A Capital Payment Account (also known as Kapitaleinzahlungskonto) is a special purpose account for Swiss company formation. It allows founders to deposit the required share capital before the business entity is registered with the Swiss Commercial Registry. UR provides this service through SR Saphirstein AG.
This account is only applicable for company formation in Switzerland. If your company is already incorporated and you need an operational bank account, you can open a Corporate Account with us.
Eligibility
If you plan to open a UR Capital Payment Account in order to establish a business entity, your entity must fulfill all of the following criteria:
- Legal form as joint-stock company (AG), limited liability company (GmbH), or Foundation
- Controlling person(s) and shareholder(s) not sanctioned or PEP or U.S. Persons
- Domicile in Switzerland
Registration Steps
Step 1: Contact Us
Email corporate@ur.app with any preliminary questions about your eligibility or the application process.
Step 2: Pay the Application Fee
Note: Payment of the application fee does not guarantee that an account can be opened. The fee is non-refundable if the application is unsuccessful.
The fixed application fee to review your application for a Capital Payment Account is CHF 1,000.
Payment Instructions:
- Recipient: SR Saphirstein AG
- Address: Bellerivestrasse 245, 8008 Zurich, Switzerland
- IBAN: CH91 8305 1000 0000 0000 0
- Bank: SR Saphirstein AG
- BIC: SAHHCHZ2
- Payment Purpose / Memo: Capital Payment Application - Your entity name
Step 3: Contact Us After Paying the Application Fee
Note: Only emails with the payment confirmation attached will be considered.
Please email corporate@ur.app with:
- Email Subject: Application for Capital Payment Account - [Your entity name]
- Attachment: Payment confirmation of the application fee
Step 4: Receive the Capital Payment Instructions
If your application is successful, your Capital Payment Account will be opened within 3 to 5 business days.
You will receive the payment instructions in PDF format by email.
Step 5: Beneficial Owners Pay the Capital
Beneficial owners can transfer the capital into the account using the payment reference provided in the payment instructions.
- Only CHF and EUR payments are accepted.
Step 6: Receive the Pay-In Certificate
Once all capital has been received, SR Saphirstein AG will issue a printed pay-in certificate and mail it to you.
This certificate can be used with Swiss cantonal Commercial Registries to register your business entity.
Step 7: Transfer the Funds Out
After the entity has been established, you may choose one of the following options:
-
Open a Corporate Account with UR (Recommended)
The paid capital will be transferred directly to your new Corporate Account, allowing you to begin operations immediately without an additional bank transfer. The Corporate Account application is subject to its own eligibility requirements and approval process. -
Transfer the Capital to Another Bank Account
You may instruct us to transfer the capital to your business entity's account held with another bank. To receive CHF funds, the destination account must be a Swiss bank account and the IBAN must begin with CH.
For your security: UR will only contact you from official @ur.app email addresses or through in-app notifications. We will never ask for your password, private keys, or any sensitive credentials via email. If you receive a suspicious message claiming to be from UR, please do not respond and contact our support team immediately.