You will need a capital contribution account (CCA) before constituting a company (GmbH/AG). You are required to transfer the initial capital (CHF 20’000 for a GmbH, CHF 100’000 for a AG) to this account, thereby proving that you have the necessary assets.
You can only access this capital and transfer it to a business account after the company has been entered in the commercial register.
The costs of a capital contribution account, as well as the processes for opening it, vary from bank to bank. We would be happy to find the right solution for you.
In principle, owners of a sole proprietorship do not need to open a separate business account. However, a separate account will simplify your accounting tremendously and reduce the workload, for example for an external accountant.
The costs of a business account are modest and usually also include a company credit card to simplify payments for your company.
We will be happy to advise you and find the right banking partner for you.
Separation of private and company assets