Set up a Fintech Company in Switzerland

A fintech company in Switzerland operates at the intersection of finance and technology, offering services such as digital banking, cryptocurrency trading, e-payments, and blockchain-based investments. In recent years, Switzerland has positioned itself as one of the most advanced and friendly jurisdictions for fintech businesses, thanks to a solid legal framework, access to innovation, and a dedicated licensing regime — the Swiss fintech license. Before launching a fintech venture, entrepreneurs must navigate the Company Registration process to establish a legal entity in Switzerland.

Entrepreneurs who are considering opening a fintech company in Switzerland can benefit from the clear regulatory procedures and business support provided by local professionals. Below, we outline the essentials of starting a fintech company in Switzerland in 2025.

To operate legally as a fintech company in Switzerland, a business must first be registered with the Swiss Commercial Register. In most cases, entrepreneurs choose the joint stock company (AG) due to its credibility and structure, although the limited liability company (GmbH) is also accepted. Fintech businesses managing client funds may consider integrating Escrow Services to ensure secure financial transactions and build customer trust.

A fintech license allows companies to engage in:

For firms specializing in asset management, the role of Portfolio Managers is particularly significant in overseeing digital assets and investment funds. However, it's important to note that not all financial activities require a fintech license. For instance, businesses that accept less than CHF 3,000 per client for purchasing goods or services are exempt from licensing obligations.

While the fintech license grants considerable flexibility, it comes with important legal obligations. Here are the main requirements in 2025:

Some types of fintech activities may still be exempt from licensing depending on structure and turnover. Companies should evaluate their business models carefully before applying.

Currently, there are 5 authorized fintech license holders in Switzerland. The processing time for approval is approximately 6 months, during which the company must submit detailed documentation and demonstrate compliance readiness.

The Swiss Financial Market Supervisory Authority (FINMA) is responsible for issuing fintech licenses. A standard application must include:

• An executive summary outlining the business model
• Detailed operational plan including structure, customer locations, and regions served
• A current extract from the Swiss Commercial Register
• Proof of physical office space in Switzerland
• Employee data, roles, and qualifications

Importantly, foreign investors and businesses are allowed to apply for this license, as long as they establish a Swiss company and maintain an official presence in the country.
Local advisors can help prepare the documents and ensure full compliance with FINMA's expectations.

Although Switzerland is considered a general hub for fintech and blockchain technology, certain cantons and cities are particularly favorable:

Each Swiss canton has its own taxation rules, and the support for startups may vary depending on local authorities. Therefore, company founders should consider not just the regulatory aspect but also tax optimization and access to skilled professionals. Optimizing the Tax System can be crucial for fintech startups, especially when structuring financial transactions involving digital assets.

Switzerland has earned a reputation as a leader in technological and financial innovation. It consistently ranks high in global innovation indexes and offers:

• A stable political and economic environment
• Strong IP protection laws
• Highly developed infrastructure
• A robust academic base with top universities focused on IT and finance

Swiss fintech companies can also rely on a highly skilled multilingual workforce, supported by business-friendly migration policies and startup incubators.

Foreign investors and entrepreneurs interested in opening a Swiss fintech company are encouraged to contact a local company formation consultant. These professionals can assist with incorporation, licensing, accounting, and ongoing legal compliance.

Whether your focus is on blockchain, payment processing, digital assets, or financial software, Switzerland offers a dynamic and secure environment for growth and innovation.