viac invest experience with viac invest review in the test report

Viac Invest experience report

Do you have your Pillar 3a already with Viac and would actually like to invest your private assets via the app? Or are you looking for a way to invest your Invest moneywithout having to think about it too much?

Then you're in luck! Because Viac Invest was launched in December 2024. With Viac, you can now easily build up not only your 3a, but also your free assets. And at very low fees.

In our Viac Invest experience report to find out how the new offer works, whether the fees are really as low as advertised and our other test results.

📊 VIAC Invest - The most important facts at a glance
launchDecember 2024
RegulationFINMA-regulated
Minimum investmentCHF 1
Total costs p.a.0.45% - 0.52% - incl. stamp duty and FX fees
Stamp duty✅ Incl.
FX fees✅ Incl.
US withholding tax30% - DA-1 not possible
Redemption feesUp to 1,25% for emerging markets funds
TradingTuesdays only
portfoliosUp to 10
Pillar 3a / Vested benefits✅ Yes
Children's Accounts❌ No
Tax statement✅ Free of charge
Who is it suitable for?Cost-conscious investors with a focus on CHF
💡 Schwiizerfranke assessment: VIAC Invest convinces with one of the most transparent cost structures - stamp duty and FX included. The disadvantage: 30% US withholding tax without DA-1 option. If you want to optimise this, finpension is the better solution. All providers in comparison →

Table of contents

What is Viac Invest?

Viac Invest is the new Asset management function from Viac.

You probably know Viac as a securities solution for pillar 3a. Instead of parking your pension assets in a savings account with an interest rate of less than 1%, you have been able to invest your pension assets there for years. Build up pension assets with shares.

Viac has since expanded its offering and has now launched a new "Invest" product.

The way it works is exactly the same as with pillar 3a. Based on your risk appetite, you can choose a Strategy that lead to a certain percentage from shares exists. The greater your risk appetite, the higher the proportion of equities. This increases the potential return, but also the risk.

Viac Invest experience report 1

Savings and withdrawal plan

To make your Wealth accumulation Viac recommends that you set up a savings plan. You can set up a standing order with your bank and pay in a certain amount every month, for example.

You can use the savings plan calculator to work out how much you will have saved in 10, 20 or 30 years.

At a later date, you can also purchase a Withdrawal plan set up a pension plan. This allows you to receive a monthly pension or additional income. 
In practice: If you have withdrawn your pension fund assets as a lump sum, for example, you can invest them via Viac Invest and then have them paid out later as a monthly pension.

This is particularly exciting if you have paid in over many years and only have to pay out part of the expected return. For example, if you have saved CHF 1,000,000 after 30 years and only pay out CHF 30,000 a year, you will benefit from additional returns even with average performance. This means you can withdraw money and your assets can continue to work on the stock market.

Important note on hidden costs:

Depending on the fund, redemption fees are charged for strategy changes or withdrawals. While most VIAC funds have moderate fees of 0.025-0.14%, the Emerging Markets fund has a redemption fee of up to 1.25%. These fees are not prominently mentioned when advertising the total costs. If you plan to switch funds frequently, you should take this into account.

Viac Invest experience report 2

Viac Invest fees

Viac Invest offers a Flat fee to. Depending on the strategy, this is generally between 0.45 and 0.52%. This includes all custody account fees, brokerage fees, product fees, foreign currency costs and stamp duty and VAT costs.

It also includes an asset management fee of 0.25%.

Note additional tax costs: 

As VIAC only uses Swiss funds, US dividends are subject to 30% withholding tax (instead of 15% for Irish ETFs). This effectively means 0.12% higher annual costs, which are not visible in the advertised fees. In addition, no reclaim via DA-1 is possible, as is the case with Finpension offers.

You can find other, sometimes even cheaper digital asset managers in the Robo-Advisor comparison listed.

Viac Invest experience report 3

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Viac Invest Test & Experience

As you would expect from Viac, the Viac-Invest area appealing and clearly organised. If you are already using Viac's pillar 3a, you will also find your way around here, as the functionality is almost identical.

You have a free choice of strategies: you can either choose one of the suggested strategies or put together your own.
We are not yet able to provide long-term experience, but this will be added to this Viac Invest Review on an ongoing basis.

What we noticed in the practical test: 

  • Trading only on Tuesdays (not daily)
  • Payouts took 5-7 days in our test
  • Only 8-15 own funds available (no direct ETFs) 
  • Rebalancing monthly with >2% deviation

Viac Invest strategies

With the suggested strategies, you can choose between a Equity share from 20 to 99% choose. Depending on your preferences, your investment focus can also be "global", "Switzerland" or "sustainable".

In addition to the practical withdrawal plan, you can also up to 10 portfolios open an account. This is particularly suitable if you have different investment goals. For example, you can invest money that you will need in the short term over the next few years more conservatively. For assets that you are investing with a long-term investment horizon, on the other hand, you can choose a slightly more aggressive strategy.

The following also applies to Viac Invest No minimum investment amountso you can deposit as little as CHF 1

Viac Invest experience report 5

Who is Viac Invest suitable for?

Viac Invest is particularly suitable for you if you want to invest simply and passively and benefit from low fees. Thanks to the Savings plan function you can pay in money regularly and build up your assets without having to actively think about it.

And even if you prefer to have a little more influence over your investments, you can still Strategy even completely put together yourself.

Later you can use the Withdrawal plan You can also benefit from a pension or additional income.

Viac Invest Alternatives

VIAC Invest has been live since December 2024 and has proven itself in practice. If you are looking for a direct comparison, you can find it in the Robo Advisor comparison. Then we'll see how the app performs in practice.

Finpension Invest has achieved a decisive breakthrough - US withholding tax can now be reclaimed via a tax return (currently confirmed in Lucerne). This makes Finpension estimated to be 0.27% cheaper than VIAC.

Comparatively favourable alternativeswhich have been on the market for some time can be found in the Comparison of robo-advisors. For example, Finpension or True Wealth could be exciting for you. Both are on the market for some timeThe other two are more established and also offer very exciting functions and in some cases an even wider range of products.

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Conclusion of the Viac Invest experience report

Viac Invest, just like the existing offer for the 3rd pillar, is characterised by its Simple and clear user interfaceflexibly selectable strategies and attractive and Transparent fees off.

Now you can use Viac not only to build up your pension provision, but also also for your private assets use. Thanks to the extremely low fees, you also benefit twice over, as you hardly have to give up any of your capital.

Viac-Invest Code: Voucher

As part of the Schwiizerfranke community, with the VIAC Invest voucher code you receive JzyFoCf when registering (only for new customers) additional CHF 2,000 fee allowance - i.e. a total of up to CHF 4,000 excluding administration fees.

161 responses

  1. New Viac Invest codes:

    LM6jjkJ
    shmq2Fd
    QFs1y3s
    Muet3v9

    VIAC manages your first CHF 1,000 free of charge - for life!

    Reply

  2. 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)
    –
    W3woqz2
    45eTBo1
    fq3JgpG
    W3woqz2
    –
    Thank you very much 🙂
    Best regards Nicci

    Reply

  3. New Viac Code dated 11 December 2025:

    ffdyNEb

    VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!

    Reply

  4. Hey 👋

    Enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge.
    Each code is only valid once.

    Codes:
    NPyHT88
    2n4pJwZ

    Greetings from Sandy

    Reply

  5. Hey 👋

    Here's another code to save on fees!

    At the end of the registration process, enter my code tGMCprm and VIAC will manage your first CHF 1,000 free of charge – for life! 🙌

    Each code can only be used once.

    Reply

  6. At the end of the registration process, enter the code k74iVGw and VIAC will manage your first CHF 1,000 free of charge – for life! 🙌
    Each code can only be used once:

    k74iVGw
    oJ619ho
    HUgej5q

    More on http://www.viac.ch

    Reply

  7. New Viac Code dated 29 November 2025:

    KCTHzR8

    VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!

    Reply

  8. Hi to you

    Here is my new Viac Code from 26 November 2025:

    qh96nij

    VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!

    Reply

  9. New Viac codes:

    B4SUpBw
    3dS857m
    TJqfHCS
    ay2HzEn
    xdXACHc

    VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!

    Reply

  10. VIAC is a great way to get the most out of your 3a pillar. 💰

    Use one of these codes to receive a welcome bonus!

    Codes👇🏼
    iaJkUrU
    dQWUfGY
    YNz4iHJ
    EV33r7D
    tPmqHqJ

    Reply

  11. Enter my code C88M5e6 at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌

    Reply

  12. Hi, everybody.

    Here are a few current VIAC codes for newcomers:

    dcz6heY
    2trkLnC
    mhfPWGo
    NN95xS6

    VIAC manages your first CHF 1,000 free of charge - for life! 🙌

    Good luck!
    Marc

    Reply

  15. Hello everybody

    Here I provide you with my current VIAC Welcome Codes:

    mBYfNgQ
    PKQ5oYu
    CkPQrrR

    Each code is only valid once! Have a good start at VIAC!

    Best regards
    Flurin

    Reply

  17. Good evening

    Enter my code 35FwhSx at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌

    Codes:
    35FwhSx
    nrVtx1c

    Best regards
    Vreni

    Reply

  18. Hey 👋

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

    xLEqhe9

    Reply

  20. Hey 👋

    Enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge.
    Each code is only valid once.

    Codes:

    dXz5KzR
    mJYt7pY

    Greetings from Sandy

    Reply

  21. New Viac Code from 15 October 2025:

    mm5LDq3

    VIAC manages your first CHF 1,000 free of charge - for life! You can enter the code at the end of the registration process. Have fun investing 😊!

    Reply

  23. Hello everybody

    I use Viac and am happy to recommend it to others.
    My friend codes are:

    d7xa62u
    Hr99sBL
    J8ZH5Ad
    JCC2Rg1

    Let's save together
    Greetings
    Sonja

    Reply

  24. Hello
    I am also very satisfied with VIAC and am happy to recommend it to others.
    Here are a few new voucher codes 😉 Simply enter them at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life!
    hS5H1kK
    iYWKyvi
    p6bZW53
    gfBugbH
    aNzzbhz
    yRsxGUH
    hNLtTYF
    1SQRVad
    dz1tTjk
    6sD5hdv

    Reply

  25. 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)
    –
    yRjWndf
    /
    25h4Lce
    /
    HuvEB2i
    /
    jdyxiJ2
    /
    Ye34PTK

    –
    Thank you very much 🙂
    Best regards Nicci

    Reply

  26. 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)
    –
    yRjWndf
    25h4Lce
    HuvEB2i
    jdyxiJ2
    Ye34PTK

    –
    Thank you very much 🙂
    Best regards Nicci

    Reply

  28. Hello Schwiizerfranke, is there an update on Viac Invest in the meantime?
    The product is now almost 1 year old.
    Thanks and LG

    Reply

  30. You can enter an invitation code at the end of the registration process. This will save you the administration fee on your first CHF 1,000 for life! 🎉

    👉 Each code is only valid once
    - XMWWdrw
    - HjVgD2D
    - Yn2rsba
    - YRdfSBY
    - MdzkZFU
    - JAacsF8
    - taRtazd
    - mnaZCGC
    - ZmMa7kD
    - Mbpe68u

    Reply

  33. Hello everybody

    I have three invitation codes for you when you complete the registration.
    This means you can manage your first 1000 in VIAC free of charge! For a lifetime!

    8j7ryDq
    ajFmY3f
    EUJcpjZ

    Best regards
    Jan

    Reply

  34. New Viac Code from 29 August 2025:

    4LCaWWW

    VIAC manages your first CHF 1,000 free of charge - for life! You can enter the code at the end of the registration process. Have fun investing 😊!

    Reply

  35. Hello everybody
    Here are a few more special codes to save CHF 3,000 on VIAC fees:
    1aSLFWr
    3h5Y1rk
    Z97Gh4U
    It couldn't be cheaper! Have fun with VIAC!
    Alexander

    Reply

  36. Quite simply, others can do it better - that's my experience. In Viac Invest everything is just UBS ETF since the start nothing new has been added to the modest selection the costs are OK more but also not possible to react to market changes because investments are only made once a week consequence look for something better!

    Reply

  40. Hello everybody
    I am also very satisfied with viac and am happy to recommend it to others.
    Here are a few fresh codes 😉 Simply enter them at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life!

    gTY81UA
    c2azCDJ

    Reply

  42. Hey 👋

    Enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge.
    Each code is only valid once.

    Codes:

    FmDjU85
    jhVvn6F

    Greetings from Sandy

    Reply

  48. I'll be happy to give you a few more codes:
    fZGktE09
    dwru3fn
    z2FdnsJ

    Have fun with Viac!

    Reply

  49. There are new codes here.
    Enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌

    T2vcChR
    3haUhAz
    yo2YAoL
    5SS27n7
    4LmpsnM

    Each code can only be used once.

    Reply

  50. Hello everybody
    I am also very satisfied with viac and am happy to recommend it to others.
    Here are a few fresh codes 😉 Simply enter them at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌

    tJoFuT6
    czeXzgC
    gQ7vjsm
    FDd78sW
    sussWcc

    Reply
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