Best business credit card in Switzerland 2026

Best business card in Switzerland: summary

Whether you have a GmbH or an AG in Switzerland, choosing the right business card can save you several hundred (or even thousands!) of francs per year on foreign currency payments and international money transfers.

Here are my top 3 cards for a business in Switzerland:

🥇 Wise Business: free account, interbank rate +0.23%
🥈 Revolut Business: account starting at CHF 10/month, interbank rate with no markup on weekdays and up to CHF 1'250/month
🥉 Migros Bank: CHF 3/month, convenient but expensive for foreign currency payments

Quick verdict: for any Swiss business owner paying in foreign currencies, Wise Business offers the best currency conversion rates today.

If you only spend during the week AND less than CHF 1'250/month => Revolut Business has the best exchange rate BUT you have to pay CHF 10/month for this business account. So not optimal in the end.

If you spend more than CHF 1'250/month or want to pay anytime (including weekends and holidays) => Wise Business.

If you absolutely want a traditional bank (expect a 1-4% surcharge on every payment) => Migros Bank.

My mistake with my Certo! One card

You won’t believe what happened to me. Especially to someone who claims to be a model of frugality.

Picture this… with the GmbH I set up for the blog, I get a notification for a payment of 1'690 USD (= CHF 1'391.66) from my Cembra app for my Certo! One card. So I casually open Google to check the interbank rate… 1'690 USD in CHF = CHF 1'332.16

Excuse me?! CHF 59.50 difference!!!

Screenshot of the Cembra app showing a payment of 1,690 USD with 4.4% FX fees on the Certo! One card...

We’re talking about a 4.4% markup on the interbank exchange rate here!

“This time I need to act. Right now!” I told myself at that moment. “No more procrastinating on credit card FX fees for my foreign currency expenses!”

Why FX fees can cost you a lot of money

Yes, I know. Me, MP, the guy who’s been telling you for years that small percentages add up and make a huge difference over time. The same guy who wrote entire articles about hidden bank fees. I got burned for months by 4.4% in FX fees.

Not my proudest moment.

But that’s exactly the point: these fees fly under the radar. You see an amount in CHF on your statement, you pay it, you move on. Nobody checks every transaction against the interbank rate (well, I do from time to time, but the amounts were so small each time I checked… excuses!).

Imagine you spend CHF 25'000/year in foreign currencies with your GmbH. By switching from 4.4% in fees (Certo! One) to the Wise exchange rate at just 0.23% above interbank, you save 4.17% per year, or CHF 1'043. Over 10 years, investing those savings at a 7% annual return, here’s what you get:

CHF 15'420. Just by switching cards. That’s the price of a fancy used car!

Now that's a luxurious Mustachian frugal car: a Toyota Prius looking brand new! (photo credit: Schossacher Garage)

Embarrassing, really… If I had followed my own advice from the start, I’d already have a few thousand francs more in my account. Next time you read one of my posts, remind me to follow what I write ;)

Comparison of the best business cards in Switzerland

Finding the best debit (or credit) card for paying in foreign currencies is one thing. But finding the best card available for a business is another!

Here’s the short list of companies offering cost-effective payment solutions:

Verdict: I went with the Wise Business account and its debit card, optimal for FX fees on foreign currency payments.

Why I chose the Wise Business card for my GmbH

A few years ago, I set up a GmbH for all the blog-related activities. It allowed me to cleanly separate our finances and optimize our taxes.

I opened a business bank account at the cheapest Swiss bank I could find: Migros Bank at CHF 3/month. I’ll write a detailed comparison article later.

My Migros Bank business account came with a standard debit card.

But to make my expense tracking easier, I wanted to pay by credit card so I’d only have to enter a single transaction per month in my bookkeeping (= the credit card bill I pay from my business account).

So I decided to use my Certo! One credit card for this purpose.

I knew the Certo! One had 1.5% in FX fees. But I was only going to pay for a few services, once a year, so I figured I’d optimize that later. When you’re setting up a company, there are a lot of things to deal with, and this wasn’t my priority at the time.

Once, I noticed on a 20 USD transaction that the CHF amount seemed a bit high… but same story, other more urgent matters to deal with.

Until late December 2025, when I said to myself:

Excuse me?! CHF 60 difference! You’re telling me a nice dinner with Mrs. MP is going up in credit card fees?! No way!

So I chose a Wise Business account to minimize the fees on my foreign currency payments and money transfers.

It worked out well that Wise is still one of the best solutions to convert currencies, since I already had a Wise Business account to receive money in euros and US dollars.

Just like when I started using my new best bank back then, or when I found the best pillar 3a: I now grin every time I make a foreign currency payment with my Wise Business card 😃

It feels good to apply a healthy dose of frugality again!

How to use a debit card like a credit card for my business

With my Certo! One credit card, I had a monthly limit of CHF 10'000. I’d spend throughout the month, and at the end I’d pay the full balance to never pay any interest. Simple.

With Wise Business, it’s a debit card. So no credit limit, since you can only spend what’s in the account.

My solution? I do the exact opposite:

1. I deposited CHF 3'000 when I opened the account (my monthly expenses rarely exceed this amount)
2. I spend from my various balances during the month
3. On the 1st of the following month, I calculate “CHF 3'000 - remaining balance” and transfer the difference

Wise Business app with multi-currency balances and debit card

Result: I start each month with CHF 3'000. For bookkeeping, it’s exactly like before: one single monthly transaction to record (that is: what I transfer from my Migros account to Wise, not every individual Wise transaction).

The only difference? The money leaves my business account at the beginning of the cycle instead of the end. But since those CHF 3'000 remain mine on the Wise account, it doesn’t change my actual cash flow.

FAQ: business account and card in Switzerland

Is Revolut Business available in Switzerland?

Yes, the Revolut Business account for companies is available in Switzerland. I tried opening one a few years ago, and the support was really not great.

If you’ve had a more positive experience with Revolut Business, let me know in the comments and I’ll update this section.

Is Wise Business a bank?

No. Wise is a payment institution, not a bank. In practice, this means your money at Wise is not covered by the standard Swiss deposit guarantee (CHF 100'000).

However, Wise is required to keep your money separate from its own funds, in regulated financial institutions. If Wise were to go bankrupt, your money remains yours.

For a business account where you keep a few thousand francs in transit, the risk is negligible. That said, for my main cash reserves, I stick with a traditional bank (Migros Bank) to sleep soundly at night.

Wise vs Revolut: which one to choose for my business in Switzerland?

Wise Business vs Revolut Business comparison for companies in Switzerland

* Revolut: CHF 10 + 0.6% on the amount above CHF 1'250

Bottom line: in every scenario I simulated, Wise Business is consistently cheaper than Revolut Business, regardless of your foreign currency spending volume (because Revolut Business costs CHF 10/month, unlike the personal Revolut account). And that’s without any weekend surcharge.

Does Revolut Business use the same exchange rate as personal Revolut?

No. This is an important difference to know about.

Personal Revolut: since 2023, Revolut applies a “Revolut rate” that includes a markup of about 0.4% on the interbank rate, even during market hours.

Revolut Business: uses the real interbank rate with no markup (within your plan limits and excluding weekends).

If you already have a personal Revolut account and think Revolut Business works the same way, be careful: the terms are different. The Business account is more favorable on the exchange rate, but costs CHF 10/month minimum.

What if I spend less than CHF 500/month in foreign currencies?

* Migros Bank: CHF 3/month + ~1.5% markup + CHF 1.50/transaction

Bottom line: for small volumes too, Wise Business is unbeatable. You pay a few cents per month, versus CHF 10 minimum at Revolut or several francs at Migros.

Debit card or credit card for a GmbH (or AG)?

Both work. The real question is: where do you want to optimize?

Credit card: you pay at the end of the month, you keep your cash flow longer. But FX fees are often high (1.5-4%).

Wise Business debit card: you fund the account upfront, but you save on every foreign currency transaction. If you make a lot of payments in EUR or USD, the Wise debit card will save you far more than the cash flow advantage of a credit card.

Do I need to manually convert my CHF before paying with Wise?

No, the currency conversion cost is the same. Whether you convert yourself in advance or let Wise do it automatically at the time of payment, you pay 0.23% in FX fees.

The only reason to convert manually: to take advantage of a particularly favorable exchange rate at a given moment. Otherwise, let Wise’s “Smart Conversion” feature handle it.

How do I switch credit cards for my business?

Two steps:

1. List all your merchants: open your last three credit card statements and note every entity that charges you on a recurring basis (SaaS subscriptions, tools like ChatGPT, etc.) or where you made one-time purchases
2. Update your info: go to each merchant and replace your old card with your new Wise Business debit card

Can I use Wise Business to receive payments in euros or dollars?

Yes. Wise gives you local bank details in multiple currencies:

• EUR: Belgian IBAN (as if you had an account in Belgium)
• USD: American account number and routing number
• GBP: British sort code and account number

Your clients pay as if they were sending money locally, with no international wire fees. That’s actually why I opened my Wise Business account in the first place, before even using it for payments.

Conclusion: Wise Business as the best multi-currency card for my GmbH in Switzerland

After getting fleeced for months with 4.4% in hidden fees on my Certo! One card, I finally followed my own advice. The Wise Business account is free, Wise payments cost just 0.23% in FX fees, and I can pay on a Sunday evening without thinking twice. In every scenario I calculated, Wise is cheaper than Revolut Business and Migros Bank. The choice is clear.

If you run a GmbH or an AG in Switzerland and regularly pay in euros or dollars (or any other foreign currency), do yourself a favor: open a Wise Business account. The setup takes 15 minutes, and you’ll start saving from your very first transaction.

PS: if you’re also looking for a solution for your personal spending when traveling abroad, I wrote a comparison of the best debit cards for individuals.