Switzerland is more than a safe haven for wealth — it is also a prime jurisdiction for launching and scaling international businesses. Opening a Swiss bank account is often the very first step in establishing your presence in this globally respected financial ecosystem. Whether you're forming a startup, opening a subsidiary, or managing cross-border operations, Swiss banking offers unmatched legal clarity and operational efficiency.
In this guide, we explain how bank accounts function in the context of Swiss company formation, including required deposits, legal compliance, and the strategic role of your legal partner.
The Swiss Bank Account: More Than Just a Financial Tool
Opening a Swiss bank account is not simply about safekeeping money. It is a foundational requirement for:
- Incorporating a company (capital deposit account)
- Operating business transactions (operational account)
- Paying taxes and social contributions
- Accessing financing, leasing, and payroll services
Because Switzerland has one of the most stable financial systems in the world, many entrepreneurs prioritize Swiss banking not only for practical reasons but also for its reputational benefits.
Capital Deposit Accounts: Mandatory for Swiss Company Formation
Every Swiss company must demonstrate that its minimum share capital has been deposited before incorporation:
- GmbH (Sàrl): CHF 20,000
- AG (SA): CHF 100,000 (minimum CHF 50,000 paid-in)
This deposit must be made into a special escrow-style bank account. The bank then issues a capital confirmation letter, which is submitted to the notary and the commercial registry.
At Goldblum Law, a premier Swiss law firm, we coordinate this process for our clients from start to finish. From opening the account to legal filings and shareholder agreements, we ensure no step is missed.
Learn more about our Swiss company formation services here.
Minimum Deposits for Business Bank Accounts in 2025
The Swiss banking landscape is diverse — from traditional private banks to modern fintech platforms. Minimum deposit requirements vary:
- Capital deposit account: CHF 20,000–50,000 depending on legal form
- Business current account (post-incorporation): typically CHF 10,000–50,000 recommended
- Private banking for corporate directors or UBOs: CHF 250,000+ (depending on bank and profile)
Some banks may waive minimums for startups with growth potential, while others expect an ongoing balance and activity level.
Step-by-Step: Opening a Swiss Bank Account for Your Business
1. Legal Preparation: Define your corporate structure and appoint directors/shareholders
2. Bank Selection: Choose a bank suitable for your industry and location
3. KYC Process:
- Passport copies
- Proof of address
- Source of funds explanation
- Business plan (for startups)
1. Capital Deposit: Transfer initial share capital
2. Account Confirmation: Receive official letter from bank for registry use
3. Post-Incorporation Activation: Transform capital account into operational account or open a new one
With Goldblum’s legal and fiduciary support, this process is completed swiftly and efficiently, typically within 5–10 business days.
Can the Process Be Done Remotely?
Yes — most banks allow for remote onboarding if supported by legal counsel. Our Swiss law firm handles:
- Full power of attorney representation
- Communication with banks, notaries, and registry officials
- Translation and notarization of all necessary documentation
We’ve opened accounts for clients across Europe, the Middle East, Asia, and North America — with no physical presence required.
Corporate Banking Options: Choosing the Right Swiss Bank
When opening a Swiss bank account, consider your business type:
- Tech and e-commerce: Favor banks with API integrations and multicurrency support
- Trading or commodities: Choose banks with documentary credit experience
- Family office or asset-holding: Look for private banks with investment advisory
- Fintech/crypto projects: Select institutions familiar with digital asset compliance
We help clients navigate the Swiss banking landscape based on goals, risk appetite, and expected transaction flow.
Legal and Compliance: What Banks Expect
Swiss banks follow strict AML and transparency protocols. Be prepared to answer:
- What is the nature of your business?
- Who are the beneficial owners?
- What is the expected transaction volume?
- What jurisdictions will be involved?
Failure to provide clear answers can delay or block the onboarding process. Our legal team ensures full compliance at every step.
Common Pitfalls and How to Avoid Them
- Delaying the capital deposit: Incorporation is blocked without it
- Choosing the wrong bank: Not all institutions are SME or startup-friendly
- Submitting incomplete documentation: This leads to costly delays
- Ignoring tax registration: Your account must eventually support VAT, AHV, and salary payments
By involving a Swiss law firm early, you save time, reduce costs, and build a more compliant foundation.
How Goldblum Supports Your Swiss Banking Journey
Our integrated legal and fiduciary services include:
- Swiss company incorporation (GmbH or AG)
- Capital deposit coordination with top Swiss banks
- Preparation of articles, POAs, and KYC packs
- Liaison with bank compliance teams
- VAT and AHV registration
- Ongoing corporate maintenance and tax filing
We understand both the legal and banking languages — and bridge the gap for clients globally.
Conclusion: Strategic Banking in a Strategic Jurisdiction
Opening a Swiss bank account as part of your incorporation process is not only a legal requirement — it’s a foundation for strategic financial operations.
With decades of experience, Goldblum helps international entrepreneurs, investors, and family offices build compliant, future-proof structures that begin with strong banking relationships.
Start your Swiss venture with confidence. Partner with a Swiss law firm that knows how to integrate law, banking, and business from day one.