VIAC

WIR Bank Genossenschaft

About this app

The best financial products in one app

VIAC - Your securities solution for investment plans, pillar 3a and vested benefits

Discover a simple and cost-effective way to invest with VIAC. Our app offers maximum flexibility and expert support to help you achieve your financial goals.

Why invest with VIAC?
• Cost-effective with low entry barriers: Invest from as little as CHF 1 - with no minimum deposit, minimum fee or minimum term.
• Simple and clean app: Intuitive handling and clear structure for a seamless user experience.
• Expert support: Our team is available by phone, chat or email to answer all your questions.
• Maximum flexibility: Customize your investment strategy - from interest-bearing accounts to 99% equities, broadly diversified with passive, index-based instruments. Adjust your strategy at any time - at no extra cost.

VIAC Life
Protect your future: with VIAC Life Basic you receive up to 25% in addition to your savings as a 3a or VB customer in the event of disability or death. With VIAC Life Plus, you can add additional coverage directly in the app.

VIAC Mortgage
Benefit from exclusive and fair mortgages with top interest rates as a VIAC customer.

Download the VIAC app now and benefit!

Ratings and reviews

I was unable to complete the setup accurately because there is no option for "separated" as a marital status. In Switzerland, this is a recognized tax status (DE: "getrennt"), so it's an essential option to include. Also would be great if in a tooltip, there would be a tip "where to find the data". Or if I can update them later.

There is hardly anything better for your 3a in Switzerland. You can convert your liquidity in assets and the standard solution is all passively managed international index tracking funds. I know this sounds technical, but after some research and reading in the matter, I concluded there is hardly anything more convenient for your investment. VIAC levereged that knowledge, packaged it nicely and is putting it in your hand. I'm impressed by the outcome. One of my favorite apps on my phone.

After a month with VIAC, I am upset I have not installed it earlier! Nice interface and transparency in the investments made! My only comment is that for Swisscanto funds the links do not work if you want to check further the content. I think this is more a ZKB issue, but would be great if fixed.

What’s new

With this update, we have made various minor improvements so that you can use the app even more efficiently.
From January 1, 2026, you will be able to make retroactive 3a purchases in the app – simple, fast and 100% digital.
Note: You can only make a 3a purchase if you have not reached the maximum amount in 2025.