What are You Looking for?

VIAC VIAC
ByAvatar photoMr Investing Hero
September 23, 2026

VIAC Review 2026: Fees, Strategies and My Verdict

VIAC offers some of the most competitive rates to invest your third pillar in Switzerland. Infact, as of today, they are the cheapest way to invest – are they worthy of your pilar 3A?

This page is also available in: Deutsch

At Investing Hero, I aim to provide the best investing platform reviews. To support this, some of the providers featured in reviews will generate an affiliate commission which helps pay to run this website. However, this doesn’t influence my reviews. My opinions are my own. The information provided on Investing Hero is for informational purposes only. Please read the disclaimer.

VIAC is the app that kicked off Switzerland’s low-cost pillar 3a race in 2017, and in 2026 it is still the easiest one to recommend: total costs of 0.00% to 0.44% a year with the product fees already included, investing from 1 CHF, up to 99% equities, and, new this year, retroactive 3a buy-ins directly in the app.

My verdict★ 4.5Best all-round 3a app

The 3a app I recommend when someone just wants this sorted. Total costs sit between 0.00% and 0.44% with the fund fees already inside, your first CHF 1’000 is managed free for life, and a free death-and-disability cover grows with your balance. finpension beats it on price once your pot is large; nothing beats it on the overall package.

0.00-0.44%Total costs per yearProduct fees included, fee cap at 0.40%
1 CHFMinimum to startUp to five 3a portfolios
99%Maximum equity shareGlobal, Swiss or Sustainable focus
CHF 8’500Managed free, for lifeFirst CHF 1’000 free from day one
No reader offerInvesting Hero earns nothing from VIAC. The first CHF 1’000 managed free for life applies to anyone who joins through any existing client’s invitation, not through me.
Visit VIAC →
Contents hide
1 Why VIAC is still the benchmark 3a app
2 VIAC fees: how 0.00% to 0.44% actually works
2.1 VIAC comparison
3 Free for life: the Lifetime Reward
4 Free Life Basic cover
5 Strategies: from a simple account to 99% equities
6 New for 2026: retroactive 3a buy-ins
7 Beyond the third pillar
8 VIAC pros and cons
9 Opening an account with VIAC
10 My third pillar rules
11 VIAC FAQ
11.1 Is VIAC safe?
11.2 What does VIAC really cost?
11.3 What is the pillar 3a maximum for 2026?
11.4 Can I close old 3a contribution gaps?
11.5 UBS or Swisscanto funds: which should I pick?
11.6 How many portfolios can I open?
11.7 Does VIAC pay a sign-up bonus?
11.8 VIAC or finpension?
12 Compare & choose

Why VIAC is still the benchmark 3a app

VIAC launched in 2017 out of Basel as the first app that let you invest your third pillar in index funds for a fraction of what banks charged. It is a product of the Terzo Pension Foundation of WIR Bank, which today manages over CHF 3 billion of 3a assets, and the strategies have won the big Handelszeitung pillar 3a fund comparison every year from 2019 to 2025.

Your cash sits at WIR Bank with the usual CHF 100’000 bankruptcy privilege, and your fund units are held at UBS or Zurich Cantonal Bank as segregated special assets. If any of these firms failed, your investments would not be part of the bankruptcy estate.

VIAC fees: how 0.00% to 0.44% actually works

VIAC charges an administration fee of 0.52% a year, but only on the part of your money that is actually invested, never on cash, and a fee cap limits the effective rate to 0.40%. Add the fund product costs and the all-in total lands between 0.00% (pure account) and 0.44% a year depending on strategy. The popular Global 100 strategy costs 0.41% total with UBS funds or 0.40% with Swisscanto.

In plain francs: pay in the full 2026 maximum of CHF 7’258 and invest it in Global 100, and your first year costs roughly CHF 30. There are no transaction fees, no custody fees, no deposit or withdrawal fees, and no fee at all on the cash portion, which currently earns 0.20% interest on 3a balances.

StrategyEquity shareTotal cost per year
3a account0%Free (0.20% interest)
Account Plus5%Free
Global 2020%0.17%
Global 4040%0.28%
Global 6060%0.40%
Global 8080%0.42%
Global 10099%0.41%

Source: viac.ch strategies page, checked 8 August 2026. Swisscanto variants run marginally cheaper on some tiers.

VIAC comparison

VIACfinpension
Annual fee + fund costs0.40% + 0.01%0.39%
Maximum equity share100%99%
Parallel 3a accounts55
Interest on uninvested cash0.30%0.00% (tied to the SNB rate, never below 0%)
Who holds your 3a moneyTerzo Pension Foundation of WIR Bank; securities custody UBS or ZKBfinpension 3a Retirement Savings Foundation; custody at UBS and ZKB (Swisscanto)
NotesAdmin fee 0.52%, capped at 0.40%, charged only on the invested part; cash is free. Under 0.44% in total when fully invested.One flat fee with the fund costs included; nothing is charged on top.
Reader deal–CHF 25 fee credit with code HEROBB
My rating★ 4.5★ 4.7
Full review–Read the full finpension review →

Checked at source: VIAC 23 September 2026 · finpension 23 September 2026

Free for life: the Lifetime Reward

Every new client who joins via an invitation from an existing client starts with CHF 1’000 of assets managed completely free, for life. Invite friends yourself and the free amount climbs with each active invite: CHF 2’000 after the first, up to a maximum of CHF 8’500 after five. On a full Global 100 portfolio that is roughly CHF 35 a year of fees that simply never get charged.

Free Life Basic cover

Unique among Swiss 3a apps: for every CHF 10’000 you hold in securities, VIAC gives you CHF 2’500 of free death and disability cover, up to CHF 250’000. That is up to 25% on top of your pension assets paid out in the worst case, at no cost and with no paperwork. A paid Life Plus upgrade exists if you want more.

Strategies: from a simple account to 99% equities

You choose a focus, Global, Switzerland or Sustainable, and an equity level from 20% to 100%. Rebalancing is automatic and you can change strategy any time for free. Prefer control? The individual strategy builder lets you weight the underlying UBS or Swisscanto index funds yourself, including niche picks like a Nasdaq 100 ETF or the iShares Bitcoin Trust for a small crypto sleeve.

You can run up to five 3a portfolios in parallel, which is exactly what you want for a staggered, tax-friendly withdrawal later.

New for 2026: retroactive 3a buy-ins

Since 1 January 2026 you can close pillar 3a contribution gaps retroactively, and VIAC has built the application directly into the app. The rules in short: only gap years from 2025 onwards count, you need AHV-liable income in the gap year, the current year’s maximum must already be paid in, one buy-in per gap year, at most one extra annual maximum per year, and gaps expire after ten years. Buy-ins are tax-deductible exactly like normal contributions, so if you missed 2025, this is worth doing.

Mind the clock: a contribution gap can only be bought back within ten years, and combining several gap years above the annual maximum forfeits the excess for good. Close the oldest eligible gap first.

Beyond the third pillar

The review here covers the pillar 3a product, but the same app now covers most of a Swiss private investor’s needs: VIAC Invest for free-assets investing, a vested benefits solution for money leaving a pension fund, VIAC Life insurance, and even mortgages. VIAC Invest charges a 0.25% administration fee that already covers custody, trading, currency exchange and Swiss stamp duty, but the funds cost extra, so VIAC’s own published totals are 0.45% to 0.52% a year rather than 0.25%. I have tested it in full in my VIAC Invest review. If you want a robo comparison for your free assets, my robo-advisor comparison covers Invest’s competitors.

VIAC pros and cons

ProsCons
  • Total costs of 0.00% to 0.44% with product fees included
  • First CHF 1’000 managed free for life, up to CHF 8’500 with invites
  • Free Life Basic cover up to CHF 250’000
  • From 1 CHF, five portfolios, 99% equities, automatic rebalancing
  • Retroactive 3a buy-ins handled in the app since 2026
  • finpension is cheaper on big balances (flat 0.39%)
  • Cash interest of 0.20% is nothing special
  • No personal advisory; app and chat support only
  • Fund choice locked to UBS and Swisscanto line-ups
  • The 0.52% headline admin fee takes a paragraph to explain

Opening an account with VIAC

Opening takes under ten minutes on your phone, fully digital. Here is the entire flow, screen by screen, from my own account opening. The screens have had minor visual updates since, but the flow is unchanged: register, verify your identity, answer the risk questions, pick a strategy, transfer money.

VIAC homepage

Download the app, register with your phone number and walk through the personal details. Identity verification happens in-app.

VIAC app registration screen
VIAC app entering personal details
VIAC app identity verification
VIAC app choosing the pension foundation

Then the part that matters: the risk questionnaire and your strategy. VIAC recommends one based on your answers, but you can override it, up to the 99% equity Global 100 if your horizon allows it.

VIAC app setting the investment amount
VIAC app risk questionnaire
VIAC app strategy recommendation
VIAC app choosing an investment strategy
VIAC app strategy details and costs

Finally, fund the account. You get a personal transfer order for existing 3a assets, or simply set up a standing order for new contributions.

VIAC app confirming the strategy
VIAC app transfer and deposit details
VIAC app final account confirmation
VIAC app dashboard after opening

My third pillar rules

  1. Invest it, don’t park it. A 3a cash account earning 0.20% loses to inflation. With a horizon over ten years, a high equity share has historically been the better trade.
  2. Watch the total cost, not the headline. VIAC’s 0.52% admin fee sounds worse than it is: it only applies to the invested part, is capped at 0.40%, and product fees are already inside the 0.00% to 0.44% totals.
  3. Open more than one portfolio. Up to five at VIAC, at no extra cost. Staggered withdrawals in retirement break the tax progression.
  4. Pay in before December. The 2026 maximum is CHF 7’258 with a pension fund. Missed years from 2025 onwards can now be bought back, but only for ten years.
  5. Revisit once a year. Strategy changes are free. As retirement approaches, step the equity share down.
Try before you commit

You don’t need to move a franc to see if VIAC suits you. Download the app, run the pension calculator with your own numbers, and open the account with just 1 CHF to poke around. The full transfer of your existing 3a can wait until you are convinced.

No reader offerInvesting Hero earns nothing from VIAC. Open directly on viac.ch and start with 1 CHF.
Try VIAC with 1 CHF →

VIAC FAQ

Is VIAC safe?

Yes, structurally. VIAC 3a is a product of the Terzo Pension Foundation of WIR Bank. Cash sits at WIR Bank with the CHF 100’000 bankruptcy privilege, and fund units are segregated special assets at UBS or Zurich Cantonal Bank, outside any bankruptcy estate.

What does VIAC really cost?

Between 0.00% and 0.44% a year all-in, product fees included. The 0.52% administration fee applies only to the invested portion and is capped at an effective 0.40%. Global 100 costs 0.41% total (UBS) or 0.40% (Swisscanto). Cash costs nothing and earns 0.20%.

What is the pillar 3a maximum for 2026?

CHF 7’258 if you have a pension fund, CHF 36’288 (max 20% of net income) if you don’t. Unchanged from 2025.

Can I close old 3a contribution gaps?

Yes, since 1 January 2026, directly in the VIAC app. Only gap years from 2025 onwards qualify, you need AHV income in the gap year, and each gap can be bought back once within ten years.

UBS or Swisscanto funds: which should I pick?

The differences are marginal: Swisscanto variants are up to 0.03 percentage points cheaper on some strategies, UBS offers a slightly wider individual-strategy line-up. Either is fine; costs and index coverage are near identical.

How many portfolios can I open?

Up to five 3a portfolios, each with its own strategy, at no extra cost. Use them for staggered withdrawals in retirement to reduce the tax hit.

Does VIAC pay a sign-up bonus?

Not cash. New clients joining via an invitation get their first CHF 1’000 of assets managed free, for life, and the free amount grows to CHF 8’500 as you invite others.

VIAC or finpension?

On pure price, finpension (flat 0.39% with fund fees inside) wins as your balance grows. VIAC counters with the free Life Basic cover, the fee-free CHF 1’000 to 8’500, and the friendlier app. My full comparison of both is on the pillar 3a comparison page.

Compare & choose

The other comparisons on Investing Hero, each built the same way: every fee read from the provider’s own pricing page.

Robo-AdvisorsAutomated, rebalanced portfolios ranked on total cost.Compare robo-advisors →Online TradingEvery broker compared on what a trade actually costs.Compare brokers →CryptoWhere Swiss residents can buy bitcoin, and what it costs.Compare crypto →Pillar 3aEvery 3a provider compared, with the tax deduction explained.Read the reviews →

How this review is kept current. Every VIAC figure on this page was read from viac.ch on 8 August 2026, not from a comparison site, and reconciles with my provider data file. There is no affiliate relationship with VIAC; nothing on this page is paid placement.

Sources. All figures were read from VIAC’s own pages on 8 August 2026: the pillar 3a fees page (0.52% admin fee, 0.40% cap, Lifetime Reward tiers), the strategies page (total costs per strategy, 0.20% cash interest), the 2026 maximum article (CHF 7’258) and the 3a buy-in explainer. Nothing is quoted from a comparison site. Educational content, not financial advice.

ByAvatar photoMr Investing Hero
Updated

Read Next

  1. Here are some working codes to get 500 CHF managed for free:
    zC1Kub9
    JCYRZQh
    oCYR20P
    BCELfWY
    1Czed0s

  2. Thank you for the comprehensive article! very nice. If anybody needs more codes – here you go:

    KCq5xw4
    BCtS0oK
    eCgjwXB
    fCDvMUh
    1CMlalH

  3. Thank you for this interesting and comprehensive article!

    Here are some working codes to get 500 CHF managed for free:

    CCt5Xoa
    CCOxDTf
    fC08Aon
    oCGTjK2

  4. Thanks for the article! I just invested and I’m glad I read this.

    Here are some codes for anyone seeking to get their first 500 CHF managed for free for a lifetime:

    MC3hJWz
    ZCLDjg5
    4CyQrjH

  5. Great Article, contains everything I wanted to know.

    My codes
    JCcK9UB
    zCpfcmZ

  6. Thank you for this article!

    In case previous discount codes are no longer working, mine are

    pCtcwT7
    SCLFp1y
    uCQFzSe

  9. Danke für die vorhergehenden Codes 🙂
    Hier noch aktuelle:

    EC8VHEi
    ECtp24B
    fCeX578

    Cheers

  12. Hi everyone, here are some more codes in case you already haven’t signed up. Highly recommended!
    SCMoiN2
    eDChJD
    Regards

  13. Neue Codes vom 03.06.2020->
    Verwende bei der Registrierung folgenden Code:
    HCjRYuJ
    PCoYXXu
    8CUxUM8

  14. Wow, ich hätte das nicht gedacht. ETFs statt Aktien Fonds. Das nenne ich die modernste Art von Vorsorge in die Säule 3a, die auch wirklich Sinn macht. Vielen Dank für deine beratetenden Worte über viac.ch

    Ganz neu: Verwende bei der Registrierung folgenden Code:

    QC4LcNP oder 9Cygmj7

    Dann erhällst Du auf den ersten CHF 500.00 Vorsorgevermögen keine Verwaltungsgebühr – ein Leben lang!

  15. Hi everyone, here are some more codes in case you already haven’t signed up. Highly recommended!
    qCvodmm
    uCxUljm
    gCJRKSo
    uCevkk2

  18. Oh wow My codes were actually used by 2 people. Who would have tough …

    Here are 2 more just in case some one needs it:

    cCrFKIy
    2C49wkj

  19. Thank you for the review and the codes ! I used one from above ! Great stuff:

    Here are some generated today:

    GCQdzpm
    0CVNpX5
    eCdMvXn

  21. Hi there,

    good review. I just opened my VIAC account – like the flexibility and low fees.
    You take some, you give some – here are three codes, freshly minted:
    zC1pW1o
    QCo8jQ4
    4C0DvTB

    Cheers,
    J

  23. Feel free to use this referral code to get 500 CHF managed for free:

    JCIMNKI
    GCNrriv
    TC9Op2y

  26. Hey – great review!

    Feel free to use the following referral codes:

    dCaEWuV
    zCiIZ2J
    7CfmGUY
    UCI2ddb
    oCQdoIN

  29. Hello,

    I have a doubt regarding VIAC or UBS. I have 3a in UBS without been invested in any funds and I would like to put in a funds. I was going to transfer my 3a pillar money from UBS to VIAC but UBS worker told me that there is no commission in you have a 3 pillar in UBS and put the money in Vivainvest fund. Please, read below the conversation I had with the UBS worker:

    Hello Jesus,

    Yes there is indeed fees related to the vitainvest fund but it is supported by UBS.
    The client does not pay any fees/charges related to funds invested through 3rd pillar.
    The fees apply for regular fund (outside of the 3rd pillar).

    I hope this answer your question and I remain at your disposal for any other information.

    Have a nice afternoon

    Best regards

    UBS Switzerland AG
    Agence de Neuchâtel
    Conseiller Clientèle
    Anthony Ribeiro

    —— Message original ——

    Hi Anthony

    I found fee in Vivainvest https://www.ubs.com/2/e/files/RET/FS_RET_CH0293174600_CH_EN.pdf

    management fee 1,28% and ongoing charges 1,67%.

    Please, can you check it. You informed me that invest my 3rd pillar in vivainves doesn´t have any fee but the brochure says yes.

    Thansk
    Jesus

    Is it correct the info he gave me?

    Thanks for your help,
    Jesús Sanchez

  31. Hi, thanks for the helpful article!
    Feel free to use my codes for an easier start:
    qCqCBvs
    RCIsc9a
    gCNZ2gW

  32. @Jesús Sanchez – Are UBS saying the fund is free in that case? 😀 No commissions, no custody, no entry/exit, no conversion fees… lol yeah right.

  34. Hi, thanks for the very helpful article.
    Here are some fresh codes if someone is interested:
    nCaDouI
    wC043sV
    gCzfhuF

  35. Here are some new codes:

    bCms6n9
    8CbvPuu
    yCmWzNC
    gCX01Eg

    Each code is new worth up to 1500.- CHF of assets managed for free!

  36. I recently opened my VIAC account and I’m very satisfied. Here are my codes to get 500 CHF managed for free:

    1Cf97H8
    TCWI2yj
    qC0mj1f

  37. I have Viac since 1 year and I can only recommend it. i have 3 accounts. global 60 where i transferred the money from a previous bank account, and 2 young accounts global 80 and swiss 80. overall about 4% plus this year. not bad, considering covid!
    some codes below, as the referral program has just been improved, increasing the tax free amount from 2000 to 5500 chf!

    nCDatkB
    BCY6Eih
    PC0tV2w
    RC0jvAz
    bCSIPO1
    KCoeWJN
    0C7iESr
    CCYfrqt

  40. Good article. I’m absolutely satisfied with Viac and recommend it to everyone.

    Codes to get 500 CHF managed for free
    uCusmun
    ICqjucw

    Cheers

  41. Here are some working codes (as of 13.11.20) to get your first 500CHF managed for free:
    2C5Y8oi
    TCxb2rH
    BC7wcxE
    zCA8XtO
    gC13kPL

  42. hey all… quick question… how does one apply these codes ? only whenever money has hit/been deposited into the viac account ?

  43. Hi all,

    How do these codes work?? Only during initial viac signup?? I created viac account last year before finding investinghero.ch.

    Cheers

  45. These codes were freshly baked this morning-16.11. Enjoy your first 500 CHF managed for free!!!

    lCf9gzu
    pCnm1K
    pCnm1KA
    UC6fAWu

  47. Thanks for the article! I’m also very happy with VIAC 3a so far.

    Here are some more codes for people to use:

    VCQam81
    aC9bhvr
    vCXN465
    QCC9V5E

    Cheers!

  48. Great article! Very happy with VIAC 3a! Here a few codes, for others to enjoy as well:

    ECIR7fB
    oCSiJzl
    SChkqgX
    HCerO14
    cCbwrrY

  49. Hallo!
    Dank dieser Empfehlung bezahlst du auf den ersten CHF 500.00 Vorsorgevermögen keine Verwaltungsgebühr – ein Leben lang! 🙌

    Verwende bei der Registrierung einer folgenden Codes:

    rCgPXeC
    ACGB2uh
    wC4I4HX
    4CSiG7U

    Viel Spass beim Sparen!!

    Gruss
    Simone

  52. VIAC was absolutely the right choice. If you also want to move your 3rd pillar to VIAC you can use one of these codes to get your first 500CHF managed for free.
    0CUDwzI
    sCJ90bP
    RCdVxwu

  54. Thanks for this great article, it convinced me to switch!
    Here are a few fresh codes for those who need one:
    zCAVBhY
    GCxgDHu
    mCHrgkB
    OCCKk3Z
    5CILgz2

  55. Use the code and get your first CHF 5000 managed free with VIAC. Last three left only

    zCiX2Ub
    8CTQMGl
    tCzo6fd

  56. Thanks for this wonderful article Mr IH.

    get FREE maintenance of your first CHF 500 with codes below:

    YCurxpz

    4CAejd0

    MCn4uNj

    UC4WEFG

    MCakA5G

    Thank you and enjoy your CHF 500 freely maintained with VIAC

  57. Referral codes for administration fee waiver; get your first 500 CHF managed for free for your entire lifetime 🙂

    sCQqFLd
    kC8gfNo
    sCidN4r
    NCBP1rY
    pCwKzyo

    Thanks,
    David

  58. Thank you so much for sharing this article, really helpful.

    Some very fresh codes to save fees on your first 500chf with VIAC (only these two left)

    jCxYt6N
    RCpM2pP

    Thank you!

  59. I just joined VIAC thanks to your review!

    Here a some new codes for other joiners (no fees for first 500 CHF invested):

    7CYICQN

    BCLoykl

    7C6cUJE

    5Cgm6wr

  60. Thanks for the article!

    Paying it forward with the referral codes:

    dCw8U0K
    LCwDUUV
    WCOQQJ6
    iCW5hkM
    ACDAz7j

    Cheers,
    Daniel

  61. Referral codes for administration fee waiver; get your first 500 CHF managed for free for your entire lifetime 🙂

    KCAFcEM
    LCpCqFn
    9CT2krq
    mCgyQB4
    yCETQqX

    Thanks,
    Mirriam

  62. Thanks for your review! I just joined VIAC and got a code through the comments above. 🙂 Here a some new codes for other joiners (no fees for first 500 CHF invested):

    iCkzrJI

    HCBAUUJ

    qCQV5jn

  63. Thanks for the article! I’m also very happy with VIAC 3a so far.

    Here is my last code to get your first 500 CHF managed for free for lifetime.

    ZCBH57f

    Thank you

  64. Hi,
    thx a lot for the review and thx for sharing the codes, too!
    Here are new codes:

    oCzsK3t
    NC3fAPZ
    hCH1GKx
    QCqdJo6
    rCViV07

    Regards,
    Klaus

  65. Great article and review! Used a code from above and sharing mine if anyone wants to use and get their first 500CHF managed for free with viac.ch

    UC40zET
    nCxpFpM

    Thank you

  66. Thanks for the article!

    Here are some codes for new joiners (no admin costs for first 500 CHF):
    qCrFxW6
    NCD8hkH
    kChdQ9u
    gCzVmfv

  67. Thanks for the review, I’ve just signed up for VIAC in no small part because of this. 🙂
    Also thanks everyone for your codes!

    I would also like to share mine if you don’t mind, since it’s a win-win situation. Get rid of the administrative fees on your first CHF 500 for life. If one of the codes is already used, try the next one.

    Don’t be alarmed when you can’t enter the code right at the beginning of the registration: The code can be entered towards the end of the initial sign-up process.

    DC1VS7c
    ZCjKCWZ
    ZCIMSuF
    ZCKOLyQ
    mCbxzPF

    And here are the codes of my SO 🙂

    wC51XdZ
    JCjHXBK
    lCdAzdi
    jCX8hPZ

    Cheers and happy saving/investing!
    LM

  68. Great article, and thanks for the codes.
    Here are some fresh ones 🙂

    0C2CCMj
    sCGuNvC
    fCDkeRC
    CCr4AfU
    XCxuCli

  69. Thank you for the article.

    Find below referral codes (no fees for first 500 CHF invested):

    4CGRqpF
    rCGMNFk
    LCrBWxg
    vCFkSFR

  71. Thanks a lot for the article

    Here a some new codes for other joiners (no fees for first 500 CHF invested):

    BC6i0dC
    QCdyTSh
    fCSkhs1
    ICmoLNZ
    6C5LABI

    Best regards,
    Ismael

  72. Thanks for this great article!
    Here are two of my referall codes to save the management fees on the first 500chf

    LCAwGxx
    UCJZ2al

    Thank you!

  73. Hi,

    Thanks for the review and also for sharing the codes!

    Paying it forward with 2 new codes:

    1CFzubY
    0C0AM9g

    Regards,
    Daniel

  75. Hi,

    Thanks for the review and also for sharing the codes! Here are new codes:

    TCHQRsX
    6C8orVK
    kCqzixS
    tCrHlWR

  76. Hi,

    Thanks for this great article.

    Below are 4 new codes:
    nCTm2lj
    qCkzxMX
    jCzhRBz
    bCqUDMN

    Regards,
    Greg

  77. Thank you very much for this helpful article. Please find below some more working VIAC codes so we can save together. Happy end of year holidays!

    jC9f22g
    8CYlT9i
    9CBrvTQ
    hCxO4no

  79. Nice review thanks. I second your review completely. Viac is by far the easiest investment platform for 3a pillar I’ve seen around.

    A few more codes to get 500 CHF off:

    bCJaFOH
    uCUxF9N
    VCrV7Wk

  81. Thanks for the review.
    Use the following code to register to get 500 off:
    NCcTzpa
    lC3RbkE
    jCttjEu
    qCgztck
    7CNyeIt

  83. Hello
    Referral codes for administration fee waiver; get your first 500 CHF managed for free for your entire lifetime 🙂

    yCy2oie

    5CSkZJs

    XCV9m2G

    MCwrRsU

    Thanks,
    Chriso

  84. Here are some of my new codes:
    XCdvINX
    fCoP2xY
    OCVYVMe
    9CF9djt

    Thank you for this guide. Your tips and info was very helpful !

  89. I also have one more referral code for VIAC:

    cCdXQ40

    Apply at the end of registration to use VIAC and have the management fees offered for your first 500.- for life.

  93. Thanks a lot for the article
    Here, my referral code to save fees on the first 500chf

    FCYcrjs
    QC85zks
    RCaVIHz
    4CoYUAD
    eCZCy9e

    Best regards,
    Ismael

  95. Thank you for the report. Viac.ch is a great solution for the 3rd pillar.
    Use one of the following codes and you will get 500Fr. managed for free:

    nCYVZJW
    yCkHYli
    HCDxlRe

  98. Thanks for the quality info!
    These are currently valid quotes to get 500chf taxes saved:
    KCOHjEl
    uCmK69M
    SCvu0wx
    sCbKz5h

    Happy savings!

  99. Thank you for the review. I am glad I chose VIAC.

    For those who still need to create a VIAC account: use one of the codes posted here to save on fees.

    Here are a couple new codes:

    5CrefXD
    cCRnlqB
    BCO49wo

  100. Hello

    Opened an account with VIAC on Monday and sent in money yesterday. New referral codes to save mamangement fees on your first 500 CHF asset below:

    rCuW2nQ
    JCCSEiQ

    Cheers

  101. here some new referral codes to save management fees on your first 500 CHF asset:
    5CWHIVy
    2CB6DuT
    qCRFRA4
    pCUJE4
    iCxGNub

  102. Thank you for the detail write up! Very useful. 🙂

    Here’re referral codes for saving management fees on your first 500CHF:

    4CnEeL2
    RCyZR4d

  105. I moved my 3a savings to VIAC a few months ago and am happy about it.

    To save the management fees for your first 500 CHF use the codes:

    NCewCfr
    yCT7Wlf
    oC4fCmG

  109. More codes to save the management fees of your first 500chf with Viac3a

    hCN605Q

    aCamVYl

    3C0ZphZ

    tCX67J8

    nCZQdZN

  110. I can also highly recommend VIAC. I opened multiple portfolios with different strategies (Global 100, individual unhedged global 100, NASDAQ-focused).
    I hope the following codes can be of help for those who are considering opening an account:
    JCd3Yyb
    HCfmg8O
    sCusqlw
    pCh3NIu
    5CB43cX

  111. Hi guys!

    Some more codes to profit from:

    2C5V8kB

    kCzVzKO

    GC9V6qC

    1CU71vJ

    4CMhnmz

  113. Hi all,
    one more code for you:

    VCTMro2

    By the way, Viac just reduced some costs, too!
    Regards,
    Klaus

  115. More codes to save the management fees of your first 500chf with Viac3a

    iCILQsm
    3CqmQ4B
    2Ce5nJg

    Set up ur account now, best decision ive ever made!

  121. Viac fits well into a minimalist life style.
    – Incredibly efficient registration (takes around 10 minutes and when using the code 5CSAYB6 in the registration process, you pay no administration fee on your first 500 CHF pension assets)
    – Great customer service (fast response)
    – One app, no extra mumbo-jumbo
    – Can be used for tax-returns if you pay standard tax or “Quellensteuer”

    Very satisfied.

  123. Here are 3 new codes for your registration at VIAC 🙂
    I’m glad if you use one of these.
    With this code you will invest your first 1’000 CHF for free – for a lifetime.
    cqb5TFF
    mdfYjVi
    46TpXLy

Comments are closed.

EN|DE
© 2026 Investing Hero. All rights reserved.Everything here is educational and reflects my own independent opinion. It is not financial advice. Investing carries risk, including the loss of the money you put in, and no guarantee is given that the information is accurate, complete or current.Alle Inhalte dienen der Information und geben meine eigene, unabhängige Meinung wieder. Sie stellen keine Anlageberatung dar. Anlegen ist mit Risiken verbunden, bis hin zum Verlust des eingesetzten Kapitals, und es wird keine Gewähr für Richtigkeit, Vollständigkeit oder Aktualität übernommen.TransparencyAIDisclaimerPrivacy & cookiesLegal noticeContactTransparenzKIHaftungsausschlussDatenschutz & CookiesImpressumKontakt

Privacy Preference Center

Consent Management

As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored however this may downgrade or ‘break’ certain elements of the sites functionality. You can read more on our Cookie and Privacy Policy page: https://investinghero.ch/privacy-policy/

Necessary

Advertising

The Google AdSense service we use to serve advertising uses a DoubleClick cookie to serve more relevant ads across the web and limit the number of times that a given ad is shown to you.

For more information on Google AdSense see the official Google AdSense privacy FAQ.

Cookies Used

Google Adsense

Analytics

This site uses Google Analytics which is one of the most widespread and trusted analytics solution on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.

For more information on Google Analytics cookies, see the official Google Analytics page.

Cookies Used

Google Analytics

Other