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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.
Here is another new VIAC code
Code: E6XJRU7
Viac Code from 13.06.2023
Code: TgRGVPt
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!
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
fresh codes:
K2VCHPE
NgCyw9z
dVm7Y8D
aVuvchT
mXzdBsq
Got a new Viac friends code:
tzD4Yy6
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
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
Use the following code for registration:
uHnTm6A
oPGrjJS
ZMeKtqT
Each code can only be used once.
iOS: http://www.viac.ch/appstore
Android: http://www.viac.ch/playstore
Huawei AppGallery: http://www.viac.ch/appgallery
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
We think the solution with Viac is great, here are two new codes to save administration fees:
qLZ86t4
hf3Sbar
Have fun 🙂
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!
Here's another code:
fszvjCj
Fresh working codes:
4nWxudp
tDb53cH
CVzxkR3
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.
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 !
Here are 5 VIAC partner codes to avoid paying fees on your first 1000.- per year
cKXJroU
kZhH741
n2mnErb
ZxKstuZ
WWKFruY
thanks for the article! here are some codes encase anyone needs some:
2iFUciZ
PeDoRyq
SQSoaeN
zKxcyWL
bPaktVK
E29VEp7
Thanks for the article! Here are some codes in case anyone still needs some:
2iFUciZ
PeDoRyq
SQSoaeN
zKxcyWL
bPaktVK
E29VEp7
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
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
Hi
Here are three new codes to open a VIAC account:
NChsJPP
pdepzFN
nH2X3eV
Many thanks!
Super App.
Use the following code when registering: 6ZNLNHw
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
Update from 2 May 2023
new codes
DdZBQbX
gZUCAb9
PqMV4mL
YgX8fne
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
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
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
Three fresh codes so you pay no administration fee on the first CHF 1000 of pension assets - for life! 🙌
pScTq9f
ywZEEH9
A7pqCR1
Here are new VIAC codes. Have fun 🙂
k9hBB2F
EpgM135
NUGLaUY
Hello all. Some new VIAC codes working (to avoid fees on 1000 CHF for life):
> 3Ys83GS
> e5tun2o
> AmAwgL2
> zGLER5L
Thank you to everyone
New savings code for new customers 🙂
xLewb2B
Thank you
New fresh codes 👍👍👍
Code: JmnZ3K1
Code: L3CsMg4
Code: xP3tMTa
Code: UHsPpV6
Code: FUmUHQ8
New code
EC11d5y
e1DGsCG
5mrMhBR
Here is my code:
tiW2HcS
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
A new code:
8C3zBRy
Many thanks
Promo code to invest your first CHF 1,000 without fees:
HCHU27j
Code can only be used once.
Top contribution! Here are the current codes:
aCzTE4N
HCG6Jrp
UCDtMaq
uC27547
SCZkzXx
Only good experiences with VIAC
Use the fresh code to save:
gCpbaz5
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
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
🎊 🚀▶️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! 🙌
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!
Brand new codes, enjoy! 🙂
4CbDg9a
bCchYjd
uC9sors
New codes:
fCn2u2q
KCVUERW
DCDC3Ef
4CK5L87
QCC1Hgb
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!
Here are new VIAC codes. Have fun 🙂
tC8KKdM
jCH1Dao
4CbDg9a
bCchYjd
uC9sors
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
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
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
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.