Overview
Relio, at a glance.
Relio is a swiss fintech licence (not a full bank) headquartered in Switzerland, regulated by FINMA. Pricing is agreed with each client. Opening an account takes 3–5 days. Relio is built for Swiss companies whose owners or directors live abroad.
Relio holds a Swiss fintech licence, not a full banking licence, so deposits are not insured. Client funds are held with correspondent banks and may not be invested.
Why businesses pick Relio
- Built for Swiss companies with foreign owners and directors
- Accepts complex ownership structures and international business
- One fixed monthly fee, whatever the account usage
- A dedicated personal contact
- Capital payment account for a GmbH or AG being formed (CHF 249)
Watch out for
- Prices are set per client and not published
- Card not yet available
- Currencies, payment rails and fees per transfer are not published
- No deposit insurance under the fintech licence
- Online application is for Swiss-registered companies; others must contact Relio
Business fit
Will Relio accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Relio's published rules
Needs review
Relio works with Startups and SMEs, but does not publish the countries it accepts companies from.
Relio does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Relio publishes about the businesses it takes on.
Who Relio serves
- Startups and SMEs
- Freelancers
- Holding companies
- Import and export
Not supported
Industries and countries Relio does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use Relio?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
CHF
Other currencies are held but not listed.
Payment reach
Not published
Who can apply
Company incorporation countries1 countries · show list
- Switzerland
Owner nationality
Not publishedOwner residency
Not publishedCompany types
AG and GmbH, Freelancers, AG and GmbH being formed (capital payment account)
Pricing
What does Relio cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
Not published
Individual monthly fee
Custom
Transaction fees
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Physical card issue | Not offered | Not available |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Start the application online or through the sales team.
- 2
Company and people
Give the company's registration details, directors and owners.
- 3
Checks
Upload the documents requested and complete identity verification.
- 4
Account live
Once approved, the account is opened and you receive its details.
Documents you need
Not published
FAQ
Your questions, answered.
Is Relio a bank?
Relio AG holds a FINMA fintech licence under Article 1b of the Swiss Banking Act, not a full banking licence. Deposits are not insured; client funds are held with correspondent banks.
How much does Relio cost?
Relio charges one fixed monthly fee set for each client, based on its complexity, industry and ownership. The figure is not published. Its capital payment account for company formation costs CHF 249.
Can a Swiss company with foreign owners open a Relio account?
Yes. Relio is aimed at Swiss companies with foreign owners and directors, international activity or complex ownership.
Does Relio offer cards?
Not yet: debit cards are announced as coming soon.
Alternatives
How Relio compares.
If Relio is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 RelioThis pageSwiss fintech licence (not a full bank) |  | SwitzerlandForeign owners |
 YapealFintech licence | | Swiss IBANEmployee cards |
 AmnisPayment institution |  | FX specialistExpense cards |
 Wise BusinessE-money institution |   | Low FX costsStandard businesses |
 Revolut BusinessBank |  | Cards and spend controlsStartups and SMEs |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.