How International Companies Can Get a Local Swiss IBAN Easily

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.