PIONEER VARIABLE CONTRACTS TRUST /MA/
497J, 1996-05-07
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                        PIONEER VARIABLE CONTRACTS TRUST
                                 60 State Street
                                Boston, MA 02109


                                                          May 3, 1996


VIA ELECTRONIC TRANSMISSION

Securities and Exchange Commission
File Desk
Judiciary Plaza
450 Fifth Street, NW
Washington, DC  20549

Re:           Pioneer Variable Contracts Trust (the "Trust")
              File Nos. 33-84546 and 811-8786
              CIK No. 0000930709

Ladies and Gentlemen:

              Pursuant to Rule 497(j)  under the  Securities  Act of 1933,  this
letter  certifies that the  Prospectus  and Statement of Additional  Information
that would have been  required to be filed under  paragraph (c) of Rule 497 does
not differ from that contained in the Post-Effective Amendment,  dated April 30,
1996,  and  that  the  text of the Post  -Effective  Amendment  has  been  filed
electronically, Accession No. 0000930709-96-000022.

              If  you  have  any  questions  concerning  the  foregoing  or  the
attachments,  please call the  undersigned or Elizabeth  Watson collect at (617)
742-7825.

                                                 Very truly yours,



                                                 /s/Eunice R. Simmons
                                                 Eunice R. Simmons
                                                 EDGAR Compliance Associate


cc:           Ms. Elizabeth Watson
              Mses. Rajotte/Alves
              Joseph P. Barri, Esq.
              Michael Scanlon, Esq.



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