Accounts for everyday banking Everyday essentials: manage your banking and payments quickly and conveniently. Available as an individual account or as part of a banking package.
Capital Deposit Account
The free account for starting your business
The first step towards your new business: create your SA or LLC with GCHB key4 business, including a free capital deposit account.
Save time and money with GCHB key4 business
Free capital deposit account for setting up your SA or LLC
Free business account and prepaid or debit card for the first year
Special conditions for foreign currency transactions for the first year
Free online opening via the app
Free transfer of funds to your GCHB business account after setting up your business or increasing capital
Enjoy not only a free account and card for the first year, but also a free banking package for the second year when you subscribe to Zurich business insurance. Learn more (PDF, 105 KB)
How much does it cost?
Capital escrow account for founders of an AG or SARL
Free (with us and nowhere else)
Optional: Free legal advice for the first year
Business account
Free for the first year
Only 80 francs per year
Optional: Also free for the second year when you subscribe to insurance
For any debit or prepaid card
Free for the first year
Only 50 $ per year
Optional: Also free for the second year when you subscribe to insurance
What are GCHB key4 and GCHB key4 business?
The basic online offering for all SMEs is called GCHB key4 business. In addition to a free capital deposit account for the creation of an SA or SARL, it also includes a free account for the first year, a card, and special conditions for foreign currency transfers. In addition, the GCHB key4 business Marketplace offers attractive discounts and products from our partners, making everyday life easier for businesses.
What are the requirements for opening a GCHB key4 business?
Minimum age: 18
Residence in Switzerland
Passport or identity card from one of these countries (PDF, 189 KB)
When setting up the business:
Creation of a public limited company (SA) with a capital of USD 100,000 or an LLC with a capital of USD 20,000
The company name has been verified in the commercial register
You hold at least 25% of the company's shares
You register in the commercial register with an individual signature
Technical requirements for installing and using the app:
Smartphone with a camera
iPhone with iOS version 13.0 or higher
Smartphones with Android OS version 8.0 or higher
For more information on technical requirements
What are the special conditions for foreign currency transfers?
The conditions are valid for 12 months and apply to all individual transactions under USD 25,000 and to an annual volume of up to USD 25,000.
0.85% margin for foreign currency payments (applies to induced foreign exchange transactions, such as incoming and outgoing foreign currency payments to accounts, foreign exchange swaps, account transfers, etc.)
For major currencies: AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, SEK, SGD, USD
Possibility of a forward margin increase
How can I benefit from the banking package free of charge for the second year as a new customer? You benefit from a free business account, debit or prepaid card, and, as a business founder, a capital deposit account for the second year if you take out SME insurance from our partner Zurich via GCHB key4 business or by phone. Learn more (PDF, 105 KB)
Simply choose the insurance you need when finalizing your account opening and calculate the premiums quickly and without obligation. You can finalize the subscription later and benefit from exclusive offers.
Not sure which insurance you need or would you like personalized advice? A Zurich team is available to assist you at 0848 77 11 22.
Open your bank account now by choosing an insurance policy, benefit from your banking package free of charge for two years, and save up to CHF 260 in bank fees.
