Earny SA
Rue de Lausanne 35a
1110 Morges
Suisse
Rue de Lausanne 35a
1110 Morges
Suisse

© 2023 Earny AG - Designed and hosted in Switzerland
Yes you can. There are a few simple steps you can follow to do this.
The four types of legal forms most frequently used for setting up a business in Switzerland. They include:
Many startups typically choose to incorporate an AG. The reason being is that it allows them to take on investment and create a favorable share structure for investors.
If you incorporate a GmBH as a startup and you plan to take on investment, you will need to convert your GmBH into an AG. This is a costly exercise as it requires legal work and an investment from original founders to true up their initial capital.
Decide on how you want to split equity among your founders when incorporating a Swiss startup. Keep in mind that this equity split will also require you to put in the equivalent amount of capital. For example, if there are 2 founders and you want to split the equity evenly each owning 50% of the startup. You will need to put in 50% of the minimum capital requirement.
Meaning if the founders wish to incorporate an AG which requires a minimum of CHF 50,000 in cash. The founders will need to each deposit CHF 25,000 in cash into the company which is the equivalent of their ownership stake.
For GmBH and AG incorporation, you will need to work with a bank and open what is known as a “Capital Account”. This account allows you the opportunity to deposit the minimum capital requirement needed to incorporate a GmBH (CHF 20,000) and AG (CHF 100,000 (50K in cash, 50K in kind).
Once you open this account and deposit the funds, the bank will issue you a certificate which you can then use to incorporate the company with the commercial register.
Preparing the documents for the commercial register and also finding a notary can be cumbersome. The best option is to find a good lawyer who can help incorporate at an affordable cost. We recommend using Lexr especially if you are in the tech sector. The lawyers will help prepare the necessary paperwork you need to file to the authorities in Switzerland.
Also, as a startup, you will need a great lawyer moving forward when you choose to fundraise or activate an employee stock option plan. Just be sure to pick the right one early on.
When the documents have been prepared, a notary will need to validate your identity and signature. The founders will need to sign the documents and the signatures do need to be wet signatures meaning no Docusigns.
The notary can validate this via a zoom call. They will simply request copies of your passports or identify documents. The founders will join the zoom call and show their passports and their faces via camera to allow the notary to notarize the signatures.
This can also be done in person if you prefer.
Your company will eventually be listed in the commercial registry confirming its incorporation. You can check this at the government central business name index - https://www.zefix.ch/en/search/shab/welcome.
Yes you will need to take out the necessary insurances and register your company and employees with the local cantonal fund.
If you have an AG or GmBH and your employees work less than 8 hours a week, you will only have to subscribe to the Federal Law on Occupational Accidents (UVG/LAA).
If your employees work more than 8 hours per week, you will have to take out accident insurance known as UVG/LAA for occupational and non-occupational accidents.You can do this through the various insurance providers like Axa, Zurich Insurance, Helsana and others. A great digital solution is Helvengo.
As a self-employed person you do not have to take out accident insurance. You are only legally obliged to insure yourself against the consequences of an accident in your private, compulsory healthcare insurance. This covers benefits at the level of medical expenses.
Other insurances that are recommended for your company include:
If salaries exceed the annual amount of CHF 21'150.-, you will be obliged to register your employees with a 2nd pillar pension fund (BVG/LPP).
In addition, if you have employees less than 18 years of age, you do not need to take out a 2nd pillar pension fund (BVG/LPP) for them.
If salaries exceed the annual amount of CHF 21'150.-, you will be obliged to register your employees with a 2nd pillar pension fund (BVG/LPP).
In addition, if you have employees less than 18 years of age, you do not need to take out a 2nd pillar pension fund (BVG/LPP) for them.
The company has to pay at least 50% of the employee's pension and can choose to pay more even up to 100% should they wish.
You will be asked to choose and register as an employer with a compensation fund (AVS/AHV) in the kanton. For example, if your business is based in Zurich, you will need to register your company and employees with SVA Zurich.
If you have multiple branches in different kantons, you will need to register them with a specific fund in the Kanton. For example, you could have a branch in Zurich and a branch in Vaud, you will then need to register your company and employees with a fund in each kanton for example SVA Zürich and Caisse cantonale vaudoise de Compensation AVS.
Please note that some kantons have more than one compensation fund. For example in Geneva you could choose to register with the Office cantonal des assurances sociales de Genève or Fédération des Entreprises Romandes both located in the kanton of Geneva.
This compensation fund covers you for the below insurances and allowances.
When you register with the Kanton, they will provide you with a list of social charges you need to include in your payroll. Some of these charges affect only the company but others can also affect the employee.
You will receive a family compensation contribution which the company must pay to cover family allowances. In the Caisse cantonale vaudoise de Compensation AVS for example, this rate is typically 2.65% and is taken from the salary paid to your employees. To be clear, this is a charge only for the company meaning this will not be deducted from the employee’s payslip.
In addition, there could be deductions which the Kanton will require from the employee depending on the kanton. In Vaud again, employees and employers are required to pay 0.06% of the gross salary to cover what’s known as the Cantonal supplementary benefits for families (PC Familles). In Zurich for example, there is no such charge for the employee.
In addition, the kanton will also provide you with an AHV administration fee. This is the fee they charge you for processing your taxes.
Non Swiss employees will have been assigned a permit. These range from the below.
Should your employees not have a C permit, you will need to register them with the withholding tax office. This is a separate tax office from within the Kantonal government. For example, in Zurich, you will need to register your employees with Quellensteuer | Kanton Zürich.
Please note that you need to register your employees with the kanton they live in and not where the company is based. For example, if your company is based in Zurich but your employees live in Zug, you will need to register with the withholding tax office with the Quellensteuer - Kanton Zug.
The office will provide you with a withholding tax number which is used to identify your company and your employees when you submit your employees withholding tax amounts each month. Because businesses are the ones submitting withholding tax amounts, the withholding tax office lets you deduct a specific percentage when you submit. The withholding tax office will provide you with this percentage upon registering your employees.
For example, they may say that you can deduct 2% from the withholding tax you submitted. This means that if you submit CHF 1,000 in withholding tax that was collected from your employees, you only have to pay CHF 980 and can keep CHF 20 for yourself.
There are plenty of services you can use when incorporating a Swiss company. Services like NewCo and Startups.ch can help you incorporate quickly and manage all the administrative details.