Business account in EUR

Payment transactions without the currency risk

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The business account in EUR is a payment account for companies based in Switzerland that regularly receive or make payments in EUR. With e-finance and the PostFinance App, you can access your finances and conveniently manage your account electronically anywhere and at any time.

Your advantages for payments in EUR

  • Payment transactions in EUR without the currency risk
    Process incomings and expenditure directly in EUR – without automatic conversion into CHF.
  • Predictable costs
    Account management for just CHF 5 per month.
  • Ideal for businesses in the EU area (SEPA)
    Process EUR payments with customers and suppliers in Europe easily and efficiently.
  • Easy to combine with your CHF business account
    CHF for Switzerland, EUR for Europe – clearly separated and clearly managed.
Account management
CHF 5 per month
Additional fee for customers domiciled abroad 
CHF 25 per business account and month

Current interest rates

Interest rates for business customers

Account statements and notifications

You can choose the interval at which you receive your account statement. The costs depend on the notification cycle and on whether you would prefer to receive statements in e-finance or on paper.

Electronic account statement (in e-finance)
Free of charge
Account statement on paper
CHF 3/Document

  • A CHF account is sufficient if you make payments in EUR only occasionally. However, if you regularly issue invoices in EUR, pay suppliers in the eurozone or expect incoming payments in EUR, it’s worth having a separate EUR account. This avoids currency conversions for each transaction, reduces exchange rate risks and simplifies accounting by recognizing transactions separately in different currencies.

  • Transfers within the SEPA area (40 other countries) are generally credited within one banking day of the debit, pro-vided the payment meets the bank’s internal processing deadline.

  • Yes, you can process SEPA Core Direct Debits via your EUR account provided that a valid SEPA Direct Debit Mandate exists between the debtor and the creditor.

  • Yes, you can use the EUR business account to carry out foreign exchange transactions in EUR – both spot transac-tions (buying or selling at the current rate) and forward contracts (hedging at a fixed rate for a future date). To do so, you need to have at least one additional account in a different currency (e.g. in CHF). This allows you to hedge against exchange rate fluctuations in a targeted way.

  • The EUR business account is managed as a separate foreign currency account in EUR. Transactions are entered in EUR, the conversion into CHF is carried out at the daily rate and is shown as a rate difference. Account statements are available electronically in e-finance and can be imported into common accounting solutions.

How to use your EUR business account in everyday life

Payments in the EU, international partners or the separation of CHF and EUR transactions: here you can see some typical usage scenarios – and find out whether an EUR account suits your company.

Who is a business account in EUR suitable for?

  • If you have customers in the EU and receive payments directly in EUR – without exchange rate losses.
  • If you want to pay suppliers in Europe and process EUR transfers easily and efficiently.
  • If you want to clearly separate your CHF and EUR business and gain a better overview of accounting and li-quidity.

How to use your EUR account in day-to-day business

SEPA transfers directly in EUR

  • Process EUR transfers consistently and efficiently within Europe, without currency conversion
  • SEPA payments by IBAN – usually within one working day

Present a professional image to international partners

  • Issue invoices in EUR and receive payments directly in EUR
  • No conversions, no misunderstandings

Seamlessly integrated into existing processes

  • Manage EUR payments as usual via e-finance
  • Easy to combine with CHF accounts and accounting
I use PostFinance for our national customers and our international suppliers.
Roberto Cazzato, founder of “Die Veredler GmbH”

Become a customer now

Are you not yet a business customer? Arrange an appointment online now and open your business account in euros.

You have an e-finance login

Do you already use the e-finance login for a business account? Log in to open another business account in just a few minutes.

You do not have an e-finance login

Are you already a business customer? Give us a call. Our staff will open your business account in euros for you.

+41 58 448 14 24
Monday
to Friday: 8 a.m. to 8 p.m. 
Saturday: 8 a.m. to 5 p.m

Get more from your business account in EUR