Swiss fiduciary software — comparison

Run client mandates, prepare closings, work together.

Swiss specifics

What is different in Switzerland

Fiduciary software

The Swiss market imposes requirements that an international solution usually lacks — it is built for other legal systems. Buy from abroad and you notice at the year-end close, in the VAT filing or with the first payroll declaration. These are the points that decide in this category:

This category lists only vendors with a Swiss legal entity. Foreign solutions are not excluded — none of those that matter here names a franc price.

Multi-client capabilityA fiduciary runs many sets of books separately but in one interface: rights per client, switching without a fresh login, reporting across all of them. Without it every client becomes its own installation.
Year-end closing modulesA year-end close needs more than a balance sheet: accruals, fixed-asset accounting, account reconciliation and an auditable report. Without them the work moves back into Excel.
Swissdec ELMPayroll declarations to the old-age insurance, the accident insurer, tax authorities and insurers run electronically through the Swissdec standard. Without certification, «payroll» often means no more than a payroll list.
Client data in SwitzerlandA fiduciary handles data that is not its own: the payroll, turnover and accounting records of its clients. Anyone carrying out audit mandates is additionally bound by confidentiality under Art. 730b para. 2 CO and professional secrecy under Art. 321 SCC. Data residency is therefore a question you must answer to every client — and one that belongs in the data processing agreement, not merely on the vendor’s website.
Ten-year retentionThe Swiss Code of Obligations requires ten years of audit-proof retention – including readability. Clarify what happens to your data after you cancel.
Export and exitBefore signing up, check what an export looks like (entries, documents, master data). A solution without a usable export is a one-way street.

Criterion	Cloud all-rounder for small firmsDetails	Cheap, offline, association standardDetails	Bookkeeping fully outsourcedDetails	ERP heavyweight, strongest payrollDetails	Affordable, strong payroll moduleDetails	Proven classic, installed locallyDetails	Automated, through your accountantDetails	Lean cloud bookkeeping, open APIDetails	Ledger with securities and payrollDetails	Accounting depth for professionalsDetails
Cost & onboarding
List priceas stated by the vendorbars: 0 to CHF 290	CHF 35–119	free–CHF 15	CHF 0–290	via partner only	in calculator only	via partner only	via partner only	in calculator only	on request	via partner only
Pricing model	Subscription	Subscription or licence	Service	via partner	Subscription or licence	Subscription or licence	via partner	Subscription	Subscription or licence	via partner
Getting started	self-service	self-service	self-service	partner/project needed	self-service	partner/project needed	partner/project needed	self-service	partner/project needed	partner/project needed
Deployment	Cloud	Desktop/Server + Cloud	Cloud	Cloud + Desktop/Server	Desktop/Server + hosted	Desktop/Server + hosted	Cloud	Cloud	Cloud + Desktop/Server	Desktop/Server + hosted
Payroll, VAT & law
Payroll (Swissdec)	✓	~ limited	✓	✓	✓	✓	✓	~ limited	✓	✓
Swiss VAT filing	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Multiple currencies	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Data location	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland
Scope & extensions
Open API	✓	–	✓	✓	✓	✓	✓	✓	✓	✓
Collaboration & vendor
Adoption among accountants	high	medium	high	high	high	high	high	medium	high	high
Languages	DE · FR · IT · EN	DE · FR · IT · EN	DE · FR · EN	DE · FR · IT · EN	DE · FR · IT	DE · FR · IT	DE · FR · EN	DE · FR · IT · EN	DE	DE · FR · EN
Vendor	bexio AG (Mobiliar Group)	Banana.ch SA	Run my Accounts AG	Abacus Research AG	Epsitec SA	Infoniqa Schweiz AG (formerly Sage Switzerland)	Accounto AG	CashCtrl GmbH	pebe AG	Topal Solutions AG
Headquarters	Rapperswil-Jona SG	Lugano TI	Stäfa ZH	Wittenbach SG	Yverdon-les-Bains VD	Root LU	Zürich	Switzerland	Frauenfeld TG	Nidau BE
Fit by profile
Working with an accountant
Sole proprietor / freelance
Small business 2–9
SME 10–49
Vendor website	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗