VIAC

What VIAC does

VIAC is a Basel-based Swiss fintech founded in 2015 that operates a fully digital, mobile-first pension and investment platform targeting Swiss residents. Its core offering is Pillar 3a, a tax-advantaged retirement savings vehicle that supports investment strategies ranging from interest-bearing accounts to portfolios with up to 99% equity exposure, accessible from CHF 1 with no minimum balance. The platform automates portfolio rebalancing, transaction execution, and onboarding (under 8 minutes), delivering average total costs of 0.39% — approximately 65% below competing Swiss providers.

The platform is built on Swiss-developed software with data hosted domestically under Swiss data protection law. Regulatory infrastructure is provided through WIR Bank's Terzo Vorsorgestiftung and Freizügigkeitsstiftung, in which WIR Bank holds an equity stake. VIAC has expanded its product suite beyond Pillar 3a to include vested benefits (Freizügigkeit), VIAC Invest for private securities savings (launched Dec 2024), VIAC Life risk insurance, VIAC Hypothek mortgages, and VIAC Benefits — all distributed exclusively to its customer base via self-service mobile and web channels.

VIAC generates revenue primarily through asset management fees calculated on securities-invested capital under subscription-style recurring economics, monetizing scale rather than margin per account. The company serves a mass-retail individual customer base (150,000+ customers) plus Swiss SMEs via the WIR Bank partnership, and operates only in Switzerland with no disclosed external funding rounds. The core operational subsidiary is VIAC Invest AG, handling investment services.

Name

VIAC

Legal name

VIAC

Website

https://viac.ch

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

VIAC is a Basel-based Swiss fintech operating a digital, low-cost pension and investment platform for Swiss residents, offering Pillar 3a, vested benefits, private investing, insurance, and mortgages via an automated mobile app.

Ownership category

akta.pro rank

Product category

Digital Pension and Investment Platform

NAICS

Portfolio Management and Investment Advice (52394), Pension Funds (52511), Finance and Insurance (52)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

akta.pro secondary industries

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Digital pension platform
• Pillar 3a savings
• Vested benefits management
• Retirement investment solutions
• Wealth management switzerland

Headquarters

HQ city

Basel

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Asset Management Fees: VIAC charges management fees on assets under management. The fee covers all transactions, custody account administration, and foundation administration. Fees are calculated only on securities-invested capital.
2. Cost Leadership Revenue: VIAC generates revenue through low-cost, high-volume asset gathering. With average total costs of 0.39% (including custody, commissions, administration, product costs, and VAT), the company operates on significantly lower margins than traditional providers but compensates through scale.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

VIAC operates a fully digital, self-service Swiss pension and investment platform enabling individuals to save tax-efficiently into Pillar 3a and vested benefits (Freizügigkeit) accounts, with investment strategies ranging from interest-bearing accounts to up to 99% equity allocation. The platform also offers private investment (VIAC Invest), risk insurance (VIAC Life), and a partner-distributed mortgage (VIAC Hypothek through WIR Bank), all managed through automated portfolio rebalancing starting from a CHF 1 minimum investment.

Product overview

VIAC is a Swiss digital pension and wealth management platform offering a modular suite of retirement savings and investment products. The core platform centers on Pillar 3a (tax-advantaged retirement savings) and Freizügigkeit (vested benefits/pension transfer), supplemented by three additional modules: Invest (private securities savings), Life (risk insurance), and Hypothek (mortgage). The platform emphasizes full automation, zero minimum investments, and fee transparency with costs approximately 65% below market average. All products are built on a self-service mobile and web application developed entirely in Switzerland.

Differentiator

Problem solved

Functional benefit

Brands

• VIAC Invest: Low-cost securities solution for private savings
• VIAC Life
• VIAC Hypothek
• VIAC Benefits
• Terzo-Vorsorgestiftung
• Freizügigkeitsstiftung

Products and services

• VIAC Säule 3a (Pillar 3a) Tax-advantaged retirement savings account (Säule 3a) for Swiss residents, offering strategies from interest-bearing accounts to up to 99% equity exposure, starting from CHF 1 with minimal fees and fully automated portfolio management.
• VIAC Invest Cost-effective investment solution for managing private savings outside of pension accounts, extending VIAC's low-cost approach to general wealth accumulation.
• VIAC Freizügigkeit (Vested Benefits) Low-cost pension asset management solution for individuals changing employers or transitioning between pension plans, enabling optimal management of transferred retirement assets within the Freizügigkeitsstiftung.
• VIAC Life Flexible and cost-effective risk insurance protecting against death or disability, offered as an alternative to traditional Pillar 3a insurance products, available in Basic and Plus tiers.
• VIAC Hypothek (Mortgage) Fair mortgage product offered exclusively to VIAC customers in partnership with WIR Bank, providing competitive interest rates without the need for negotiation.

Quantifiable outcome

• 65% lower fees than traditional competitors
• +3 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• WIR BankflagshipStrategic or Co-development Partner · 26 November 2017VIAC was co-founded in partnership with WIR Bank (Genossenschaftsbank). WIR Bank holds an equity stake in VIAC AG and provides the regulatory foundation through its Terzo Vorsorgestiftung and Freizügigkeitsstiftung. VIAC operates as a white-label digital solution under the WIR Bank umbrella, combining WIR Bank's banking credibility and SME network with VIAC's technology platform.

Scale indicators6 records

Recent moves2 records

Expansion highlights4 records

Direct peers

• finpension: Swiss fintech offering low-cost Pillar 3a and vested-benefits solutions with automated ETF investing. Competes head-to-head with VIAC on price, automation, and target customer profile.
• True Wealth: Swiss digital wealth management and Pillar 3a platform offering automated, low-cost ETF portfolios to Swiss residents. Directly comparable to VIAC on target customer, product structure, and fee-led positioning.
• Findependent: Swiss digital Pillar 3a and wealth management app focused on automated ETF portfolios with low fees. Directly overlaps with VIAC's core Pillar 3a offering and Swiss consumer target market.
• Selma Finance: Swiss digital pension assistant that consolidates Pillar 3a and vested benefits into a single automated investment plan. Targets the same Swiss resident segment with a comparable fee-driven, app-based value proposition.

Broad incumbents

• Swissquote: Switzerland's leading online bank and broker, offering trading, savings, and Pillar 3a-style accounts. Broader incumbent with overlapping Swiss retail investment and retirement-savings capabilities.
• Migros Bank: Swiss retail bank offering Pillar 3a accounts and investment solutions as part of a wider product portfolio. Overlaps with VIAC in target customer and core Pillar 3a category.
• Zürcher Kantonalbank (ZKB): Major Swiss cantonal bank offering Pillar 3a, vested benefits, and wealth management. Listed as a VIAC partner/integrator but also a broad incumbent competitor across overlapping products.
• PostFinance (incl. Yuh): Swiss incumbent bank offering Pillar 3a and investment products; co-developed the Yuh app with Sygnum. Broader portfolio but overlapping retail wealth and pension capabilities with VIAC.

Regional players

• Scalable Capital: DACH-focused digital wealth management and broker platform. Comparable on automated ETF investing and low-cost model, but operates primarily in Germany rather than Switzerland.
• Liberty (Glarner Kantonalbank): Digital pension offering from a Swiss cantonal bank targeting Pillar 3a and vested-benefits customers with a modern interface. Comparable in product scope and Swiss-resident focus, with a bank-backed distribution angle.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about VIAC