How International Companies Can Get a Local Swiss IBAN Easily
- Epico Finance
- Apr 3
- 3 min read
Switzerland is one of the most sought-after jurisdictions for international business banking. Whether you're operating in e-commerce, fintech, asset management, or global trade, having a dedicated local Swiss IBAN can enhance transaction speed, trust, and financial credibility. However, opening a Swiss IBAN—especially for non-resident or international businesses—requires the right approach.
What Is a Swiss IBAN?
An IBAN (International Bank Account Number) is a standardized format used to identify bank accounts internationally. A Swiss IBAN starts with the country code CH and is issued by a financial institution located in Switzerland.
A dedicated Swiss IBAN means the IBAN is exclusively assigned to your business, not shared with others—this is crucial for incoming payments, client confidence, and compliance.
Why Your Business Needs a Local Swiss IBAN?
Having a Swiss IBAN isn't just about prestige—it brings tangible financial and operational benefits, including:
Faster SEPA and SWIFT Payments
✔ Payments within Europe are processed more efficiently
✔ Reduces rejection of transfers from clients or partners who require local IBANs
Trusted Reputation
✔ Swiss banks are globally respected for stability, privacy, and compliance
✔ Helps businesses build credibility with partners and investors
Multi-Currency Capabilities
✔ Many Swiss business accounts allow CHF, EUR, USD, and GBP support
✔ Simplifies cross-border trade and FX management
Strong Banking Infrastructure
✔ Swiss banks are known for security, compliance, and long-term reliability
✔ Swiss banks are know for strong privacy features
Who Can Apply for a Swiss IBAN?
Eligibility depends on your business type, industry, and structure. In general:
✅ Swiss companies (GmbH, AG) can apply directly
✅ EU and international businesses can apply via fintech or EMI platforms
✅ High-risk businesses (crypto, gambling, forex) may require specialized providers
If you would like to get an up to date list of best digital banks for international company or high-risk business, fill out our contact form with your details and we will send it to you by email.
Required Documents to Open a Swiss IBAN Account
To open a business account with a Swiss IBAN, you typically need:
📄 Certificate of incorporation
📘 Company structure and ownership chart
🪪 KYC documents of directors and shareholders
📝 Description of business activity
💸 Proof of source of funds or expected transaction volumes
The stronger your compliance and documentation, the smoother the onboarding.
How to Get a Dedicated Swiss IBAN?
There are two main options:
1. Traditional Swiss Banks
✔ High levels of credibility
✔ Full banking services, including loans, FX, and investments
✔ Suitable for medium-to-large companies or Swiss-domiciled entities
Examples:
Credit Suisse
UBS
PostFinance
Banque Cantonale Vaudoise
However, the traditional banks may not support non-resident or high-risk sectors.
2. EMIs and Fintech Platforms (with Swiss IBANs)
✔ Fast online onboarding
✔ Dedicated local CH IBANs via partnering banks
✔ Lower fees and minimum deposit requirements
✔ Ideal for international businesses, freelancers, or crypto-friendly firms
If you would like to get a list of top Swiss Fintechs with CH IBAN, contact us.
Things to Consider When Choosing a Provider
Before selecting a provider, assess the following:
Feature | Why It Matters |
CH IBAN Type | Ensure it's dedicated, not a pooled/shared IBAN |
Multi-currency support | Especially if your business receives USD/EUR |
Payment network access | SEPA and SWIFT compatibility is essential |
Industry acceptance | Check if your sector is supported (e.g., crypto, gaming) |
Online banking tools | Useful for day-to-day transaction management |
Benefits of Using Swiss IBAN for International Payments
✅ Accept client payments globally without raising compliance flags
✅ Send and receive funds via SEPA & SWIFT
✅ Avoid delays and blocked transactions from banks that require same-country IBANs
✅ Lower FX costs by holding multiple currencies in the same account
Conclusion
Getting a dedicated local Swiss IBAN can open new financial and business opportunities—especially for companies that require international trust, banking precision, and payment reliability. Whether you're a Swiss-registered firm or a global business seeking a prestigious account for international operations, there are multiple routes to secure one.