Best business accounts for Startups in Switzerland
Snapshot
Startups in Switzerland usually want fast onboarding, a Swiss franc account for salaries and domestic costs, multi currency receiving for international customers and investors, expense cards with spend controls, and a blocked capital deposit account to incorporate a GmbH or AG. Figures here are as of 14 May 2026.
Suits startups best
A Swiss franc account for capital, salaries, and domestic costs alongside a digital multi currency account for international revenue suits many startups.
Typical monthly fee
From no monthly fee or low cost up to around 125 francs per month for higher digital tiers, as of 14 May 2026.
Non resident position
Foreign founded startups can apply but face more checks at traditional banks. Verify.
Providers that fit
Several
Fees and features as of 14 May 2026Last reviewed 14 May 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Startups in Switzerland often raise money, pay salaries in Swiss francs, sell to customers abroad, and spend on cloud hosting, software, and advertising in foreign currencies. A GmbH or AG also needs a blocked capital deposit account to incorporate. That makes fast onboarding, a Swiss franc account, multi currency receiving, low foreign exchange cost, and expense cards with spend controls the features that matter most. Many startups run a Swiss franc account for capital and domestic costs alongside a digital provider for international revenue. As of 14 May 2026, providers serving this market include Wise Business, Revolut Business, and PostFinance for a franc account. Verify current terms with each provider.
What startups in Switzerland need from a business account
A startup raises capital, pays salaries, manages team expenses, sells to customers who may be abroad, and reports across currencies. The features that matter are fast onboarding, a Swiss franc account for capital and domestic costs, multi currency receiving and holding, low foreign exchange charges, and expense and virtual cards with spend controls. A GmbH or AG also needs a blocked capital deposit account, where the share capital is paid in before registration and the bank issues a confirmation for the Commercial Register. Not every digital provider issues a local Swiss account, so many startups combine providers. Figures here are as of 14 May 2026.
W
Wise Business
Pay per use with multi currency receiving for international revenue and investor transfers. Holds and receives Swiss francs and can issue Swiss account details for a fee, but does not provide a blocked capital deposit account, as of 14 May 2026.
Tiered plans with multi currency, expense and virtual cards with spend controls, and Swiss franc support, provided through Revolut Bank UAB, as of 14 May 2026.
Best for
Cards and spend controls
Monthly fee
Free or tiered plans up to around 125 francs per month on the Scale plan, as of 14 May 2026.
A Swiss provider with a franc account and low base fees for capital, salaries, and domestic costs. Swiss banks, including postal and cantonal providers, can also open a blocked capital deposit account for incorporation, as of 14 May 2026.
Best for
Capital and domestic costs
Monthly fee
Low base fee, under 10 francs per month on a basic package, as of 14 May 2026.
Questions about banking for Startups in Switzerland
What should a startup in Switzerland look for in a business account?
Fast onboarding, a Swiss franc account for salaries and domestic costs, multi currency receiving for international customers and investors, expense and virtual cards with spend controls, and clean accounting exports. As of 14 May 2026. Verify current terms with the provider.
Do I need a blocked capital deposit account to incorporate a startup in Switzerland?
Yes. A GmbH or AG must pay its share capital into a blocked capital deposit account at a Swiss bank before registration, and the bank issues a confirmation for the Commercial Register. A GmbH needs at least 20,000 francs and an AG at least 100,000 francs with at least 50,000 francs paid in, as of 14 May 2026. Confirm the current process with the bank.
Can a foreign founded startup open a business account in Switzerland?
It is possible, usually with a company registered in Switzerland and stricter checks where owners or directors live abroad. Traditional banks apply closer review, while some digital providers may serve a registered Swiss business. As of 14 May 2026. Verify your eligibility with the provider.
What does a startup account cost in Switzerland?
From no monthly fee or low cost on digital providers up to around 125 francs per month for higher tiers. Swiss franc accounts at postal and cantonal providers carry low base fees. As of 14 May 2026. Verify current terms with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 14 May 2026. Confirm current terms with the provider before applying.