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.
Hi Zeme 🙂
If anyone else needs a code:
QNV1RYE
You are welcome to take mine.
Thank you very much and have fun with Viac!!! 🙂
Hello everyone / Hoi zame,
Happy new year to all! To kick the year of well here some VIAC pillar 3a / invest bonus codes for you.
i12pSCR
WSTxBCv
NS7jE5M
ddbq3A3
rzYZ5Nu
Good luck with your investment!
LG Jerome
Hi to you
New Viac Code from 11 January 2026:
CGjSmtS
VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
Kind regards
Steffi
Hi, everybody.
Here are a few current VIAC Welcome Codes:
NzamKtT
vXd54W2
5UcYH6n
The codes are only valid once.
Good luck!
Best regards
Marc
Hello would be nice
Here are a few more discount codes:
coGZjjj
1TadJ43
8dN8rYv
HJMKCLV
f3sM4dX
Good luck with your investment.
Kind regards
Nadja
Hello everybody
Enter one of the codes below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
Current codes: if one no longer works, simply try the next one
PKU19GP
RdcrjFx
irpMY7A
Many thanks
Greetings
Hello each other
Here are a few more discount codes:
XucfHf6
ypJDe7T
DpNgrm8
dohMxwB
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).
Best regards
Benjamin
Like me, use VIAC for your pillar 3a, vested benefits or the investment of your free assets!
Enter my code at the end of the registration process:
6eEM4xr
utgJRDQ
NyBaRqT
hezG58V
X2ybZu1
Cu4gbmn
x2z4tT1
f4jNvth
VIAC will then manage your first CHF 1,000 free of charge – for life! 🙌
Each code can only be used once (copy & paste). So just try them until one of the above works. Have fun!
Hello,
Start the new year with good intentions and set up a 3a solution with a standing order right away?
Viac makes it possible, and at the end of the registration process, Viac will provide you with the code:
6CVhCDK
Waive the fees for the first £1,000 for life!
Wishing you many wonderful experiences in the new year
Luke
Here is a new code for the £1,000 allowance at Viac:
afxPmyD
Greetings
Marco
Good morning, everyone.
Here is a current welcome code for VIAC
Cjw2WE5
Good luck!
Best regards
Marc
Enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
UZ1a14Q
Hello
Thanks to my recommendation, you won't pay any management fees on your first CHF 1,000 in pension assets (for your pillar 3a, vested benefits or investments) 🥳🙌
Simply use one of the codes when registering. Codes can only be used once, so just keep trying if one does not work.
m5xTpVQ
YhuVfFa
EVyN2zW
BpMmqbU
2doFjdS
S5qxzDq
aHv2nvS
Viac Code dated 27 December 2025:
9bGVbuG
VIAC manages your first CHF 1,000 free of charge – for life!
At the end of the registration process, enter one of the codes below and VIAC will manage your first CHF 1,000 free of charge – for life!
–
Current codes: (if one no longer works, simply try the next one)
–
StzyQ7k
o1C3mgn
esNBzFn
PKfvb5z
–
Thank you very much! & Happy Holidays 🙂
Best regards Nicci
Enter one of the codes at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge – for life! 🙌
h42aCrP
mX3fVA7
YHKmr7P
Each code can only be used once.
I've done it myself, and it works perfectly!
Please use my code:
fpg2fAJ
Thank you.
New Viac Code dated 24 December 2025:
m3eFDoL
VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
New Viac Code dated 22 December 2025:
AKYCHhU
VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
Please use my code:
fpg2fAJ
Thank you.
New code for Viac!
HDQmHcy
All the best!
Please use this code:
6eA6Qgq
Hello everybody
Enter one of the codes below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
Current codes: if one no longer works, simply try the next one
AB2Vk6j
wgtWuTA
TaUQDRG
Many thanks
Greetings
At the end of the registration process, enter one of the codes below and VIAC will manage your first CHF 1,000 free of charge – for life! 🙌
Le7EvaA
XSXNqUZ
1KtwMVt
I've done it myself, and it works perfectly!
Hey 👋
Do you know the VIAC app? Like me, use VIAC for your pillar 3a, vested benefits or the investment of your free assets!
At the end of the registration process, enter my code qtXveU6 and VIAC will manage your first £1,000 free of charge – for life! 🙌
More on http://www.viac.ch
New Viac Code dated 11 December 2025:
ffdyNEb
VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
Dear Swiss franc community
Enter my code at the end of the registration process
KLB8R9P
EC8Sg6V
KxuxEG6
ELiyWNW
and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
Each code can only be used once.
Hey 👋
Do you know the VIAC app? Like me, use VIAC for your pillar 3a, vested benefits or the investment of your free assets!
At the end of the registration process, enter my code 6UFmCwa and VIAC will manage your first CHF 1,000 free of charge – for life! 🙌
Each code can only be used once.
iOS: http://www.viac.ch/appstore
Android: http://www.viac.ch/playstore
Huawei: http://www.viac.ch/appgallery
Enter one of the codes at the end of the registration process.
8bJ5BhH
Fv641Jp
ApzuRP4
and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
Works perfectly!
December 2025 codes, have fun 🙂
t4J6Zs3
ypBdThe
jvxXqTy
PBisJuU
Hey
At the end of the registration process, enter the code
gs8rScv
a
and VIAC manages your first CHF 1,000 free of charge - for life! 🙌
Each code can only be used once.
QXCT6Cc
jy9TEgM
TYvSGe3
A new code:
EqDxUeP
Many thanks
Current code to save the fees on the first CHF 1000 of managed funds:
K1s4Pip
Here are a few codes
2rGJWHS
K58VL1U
Yzsskrp
VIAC Code:
eMR6utc
7dk25MU
New Viac Code dated 26 November 2025:
qh96nij
VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
Here are new codes for Viac:
nRsgo6x
66EeAcm
N1JNSqf
9eNoLGL
Code 2025 / 2026
At the end of the registration process, enter my code tUv4rW8 and VIAC will manage your 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! 🙌
Code 1: nK7t6Ui
Code 2: uv7z7sy
Code 3: iXywRx3
Code 4: 1YucyNi
ohD9ae3
hNfCxvU
h11URsf
qSHqhvu
Enter one of the codes below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
jgELhdV
xrrLtun
mbcTYNd
MuVntru
CMz1g1G
Here are some codes!
Q8MgN3U
etc.
he7hZRd
Hello everyone
Viac, the test winner!
P.S. Please refer to the comparison on Kassensturz from 18 November 2025.
https://www.srf.ch/sendungen/kassensturz-espresso/tests/finanzen-
insurance/pillar-3a-comparison-3a-apps-stand-out-from-banks-with-low-fees
At the end of the registration process, enter my code HL9Yuxw and VIAC will manage your first CHF 1,000 free of charge – for life! 🙌
vbdg9Yy
EioJc42
odm6Qng
Each code can only be used once.
iOS: http://www.viac.ch/appstore
Android: http://www.viac.ch/playstore
Huawei: http://www.viac.ch/appgallery
New Viac Code dated 20 November 2025:
2KPss8X
VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
9povjJ4
J8FEUpR
Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌
88bFwcy
9G5PNC8
o55mxQC
VXyGi4Y
GhiwDqw
VIAC discount code: Save on registration fees 🙂
Uf1ARq1
SVC5yjm
n7f7efr
New codes:
q47erVE
5fg3Q6N
LACu2Wy
Hello everybody
Here are a few new Viac codes (November 2025)🚀
XDq36fd
K1K6ohY
77E8Hh2
ZZo5jkK
SmuCdVG
Enter the code at the end of the registration process and benefit.
(If one no longer works, simply try the next one).
Good luck with your investment and best regards
Marco
Hey
Enter my code at the end of the registration process
NskZUgt
and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
Each code can only be used once.
Hi,
Here are a few codes you can use at the end of the registration and VIAC will manage your first CHF 1’000 for free - for life! 🙌
- fG6ZAxr
- 9L9rTbq
- AXcADoZ
- KQmJdFa
Each code can only be used once.
Hello everyone
I wish you all a happy New Year.
Here are some new VIAC pillar 3a bonus codes for you.
1f3FAwo
9oCLDxy
ZyxKewP
I wish you every success with your investments.
LG Peter