 without fees:

    CCTXg8N

    UCk3wca

    RCX5Mmc

    7CFbdNL

    ECE1SZB

    Have fun saving!

    Reply

  41. And every year the VIAC codes trickle down.

    Please use one of the following codes when registering:
    RCZrt4W
    BCCzYdg
    oCYfGPG

    Reply

  49. Hello everybody
    I also have some Viac codes.
    Use the following code for registration:
    QCizKUH
    qChxAwZ

    Greetings
    Cyrill

    Reply
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