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Contracting in Switzerland

Here’s everything you need to know about contracting in Switzerland.

Our Solutions


Employer of Record

Local Partners

In each country, we work with leading local accounting and taxation experts to ensure that we and those who depend on us stay entirely within the law.

100% Compliant

We have the necessary licences, proven experience and demonstrable track record to provide you with all the national and international payroll, contract management, tax and immigration services that you need.

Global Presence

We have offices in Switzerland (Head Office), the United Kingdom, Germany, Luxembourg, Cyprus, China, India, Malaysia and the UAE.

Cost Efficient

We listen carefully to you, understand your personal requirements and needs, and then we collaborate with you to provide our services at reasonable prices.

About Us

Access Financial is the leading global provider of contract management, outsourced payroll and umbrella services. With a SECO license, we have the authorisation to carry out labour leasing activities in Switzerland and able to help corporations, recruitment agencies and contractors to take full advantage of the potential and flexibility of the Swiss market.


Please check out our FAQs below. Don’t see an answer to your question? Feel free to contact us

Switzerland has strict and complex labour-leasing and employment laws, tightly regulated both federally (by the State Secretariat for Economic Affairs (SECO) and by the cantons.

Regardless of the contractor’s nationality, non-Swiss recruitment agencies cannot legally recruit for a Swiss client without holding a labour leasing license.

The penalties for illegally employing foreign workers include fines up to CHF 100,000 and up to three years of detention.

Access Financial Sàrl is a registered swiss labour leasing company with more than 18 years of experience in the Swiss labour market. We offer a complete, comprehensive and compliant Swiss Labour Leasing Payroll, Work Permit and Management solution if you are a recruitment business, contractor or corporate.

If you are planning on making temporary or permanent placements in Switzerland, contact us, and we would be delighted to help you with your contracting matters in Switzerland and elsewhere.

A PEO or EOR enables organisations to employ staff lawfully in a country with no local entity.
As a global professional employer organisation (PEO) service provider, we enter into a joint-employment relationship with an employer by leasing employees to the employer. This arrangement allows us to share and manage many employee-related responsibilities and liabilities, such as onboarding, payroll and taxes, legal administration, employee health and retirement benefits and many more issues. At the same time, the client has day-to-day control of the employee.
Setting up a local company or branch is time-consuming and costly. PEO is the fast, safe route to mobilising a workforce fast and leave the administration to us whose business it is.

Why choose us as your PEO service provider?

  • We have eight offices and thirty group companies worldwide and work in league with local employment law specialists, tax advisers, immigration and payroll specialists and HR firms.
  • Onboarding in as little as 48 hours.
  • We make the salary payments and invoicing on time every time.
  • We ensure total tax and employment compliance.
  • We help expand your business quickly, compliantly, and cost-effectively.
  • Open to EU/EEA nationals and non-EU nationals with work permit.
  • Access Financial Sàrl employs the contractors and takes care of all the contracting formalities, onboarding, payroll and compliance.

Contractors living or working in Switzerland must by law take out Swiss health insurance within three months of arrival. Failure to do so will lead to the canton taking out cover and sending the bill to the contractor.

At Access Financial, we partner with trusted insurance providers that can help you get the proper coverage.

If you would like to discover your tax and net retention in Switzerland, you can easily use our free online income calculator.

Our Services

Our services are aimed at customer satisfaction, always ensuring the best value for money, compliance and maximum take-home pay possible in Switzerland.



Work Permits &
Immigration Assistance

Employer of Record

Tax & Legal


We’re proud of what we do, but you shouldn’t just take our word for it. Here’s what our clients are saying about us.

Ahmed MohammediContractor

“After several years of collaboration with you, I regret to announce my departure from AF. It has been a real pleasure to have made this part of road with you, and I wish you full success with other collaborators. I regret my departure from your company, but the rules decided otherwise. If there is anything to remember about AF, it is the clarity, the honesty and the discretion. Thank you for all the good years spent with you and all the services you have given me.”

Cesare PittarelloContractor

“I’ve been using Access Financial services for more that one year and so far I’m fully satisfied with my choice. The company is providing prompt and valid support to all my needs as contractor and I recommend it.”

Roy HarrisHaricom Limited

“I want to take this opportunity to thank you for the good experience I’ve had the last 3 years working with AFS. I feel a sense of trust in AFS and for me that is what is most important in any business relationship.”


“I would like to thank Access Financial Team for all your help on my urgent matter. A special mention to Louise and her commitment to help me promptly and in any possible way, even by disturbing some of her annual leave. You’re very lucky to have such people within your team!”

Luke WilliamsSweden

“I want to thank Access Financial for your assistance with immigration without which my assignment would not have been possible. My special thanks to Team Europe, their service was very professional. They were always quick to respond, provide me with answers and solutions.”


“It was always a pleasure to work with AF. Before when I worked in Belgium and now in Germany, the service was always very pleasant. So yes, in the case I will need any umbrella company, I will surely contact only you.”

Mr. P. BorkarIreland

“It’s been a wonderful experience working with Access Financial”

Mr. B. DeanGermany

“When it comes to outsourcing payroll services Access Financial is my #1 go-to company. Thank you for your great support.”

Mr. G. BretonUK

“What I love about Access Financial is their commitment to speed, professionalism and constant support.”

Mr. P. TredwellLuxembourg

“If you are looking for someone to help you with contracting in EU, Access Financial would be an excellent choice.”


“I will let people know in my network with the services you provide. I like the transparency you work with.”

Our Partners

Each partnership is unique. We focus on creating long-lasting relationships with our partners.

Swiss Income & Tax Calculator 2023

Calculate your take-home pay in Switzerland using our online income calculator below.

    The tax that you pay in Switzerland depends on the number of dependents that you have.
    Some examples of professional services include - Legal services, Accounting and bookkeeping, IT etc. Some examples of manual services include - Construction services, Electrical set up and rewiring etc.
    Please specify the starting month
    Which income tax year are you thinking about?
    What is your pay unit? Hour, day or month?
    This is the all-inclusive rate that you have agreed with your recruiter or client to pay you.
    Mandatory Pension Only - I am interested only in paying the mandatory level of pension contributions to reduce my immediate outgoings. We call this LPP1 (Occupational Pension Fund).
    I am interested I increasing my overall retention by contributing above the minimum level although this will not reduce your immediate outgoings. We call this LPP2a.
    Swiss nationals and C-permit holders are not taxed at source by their employer but pay their taxes directly to the government. All others working in Switzerland are taxed at source.
    Members of established churches and other religious organisations pay Church Tax which supports these institutions. Non-members do not.
    In Switzerland, the taxes depend on where you live rather than where you work. To assess your tax, it is necessary to know the canton where yo plan to live.
    The taxes you pay vary if you are single, married, widowed or divorced. Please indicate your marital status.
    By clicking Calculate, you agree to our Terms & Conditions and Privacy Policy

    Disclaimer: The calculation is an illustration based on various assumptions and is meant to provide an indication of what you may take home as net pay. For a more detailed projection please contact our customer support by clicking on the “TALK TO AN EXPERT” button above.

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