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

  2. Hello would be nice
    New codes

    6ggtTFf
    yrRb7sx
    gU6mhrM
    vzxSYAz
    siiMzU7

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

    Each code can only be used once.

    Best wishes, Karin

    Reply

  3. 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:

    V7xJVe1
    hEXva5q

    Greetings from Sandy

    Reply

    1. If Sandy’s codes are no longer valid, you could try one of these:

      Enter the code at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge – for life!
      SeRy9tQ
      XAPwoFf
      QZUhmSh
      EMU15i6
      Zn15L2r

      (Each code can only be used once.)

      Reply

  4. Thanks for the thorough review. Overall, I find Viac Invest to be a very good solution for those of us who don’t want to spend much time on investing; it’s very easy to use and straightforward. Hopefully they can sort out the 30% withholding on US dividends...

    For anyone interested, here is a code to have CHF1,000 managed free of charge for life with Viac Invest: meLgpeh

    Reply

  5. Hi everyone
    05.07.2016

    Enter my code and benefit from 1,000.- in commission-free investing…

    1yYS726

    Reply

  6. Hi to you

    New Viac Code dated 5 July 2026:

    VELE8ev

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

    Kind regards
    Lea

    Reply

  8. 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:

    j5tGFRn
    fXbAWb3

    Greetings from Sandy

    Reply

  9. Hi to you

    New Viac Code dated 11 June 2026:

    CXN4RfP

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

    Kind regards
    Steffi

    Reply

  10. Also from me some referral codes so that you get a free amount. Try these codes:
    kNMZu1T
    qRjrJSE
    9NRiVKG
    4wkNd8p
    UBPZ6Wt

    Thank you very much and have fun with Viac.

    Reply

  11. Here are some recommendation codes so that we can both benefit:

    Enter my code CvmYW3F at the end of the registration process.
    QsJY5k7
    VNcjrn7
    QceXtwX

    Reply

  12. Here are 3 new codes. Enter one of the codes below at the end of the registration process and we'll benefit together.

    ekj95nU
    y8bc7rS
    QfoGGh1

    Greetings Dave

    Reply

  15. Hey 👋

    Do you know the VIAC app? Like me, use VIAC for your pillar 3a, the investment of your free assets!

    Enter my code wS6Kkmf at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌

    SqDnmmZ
    K2GxQDc
    6k7Uj1W
    5uZxqqG
    XEB4qW4

    Reply

  16. Current codes:

    tL4f48L
    D2LohGM
    bN3yaqZ
    Suz3tWC
    P6K2y6a

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

    Each code can only be used once.

    Thank you and greetings

    Reply

  18. Hello would be nice

    Enter my code at the end of the registration process:

    m53dxaP

    and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌

    Reply

  19. New Viac Code from 21 February 2026:

    3kkk2ph

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

    Reply

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

    67A8gRe
    JWtXK8d
    1tvuZ47
    jywcdYo
    Ps1bf1B

    Each code can only be used once.

    https://viac.ch/

    Reply

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

    Each code can only be used once.

    Reply

  22. Here are a few new codes, if one no longer works just try the next one:

    v557C2p
    XSFx36d
    Qx6ExPE
    P1HGn4R
    zvELbjJ

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

    Reply

  25. Hey 👋

    BtoHkGW

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

    Reply

  26. Hoi zsämme,
    Current codes, if one no longer works, simply try the next one:

    CEhPivM
    fVvrhuq
    LTFg4N8
    WuhvPwq
    iYG78Ey
    afEb6Xd
    otRRx7R

    Good luck, Jan

    Reply

  27. New VIAC codes:

    TDy6bzJ
    7ziTeFo
    mZSTX5D
    8g8syCo
    s8ksj2R

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

    Reply

    1. Hey 👋

      Enter my code at the end of the registration process

      d2RPVxp

      and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
      Merci! 😊

      Reply

  28. Enter my code at the end of the registration process

    tzQXjPR
    85yJ6KS
    5n5kvSv
    pFV5Tu6
    yV9Hn51

    Each code can only be used once.

    Reply

  29. Current codes:

    jehwTvZ
    VEdmTeH
    FLXd6iW
    C6AfK2J

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

    Reply

    1. New codes, new luck!
      Enter my code at the end of the registration process - and VIAC will manage your first CHF 1,000 permanently free of charge😁

      Each code is only valid once.
      Code1: cyTvSWa
      Code2: fni4K1u
      Code3: gBqYfta
      Code4: KVyfD8k
      Code5: oYAwULz
      Code6: DmFchqr

      Greetings Silvio

      Reply

  31. Enter my code FT2zwvn at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌

    Each code can only be used once.

    More on http://www.viac.ch

    Reply

  33. 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)
     –
    3iLMwfc
    FqZeDmd
    4iGUkf1
    axCU67A
    –  
    Thank you very much!
    Best regards Sabrina

    Reply

  34. Hello,
    I've been with VIAC - Invest and 3a - for over a year and I'm thrilled that I'm already pretty much back in the black after the «small» stock market slide in spring 2025 ...

    Here are a few current codes for newcomers (if one no longer works, simply try the next one)
    - –
    hSrtcTY
    oYhozqh
    HC1WH7f
    gfLf6Hn
    cDG78GT
    - –
    Best wishes and good luck!
    Victoria

    Reply

  35. Here is my code

    WTi5nmG

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

    Reply

  36. Current codes: (if one no longer works, simply try the next one)
    - –
    ByrxJTL
    b4XU7wF
    bPzctuz
    v6BGpUX
    - –
    Thank you very much!
    Best regards Silvia

    Reply

  37. 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:

    ELTM89a
    7tZyjMc

    Greetings from Sandy

    Reply

  38. code viac invest:
    hkkFYkg / VX6VqqW / ZmXf3sL / PqsssF2

    code viac column 3a: 3iJvRje / qgnwb34 / tmR26bR / 8y5dRLo

    Each code can only be used once, so I have several to offer. I've been a member since 2019 and am completely satisfied.

    Under "Uni Fribourg Best Pillar 3a", you will find the annual ranking of the best pillar 3a providers. Viac is almost always the test winner, so it's worth taking a look. A new report is published every year, usually around April or May... Best regards, Mia

    Reply

  40. 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)
     –
    b4XU7wF
    bPzctuz
    ByrxJTL
    v6BGpUX
    –  
    Thank you very much! & Happy Holidays 🙂
    Best regards, Petra

    Reply

  41. 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)
    DCgzZbu
    EtrGgGo
    VQJjabp
    fzCn14j
    f1H5Bv8

    Reply

  42. Here are a few new codes for January 2026.

    The codes can only be used by one person at a time, so simply try the next one.

    – 9AQ2Bvk
    – zd58Qt5
    – sLvScvS

    Best wishes and a happy new year
    Maya.

    Reply

  46. Hello everybody
    Due to popular demand, here are a few more of my favourite special codes to save £3,000 in fees with VIAC:
    tFiQWJV
    poPiqUB
    P36qzhn
    It couldn't be cheaper! Have fun with VIAC!
    Alexander

    Reply

  48. 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

    Reply

  49. New Viac Code dated 25 December 2025:

    GzPEM3R

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

    Reply

  50. New Viac Code dated 17 December 2025:

    KZVtyF7

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

    Reply
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