You call us at 0800 80 40 40. After successful identification, we will immediately save the new number in the system.
No. A Swiss mobile number is required for registration with VIAC.
By using the VIAC App, you enter into a contractual relationship with the Terzo Pension Foundation of WIR Bank. Behind VIAC AG are the three initiators of VIAC's pension solution, who developed the offer together with WIR Bank. This company has no relevance for you as a customer since the operation of the entire solution is ensured by WIR Bank.
No. By using the VIAC App you only enter into a contractual relationship with the Terzo Pension Foundation of the WIR Bank.
No. Even after the opening process has been completed, you have the freedom to decide at any time whether or not you want to make a deposit. You will not be activated in our system as a customer until the first receipt of money is credited to your VIAC account. The VIAC administration fee will only be charged on your invested capital. Therefore, you do not pay any fees as long as your money is not invested.
We use this data to check your details. With the ID, all you have to do is upload the front page.
Yes, we allow you to manage up to 5 portfolios. You can add a second portfolio within seconds directly in the app. This allows you to make a staggered withdrawal as you get older. By withdrawing smaller amounts over several years, taxes can be saved (tax progression).
No. You can close your savings 3a with VIAC at any time. All securities are sold on the next rebalancing day (on the first trading day of the month). After the notice period of 31 days, you can transfer your pension assets to another pension foundation, which is free of charge at VIAC.
Basically, any person over the age of 18 can establish a relationship with VIAC. However, in order to be able to make a deposit, AHV-liable income must be earned. Without income, only a transfer of existing Pillar 3a assets is possible. This can be particularly attractive for young mothers who interrupt or give up their career.
No. You can invest your money with our offer from as little as CHF 1 or put it into the interest-bearing retirement savings account.
As part of the onboarding process, 6 simple questions will help you find out your investment type. Based on your type, one of our strategies (account, 20, 40, 60, 80, 100) is recommended. Of course, you can override our recommendation at any time.
It's easy: download the app, have your ID / passport ready and complete the opening process 100% digitally in less than ten minutes.