Skip to content
Card & Current

GuideLast checked 8 November 2026

Business accounts for Swiss sole traders

Swiss sole proprietors can open a business account with a Swiss bank or with Incard, which accepts Swiss sole-trader businesses on its £0 plan.

By the editorial team. How we make money.

Incard suits you if

  • You spend thousands a month on cards, especially on advertising, software or travel
  • You want EUR and USD IBANs alongside GBP
  • You're a UK LLP or sole trader, or a Swiss GmbH, AG or sole trader
  • You're comfortable with safeguarding instead of FSCS cover

cashback a year on Incard's £0 Free plan from £5,000 a month of eligible ads, software and travel spend. Simple arithmetic, not a forecast.

£600

Apply for Incard on incard.co(opens incard.co in a new tab, affiliate link)

We may earn a commission if you apply.

Keeping business money separate from personal money makes bookkeeping and tax easier for a Swiss sole proprietorship. The accounts below accept Swiss sole traders.

Incard accepts Swiss sole-trader businesses alongside GmbHs and AGs, with cashback on eligible card spend and GBP, EUR and USD IBANs.

The accounts

Table notes: correct as of 8 November 2026, from each provider's own pages. Incard is first as our pick for card spend (we may earn a commission from it); the rest are alphabetical, not ranked.
AccountCheapest planCard cashbackType and protection
IncardOur pick for card spendFree: £0 a monthFree: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. UncappedE-money · safeguarded, no FSCS
Migros BankCompare with IncardCHF 3 a monthBusiness Card has a turnover bonus programme; rate not listedBank · esisuisse cover
PostFinanceCompare with IncardCHF 5 a monthNot listedBank · esisuisse cover
UBSCompare with IncardFree for the first year, then CHF 20 a quarterNot listedBank · esisuisse cover
ValiantCompare with IncardBusiness Set Basis: freeNot listedBank · esisuisse cover
yapealCompare with IncardFree: CHF 0 a monthOn Grow and Business, depending on transaction volume; rate not listedE-money · safeguarded, no FSCS
ZKBCompare with IncardFree for the first year, then CHF 7 a monthNot listedBank · esisuisse cover

When Incard isn't the answer

Incard isn't the right account if

  • Your business is registered outside the UK and Switzerland. EEA onboarding is paused until an expected restart in 2027
  • You're a charity, cooperative, foundation, trust or public body, or work in one of Incard's restricted industries
IncardOur 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

Work out your cashbackCheck eligibility

Apply for Incard on incard.co(opens incard.co in a new tab, affiliate link)

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

More: all guides, comparisons, how Incard cashback works.

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.

Show all 43 sources