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

  3. I can recommend the app. Here are new fresh codes for the first CHF 1,000 with no administration fee:

    - K2VCHPE
    - NgCyw9z
    - dVm7Y8D
    - aVuvchT
    - mXzdBsq

    Have fun!

    Reply

  4. Use one of the following current referral codes for your new registration and pay no administration fee on your first CHF 1,000 of pension assets for life with Viac:
    t1mcGJx
    vCz7ute
    hnL6xvN
    ee9iWic

    Reply

  7. Use one of the following referral codes for your new registration and pay no administration fee on your first CHF 1,000 of pension assets for life with Viac:

    7ZdbF8X

    Reply

  8. You are welcome to use one of the following codes when registering:
    This means you pay no administration fee on your first CHF 1,000 with Viac:
    3NcoADt
    dHaHUZK
    mSryfma

    Reply

  10. Here are 3 brand new codes for registering with VIAC 🙂. If you use one of them, we can both benefit from lower fees, thank you very much!
    This means you pay no administration fee on the first CHF 1,000.00 of pension assets - for life!
    jiXQG7i
    hR74Df2
    mXX33gw

    Reply

  11. We think the solution with Viac is great, here are two new codes to save administration fees:

    qLZ86t4
    hf3Sbar

    Have fun 🙂

    Reply

  12. Can only recommend VIAC and since it still has so few promo codes here, a few more 😉

    - KUuLVer
    - QtXciXC

    and if someone still needs a super digital bank, I can recommend Neon, also there you can save the card fee with QJVECV 🙂

    Have fun with it!

    Reply

  15. Hello

    Still have codes for pillar 3a and/or vested benefits account

    Viac code sows 3a

    TwYroTf
    G66JBgM

    Viac Vested Benefits Account Code:
    KYT3yQQ

    I have both and am very satisfied.

    Reply

  16. Hello !

    Here are four brand new invitation codes. You can use it when registering to avoid paying administration fees on the first CHF 1000 for life:
    - oaJQkqU
    - sUZj7Wy
    - E35LoWv
    - KAjuf6R

    Thanks, and good luck !

    Reply

  17. Here are 5 VIAC partner codes to avoid paying fees on your first 1000.- per year

    cKXJroU
    kZhH741
    n2mnErb
    ZxKstuZ
    WWKFruY

    Reply

  18. thanks for the article! here are some codes encase anyone needs some:

    2iFUciZ
    PeDoRyq
    SQSoaeN
    zKxcyWL
    bPaktVK
    E29VEp7

    Reply

  19. Thanks for the article! Here are some codes in case anyone still needs some:

    2iFUciZ
    PeDoRyq
    SQSoaeN
    zKxcyWL
    bPaktVK
    E29VEp7

    Reply

  20. Use one of the codes below when you register with Viac for your 3rd pillar. This allows you to manage and invest CHF 1,000 free of charge. And for an unlimited period.

    jvmCdfo

    zrCpyMw

    tNgKjab

    Reply

  21. VIAC is a good thing, I am convinced.
    Here is a new code with which you will not pay any administration fees on the first CHF 1,000.00. And that for the entire term:
    Rc7xSaA

    Reply

  22. Hi

    Here are three new codes to open a VIAC account:

    NChsJPP

    pdepzFN

    nH2X3eV

    Many thanks!

    Reply

  24. The Viac solution is simple and straightforward! I am thrilled!
    If you also want to be one of the new Viac customers, like me, you will not pay any administration fees for the first 1000 CHF with the following code.
    Simply enter the following code (when opening your VIAC account)
    a8oiku1

    Reply

  25. For all Viac new customers who want to benefit from an allowance of 1000 CHF on which no administration fee has to be paid, here are a few new invitation codes:

    No7VKxc

    fcYyrUn

    8Sc8NYj

    FbEvvfM

    mrrMEEv

    Reply

  26. Very good report! High praise for it. Thank you!

    Use the following codes when registering to avoid paying administration fees on the first CHF 1000 for life:

    YbxF8y1

    3Ug7SZs

    wKmetT5

    Reply

  27. Many thanks for the informative report, schwiizerfranke!
    New Viac codes here: This means you pay no administration fee on your first CHF 1,000 with Viac.
    zpRSKDn
    RTafr7c
    GuSPkG9

    Reply

  28. Three fresh codes so you pay no administration fee on the first CHF 1000 of pension assets - for life! 🙌

    pScTq9f
    ywZEEH9
    A7pqCR1

    Reply

  30. Hello all. Some new VIAC codes working (to avoid fees on 1000 CHF for life):

    > 3Ys83GS

    > e5tun2o

    > AmAwgL2

    > zGLER5L

    Thank you to everyone

    Reply

  32. New fresh codes 👍👍👍

    Code: JmnZ3K1

    Code: L3CsMg4

    Code: xP3tMTa

    Code: UHsPpV6

    Code: FUmUHQ8

    Reply

  35. Hi,

    Good news ! Since March 1st 2023, the maximum fees have been lowered to 0,40%.

    Here are some fresh new codes:
    - tEnB7f1
    - DfZyJMu
    - iv588AC

    Reply

  37. Promo code to invest your first CHF 1,000 without fees:

    HCHU27j

    Code can only be used once.

    Reply

  40. 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:
    jC62rmF

    Reply

  41. Thanks to Robin's recommendation, you pay no administration fee on the first CHF 1,000.00 of pension assets - for life! 🙌

    Use the following code when registering: MCDzXGP

    Reply

  42. 🎊 🚀▶️Liebe community, here is a new VIAC code: ◀️🎊 🚀

    ▶️▶️▶️ 3Ckey2T◀️◀️◀️

    Best of all, thanks to this code l you pay no administration fee on the first CHF 1000 of pension assets - for life! 🙌

    Reply

  43. Hello!

    Having joined VIAC in December I can say it is a great 3rd pillar, and I am very satisfied with the choice (already grew my investment by 4%)!
    Use one of the codes below for 2023 - each of them offers you 1000 CHF managed for free (for life!) when joining VIAC!

    FCzviTR
    yCokcH1
    PCey1kc
    pC78Xxx

    Good luck with your investments!

    Reply

    1. Do you want to invest the first CHF 1,000 without fees (for life)?
      Then you are welcome to use one of these codes:

      7CVUt1e
      HCySbZ3
      SCQWxtg
      cCYA86G

      Have fun taking precautions!

      Reply

  47. Thanks to the code, you pay no administration fee on the first CHF 1,000 of pension assets - for life! 🙌

    Use the following code when registering: 2CyEpTP

    Reply

  48. Sandro recommends the VIAC app for your Pillar 3a pension.

    If, like Sandro, you want to benefit from the unrivalled low fees, download the VIAC app now.

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

    Use the following code when registering: TCGiTY3
    pC5y4X8
    yCzM1AW

    Reply

  49. Use one of the following referral codes for your new registration and pay no administration fee on your first CHF 1,000 of pension assets for life with Viac:
    9CSPu8E
    eCSFefZ
    7CV7HBL

    Reply

  50. Hello all,
    Here's some new Viac codes: you will pay no administration fee on the first CHF 1000 of pension assets - for life.
    Use one of the following codes for registration:
    ACvLTke
    DChTu4M
    DCeS1Mt
    NCbhJEu
    qCwa3jG
    Each code can only be used once.

    Reply
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