Online accounts and neobanks in Switzerland

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

Neobanks and online providers give Swiss businesses app based accounts that are quick to open and built around international payments and holding more than one currency. As of 13 March 2026, the main names serving Switzerland are Wise Business, Revolut Business, and Airwallex, while local banks also offer full online banking for franc activity. Deposit protection and services differ, so verify current terms with the provider.

What neobanks offer in Switzerland

Online providers run almost entirely through an app or browser, with no branch network. They tend to focus on fast onboarding, cards with spend controls, and lower cost cross border payments and currency conversion. For a business that trades internationally, that mix can be cheaper and quicker than a traditional setup. For purely domestic franc activity, a local bank may serve just as well.

The main providers

As of 13 March 2026, Wise Business focuses on holding and receiving many currencies with clear conversion pricing, Revolut Business adds cards, spend controls, and an API across free and paid plans through Revolut Bank UAB, and Airwallex offers global accounts and international payments for registered companies. Each applies its own eligibility checks, so confirm whether your company qualifies.

How they differ from local banks

Local banks such as UBS, PostFinance, the cantonal banks, and Raiffeisen offer branch access, lending, and services tuned to the Swiss franc, alongside their own online banking. Neobanks usually do not lend and may not provide every local service, but they often lead on international payments and currency. Many businesses use a local bank and a neobank together. Check deposit protection, since it varies by provider and by how the account is structured.

Choosing between them

Decide how much of your activity is domestic franc and how much is cross border.
Compare conversion margins and transfer fees for the international side.
Check deposit protection and which services you actually need, such as lending or cash handling.
Verify current terms and eligibility with the provider before you apply.

Compare business accounts available in Switzerland

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

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Questions about online accounts and neobanks in Switzerland

What is a neobank?

A neobank is a provider that runs its business account through an app or browser rather than branches, usually focused on fast onboarding, cards, and international payments. Services and protections vary, so verify with the provider.

Which neobanks serve Switzerland?

As of 13 March 2026, Wise Business, Revolut Business, and Airwallex serve business customers in Switzerland, each with its own eligibility checks. Confirm current availability and terms with the provider.

Are neobanks cheaper than Swiss banks?

It depends on your activity. Neobanks often lead on cross border payments and currency conversion, while local banks may suit domestic franc activity. Compare both against your own usage and verify current pricing as of 13 March 2026.

Is my money protected with a neobank?

Deposit protection varies by provider and by how the account is structured. Swiss bank deposits are protected by esisuisse up to 100,000 francs per client, while other providers may rely on safeguarding or a deposit scheme in another country. Check how your funds are held and confirm with the provider.

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