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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.  

2,012 responses

    1. The best thing is: thanks to Reto's recommendation, you pay no management fee on the first CHF 500 of pension assets - for life! 🙌
      Use the following code when registering: pCEWL0e

      Reply

  4. A great thing; with the 3A solution of VIAC..current VIAC codes, to save on the first CHF 500 without administration fee. Have fun building up your assets 🙂
    I personally invest in the Global 80 strategy...
    Valid codes:
    KCDbSjL
    5CSdnRr
    Have fun and stay healthy
    André

    Reply

  6. Enclosed are 5 Viac codes, with which you pay no administration fee on the first CHF 500.00 of pension assets - for life!

    5CKjI8S
    rCGMaVX
    GCxOfW6
    0CAoXQM
    MCrKJos

    Reply

  8. Have VIAC now too and looking forward to seeing how it performs with Global 100 next year 😃
    I'll be happy to leave my codes here as well:
    wC4XA1j
    wCp70Yg
    MCmJzrE

    Reply

  11. Super report, and thanks for the codes
    Here are some fresh ones from me 🙂

    0C2CCMj
    sCGuNvC
    fCDkeRC
    CCr4AfU
    XCxuCli

    Reply

  12. Hello
    here are my codes:
    BCh0Q0s
    yCrJLEw
    YCIQHvE

    Have already super return, see latest comment Handelszeitung, am glad I have participated since the beginning. Very clear and transparent. Now 2nd account, therefore codes.

    Reply

  14. Feel free to use my code, have fun with it.
    It is important that you enter the code when activating the account.
    Use the following code for registration:
    ICBpOR2
    SCaKJrP
    YCFweSv
    TC2EE7D

    Web App: http://www.viac.ch

    Reply

  15. Hello Together

    Use one of the following codes when registering:

    dCeCZVg

    ZCcLlUa

    YCg2CJ3

    Then you pay no administration fee on the first 500 francs of pension assets - for life!

    Merci veumol for your help👍🏼

    Reply

  19. Five new codes to save money together. 😊🏦
    ECGngWm
    DCzC7Pw
    gCo9zlG
    0CzpApk
    vCCbQdL

    Enter at the end of the application, on Viac.ch or in the app, and save money.

    Many thanks and greetings
    novel

    Reply

  22. Hello Together
    Viac is really a great solution.
    Saving together is always fun!
    Here's my code:
    pCosae9

    Have fun
    Best regards
    Patrizia

    Reply

  24. Hello, everyone,

    here are some fresh codes that will save you the fees on 500 CHF of your investment amount for life:
    TCpl2BH
    OC9NNi9
    0CBLEvF

    Many greetings
    David

    Reply

  26. Hi there

    I, too, have decided in favor of VIAC. I'm curious.
    Took a code from here when registering, thanks for that.
    Also post a code here if anyone wants to register and have the first 500 CHF managed for free.

    Matthias recommends VIAC for your Pillar 3a pension.

    dC9RCut
    jCcEMYk
    0CZ8Gfa

    Kind regards
    Matthu

    Reply

  27. Thanks for the article! I'm also very happy with VIAC 3a so far.
    Here is my last code to get your first CHF 500 managed for free for lifetime.

    ZCBH57f

    Thank you

    Reply

  28. I have been using VIAC for quite a while now and am very satisfied.
    If you want to have CHF 500 managed for free, you can use one of the following codes when registering:
    5CoABZp
    TCLJH5d
    7Cevulc
    QCQkGu2
    KC2xCQE
    Many greetings
    Jo

    Reply

  29. 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 registering, you won't pay an administration fee on your first CHF 500 of pension assets - for life!🤙 Simply use one of these codes when registering for the app under the point "Have you been invited by a friend" (at the very end):
    dCEXCE3
    5Crfiwp
    NCAO7Nc
    gCC9dXs
    CCbLSIU

    Reply

  30. Hello, everyone,

    Quick deposit for 2020 :). Here are my referral codes:

    fCMu9zz
    YC4xguL
    NCLF6Yy

    Merci. 🙂

    Reply

  31. Great stuff. Thanks for the code I had pulled out of the comments here. So that others can also benefit I pass on a few codes right away:
    nCz3dym
    qCa62WN
    QChfnsV
    HCELcsA
    FC1cYY1

    Reply

  32. Thanks for this article.
    get FREE maintenance of your CHF 500 with codes below for a lifetime at http://www.VIAC.ch

    ICjrCen
    ECc5iHO

    Thank you and enjoy your CHF 500 freely maintained under the 3rd pillar.

    Reply

  34. Five fresh codes
    VIAC - Overview - Invite friends - enter code - save
    VCFuCaH
    rCsyWYy
    LCqMZ9Q
    3CVLCPc
    GCOPeHx
    Greez, Ben

    Reply

  40. Use one of the following codes when registering:
    tCzTi8P
    CC3EYIQ
    1C7SqUd
    Then you pay no administration fee on the first 500 francs of pension assets - for life! 🙌

    Reply

  41. Here are a few more codes to save fees:
    mC92AgJ
    oCs59Ql
    2CmkYbb

    ...you have to enter this at the very end of the application 🙂

    Reply

  42. A great thing; with the 3A solution of VIAC..current VIAC codes, to save on the first CHF 500 without administration fee. Have fun building up your assets 🙂

    uCaxzW2
    YC2yiwH

    Have fun and greetings
    André

    Reply

  44. Thanks for this wonderful article.
    get FREE maintenance of your CHF 500 with codes below for lifetime (last three left):

    BCOfOrM
    xCLXqGq
    QC4Z8Ee

    Thank you and enjoy your CHF 500 freely maintained with http://www.VIAC.ch

    Reply
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