Provider profileLast checked 8 November 2026
ZKB Firmenkonto
A CHF business account from Zürcher Kantonalbank, sold to SMEs and start-ups in the KMU-Package with two accounts, two Visa Debit cards and eBanking, free in the first year.
- Cheapest plan
- Free for the first year, then CHF 7 a month
- Available in
- Switzerland
- Your money
- Bank · esisuisse cover
What it is
Zürcher Kantonalbank is an independent public-law institution of the Canton of Zurich (UID CHE-108.954.607), licensed as a bank by FINMA under the Swiss Banking Act.
How your money is protected
Deposits are covered by esisuisse up to CHF 100,000 per customer per bank, with all accounts added together. The Canton of Zurich also guarantees ZKB's liabilities, except subordinated ones, if the bank's own funds are not enough.
Our e-money vs bank account guide explains what this means if a provider fails.
Who can open one
Companies based in Switzerland, associations and federations. ZKB's company-founding pages cover AG, GmbH and sole proprietorships (Einzelfirma) and point founders to the KMU-Package. Domiciliary companies and firms domiciled abroad pay a higher account fee.
Headline fees
| Fee | Detail |
|---|---|
| Firmenkonto | CHF 7 a month; free in the first year with the KMU-Package |
| ZKB Visa Debit Card | CHF 3.30 a month per card; free in the first year with the KMU-Package |
| Domiciliary companies and firms domiciled abroad | CHF 50 a month per account |
| Electronic payments (all incoming, domestic CHF and EUR, SEPA) | 600 free a month per customer, then CHF 0.20 each |
| Electronic payments abroad or in other currencies | CHF 4 |
| Instant payment surcharge | CHF 2 |
| Visa Debit card payments in foreign currencies or abroad | 1.25%, up to CHF 1.50 per transaction |
| ZKB Mastercard Commercial | Silver CHF 85 a year, Gold CHF 170 a year; free in the first year with the KMU-Package |
| Capital deposit for a new AG or GmbH | From CHF 125 with the KMU-Package (normally CHF 250) |
Limits worth knowing
- The 600 free electronic transactions apply per customer per month and don't carry over.
- Package prices exclude transaction prices and postage; paper documents cost CHF 1 postage in Switzerland (B-Post).
How it compares
- Incard vs ZKBFees, cashback, foreign currency, protection and eligibility side by side.
- ZKB alternativesAccounts to look at if ZKB doesn't cover what you need.
ZKB against other accounts
See all the accounts we've researched.
Our pick for card spendIncard: 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.
Read Incard vs ZKBWork out your cashbackCheck eligibility
We may earn a commission if you apply.
- 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 ZKB Firmenkonto's current terms
Fees and eligibility can change. Confirm them on the provider's own site before you apply.
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.