Provider profileLast checked 8 November 2026

BCV SME banking pack

Monthly banking packs from Vaud's cantonal bank for small businesses operating in the canton of Vaud, with a current account, set transactions and a Visa Debit card. New businesses get the first year free.

By the editorial team. All accounts we've researched.

Cheapest plan: SME banking pack: CHF 4 a month, free for the first year for companies less than two years old
Available in: Switzerland
Your money: Bank · esisuisse cover

What it is

Banque Cantonale Vaudoise (BCV), Lausanne, a public-law company registered in the Vaud commercial register. A bank and securities firm authorised by the Swiss Financial Market Supervisory Authority (FINMA).

How your money is protected

BCV is part of the Swiss deposit guarantee scheme. esisuisse protects deposits up to CHF 100,000 per client and bank.

Our e-money vs bank account guide explains what this means if a provider fails.

Who can open one

Businesses that operate only in the canton of Vaud or a neighbouring municipality. Opening online needs an entry in the Vaud commercial register; companies being formed open a consignment account first. Non-Swiss residents and US persons can't open online. The packs are aimed at microbusinesses.

Headline fees

**Table notes:** correct as of 8 November 2026, from BCV SME banking pack's own pages listed under Sources.
Fee	Detail
Packs (monthly)	SME banking pack CHF 4, SME Plus banking pack CHF 8; free for the first year for companies less than two years old
Transactions included	SME 45 a quarter, then CHF 0.50 each; SME Plus 150 a quarter, then CHF 0.30 each
Corporate current account (no pack)	No flat fee; CHF 0.50 per transaction; debit card CHF 40 a year
Visa Debit	Included in both packs
Payments abroad by BCV-net	SEPA free; other payments CHF 6 with shared charges
Visa Debit in foreign currencies	BCV exchange rate plus CHF 2 per in-store purchase or CHF 1 per online purchase
Counter withdrawals	3 free a quarter, then CHF 5
Payment orders by post, phone, email or at the counter	CHF 30 per order
Commercial Card credit card	Silver CHF 85, Gold CHF 170 a year; 1.5% (Silver) or 1% (Gold) on foreign-currency purchases

Limits worth knowing

Only for businesses operating in the canton of Vaud or a neighbouring municipality.
Statement and advice fees are capped at CHF 60 a quarter, excluding postage.

How it compares

See all the accounts we've researched.

Our pick for card spend

Incard: 1% cashback on ads, software and travel, on a £0 plan

Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.

E-money · safeguarded, no FSCS

Read Incard vs BCV Work out your cashback Check eligibility

Apply for Incard on incard.co

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a month on the Free plan, with team cards: £0
cashback on ads, software and travel; 0.5% on other eligible spend: 1%
IBANs in three currencies: GBP, EUR, USD

Check BCV SME banking pack's current terms

Fees and eligibility can change. Confirm them on the provider's own site before you apply.

Visit BCV SME banking pack

Sources

All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.