Now with free death or disability coverage.
A pillar 3a solution that creates added value for the customer – not just for the bank.
Saving made easy
Our pension solution pays off, and is easy to use and understandable for everyone.
Start off with as little as CHF 1
Invest as much as you want and when you want – with no minimum deposit, minimum fee or minimum term.
Your money is safe at the Terzo Pension Foundation of WIR Bank. WIR Bank is a purely Swiss, cooperative bank.
Unrivaled low costs
An administration fee covers all transactions, custody account management and foundation administration – no matter how often and how much you deposit.
This overview is based on historical and representative index data of the last 15 years. The values shown represent the displayed strategy after deducting our administration fee and the corresponding product costs.
The three lines show poor (5%-quantile/yellow), medium (50%-quantile/black) and good (95%-quantile/green) performance. There is a low probability of performance lying outside these lines - these cases are represented by the lighter areas (1% and 99%-quantiles).
Past performance is no guarantee of future performance. Actual returns can deviate significantly from estimates.
A simple way to save taxes. Open a pillar 3 VIAC account with minimum fuss.
From an interest-bearing account up to 97% in equities, broadly diversified with index funds. You can adjust your investment strategy at any time – at no extra cost from VIAC.
100% digital pillar 3a
Open your personal pillar 3 within a few minutes on your smartphone – no matter when and where.
Constant ups and downs on the financial markets can lead to significant fluctuations in value. We constantly monitor your pillar 3 to keep your risk at the desired level.
Our pension and financial experts are happy to assist you with questions concerning the pillar 3a or securities-based saving. Just use our Chat – or simply call us.
A smartphone, 8 minutes and your ID.
That’s all you need to save on fees and taxes with VIAC – no hassle of going to the bank or providing identification at the post office. Easy and convenient account opening – anywhere and anytime.
Even after completing the registration process, it’s up to you to decide whether you want to make a deposit or not. You will not be activated as a customer in our system until the first deposit has been credited to your VIAC account.
Download our free app
Enter your personal details
Choose your strategy
Your trust – our most valuable asset.
VIAC is a product of the Terzo Pension Foundation.
The Terzo Pension Foundation of WIR Bank manages over 1 billion Swiss francs of existing 3a assets for its clients.
Your deposit bears interest.
Money not invested in securities is held by WIR Bank. Thanks to the bankruptcy privilege of up to CHF 100,000.00, cash assets are treated preferentially in the event of insolvency of the account-holding bank.
Your securities are safe
Your securities are traded and stored at Credit Suisse. They are regarded as special assets and are protected in the event of the custodian bank becoming insolvent.
Custodian Bank Cash
Custodian Bank securities and investment products
Maximum security for your pillar 3.
Everything in Switzerland
All data are held and will remain in Switzerland.
We use the latest Swiss technology with the highest security standards.
Strict data protection
Your data will be stored with us in accordance with strict Swiss data protection laws.
The entire software was developed in Switzerland.