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.

Our financial tips for 2026

"Intelligent people learn from the mistakes of others".

We have compiled our top selection for you from all our tests and experience reports:

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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. Hey 👋

    Here are 3 codes you can use to save CHF 1,000 on fees🙌

    WgcKWR1
    wVPn6Dy
    M9pE6Rp
    qntqmpo

    Have fun with it!

    Reply

  2. Hey 👋

    Here are 3 codes you can use to save CHF 1,000 on fees🙌

    WgcKWR1
    wVPn6Dy
    M9pE6Rp

    Have fun with it!

    Reply

  3. Hi together
    Here are a few fresh referral codes (February 2024) that will get your first CHF 1,000 managed by VIAC for free:
    KJwxW3a
    KziPEKc
    Good luck!
    Reto

    Reply

  4. hi zama,

    i also have a few viac codes for the first 1000 chf free...have fun

    EaYtTuH

    crNUvUJ

    xXqQvqj

    AhUg498

    3bqoXjh

    Reply

  5. The cost ceiling at VIAC is apparently one per mille higher than at a competitor. But if you open your account with a code (see below) and refer five friends yourself if you are satisfied, you can reduce the costs even further. And even then: VIAC really does include everything: TER, deposit and VAT, which is not the case with some competitors.

    sA8QEg5
    FMi6RyS

    The fee waiver is valid for life (for both of us). The coupons are only valid once (so if someone else was quicker, try the next one).

    Reply

  6. Hello everybody
    Here are two more special codes to save CHF 2,000 on administration fees:
    Pk8vbJP
    NUr4x7Y
    Kind regards

    Reply

  7. Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌
    Each code can only be used once.
    Many thanks and best regards

    wvtyzgr

    MnxvvjU

    CCQhzFc

    Reply

  8. I just read an article recently that most people make the mistake of not opening their 3a account or making a deposit until the end of the year.
    Don't make this mistake 🙂 I have a few codes for you on how to manage your first CHF 1,000 free for life. I opened my account in December and also benefited from a code:

    uWR5qHj
    FxvYHgq

    Kind regards

    Reply

  9. Use VIAC for your Pillar 3a like I do!
    Enter my Code at the end of the registration and VIAC will manage your first CHF 1'000 for free - for life! 🙌

    qLi4RYh

    Reply

  11. Hello everybody,
    Enter my code at the end of the registration and VIAC will manage your first CHF 1'000 for free - for life! 🙌

    7jPSGJf

    Reply

  13. Hello dear Swiss-French community!

    I am completely NEW to the world of finance and have now opened an account with Viac in 2024. This is the first year that I am paying into pillar 3a and I have set myself the goal of paying in the maximum contribution:
    Since I was also able to benefit from the codes of the community, I am releasing a few more codes here and would be grateful if someone would use the codes!

    xWxKnqY

    WmQT4dZ

    Reply

  15. I also registered yesterday dei Viac
    I already use Frankly and Finpension.
    I am curious to see how VIAC behaves.

    Here is a code GvSZTT3 if anyone is interested in registering.

    Reply

  16. Thanks for the great contribution! I can highly recommend VIAC.
    Here is another code for the free lifelong management of a CHF 1000 allowance to benefit together:

    7xoT5eL

    Merci 🙂

    Reply

  17. Thanks for the informative report! Inexpensive, great pillar 3a solution - registration and handling is super easy!
    Here are a few fresh codes for the free lifelong management of a CHF 1000 allowance (each code can only be used once):
    PdX5Dkc
    eEqzKCs
    SUEMVZK
    avbtaAP
    Q4efXij

    Reply

  18. Thank you very much for the great contribution, which has confirmed my choice in favour of VIAC.
    Please use the following codes (one-time) at the end of your registration and VIAC will manage your first CHF 1,000 free of charge - for life!

    21NTRQa
    Hkrkix5
    x9Bm8TV

    Many thanks and good saving 🙂

    Reply

  19. Enter my code 51WWLvg at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life!

    Reply

  20. Here is another code for the free lifelong management of a CHF 1000 allowance to benefit together:

    X3kZgPH

    Thank you 🙂

    Reply

  22. Super 3A solution with the best support!

    Enter the code qp2bBCg at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
    More codes
    Xkc777s /
    wdB1Ljr /
    hyVQ6ww

    Each code is only valid once

    Reply

  23. Grüezi mitenand,
    if you follow my recommendation, you pay no management fee on your first CHF 1000 of 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)

    xQkLxFf
    rZQ6eht
    vHNNsnY
    LdzovsW
    s7uF2AE

    Reply

  24. Very informative article and good, clear pillar 3a comparison. Thank you!
    I have also enclosed a few codes for the free lifelong management of a CHF 1000 allowance so that we can benefit together.

    bcCH2oi
    HEaV2Gp
    zxUAm84
    4jzjzW4
    bMZ6U5d

    Reply

  25. Anyone who would also like to benefit together.
    I would also like to enclose a few codes for the free lifelong management of a CHF 1000 allowance.
    Simply enter the code at the end of the registration process and VIAC will manage the first CHF 1,000 free of charge - for life!

    smgdLra
    MCcsX6G
    2c7YSWP
    bcCH2oi
    HEaV2Gp

    Each code can only be used once

    Reply

  27. Super 3A solution with the best support!

    Enter the code qp2bBCg at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
    More codes
    Xkc777s /
    wdB1Ljr /
    hyVQ6ww

    Each code is only valid once

    Reply

  28. Super 3A solution with the best support!

    Enter the code qp2bBCg at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
    More codes
    Xkc777s
    wdB1Ljr
    hyVQ6ww

    Each code is only valid once

    Reply

  29. Hello everybody
    Can highly recommend VIAC, here would be a few codes fresh of the press. Merci for need! 🙂

    5pmcSSA
    Gf2C7c4
    ESonFPm

    Reply

  30. Great blog and really helpful article on pillar 3a. Please keep up the good work!
    Opening and first deposits went smoothly. Very satisfied so far. Well thought-out app and web application. Absolutely clear, even for complete beginners (like me) 😉

    I have therefore also enclosed a few codes for the free lifelong management of a CHF 1000 allowance.
    Simply enter the code at the end of the registration process and VIAC will manage the first CHF 1,000 free of charge - for life!

    zxUAm84
    4jzjzW4
    bMZ6U5d
    RSp19Bg
    xtVuaTZ

    PS:
    - Please note that the letters are case sensitive.
    - Each code can only be used once. Please write a short reply to Kommi telling us which code you have used so that others can benefit directly without much trial and error 😉.

    Reply

  31. Thank you for the very informative article and the clear Pillar 3a comparison. It was a great help in making the right choice. Thank you for your overall great work here on this helpful blog.
    I have now decided to start with VIAC. Registration and first deposit went smoothly. Thanks for the code for the allowance!
    I would also like to enclose a few codes for the free lifelong management of a CHF 1000 allowance.
    Simply enter the code at the end of the registration process and VIAC will manage the first CHF 1,000 free of charge - for life!
    Who would like to profit together:

    smgdLra
    MCcsX6G
    2c7YSWP
    bcCH2oi
    HEaV2Gp

    Each code can only be used once.
    Capitalisation makes all the difference 😉

    Reply

  33. Hi thrifty foxes
    Here are a few fresh referral codes with which VIAC can manage CHF 1000 for you free of charge:

    CL9hwmW
    TttqgCi

    Good luck for 2024!
    Kind regards
    Sophie

    Reply

  34. Salute!
    Thanks to my recommendation, you pay no management fee on your first CHF 1,000 in pension assets (for your pillar 3a or vested benefits) 🥳🙌
    Simply use one of the codes when you register: (Thank you very much😊)

    hwGSJme
    HmLtUfr
    2tmttpk
    2QvevPv
    QAig1kN

    Reply

  35. Please use my code 🙂

    JBr3AcG

    at the end of the registration and VIAC will manage your first CHF 1'000 for free - for life! 🙌

    Reply

  37. Thanks for the great contribution and the explanation!
    Early pillar 3a payments will still be worthwhile in 2024 in order to benefit from the compound interest effect.
    So I immediately started to set up my standing order with Viac.
    Enclosed are a few codes for the free lifelong management of a CHF 1000 allowance.
    Simply enter the code at the end of the registration process and VIAC will manage the first CHF 1,000 free of charge - for life!
    Anyone who would like to benefit together this year:

    xJ1nniR
    C3fWwdz
    jr7WdXj
    WNV4R6H

    Each code can only be used once. So please reply to this comment to tell us which code you have used so that others can also benefit and know which codes are still available and don't have to try them forever.
    🙂
    Please note that capitalisation makes all the difference in this case. 😉

    Reply

  38. Hello everybody
    Enclosed are my codes. Saving is worthwhile for both of us:
    eBTrhcd
    HMVeBaU
    nPB4s8v
    t9SJQrw
    X6ZjRXD
    DEZ1Ngn
    e2FnTYw

    Reply

  39. Make an exemplary start to the new year and take care of your pillar 3a now! 😀
    Enter one of my codes at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
    Let's save on fees together! 😉

    Ssgu8Md

    5jdCCkC

    GVGGKWQ

    Reply

  41. Here are two current codes to avoid paying any management fees on the first CHF 1,000.00 for the rest of your life:
    K1RgCnJ
    kpc5oyx

    Reply

  43. Hello

    Here are current codes for the first CHF 1,000 without fees at VIAC:

    8JepZ1F
    xmzpSSr
    zHEALj3
    3t6jaMH
    Jz7DBYg

    Reply

  44. New year, new luck 🙂

    Here are three current codes to benefit from CHF 1,000 free managed 3rd pillar money as a new customer at Viac. Please note - each code is only valid once:

    yUCoMU6

    9UqfGR1

    TuvLJh9

    Reply

  45. Salute!
    Thanks to my recommendation, you pay no management fee on your first CHF 1,000 in pension assets (for your pillar 3a or vested benefits) 🥳🙌
    Simply use one of the codes when you register: (Thank you very much😊)

    bBfWpxx
    ueGX7Mb
    1hi4iHo
    dVgFW8r
    gEFaW8E

    Reply

  48. Hi,

    I've been using VIAC for a year now and I must say I'm pretty happy to have left my old non lucrative 3A life insurance 😉.

    Please find below some welcome codes you can use at the end of the registration to get your first CHF 1'000 managed by VIAC for free - for life! 🙌

    Each code can only be used once :

    bVZ8knJ
    wPRLj5J
    V6VKvCB
    HkR3zbd

    Regards
    Jean-Marc

    Reply

  49. Thanks for the great contribution and the explanation!
    I opened the 3a account with VIAC yesterday and the deposit has already been booked today. Really great performance of the booking from one day to the next.
    Payments received up to and including 29 December 2023 can therefore still be taken into account as a payment for pillar 3a in 2023.
    Enclosed are a few codes for the free lifelong management of a CHF 1000 allowance.
    Simply enter the code at the end of the registration process and VIAC will manage the first CHF 1,000 free of charge - for life!
    Anyone who would still like to pay in this year and benefit together:

    xJ1nniR
    C3fWwdz
    jr7WdXj
    WNV4R6H

    Each code can only be used once. So please reply to this comment to tell us which code you have used so that the next ones can also benefit. Thank you 🙂
    Please note that capitalisation makes all the difference in this case. 😉

    Reply

  50. It's not too late - you can still pay in for your pillar 3a for 2023 until Friday morning (29 December)! But you'd better complete the registration and transfer today! 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! 🙂

    GVGGKWQ

    5jdCCkC

    Ssgu8Md

    Reply
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Cover: Pension Guide – Planning for the Future with Peace of Mind

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