How to Open a Swiss Bank Account - Studying in Switzerland (2023)

Swiss banks are known worldwide. Alongside their delicious food, beautiful places, and quality watches, the Swiss are also known for their banking system. While that fame mostly comes from investment banking and accounts holding millions, if living in Switzerland has sparked an interest in you, or you want to open a Swiss bank account, then you would like to know how their banks work.

Why Are Swiss Banks Famous?

Swiss banks have a reputation for providing anonymity, safety, and have earned the tax haven name. However, the days when Switzerland banks served for providing top-secret accounts are gone. It’s not that all banks in Switzerland swore off of offshore clients. Nevertheless, now they’re more cautious and much more regulated when it comes to non-Swiss residents who want to open Swiss bank accounts.

Switzerland now has a law—which was first an agreement between Switzerland and the U.S.—that makes tax evasion highly improbable. This law is called the Foreign Account Tax Compliance Act (FATCA), which requires the country to provide information about U.S. accounts in Switzerland.

Swiss bank account advantages

Swiss banks offer economic security, confidentiality, and asset protection. Apart from being the most capitalized and safest, swiss banks offer accounts in all major currencies, and they include low levels of financial risk. The Swiss economy is known for its stability and neutrality when it comes to conflicts.

These benefits make swiss banks the most economically stable and secure place where you can store your money. Given that, Swiss bank account opening may seem a bit tricky at first, but once you get the gist of the essential requirements, it will ease up.

Types of Bank Accounts in Switzerland

There are numerous types of bank accounts in Switzerland, and they all serve specific purposes.

Current accounts

A current account is the simplest type of bank account you can open in Swiss banks. You can receive your salary, pay your bills, save money, and invest through this account. Moreover, you can also withdraw cash in both Swiss francs and euros.

Current accounts usually require a monthly fee, which varies from CHF 5 per month for standard accounts and up to CHF 15 per month for premium accounts. In addition, if you withdraw cash from ATMs that other banks manage, you may be required to pay additional processing fees.

Joint accounts

True to their name, joint accounts can be used by two parties, and both have full access to any funds. Most usually, joint accounts are held 50:50 between the two parties; however, if both named holders agree, they can also hold the account in different proportions.

Savings and investment accounts

If you’re looking to put money aside or even invest them, saving and investment accounts are the best choice for you.

Though they sound similar, saving and investing are two different concepts. On one hand, saving accounts allow you to save your money for long periods and eventually earn a lower return, but with no risk. On the other hand, investing allows you to make much more in return, but you also risk losing a considerable amount of money.

Numbered Swiss bank accounts

Numbered accounts are high-security accounts that some Swiss banks offer so that the account holder has an extra layer of privacy.

These accounts, however, include significant fees that can go up to CHF 2,000 a year. For such accounts, banks are allowed to ban international payments as well as monitor large payments for money laundering purposes.

How to Open a Swiss Bank Account for Non-Resident or Foreigners?

If you’re moving to Switzerland or just someone interested in owning a bank account in Switzerland, you probably want to tackle the account opening issue head-on. Wherever you’re trying to open an account, this task is bound to meet you with its challenges.

First, we have to mention that Swiss Law enables non-residents to open a Swiss bank account at least 18 years old. Apart from this, there aren’t a lot of limitations.


Opening a Swiss bank account is challenging for non-residents trying to open accounts overseas, where they won’t seem to find everyday services of Swiss banks in other countries. Nonetheless, they can contact a Swiss bank online and resort to transactions via correspondence (the latter is usually done by post and rarely online).

To start things off, a non-resident would have to contact a Swiss bank and request an application package—which, to a resident, is the equivalent of walking into a bank and asking to open a bank account. After taking these steps, you will be provided with an account manager to guide you through the process.

Requirements for opening a Swiss bank account

Whether you’re in Switzerland or abroad, there are some ground requirements that you’ll have to meet in order to settle this. Those being your documentation and eligibility. So, prepare for a lot of paperwork, some more, and some more.


Same as any other bank in the world, Swiss banks require a certain amount of paperwork and documentation. This serves for verification of identity and sources of income, whose purpose is separating them from any illegal work their potential client might have in their portfolio. If you’re looking to open a bank account in Switzerland, the documentation you’ll need is:

  • A valid passport,
  • Verification of the origin of your income (this could be a statement from your last bank),
  • Confirmation of the address you listed (they might choose to send some mail to your address to verify this).

However, if you’re looking to open a Swiss account from abroad, you’ll need to get your documents authorized. You can do this by getting notarized copies or an Apostille stamp, or you can visit either a local branch of your Swiss account or the correspondent bank they chose for you.


No matter how great you may be on paper, there are some countries Switzerland won’t do business with. Whether that happened due to the Embargo Act or other political exclusions, that automatically loses your eligibility.

Say this isn’t one of your problems, you can still be estimated as ‘politically exposed’, and that essentially means they think of you as sketchy or you have some public scandals behind you. In this case, your legal income and nationality won’t do much for you, and you’d still be unable to open a Swiss bank account.

Make sure you have nothing of the sort in your background, and you can get started with your account.

Swiss bank minimum balance

The minimum balance for Swiss bank accounts depends on the account type and can vary from free of charge up to millions of dollars.

Generally, Swiss banks may require you to deposit at least 10,000 CHF ( $9,000 or EUR 6,800) within a month of opening your account. However, as previously mentioned, that may vary. For example, the UBS Group requires a minimum balance of up to 5,000,000 USD; whereas, Raiffeisen Switzerland Bank requires no minimum balance.

How to Open a Swiss Bank Account for Your Children?

Your children’s future is important, and Swiss banks know that. That’s why these banks offer savings accounts from children to which parents can make deposits and earn interest for their children’s future.

Such accounts are in the children’s name; however, only their parents can administer them until they reach legal age. They pay varying amounts of interest and provide the best rates up to certain limits (e.g., CHF 20,000).

Besides children’s accounts, Swiss banks also offer gift-saving accounts. These types of accounts can also be opened by other family members, like grandparents. In gift saving accounts, you can invest your savings in a fund, and if that fund does well, you can make a high return on cash. However, if the fund performs poorly, you may end up losing money.

When you’re choosing a bank for your children’s account, make sure to select the bank that offers the best services, such as cross-border payments, cash advances, and applying for a loan.

Transferring Money from & to Switzerland

If for any reason, you or someone you know are in immediate need of money but are afraid that the transfer is going to cost an arm and a leg, you can always turn to money-transferring services like Transferwise to make transfers to & from Swizterland* at any time, and chances are that they will be more affordable to you.

Such services tend to have more optimized processes in place that will save you time and money. In fact, Transferwise services are provided online, which means that you can use the said services from the comfort of your house. All you need to do is create a Transferwise online account, and from there, everything will go smoothly.

(Video) Opening a Swiss bank account as non-Resident | Offshore Banking in Switzerland | Finance & Banking

Choosing a Swiss Bank and Cards

How to Open a Swiss Bank Account - Studying in Switzerland (2)

Choosing the right bank for you is an important step that will save you time and cut the chances of you having to go through different banks. However, whichever bank you end up choosing, you’ll have a guaranteed safety that comes with it.

Swiss Banks

Your option is to open an account at cantonal banks, private banks, and the two big Swiss banks (UBS Group AG and Credit Suisse Group AG). These have their differences in size, requirements, and what they provide.

The two major banks operate throughout the whole country and have headquarters in many international cities, so you won’t have to worry about moving and not being able to access your bank account.

As per Financial Times, a private bank is a term that refers to private banking services and they are often private banks that are usually shared corporations.

Cantonal Banks operate in cantons—meaning they don’t mix with residents of other cantons. So, if you tend to move often, and are moving from a canton to the other, they will ask you to change banks. Furthermore, if you happen to leave Switzerland, they will ask you to close the account altogether.

Another Swiss bank is the Swiss National Bank; however, you can’t open an individual account here. SNB’s role is to supply the Swiss economy with Swiss banknotes and is in charge of coin distribution.

National Swiss retail banks

National Swiss retail banks typically have branches across the country. They’re usually open Monday to Friday from around 8 am to 7 pm and offer walk-in services that allow you to withdraw and deposit cash, ask questions, and make appointments with your advisors.

These banks usually have multilingual staff; however, there isn’t a guarantee that the staff speaks English.

Some of the most known Swiss retail banks are:

  • UBS
  • Migros Bank AG
  • PostFinance
  • Raiffeisen
  • Credit Suisse

Swiss cantonal banks

Swiss cantonal banks are owned by the government and offer similar services to retail banks. Traditionally, they specialize in providing savings and mortgage products, and they tend to provide accounts only to the residents of the Swiss canton they operate in.

Some of the most known cantonal banks in Switzerland are:

  • Aargauische Kantonalbank
  • Appenzeller Kantonalbank
  • Banque cantonale de Genève
  • Banque cantonale du Valais
  • Luzerner Kantonalbank
  • Urner Kantonalbank

Regional savings banks

As the name suggests, Regional saving banks provide services in specific geographic regions. Though they’re similar to cantonal banks, they usually offer more limited services, such as saving accounts and mortgages.

Swiss investment banks

The Swiss banking sector includes numerous investment banks, and some of them only allow wealthy customers who invest huge amounts of money to open their investment accounts. However, this service can also be provided by many retail banks.

Where Swiss investment banks differ from others is that they exclusively cater towards investment activities.

Some of Switzerland’s most prominent investment banks are:

(Video) How to Open a Swiss Bank Account

  • Julius Bär Group
  • Bank J. Safra Sarasin
  • EFG International
  • Vontobel

International banks

Similar to Swiss retail banks, international banks are very likely to have English-speaking staff, and you can find them mainly in big cities like Zurich and Geneva.

Some of the most-known international banks in Switzerland are:

  • Banco Santander (Spain)
  • HSBC (United Kingdom)
  • Deutsche Bank (Germany)
  • Barclays Bank (United Kingdom)
  • Citibank (United States)
  • BNP Paribas (France)


As specified by The Balance, non-residents usually don’t use swiss banks for daily activities. Swiss accounts’ main benefits are their privacy and stability; nonetheless, you may get a debit or credit card for spending.

Taking that into consideration, the card you’ll first want to get from a Swiss bank is a debit card; you can use this card for day-to-day things like withdrawing cash or paying in shops. If you’ve set up the account, getting this card should be a walk in the park.

However, as mentioned by Expatica, if you want a credit card, you’ll have to wait for two months, and in those two months, deposit the maximum limit of your credit card twice.

Largest Bank in Switzerland

With more than 280 branches in over 50 countries, UBS Group is the largest bank in Switzerland. This bank offers world-class services to private institutions, corporate clients, as well as retail clients.

Its services consist of, but aren’t limited to:

  • investment banking
  • wealth management
  • asset management
  • capital market financing services

In June 2021, UBS Group had no less than CHF 1 trillion in total assets and CHF 475 billion in deposits.

Cost of Opening a Swiss Account

As is the case with most banks, there are some fees to take care of once you set up your account. These fees are within the normal range, but there’s a way of getting around them. So, you can expect a monthly maintenance fee from CHF 10 to CHF 30. However, if you switch to electronic banking statements, take a mortgage with the said bank, or have a hefty amount of deposits, these fees will be either reduced significantly or waived.

Switzerland interest rate

In Switzerland, the Swiss National Bank (SNB) takes decisions for interest rates. Negative interest has been applied since 22 January 2015 and currently corresponds to the SNB policy rate. Now the actual Swiss bank account interest rates stand at -0.75%.

Most foreign swiss account holders have their bank account in other currencies from Swiss Francs; otherwise, they’ll have to pay the Swiss withholding tax.

Swiss Banks Secrecy

Privacy is a big reason people resort to banks in Switzerland, but as mentioned before, Switzerland isn’t the place for movie-like, top-secret accounts anymore. There’s sound reasoning behind that since, for a long period, America’s wealthy 1% has used it for tax evasion and hiding illegal money in the past.

How Privacy Works for Banking in Switzerland

How to Open a Swiss Bank Account - Studying in Switzerland (3)

Now there are strict policies in place to prevent that from happening. While a few decades back, Swiss banks wouldn’t disclose your wealth to international authorities now they have an agreement with the U.S. that makes that possible.

Although Swiss banks don’t offer the same privacy as before, they still provide numbered accounts for those interested. Based on The Economic Times, numbered accounts serve for hiding your identity from the papers—meaning numbers appear where your name would typically be. These bank accounts require a significant sum of money for maintenance and have some restrictions of their own, which is why fewer people opt for them.

As for standard accounts, your information is safe with the bank, but your name will continue to be on your financial paper trail.

(Video) How To Open A Swiss Bank Account For Non-Resident?

After all, even righteous citizens appreciate the additional layers of privacy that Swiss banking offers.

FAQs About Switzerland Banks

Can Swiss bank accounts be traced?

Hardly. It’s difficult to trace Swiss bank accounts due to the strict banking secrecy laws. According to the law, banks will not disclose their clients’ banking information because that represents a criminal offense.

Are Swiss bank accounts illegal?

No. But hiding them may be. When you do it for legitimate reasons, using a Swiss bank account is not illegal, even if it’s outside of your home country. However, in most cases, you may be required to declare your offshore bank account to your home country.

Can Americans open a Swiss bank account?

Yes. Any adult U.S. citizen is legally allowed to open a Swiss bank account. However, you can’t do that anonymously. Even though there aren’t taxes for accounts in Switzerland, American citizens must report their Swiss bank accounts to the Internal Revenue Service.

Apart from the great transport system, quality of life, and colorful culture, Switzerland is a country well-known for its banks. To this day, Swiss banks are one, if not the safest, places in the world to store your money. So, for whatever reason you might be interested in opening a Swiss bank account, we hope this helped you ease the process. Happy banking in Switzerland!



*This article may contain affiliate links. When you make transactions through links on this article, we may earn an affiliate commission.


Can a student open a bank account in Switzerland? ›

As a student, you can choose between youth savings accounts or standard savings accounts at almost any Swiss bank. A few banks even offer a special student savings account, which (like a youth savings account) offers higher yield rates than a regular savings account.

Can I open a Switzerland bank account if I don't live in Switzerland? ›

Yes. In principle, Swiss bank accounts are most certainly legal for non-Swiss residents. However, as a non-resident, it would very likely be illegal to try to conceal any income in your Swiss bank account from the tax authorities in your home country.

Can I open a Swiss bank account remotely? ›

Foreign individuals and companies can also open Swiss bank accounts remotely, as this is one of the few European countries to allow for the procedure to be completed online. Even so, the banks allowing for such accounts to be created will require a larger deposit compared to more traditional banks.

How do I open a Swiss bank account in Switzerland? ›

The simplest way to open a Swiss bank account is by visiting a bank in person. In general, accounts take from one week up to one month to become active. You won't usually need to make an appointment to open a bank account. Any requested credit or debit cards can be expected to arrive after a week to 10 days.

How much bank balance is required for student visa in Switzerland? ›

The Migration Office of the Canton of Zurich requires a confirmation from a Swiss-domiciled bank (foreign bank with a branch in Switzerland OR a Swiss bank with a branch in your home country) stating that you have access to the equivalent of CHF 21,000. - at the beginning of your studies.

How much money do I need to open a Swiss bank account? ›

Foreigners are accepted for wealth management purposes only. They can't open a basic account for the execution of daily payments. Most Swiss private banks expect at least 1,000,000 CHF.

Which Swiss bank is best for foreigners? ›

Credit Suisse Group AG

If you're asking yourself which Swiss bank is best for foreigners, this one could be it. Credit Suisse offers its customers three different packages: Bonviva Silver, Gold, and Platinum, within which you have debit cards, credit cards, savings accounts, private accounts, and insurance.

Do you have to pay taxes on a Swiss bank account? ›

Benefits of Swiss Bank Accounts

Accounts held in Swiss Francs will earn a small amount of interest, but they'll also have to pay the Swiss withholding tax.

What documents do I need to open a Swiss bank account? ›

If you're looking to open a bank account in Switzerland, the documentation you'll need is: A valid passport, Verification of the origin of your income (this could be a statement from your last bank), Confirmation of the address you listed (they might choose to send some mail to your address to verify this).

Are Swiss banks still secret? ›

There is no longer Swiss bank client confidentiality for clients abroad,” the Swiss Bankers Association (SBA) said, adding that automatic exchange of banking information has “become the norm – for both banks and bank clients”.

Why Swiss bank is famous for black money? ›

Swiss banks are one of the most popular and widely used places to park the black money. Swiss banks, unlike others, will never release account details, even if requested by the government of the depositor's country. They require large deposits, and depositors require confidentiality; it is a mutually beneficial deal.

Can foreigners have a bank account in Switzerland? ›

Can foreigners living in Switzerland open a bank account? There are no laws which forbid Swiss banks from opening accounts for foreigners living in Switzerland, regardless of their citizenship. But banks are free to decide for themselves which kinds of residence permits they require.

Why is Swiss bank so special? ›

Swiss bank accounts are attractive to depositors because they combine low levels of risk with very high levels of privacy. The Swiss economy is extremely stable, and the banks are run at very high levels of professionalism. Almost any adult in the world can open an account in a Swiss bank.

Is it easy to get Swiss student visa? ›

If you choose to study full-time, a long-term visa (over 90 days, National visa) is required. A long-term visa application must be submitted in person at a Swiss embassy or consulate in your country. The residency permit is valid for one year or for the duration of your studies.

How much does a Swiss student visa cost? ›

At the current exchange rates, the Switzerland study visa cost is CHF 88 (roughly INR 7168 or USD 90). In case you want to get a visa urgently, you will have to pay upto CFH 50 ( approx INR 4052 or USD 51). Note - After you pay the Switzerland study visa cost, you are required to pay for your Swiss residence permit.

How long is Swiss student visa? ›

It can take between 8 and 12 weeks to process your visa, so it's well worth starting your application as soon as possible. Try to start at least three months before you need to travel, but ideally, you should start your application as soon as you receive your offer from a Swiss university.

What salary do I need in Switzerland? ›

How much money do you need to live comfortably in Switzerland? Answer- In most Swiss cities, a single person would need a net salary of 3,500 CHF per month to live comfortably, while a family of four would need a net salary of at least 9,000 CHF per month.

Can I put my money in a Swiss bank account? ›

Swiss banks are happy to have foreign residents as customers. You can hold an account in Swiss francs or in a range of other world currencies. Each bank will set the minimum deposit amount for opening the account, so you will need to find a bank that will accept the amount of funds you have.

Can you avoid taxes with a Swiss bank account? ›

This led to many wealthier Americans placing their money in Swiss banks to hide assets from the U.S. government and avoid paying taxes on their undeclared offshore investment income. However, the Swiss laws which protected account holders' identities are no longer effective.

What is the safest Swiss bank? ›

Migros Bank is a licensed Swiss bank. As such, your money is protected for up to 100'000 CHF. This protection is the best security you can get for your money in Switzerland.

Is a Swiss bank account worth it? ›

Swiss banks have long been considered secure, discreet money-holding institutions. Another major benefit of opening a Swiss bank account is the access to financial advice from Swiss bankers.

How can I avoid tax in Switzerland? ›

Reduce taxes in Switzerland
  1. Use The third pillar. The first thing we can do is to invest in the third pillar. ...
  2. Use The second pillar. ...
  3. Mortgage can lower your taxes. ...
  4. You can deduct Renovations. ...
  5. You can deduct Donations. ...
  6. Different county and states have different taxes.
19 Jun 2019

How much money is protected in a Swiss bank account? ›

Privileged bank deposits (excluding retirement savings) of up to CHF 100,000 per client are immediately paid out of the bank's available liquid assets in and outside Switzerland. Depositor protection scheme for privileged bank deposits at a Swiss branch (excluding retirement savings) of up to CHF 100,000 per client.

Which banks do billionaires use? ›

Where Do Millionaires Keep Their Money?
  • JP Morgan Chase (Private Bank) This bank is one of the oldest and most well-known banks in the United States. ...
  • Bank of America (Private Bank) ...
  • Citigroup (Private Bank) ...
  • Wells Fargo (Private Bank) ...
  • HSBC (Private Banking)
3 Jun 2022

Why do millionaires keep their money in Swiss banks? ›

Switzerland has a long, kindred history of banking secrecy and client confidentiality reaching back to the early 1700s. Starting as a way to protect wealthy European banking interests, Swiss banking secrecy was codified in 1934 with the passage of the landmark federal law, the Federal Act on Banks and Savings Banks.

Do Swiss banks freeze accounts? ›

This letter is an official freezing order signed by the Swiss Federal Prosecutor and addressed to the bank. In fact the accounts are officially blocked. Furthermore, the prosecutor requests the client to provide the account documents, including the history of all transactions.

Which is the No 1 bank in the world? ›

Industrial & Commercial Bank of China Limited

Which is the safest bank in world? ›

World's safest banks
2Zürcher KantonalbankSwitzerland
3Landwirtschaftliche RentenbankGermany
6 more rows

Which is the most powerful bank in the world? ›

The largest bank in the world in terms of total assets under management (AUM) is the Industrial and Commercial Bank Of China Ltd.

Where do millionaires keep their money? ›

Mutual funds and stocks are the most common options that some millionaires and billionaires go through first. Once they're in a stable position, they often buy property to diversify their portfolio and increase their wealth through real estate investment.

Why do rich people love Swiss banks? ›

Swiss law creates a kind of “bank secrecy” where it's actually illegal to divulge the identity of their account holders. Unless there's a significant legal cause, Swiss banks can't hand over the names of their clients to investigators or foreign governments. If they do, they can be prosecuted by the Swiss government.

Which Swiss bank is the best? ›

Table of contents
  • #1. UBS Group AG:
  • #2. Credit Suisse:
  • #3. Raiffeisen Switzerland:
  • #4. Zurich Cantonal Bank:
  • #5. Julius Baer Group:
  • #6. Banque Cantonale Vaudoise:
  • #7. EFG International:
  • #8. Basler Kantonalbank:

Can a foreigner have a bank account in Switzerland? ›

Swiss banks are happy to have foreign residents as customers. You can hold an account in Swiss francs or in a range of other world currencies. Each bank will set the minimum deposit amount for opening the account, so you will need to find a bank that will accept the amount of funds you have.

How much money does a student need in Switzerland? ›

You should have an average budget of 1,300 – 1,700 EUR/month to pay for accommodation, food, transportation, supplies and leisure activities. Geneva and Zurich are the most expensive cities, and you might need a budget exceeding 1,700 EUR/month.

How much money a student can earn in Switzerland? ›

Ans. On an average, an international student can earn around 2,200-2,800 CHF per month in Switzerland which is around 180,000-225,000 INR for Indian students.

Can anyone open account in Swiss bank? ›

Nonresidents of Switzerland must be at least 18 years old to open a Swiss bank account, and that's about the only restriction. The main benefits of Swiss bank accounts include low levels of financial risk and high levels of privacy.

Is Swiss bank tax free? ›

You might assume that you won't need to pay any tax at all in a tax haven, but this is a myth. Swiss nationals and foreigners must pay Swiss taxes, but rates are lower than in many other countries. The federal government sets a base level for income and corporate tax.

What is a good monthly salary in Switzerland? ›

In Switzerland, a monthly income between 6,000 CHF and 9,000 CHF is considered to be a good salary.

How much salary is enough in Switzerland? ›

How much money do you need to live comfortably in Switzerland? Answer- In most Swiss cities, a single person would need a net salary of 3,500 CHF per month to live comfortably, while a family of four would need a net salary of at least 9,000 CHF per month.

Which job is highly paid in Switzerland? ›

Simply put, people in the medical profession are paid the highest because their specialized fields require the most training and the most practice.

What is the lowest paying job in Switzerland? ›

Among the lowest paid professionals are taxi drivers who are just starting out. They have a listed salary of 3,150 francs a month.

Which job pays highest salary in Switzerland? ›

IT Systems Architect

IT system architecture is one of the highest-paid professions in Switzerland.

Is it worth having a Swiss bank account? ›

Swiss banks have long been considered secure, discreet money-holding institutions. Another major benefit of opening a Swiss bank account is the access to financial advice from Swiss bankers.


1. How to open a Swiss bank account
(Welcome to Switzerland)
2. How to open a Swiss bank account from the US
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3. How to open a Swiss Bank Account for Non Residents?
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4. Do I Need To Be Present In Switzerland To Open Up A Swiss Bank Account?
5. Open a Bank Account in Switzerland
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6. What is the Minimum Deposit for a Swiss Bank?
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