Contracting in Switzerland

Here's everything you need to know about our services in Switzerland.

Our Solutions:

Professional Employer
of Record (PEO)

Access Financial are registered with the State Secretariat for Economic Affairs (SECO) and the Employment Service to engage in labour leasing and payroll management activities within Switzerland.

Access Financial is certified according to standard NEN 4400-1. NEN 4400-1 is a national Dutch standard that set requirements for temporary work businesses and contractors of work, including subcontractors, that have their registered office in the Netherlands with respect to the payment of taxes and social insurance contributions and the legitimacy of employment in the Netherlands.

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.
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    Client Onboarding
    and Contract

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    Tax & Legal

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    Professional Employer
    of Record (PEO) Service

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About Us

Access Financial Group has been in the Swiss market since 2003 when it has grown to become a leader in Swiss contract management as well as internationally. Our headquarters are in Nyon, in the canton of Vaud midway between Geneva and Lausanne. There are many reasons to choose Access Financial as your service provider:

100% Compliant
We are registered with the State Secretariat for Economic Affairs (SECO) and the Employment Service to engage in labour leasing and payroll management activities within Switzerland.
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.
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.
Global Presence
We have offices in the United Kingdom, Switzerland (Head Office), Germany, Luxembourg, Cyprus, China, India and Malaysia.


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

What is a Labour-leasing licence?

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.

What is a Professional Employment Organisation (PEO) or Employer of Record (EOR)?

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.

Eligibility Criteria & Work Permits

  • 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.

Health Insurance

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.

My take-home pay in Switzerland

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


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.

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.

    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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