# SuisseBase: Business account

> A Swiss platform combining fiat and crypto for businesses: named payment details or virtual IBANs in USD, EUR and GBP through regulated partner institutions, SEPA and SWIFT payments, and conversion to and from stablecoins. SuisseBase is not a bank, names no partner and publishes no prices.

Finzil profile: https://finzil.com/providers/suissebase · Provider website: https://suissebase.ch · Facts checked: 2026-10-20

## Key facts

- **Monthly fee:** Not published (fees given before use)
- **Currencies:** 3 (USD, EUR, GBP)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Fiat and crypto platform; accounts through unnamed partner institutions
- **IBAN:** Named details or virtual IBANs in the client's name
- **Payment rails:** SEPA, SWIFT
- **Safeguarding:** No deposit protection
- **Headquarters:** Switzerland
- **Currency codes:** USD, EUR, GBP
- **Trustpilot:** 2.4 from 11 reviews (checked 2026-10-20)

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Not published
- **Countries of incorporation accepted:** Not published
- **Countries of incorporation refused:** North Korea, Iran, Myanmar (Burma), Syria, Cuba, Russia, Belarus
- **Owner residency accepted:** Not published
- **Owner residency refused:** North Korea, Iran, Myanmar (Burma), Syria, Cuba, Russia, Belarus
- **Owner nationality refused:** Not published
- **Company types accepted:** Registered businesses (legal business name and country required)

## Industries

- **Industries served:** Crypto, Professional services, Financial institutions
- **Prohibited industries (provider's own list):** Not published

## Licences

- Operated by: Innovative Concepts AG; accounts provided by regulated partner institutions it does not name

Safeguarding: SuisseBase (Innovative Concepts AG) is not a bank and says no deposit insurance applies to it. It is affiliated with ARIF, a Swiss anti-money-laundering self-regulatory organisation (membership 3284), which is not a FINMA licence. Fiat payment details come from regulated partner institutions that it does not name.

## Fees

Source: https://suissebase.ch/terms-of-use (checked 2026-10-20)

### Plans

- **Business account:** Custom pricing

### Currency exchange (FX)

- FX markup: Not published

## Opening an account

Opening an account typically takes three to five business days.

1. **Sign up.** Start the SuisseBase signup and choose Business Account.
2. **Business details.** Give the legal business name and country.
3. **Checks.** Complete KYB, KYC, source-of-funds and sanctions screening.
4. **Account live.** If a partner institution approves, you receive the account and payment details.

Documents: Not published

## Pros and cons

- Pro: USD, EUR and GBP payment details in the company's name
- Pro: Fiat and stablecoin (USDT, USDC) in one account
- Pro: SEPA and SWIFT payments
- Pro: For businesses combining traditional and crypto payments
- Pro: Swiss company with an AML self-regulatory membership
- Con: No FINMA or bank licence; partner institutions not named
- Con: No prices published
- Con: No deposit protection
- Con: Trustpilot score of 2.4 from 11 reviews
- Con: Refuses North Korea, Iran, Myanmar, Syria, Cuba, Russia, Belarus and occupied Ukrainian regions

## Finzil's take (opinion)

SuisseBase mixes fiat payment details and stablecoins for businesses that work in both, but it holds no financial licence, names none of the partners that actually provide the accounts and publishes no prices. Ask which institution will hold your money before applying, and compare it with BVNK.

## Alternatives

- [BVNK](https://finzil.com/providers/bvnk): E-money institution · UK
- [Fiat Republic](https://finzil.com/providers/fiat-republic): E-money institution · UK
- [Bivial](https://finzil.com/providers/bivial): Fintech licence · Switzerland
- [AMINA Bank](https://finzil.com/providers/amina-bank): Bank · Switzerland

## FAQ

**Is SuisseBase a bank?**

No. Innovative Concepts AG, trading as SuisseBase, is not a bank and holds no FINMA licence. It is affiliated with ARIF, a Swiss AML self-regulatory organisation (3284). Fiat accounts come from regulated partner institutions it does not name, and no deposit insurance applies.

**How much does SuisseBase cost?**

No prices are published; its terms say the applicable fees are given before a service is used.

**Which currencies are supported?**

USD, EUR and GBP, plus BTC, ETH, USDT and USDC.

**Which countries are refused?**

North Korea, Iran, Myanmar, Syria, Cuba, Russia, Belarus and the occupied regions of Ukraine (Crimea, Sevastopol, Donetsk, Luhansk, Kherson and Zaporizhzhia).

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