Capital payment account

Save your starting capital securely

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Capital payment account for private limited companies and limited liability companies in Switzerland: with the blocked account from PostFinance, you can pay in your share capital securely and deposit it until it is entered in the commercial register. After the company is founded, the account is converted into a business account.

How to get off to a flying start with the capital payment account from PostFinance

  • Securely deposited
    Your starting capital is stored reliably and in compliance with the law throughout the entire process – to ensure a carefree start.
  • Transfer seamlessly
    Following the entry in the commercial register, your capital payment account is automatically converted into a business account. The paid-in capital is available to you directly.
  • Attractive conditions
    Benefit from clear, fair conditions – including free account management with PostFinance’s startup package.

Who and what is a capital payment account for?

You need a capital payment account (also known as a blocked account) in Switzerland if you are setting up a limited liability company or private limited company. It is used to pay in the statutory share capital securely before your company is entered in the commercial register.

A capital payment account ensures that the legal part of the capital deposit is processed easily and correctly – and that you can start your business without getting sidetracked.

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Here’s how depositing capital works

  1. Book an appointment: in the appointment with the customer advisor, you issue the order to open a capital payment account.

  2. Fill in the forms: fill in the required forms together with your advisor. You receive the documents for signing – including your account number (IBAN) for the subsequent inpayment.

  3. Confirmation by e-mail: you receive confirmation by e-mail that your capital has been paid in.

  4. Confirmation: the capital payment confirmation will be sent to you physically after your inpayment.

  5. Foundation: You set up the company or carry out the corporate action with a notary and send PostFinance the extract from the commercial register and any other necessary resolutions.

  6. Convert account: once your company has been founded, your capital payment account automatically becomes a business account – including an active startup package so that you can benefit from attractive conditions immediately and without any effort.

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Exclusive gift once company founded

Once you have successfully started a business, you will benefit from an exclusive startup package with PostFinance: we’ll waive the account fees for your business account with e-finance for two years. What’s more, other attractive offers await you.

More information on the startup package
  • Your company is domiciled in Switzerland or the Principality of Liechtenstein
  • Legal form: private limited company or limited liability company
  • Account in CHF

Good to know

  • If there are more than 20 depositors, please contact PostFinance in advance
  • Crowd investing solutions are not accepted

Fees

The one-off fee for starting capital of CHF 145 will be charged.

The fee for the capital payment account is exempt from VAT and will be charged for the opening and management of the capital payment account.

Current interest rates

No interest is paid on the capital payment account.

Outpayment of capital

For new customers, the capital payment account is converted into a business account.

  • A capital payment account is a temporary account that serves as proof of security for the share capital. It is used for founding a corporation (e.g. a limited liability company or private limited company) in Switzerland, specifically for paying in the nominal capital or share capital before the company is entered in the commercial register.

  • A capital payment account is the same as a blocked account: both terms refer to a temporary account into which the nominal capital (for a limited liability company) or the share capital (for a private limited company) is paid before the company is entered in the commercial register. Depending on the bank or region, terms such as proof of funds account, startup account or payment account are also used. They all refer to the same thing: an account for the secure deposit and documentation of the transfer to capital reserves when setting up the company.

  • The one-off fee for opening a capital payment account is CHF 145. For capital increases or subsequent payments, the fee is 0.05 percent of the paid-in capital (at least CHF 250, up to a maximum of CHF 2,000). No interest is paid on the credit balance.

  • After the entry in the commercial register, PostFinance converts the blocked account into a business account and the capital is transferred.

  • A minimum capital sum of CHF 20,000 is required to set up a limited liability company (GmbH) in Switzerland. This capital must be paid in full when the company is founded.

  • A minimum capital sum of CHF 100,000 is required to set up a private limited company (Ltd) in Switzerland. At least 20 percent of this amount, but at least CHF 50,000, must be paid in when the company is founded.

Are you still unsure? Get in touch with us by phone and we will answer your questions.

Capital payment account

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