Swiss Business Bank Account & Capital Payment Accounts in Switzerland
Opening a Swiss business bank account is one of the most critical steps in establishing a credible, operational presence in Switzerland – and for foreign-owned companies, it is also one of the most challenging. Swiss banks apply rigorous due diligence standards, and without the right preparation and contacts, applications are routinely delayed or declined.
At IncoSwiss, we specialise in helping international businesses navigate this process efficiently: from capital payment accounts required for incorporation to a fully operational business bank account in Switzerland for day-to-day transactions. Whether you are incorporating a new AG or GmbH, expanding an established operation, or setting up a holding structure, we match you with the right banking partner and manage the process from first introduction to account activation.
With over 20 years of experience in the Swiss corporate services sector, we understand that opening a business bank account in Switzerland has become increasingly complex, particularly for foreign-owned entities. That is why our clients value our direct relationships with Swiss banks, online banks, and fintech institutions and our access to their senior relationship managers, who ensure to offer the most suitable banking solutions for their business. . We assess your business profile, prepare your documentation to the standard each institution requires, and introduce you to the most suitable banking partner for your sector and structure – so your business bank account is in place when you need it, not weeks later.
Capital Payment Account in Switzerland
A capital payment account is a crucial requirement for incorporating a company in Switzerland. This specialized bank account is used to deposit the required share capital:
- For an AG/SA (public limited company), the minimum capital requirement is CHF 100’000.
- For a GmbH/Sàrl (limited liability company), the minimum capital requirement is CHF 20’000.
The funds must be deposited into the capital payment account in the name of the future company before the incorporation process can proceed. Once the deposit is made, the bank will issue a capital confirmation letter, which is needed for the next step: certifying the Articles of Association with a Swiss notary.
During the incorporation process, the funds are frozen in the capital payment account. Once your operational business account is activated, you will be able to access and utilize the capital for your business activities.
Operational Business Account in Switzerland
An operational business account is essential for conducting daily business activities. It’s used for handling day-to-day transactions such as paying suppliers, receiving client payments, managing employee salaries, and more.
After your Swiss business bank account is successfully opened, our team is ready to offer continuous support. This includes assisting you with account management, credit card application, and processing payments on your behalf for your approval and execution. We recognize that overseeing your accounts can be both complex and time-consuming, and that is why we are here to streamline the process and ensure everything runs smoothly.
Over the years, IncoSwiss has built strong relationships with a variety of Swiss banks, online banks, and fintech institutions. Our extensive network allows us to offer customized banking solutions for different business sectors, ensuring that we match your business with the right financial partner.
Contact us to start the application for your capital payment or operational business bank account in Switzerland.
Q&A
How long does it take to open a capital payment account or operational bank account in Switzerland?
The process typically takes anywhere from a few days to a couple of weeks, depending on the specific institution, KYC of the client, and the nature of the business. Some banks may need additional time if there are special circumstances or if they request further documentation.
Can I open a corporate bank account remotely?
Yes, it is possible to open a business bank account remotely. We assist you in preparing all necessary paperwork and liaise directly with Swiss banks, ensuring the process is seamless and convenient.
Do I need to deposit the entire capital when opening a capital payment account?
For an AG/SA company, you are allowed to deposit only 50% of the required capital, which amounts to CHF 50’000. For a GmbH/Sarl, the full capital of CHF 20’000 must be deposited.
Can a Swiss business with a foreign owner open a bank account?
Yes, a Swiss business with foreign ownership can open a bank account. However, not all Swiss banks support accounts for foreign-owned companies. At IncoSwiss, we have a network of banks that can assist international clients and help navigate these complexities.
Can I use the capital payment funds once my company is incorporated?
The funds in your capital payment account remain frozen until your company is officially incorporated. Once your operational business account is activated, you can access and use the capital for your business operations.
How do I choose the best bank for my business in Switzerland?
Choosing the right bank depends on several factors, such as your industry, the KYC requirements of the owners, their location, the type of transactions you will conduct, and your preferences for banking services. At IncoSwiss, we have established strong relationships with multiple Swiss banks and fintech providers, enabling us to recommend the best options for your specific needs.