By using the VIAC App, you enter into a contractual relationship with the Vested Benefits 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 Vested Benefits 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 transfer vested benefits assets to VIAC. 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.
No. You can always close your vested benefits account with VIAC. All securities will be sold on the next rebalancing day (on the first trading day of each month). After the notice period of 31 days, you can transfer your vested benefits assets to another vested benefits foundation or new pension fund. This is free of charge with VIAC.
Basically, any person over the age of 18 can open a relationship with VIAC. Of course, vested benefits assets must be available, which can be transferred to the VIAC vested benefits relationship. You may not make ongoing payments to the vested benefits account.
No. You can invest your money with our offer from as little as CHF 1 or put it into the interest-bearing vested benefits savings account. However, ongoing payments are not possible - only existing pension fund or vested benefits assets can be transferred.
No, only one vested benefits relationship can be maintained with VIAC. It is not permitted to manage two accounts with the same vested benefits foundation. If you transfer your assets to the VIAC vested benefits relationship, the money is divided into the mandatory and extra-mandatory segments. The strategy can be defined separately for each segment.
When withdrawing money from the pension fund, vested benefits assets can often be split between several vested benefits foundations; subsequent splitting is not permitted by law. You can change the vested benefits foundation at any time, in which case the entire assets of the relationship are transferred to the new vested benefits foundation.
It's very simple: Start the opening process at www.viac.ch by clicking on "Register" and then select the "Vested Benefits" product during onboarding, have your ID / passport ready and open the vested benefits account 100% digitally in less than ten minutes.