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. Here are three new codes. If one code does not work, just use the next code. In this case a code has already been redeemed.

    KCGC5q7
    cCoBrTi
    CCCnAgB

    Reply

  6. So far I have had exclusively good experiences with Viac. I have the following codes for opening an account with Viac (500.- will be managed for free)

    tCYxrV4

    5CoHHBq

    ACYxgzQ

    Reply

  11. Since the codes go away quickly (I had to wait a while ago until someone posted a new one), here are a few more

    JC4qwTe
    oCFH5y3
    OCFGQ55
    0ChJHWc

    Reply

  12. November 2020
    VIAC voucher code for the first CHF 500 without administration fee (TER)

    code 1
    dCmKFoV

    code 2
    MCNdu3g

    When registering, keep one of these codes on http://www.viac.ch and enter it when prompted.

    Later, you can invest up to CHF 5000 more, for a lifetime without administrative costs. Each code can only be used once. So try the next code if someone else was faster.

    Reply

  14. Here are my five codes to open an account with Viac so you can benefit too.

    BCirW5Y
    zCcdR3L
    9CJHENx
    YCVYCBk
    aCwscPk

    Reply

  15. J'ai Viac depuis le début de l'année pour mon 3ième pilier et compte libre passage... je recommande vivement. Voici de nouveaux codes:
    DChudEE
    ACbQkEr
    KCB6xW1

    Reply

  16. Hello would be nice

    Here are a few fresh codes that you are welcome to use 🙂
    6CYljzk
    0C4o0ne
    1CI5qc5

    Thank you very much in advance and good luck with VIAC

    Reply

  17. Here are some fresh codes. If one doesn't go, just use the next one.
    QC47td4
    XCcH9FW
    PCV8nDV
    cCOwuGz

    Nice greeting
    Cathedral

    Reply

  20. Here are some more codes:
    MCuQFSA
    wC5k9BR
    cCiZtla
    WCdIH2a
    ECHdhZX
    If one does not work, simply use the next one. In this case, someone was quicker to cash in.

    Reply

  21. 3 Brand new codes 🙂 will be very happy if you use one of them, thank you very much !
    iCO4Nei
    VCCfHIO
    4CiIqEH

    Reply

  22. Thank you for this report, it helped me a lot in my decision-making process! In the end I chose VIAC.

    If you also want to profit, here I have three valid codes to manage the first 500 CHF for free:
    ACSp4PQ
    HCtq514
    uCNwWyH

    Reply

  23. If anyone needs another code for Viac. And would like to benefit from 500 francs royalty-free:
    cCsdtc5
    TCSlyUA

    Reply

  24. Here are the last valid codes I gave you. I have been using VIAC for about 2 years now and am completely satisfied.

    gCRoSzZ

    fCvY0aX

    KCNXQwO

    Reply

  25. Fresh VIAC Code (03.11.2020):
    ******
    qCuSMFW
    ******
    Thanks for the article and for using the code!
    Michael

    Reply

  30. If you would also like to invest your Pillar 3a capital with VIAC and have CHF 500.00 managed for life without an administration fee, you can use one of these friend-recruit-friend codes when you register:
    MCuQFSA
    wC5k9BR
    cCiZtla
    WCdIH2a
    ECHdhZX

    Reply

  31. Updated codes for smart spenders:
    tCPUzvQ
    HCd3ovB
    mCEdvMW
    XCLFob1

    Have one of these codes ready when you register and enter it when prompted.
    Each code can only be used once. So try the next code if someone else was faster.

    Reply

  32. November 2020 - VIAC voucher code for first CHF 500 without administration fee (TER):

    sCC4I5r
    yCcMEjp
    DCWcXXZ

    When registering, keep one of these codes on http://www.viac.ch and enter it when prompted.

    Later, you can invest up to CHF 5000 more, for a lifetime without administrative costs. Each code can only be used once. So try the next code if someone else was faster.

    Reply

  34. Thank you very much for the report. Here are my codes for opening an account with Viac.

    dCjtP6l
    wCQr6IM
    7C0WtzN
    JCLehaj

    Greetings Ben

    Reply

  35. Switching from a low-interest 3a bank account to the VIAC securities solution has become even more attractive: For every CHF 10,000 of 3a assets invested in securities, VIAC will provide you with insurance coverage of CHF 2,500 (max. CHF 250,0001) free of charge in the event of death or disability.

    With these codes you also save for life on the fees
    nCz4qVP
    iCjIdlO
    rCKCAAF

    Reply

  36. Hello Together
    Viac is really a great solution.
    Saving together is always fun!
    Here are my codes:
    RCDo3XA
    XCSAeSY
    uCWVZaS

    Have fun
    Best regards
    Simon

    Reply

  39. Great service, good platform, fast implementation and low fees. What more could you want....
    Here are my last codes:
    GCTSnuF
    mCOL1xg

    Reply

  43. Save taxes this year 😉 You can, for example, start with a more conservative strategy with a lower equity component and switch to one with a higher equity component at the "right moment". At the beginning of the month, the rebalancing takes place.

    Best of all, if you use one of the codes below when you register, you will pay no administration fee on your first CHF 500 pension assets - for life! 🤙 Simply use one of these codes when you register your app under the "Have you been invited by a friend" section:

    FC4Hw37
    3CeKTEY
    1CZd3Un
    4CBU9yY
    3C3x1i5

    Reply

  44. Here is a current code to open an account:
    JCwNTRK

    So far I have only had positive experience with Viac. Keep it up!

    Reply

  46. Sorry, the codes have all expired. Here are new ones that are guaranteed to work:
    YCTTBGn
    2CJ08SX
    BCmuEIU
    YC681d5
    TCe0nEI
    BCTb6UC

    Reply

  50. Thank you very much for the report. Here are my codes for opening an account with Viac.

    YCTTBGn
    GC9RqSB
    kC844yO
    ICjAMci
    9CK6xvh
    wCMAyEI

    Greetings Marco

    Reply
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