The Swiss accounting software that grows with you — from sole proprietorship to GmbH or AG.
Invoices, FTA VAT, AVS, QR-invoices and cash flow in one platform. AI processes your documents, you approve with one click — no Excel, no calling the accountant for every line.
Compatible with major Swiss banks
eBill
Electronic invoicing
SIX / ISO 20022
CH payment standards
Abacus
Data migration
Banana
Data migration
CAMT.053
Bank statement
New integrations added regularly · Need a specific integration? Contact us
Accountex in numbers
Trusted by thousands of Swiss businesses every day
2'400+
Active Swiss businesses
SMEs, freelancers and fiduciaries
CHF 48M
Processed every month
Invoices, expenses and payments
320'000+
QR-invoices generated
PostFinance / SIX compliant
12+ hours
Saved per month
Per user on average
99.9%
Guaranteed uptime
Independently verified SLA
>98%
OCR accuracy
On Swiss invoices
* Aggregated and anonymous data. Updated as of May 2026.
No more Excel, shoeboxes of receipts and surprises from the FTA
Running a sole proprietorship, a GmbH or an AG in Switzerland means complying with CO 957, FTA VAT, AVS installments and QR-invoices. With spreadsheets, every mistake costs you twice — in time and in francs.
Before
The entrepreneur chasing deadlines
Bookkeeping in Excel or a shoebox of receipts: 5–8% error rate, 8–12 minutes per invoice and no audit trail (CO art. 957a)
Personal and business finances mixed: deductions denied in an FTA audit (art. 125 DBG) and bank reconciliation becomes impossible
VAT collected and spent as income: the quarterly FTA assessment arrives with 4% late-payment interest (art. 87 VATA) — liquidity gap guaranteed
Underestimated AVS installments in the first year: shock reassessment of CHF 2'000–8'000 + 5% interest once the compensation fund sees your real income
Paying a fiduciary by the hour to book digital invoices and close the GmbH or AG: CHF 3'000–6'000/year in fees you could avoid
Average cost of accounting mistakes for a sole proprietor, GmbH or AG:
CHF 5'000–15'000/year
Across unreserved VAT, underestimated AVS, denied deductions and hourly fiduciary work
After
The entrepreneur with Accountex
OCR + AI: snap an invoice with your phone, Accountex extracts amount, date, VAT and IBAN and generates the balanced entry in 10 seconds
Business account connected via Open Banking: daily automatic reconciliation and a clean split between private and business finances
Real-time VAT dashboard with the reserve calculated automatically: on the quarterly deadline, the balance is already set aside — no surprises
Income projection + AVS alert when you exceed the fund's estimate: adjust the installment before the reassessment and sleep easy
One-click export of balance sheet, general ledger and VAT ready for your fiduciary: they only handle advice and year-end closing — you pay far less
Real savings with Accountex in the first year:
up to CHF 10'000
In avoided fiduciary fees, recovered deductions and hours back in your craft
Free · No credit card · Works for sole proprietorships, GmbHs and AGs
Marco opened his GmbH six months ago. Monday, VAT deadline on Thursday.
Same company. Same FTA deadline. Two ways of working — and the difference between a day of panic and a morning done by 9am.
Before
Marco without Accountex
A pile of receipts to process
Marco finds a stack of receipts from the past two months on his desk: fuel, meals, materials, hotels. He sorts them by date and types the totals into Excel, one by one.
Untangling personal and business accounts
A transfer from the private account to pay a supplier. An Amazon order half-personal, half-work. Marco opens the bank statement and tries, line by line, to rebuild the GmbH bookkeeping.
VAT guessed, cash flow invisible
He estimates the VAT owed to the FTA by summing invoices by hand. The total is much higher than expected — and the business account isn't enough. He hadn't put aside the 8.1% anywhere.
Fiduciary on holiday, balance sheet stuck
The GmbH must close the annual accounts within 6 months (CO art. 958). Marco emails the fiduciary for a first draft: reply expected in a week. Anxiety grows, FTA deadlines get closer.
Saturday in the office instead of with family
Marco spends Saturday rebuilding two months of accounts. He misses dinner with his family. And he knows next quarter starts from zero again.
End of day
~8h of paperwork · FTA penalty risk · Liquidity unclear · Family sidelined
After
Marco with Accountex
40 receipts scanned in 3 minutes
Marco opens the Accountex app over coffee and photographs the receipts in batch. OCR extracts amounts, dates, VAT and suppliers — and already proposes the matching bookkeeping entry for each one.
Business account connected via Open Banking
Every GmbH account movement flows into Accountex automatically, already reconciled with invoices. Private expenses on the personal account stay out — patrimonial separation preserved.
VAT dashboard always up to date
Marco opens the VAT view: output tax, input tax, net balance and reserve all in real time. He knows exactly how much to pay the FTA on Thursday — and the money is already on a dedicated sub-account.
FTA return generated in 12 minutes
Select the quarter, Accountex produces the VAT return in the official FTA format. Marco signs digitally and submits. The up-to-date general ledger is ready for the fiduciary — who is only needed for the year-end close.
Free afternoon, no overtime
It's 9am on Monday and this week's bookkeeping is done. Marco closes Accountex, opens the CRM and goes back to what he started the GmbH for: his business.
End of morning — 9am
~45 minutes total · VAT filed · Business account clean · Afternoon back to clients
I used to spend weekends rebuilding Excel, reconstructing VAT and hunting for receipts. Now I scan everything from my phone, the AI does the first booking and my fiduciary only works on the year-end close. my fiduciary only works on the year-end close
Marco R.
GmbH owner · former sole proprietor · Lugano, TI
Free · Sole proprietorship, GmbH or AG · Setup in 5 minutes
From invoice to journal entry in less than 10 seconds
No training courses, no complex setup. Three steps and you're up and running.
Snap or upload
Take a photo of the invoice with your smartphone or upload the PDF directly from your computer. Accountex accepts JPEG, PNG and PDF — in batch or one at a time.
AI processes in seconds
Accuracy 99.2%
Balanced entry
Smart OCR extracts all the data: amount, date, supplier, VAT code and IBAN. AI generates a balanced journal entry and proposes it for your approval.
Approve and you're done
Verify the AI-proposed entry with a single click. The document is archived with a hash seal, the accounting is updated and the KPI dashboard refreshes in real time.
100 OCR/month · 3 mandates free · No credit card
Why sole proprietorships, GmbHs and AGs choose Accountex
Not a generic tool. A platform built for those who must comply with CO, VATA and AVS — and want to spend more time on the business and less on paperwork.
OCR + AI: bookkeeping that writes itself
Snap the invoice, Accountex reads amount, date, VAT and supplier, proposes the balanced entry. You check and approve in one click — no Excel, no retyping, no formula errors.
- OCR on receipts, invoices and QR-invoices with >98% accuracy
- Balanced entries generated by AI on the Swiss SME chart of accounts
- iOS and Android mobile apps for real-time scanning
- Open Banking connection: movements and invoices already reconciled
Entry generated
CO, FTA, revFADP: compliant without thinking about it
Swiss SME chart of accounts, ISO 20022 QR-invoices, quarterly FTA VAT return or flat-rate method, 10-year compliant document archive and revFADP data protection. All included, all automatic.
- Immutable audit trail compliant with CO art. 957a
- ISO 20022 QR-invoice generated from the invoice list in one click
- FTA VAT return — effective method or flat-rate (saldo) method
- Document archive sealed with SHA-256 hashes for 10+ years
INVOICE NO. 2026-0089
Accountex SA, Zurich
From sole proprietorship to GmbH or AG without starting over
You start as an independent, open a GmbH or AG, bring in a partner: Accountex adapts. Same software, same archive, same chart of accounts — just more features when you need them. And our team replies in English, Italian, German and French.
- Sole proprietorship → GmbH or AG transition without data migration
- Multi-user with roles: add your fiduciary, partner or accountant as the company grows
- Multi-currency, cost centers and group consolidation for growing GmbHs and AGs
- Human support in EN/IT/DE/FR + escalation to your fiduciary
Chat with support
I just opened a GmbH after 5 years as a sole proprietor (and we'll likely become an AG soon) — how do I move my bookkeeping?
No migration needed: I'll create the new entity in your account, history and archive stay. For the tax side of the conversion I'll put you in touch with your fiduciary.
Hi, I'm Anna from Accountex. Confirmed: we move customers, suppliers and chart of accounts in one click. The tax side is your fiduciary's job — we can suggest a partner if you don't have one.
Why choose Accountex over the rest?
An honest comparison with the most popular Swiss accounting software. No footnotes: just facts.
| Feature | Your choiceAccountexFree · AI · Swiss | Bexiofrom CHF 29/month | BananaLocal app | Abacusfrom CHF 2'000/year |
|---|---|---|---|---|
| Cost | ||||
Free plan available Bexio: from CHF 29/month · Banana: one-time purchase ~CHF 50 · Abacus: CHF 2'000+/year | ~ | |||
Base plan price (monthly) | CHF 0 | CHF 29 | ~CHF 4 | CHF 200+ |
| OCR & AI | ||||
Automatic OCR on invoices Bexio: basic OCR in premium plans · Banana: no native OCR · Abacus: extra paid module | ~ | ~ | ||
AI-generated journal entry Exclusive Accountex feature | ||||
Smartphone scanning | ||||
| Switzerland | ||||
Native QR-invoice (ISO 20022) | ||||
VAT FTA (all rates) | ||||
26 cantons - cantonal taxes Bexio: basic cantonal tax features only | ~ | |||
Multilingual interface IT/DE/FR/EN Bexio: primarily DE and FR, limited IT | ~ | |||
| Features | ||||
Cost centers | ||||
Group consolidation Bexio: not supported · Banana: basic feature | ~ | |||
Multi-mandate fiduciary dashboard Banana: single-company structure | ||||
| Security | ||||
Data hosted in Switzerland Banana: local app, optional non-Swiss cloud | ~ | |||
Hash-certified archive Exclusive Accountex feature for document integrity | ||||
Start now No credit card required | from CHF 29/month | ~CHF 50 one-time | from CHF 2'000/year | |
Data based on publicly available information on the respective vendor websites. Some features may vary depending on the plan chosen. Last updated: April 2026.
Two simple plans for sole proprietorships, GmbHs and AGs
Start free with 15 OCR scans/month or go Full for CHF 259/year with unlimited OCR.
Free
To get started risk-free
Free forever
- 15 OCR document scans / month
- 1 GB archive storage
- 1 user
- Swiss QR-invoices (ISO 20022)
- Swiss SME chart of accounts
- Community support
- Additional collaborators
- Cost centers
No credit card. Free forever.
Full
Unlimited OCR and full SME tooling
Single annual billing — no monthly renewal
- Unlimited OCR document scans
- Unlimited storage
- Unlimited collaborators
- Swiss QR-invoices (ISO 20022)
- Swiss SME chart of accounts
- VAT FTA management (all rates)
- Professional reports (VAT, balance sheet, P&L, cash flow)
- Priority email support
- Cost centers
CHF 259/year, billed annually.
Included in all plans:
Everything you want to know about Accountex
Clear answers on migration, security, Swiss tax and features.
Didn't find your answer?
Our team replies within one business day in English, Italian, German and French.
Your data deserves the highest protection
Servers in Switzerland, military-grade encryption, LPD and GDPR compliance. Accountex is designed to meet the most demanding standards.
2 Active Data Centers
Real-time synchronous replication
100% Swiss hosting
Your data never leaves Switzerland. Redundant servers in certified Tier IV data centers in Zurich and Geneva.
LPD & GDPR compliance
Full compliance with the new Swiss Data Protection Act (nLPD) and the European GDPR.
Complete audit trail
Every action is tracked with an immutable timestamp. Logs ready for accounting audits and tax inspections.
End-to-end encryption
AES-256 at rest, TLS 1.3 in transit. Not even we can access your data without authorization.
Swiss Made
Developed in Switzerland
ISO 27001
Certified security
LPD & GDPR
Full data protection
Native 2FA
Two-factor authentication
Audit Trail
Complete immutable logs
99.9% Uptime
Guaranteed availability
AES-256 + TLS 1.3
End-to-end encryption
Redundant backup
Synchronous replication Zurich/Geneva
What our users say
“Finally a Swiss software that doesn't cost a fortune. OCR saves me 3 hours a week.”
A. Bernasconi
Owner, SME – Ticino
“As a fiduciary I manage 18 clients. The multi-mandate dashboard is exactly what I was looking for.”
M. Huber
Fiduciary – Zurich
“QR-invoices are generated in 30 seconds. My clients pay faster and I close quarters sooner.”
S. Chevalier
Freelancer – Geneva
Accountex is designed and developed in Switzerland by a local team. Your data stays in Switzerland, always.