Business account fees in Switzerland what you pay and how to pay less

Snapshot

Business account fees in Switzerland combine a base charge with per item or package costs, and foreign exchange is often the largest cost. Figures here are as of 13 April 2026.

Typical base fee: From low single digit francs per month at digital and postal providers, more at large banks. Verify with the provider.
Biggest hidden cost: Foreign exchange on cross border payments. Digital providers tend to be cheaper.
Free period: Some large banks waive fees for an introductory period. Verify current terms.
Cheapest route: Often a low cost franc account plus a separate foreign exchange provider.

Fees and features as of 13 April 2026Last reviewed 13 April 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Business account costs in Switzerland usually combine a base fee with per item or package charges. Traditional and cantonal banks tend to cost more and may bill quarterly, some waive fees for an introductory period, and digital providers compete on lower foreign exchange costs. As of 13 April 2026, examples included a quarterly charge at one large bank after an introductory free period, a low base fee at PostFinance, tiered monthly plans at Revolut Business with a Swiss franc IBAN, and a pay per use model at Wise Business without a Swiss franc IBAN. Verify current terms with the provider.

How business account fees work in Switzerland

Most business account pricing in Switzerland combines a base fee with per item or package charges. Traditional and cantonal banks usually cost more and may bill on a quarterly basis, while digital providers compete on lower foreign exchange costs and simpler monthly plans. For many companies the largest cost is not the base fee but the foreign exchange charged on cross border payments. Figures here are as of 13 April 2026.

Fees at traditional and cantonal banks

Large and cantonal banks tend to charge a base fee plus per item or package costs, and some bill quarterly. As of 13 April 2026 one large Swiss bank advertised a business account that was free for an introductory period and then around 20 francs per quarter, and PostFinance advertised a low base fee under 10 francs per month on a basic package. Verify current terms with the provider.

Fees at digital providers

Digital providers usually offer lower foreign exchange costs and either a pay per use model or tiered monthly plans. As of 13 April 2026 Wise Business charged no monthly fee and billed per use with strong foreign exchange, though it did not issue a Swiss franc IBAN, while Revolut Business offered tiered monthly plans ranging from a low entry level to around 120 francs per month for higher tiers and issued a Swiss franc IBAN. Verify current terms with each provider.

Ways to reduce what you pay

Match the package to your actual booking volume, watch per item charges if you make many payments, and split your needs so a low cost franc account handles domestic salary and supplier payments while a foreign exchange provider handles cross border invoices. Confirm all figures with the provider, as plans and fees change. As of 13 April 2026.

Compare business accounts available in Switzerland

These providers accept business customers in Switzerland. Fees and eligibility shown as of 13 April 2026. Confirm current terms with the provider before applying.

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Questions about business banking in Switzerland

What does a business account cost in Switzerland?

Pricing usually combines a base fee with per item or package charges. Traditional and cantonal banks tend to cost more, while digital providers compete on lower foreign exchange costs. As of 13 April 2026. Verify current terms with the provider.

What is usually the biggest cost?

For many companies the largest cost is the foreign exchange charged on cross border payments rather than the base fee. Digital providers tend to be cheaper on foreign exchange. As of 13 April 2026. Verify with the provider.

Are there low cost or free business accounts in Switzerland?

Some large banks waive fees for an introductory period, PostFinance advertised a low base fee, and some digital providers use a pay per use or low cost plan. As of 13 April 2026. Verify current terms with the provider.

How can a business reduce account fees?

Match the package to your booking volume, watch per item charges, and split a low cost franc account for domestic payments from a foreign exchange provider for cross border invoices. As of 13 April 2026. Verify with the provider.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 13 April 2026. Confirm current terms with the provider before applying.