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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.
Hey 👋
VIAC welcome Bonus with Code
KuKH5QK
VIAC manages your first CHF 1,000 free of charge - for life! 🙌
⏩⏩Here are new Viac codes from 28.12.23 ⏪⏪
hcuRw8Z
WD8a53o
v2KBAaf
3QKxRG4
27K6GXG
VIAC manages the first CHF 1,000 free of charge - for life! 🙌
Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌
FiTwUp7
Nt6pZmL
jT1A8YE
Here are a few more codes:
UB5DKDS
UKEgdrV
ShQ3N9x
pRXP2Cb
For spontaneous travellers:
You can open and deposit a 3a account with VIAC up to and including Friday 29 December!
In order for the deposit to count for 2023, the money must be received by VIAC by Friday.
It worked for me!
If you enter one of the following codes at the end of the registration process, VIAC will manage the first CHF 1,000 paid in free of charge and without the usual administration fee - for life!
Let's save on fees together! 🙂
(Please note that capitalisation makes the difference in this case. 😉 )
t72BDWQ
popV2QQ
qpLVJMi
ZsvC6iA
rycCDo6
WJU2JE7
8dPBnPH
I still have three brand new codes, you are welcome to use them:
a9tE3Xx
c1fZWPn
VcmyqDq
Code:
Wmn1rFg
Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌
nNYJr61
aJfVRwr
ZVtr9tU
hJAMT9L
You can still pay into pillar 3a until the end of the year - so you still have a few days left! Enter one of my codes at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
Let's save on fees together! 🙂
wg3HQDe
A2ZgJjj
soMZQ9P
Registration went really well. Thanks for the codes! Deposit credited directly the next day.
Anyone who would still like to pay in this year and benefit together:
Here are a few more codes:
Dn46QQ7
qNCGt5k
hrVvb91
CHF 1000 managed free of charge - for life. Simply enter at the end of the registration process.
(Please note that capitalisation makes the difference in this case. 😉 )
Save administration fees at viac with the code: G2CABwQ
Hi everyone, some other codes here!
NpXSmaX
sqLXDh5
TvaSywy
oKRr5qJ
KbRRs9Y
Hi everyone, I used one of the codes to open my VIAC account - thank you - and now I'm sharing my code, so that anyone looking to open an account with VIAC can benefit as well 🙂
Here it is: ksr82Gx
Grüezi mitenand,
If you follow my recommendation, you pay no management fee on your first CHF 1,000 in pension assets (for your pillar 3a or vested benefits) (for the rest of your life!) 🥳🙌
Simply use one of the codes when you register: (Merci😊)
4JxizoE
33eT3jw
BWxMY1T
QABmkzb
EJsHwtR
Code from 17.12.2023:
lCnLWXZ
1CbKLo8
zC25Exa
Use VIAC for your Pillar 3a or vested benefits like I do! Enter my Code:
6LPBs2U
At the end of the registration and VIAC will manage your first CHF 1'000 for free - for life! 🙌
Hello everybody
I also still have codes available for friends.
Let's both save on fees. I would be delighted.
HJrCvrh
gxZSRSj
QPH1v2U
qeUJYgQ
cWApX7T
Here is a new code for you.
Works great!
7MWKKyz
Good luck with your savings.
Current invitation code:
KCuYris
xy9y2qS
vMznhKd
Here's a valid code for a welcome bonus!
cALEe3m
(1000 CHF free of fees)
Hello everybody
I also still have codes available for friends.
Let's both save on fees. I would be delighted.
LDtDB4V
odd8yqw
qqCKdsf
HjWYuXC
KFfQp3Q
Dear greetings
Hi to you
Like me, use VIAC for your pillar 3a or vested benefits!
Enter one of the codes below at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life!
Each code can only be used once.
yFz3DZo
PxtNCJj
w7TTe89
ifAeVPi
qjk5FhG
Thanks for the great post!
Here are two fresh codes from December 2023:
ZpS2GFN
4dA58Gu
Enter my code K3wz1UL at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
New solved codes for Viac:
dc4FQjX
VwcGkVy
Have had Viac since 2019 and can absolutely recommend it!
Here is another new code for VIAC:
iqqdAQH
I can only recommend VIAC!
does anyone have new codes?
Of course:
W6NAG8c
Best regards
Luke
Hey 👋
Enter my Code pP4iXTg at the end of the registration and VIAC will manage your first CHF 1'000 for free - for life! 🙌
New codes to benefit at VIAC!
HbXKYBj
oFmPyxY
PXawHSG
Use one of the following codes to invest CHF 1000 free of charge for life with Viac:
Using one of the following codes allows you to invest 1000 CHF lifelong without fees at Viac:
9MHKGmK
xe37rbw
Lukggg4
FS4VuCe
5WdLByg
Saving tax towards the end of the year?
No problem: pay into a 3a account and save the fees on your first 1000.
EQMBZx1
FJa1nCT
Fresh codes 15.11.2023
574bcLi
rkJ2byj
Greetings!
Here are some additional new VIAC codes. Would be very nice if someone used them so that we both can benefit from lower fees - thank you!
Best regards, Trey
7qNtFf4
epNh61c
LxPFZK7
TYDBngf
cQMXjVR
Viac is great: here are three current codes for free administration of the first CHF 1000:
r9tKfUa
wa96PJr
oDsTcod
Here are some new VIAC codes again. Would be very nice if someone would use them so that we can both benefit from more favourable fees.
LG, Trey
cQMXjVR
7qNtFf4
epNh61c
LxPFZK7
TYDBngf
Here are some brand new codes for you:
7qNtFf4
epNh61c
LxPFZK7
TYDBngf
cQMXjVR
This means you pay no administration fee on the first CHF 1000.- of pension assets - lifelong!
If you don't want to pay an administration fee for the first CHF 1000 at VIAC, you are welcome to use one of the two codes when registering:
tdoMFNG
q4rttFJ
Have fun
Merci for the contribution!
Enregistre mon code SN3AzQP à la fin de l'inscription et VIAC gère gratuitement tes premiers CHF 1'000 - pour toute la vie! 🙌
Here is a new Viac code
⏩⏩⏩⏩8dgz3AY⏪⏪⏪⏪
VIAC manages your first CHF 1,000 free of charge - for life! 🙌
Very good article that summarises everything. I'm also with Viac myself and am very satisfied.
Viac is a great provider for pension provision.
The code for the tax-free amount must be entered in the last step. After you have completed everything.
If you are registering for the first time, it would be nice if you could use one of these two codes.
6FSNvpc
zJHN5cf
How VIAC manages your first CHF 1,000 free of charge - for life! 🙌
Grüezi mitenand,
If you follow my recommendation, you pay no management fee on your first CHF 1,000 in pension assets (for your pillar 3a or vested benefits) (for the rest of your life!) 🥳🙌
Simply use one of the codes when you register: (Merci😊)
jQ2rHfH
9E7qBFa
qywA5hN
S3ZoWFp
VVJ5szt
Hello,
Here is a fresh code for November also.
G3A77fc
Enjoy your trip with VIAC!
Hello everybody
Here are fresh codes (November 2023) that VIAC will use to manage your first CHF 1,000 free for life!
mfJQG9A
R2H7AzC
NNts2Mn
CcQmBKA
EDVksKz
WGrwjJE
Kind regards
Thanks for the great post!
Here are two fresh codes from November 2023:
D6GoZri
c6k7nkn
Hey 👋
Do you know the VIAC app? Use VIAC for your Pillar 3a like me
Enter my code Zt1Da1L at the end of registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌
Each code can only be used once.
More on http://www.viac.ch
Zt1Da1L
WJqvEkd
shBq26A
Q88tvj3
XZLmiLB
PjhWkcS
Here are also three fresh codes for 1000 chf free at VIAC
RTB5kso
sGvnLkW
7MDoXmP
VIAC Codes:
1,500 Allowance
RWWMdWB
18fjFgW
Have a few codes here for VIAC to manage the first CHF 1000 free of charge:
Pgq8WgG
2nPoisk
p9tVT1f
NfsdTcN
aSP1BaT
Dear Reader
With one of these codes, you can open a pillar 3a account with Viac and benefit from investing CHF 1,000 free of charge until you retire. In my opinion, Viac is also very inexpensive and simple in other respects:
K8f76Vx
8CsKV9n
i66ZexL
I too can only recommend Viac. I've had it almost since the launch and am simply satisfied. Low fees and otherwise a very cool app.
Also I would still have friendship codes to give out if anyone wants them.
P4v7fUM
XVsqeUu
QtXaPyV
SSmADD2
jejRNFB
I would be happy if it works out for one or the other and we can save together.
Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌
tMkknZJ
6cquPQt
ZVtr9tU
hJAMT9L
o54BWxC
Here are two brand new codes:
nNYJr61
aJfVRwr
VIAC is a great possibility to get the best of your 3a. 💰
Use one of these codes to get a welcome bonus!
Codes👇🏼
tpMcd2K
3YbQQ4S
ZxKgupz