Swiss lump-sum taxation is the regime that lets a wealthy foreigner move to Switzerland and be taxed on their living expenses instead of their global income and wealth. The French call it the forfait fiscal; the Germans, Pauschalbesteuerung; the tax law, spending-based tax. Whatever the name, the appeal is the same. You do not declare […]
When a high-net-worth non-resident asks me where to bank, the choice almost always comes down to two names. Switzerland and Singapore. I work in both. The honest answer surprises people. It is rarely “one or the other.” The Switzerland vs Singapore decision is not a contest with a single winner. It is a question of
Switzerland vs Singapore: Where Should HNWI Non-Residents Bank in 2026? Read More »
Setting up a Swiss fintech or neobank comes down to one question that founders almost always get wrong at the start: which licence do you actually need? Switzerland does not have a single “fintech licence” that covers everything. It has a three-tier ladder — the sandbox, the FinTech licence, and the full banking licence —
How to Set Up a Swiss Fintech or Neobank: The FINMA Licensing Guide for Founders (2026) Read More »
Swiss savings account interest rates in 2026 tell a simple, sobering story: they are close to zero. The Swiss National Bank cut its policy rate to 0.0% in June 2025 and has held it there ever since, so the average Swiss savings account now pays just 0.11% a year. On a CHF 10,000 balance, that
Swiss Savings Account Interest Rates in 2026: The Real Numbers Read More »
I am very often asked the same question by non-resident HNWI clients: how do I choose the best bank in Switzerland? It sounds straightforward. After a decade in the Swiss wealth management industry, I can tell you it is not. The answer most blogs hand you — “compare reputation, fees and stability” — is the
Swiss Bank Selection for Non-Residents: How I Actually Choose Read More »
Looking for the safest Swiss banks? Here is the short answer. The single safest bank by credit rating is Zürcher Kantonalbank, the only Swiss bank that holds a top AAA from all three major agencies. Right behind it sit the other cantonal banks, which carry a guarantee from their canton. The big names you know
The Safest Swiss Banks in 2026: Credit Ratings Ranked Read More »
GmbH vs AG is the first real decision you make when forming a Swiss company. It shapes your capital, your privacy, and how easily you can raise money later. So here is the short version. Choose a GmbH when you want a low capital threshold of CHF 20,000. The trade-off is that your name sits
GmbH vs AG in Switzerland: Which Structure Should You Choose? Read More »
To open a business in Switzerland as a foreigner, you need two things above all else: the right legal structure and a banking partner willing to work with non-residents. Everything else — canton selection, tax optimisation, residency permits — flows from getting those two decisions right. This guide covers what actually matters in 2026, with
Open a Business in Switzerland as a Foreigner: The Complete 2026 Guide Read More »
Opening a Swiss bank account as a foreigner is still possible in 2026 — but the process looks nothing like what most guides describe. I am Asel Mamytova, Managing Director of BMA Business Solutions in Chur, Switzerland, and I have spent over 15 years helping international clients navigate this system. The short answer: Swiss banks
How to Open a Swiss Bank Account as a Foreigner: The Honest 2026 Expert Guide Read More »
Cross-border banking EU operations are being fundamentally restructured by CRD VI — the EU’s Capital Requirements Directive VI (Directive 2024/1619), a regulatory shift that will redefine the future of cross-border banking. From 11 January 2027, no non-EU bank can actively provide core banking services to clients domiciled inside the European Union without operating through an
