IBAN in Switzerland
Switzerland IBANs are 21 characters long, starting with CH. Below you'll find the format, an example, and 5 major banks with SWIFT codes.
Switzerland IBAN Format
Swiss Franc · CHF
Switzerland IBAN Structure
2-letter country code + 2 check digits + 5-digit bank clearing number + 12-digit account number
Major Banks in Switzerland with SWIFT Codes
Click any bank for a bank-specific IBAN example and payment instructions.
| Bank | SWIFT / BIC | |
|---|---|---|
| UBS | UBSWCHZH | IBAN guide |
| Credit Suisse (now UBS) | CRESCHZZ | IBAN guide |
| PostFinance | POFICHBEXXX | IBAN guide |
| Raiffeisen Switzerland | RAIFCH22 | IBAN guide |
| Zürcher Kantonalbank | ZKBKCHZZ | IBAN guide |
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Switzerland IBAN FAQ
Common questions about Switzerland IBAN format, validation, and international payments.
Switzerland IBANs are 21 characters long and always start with CH. The structure is: 2-letter country code + 2 check digits + 5-digit bank clearing number + 12-digit account number. An example Switzerland IBAN looks like: CH56 0483 5012 3456 7800 9.
Switzerland is not in the SEPA zone, so international transfers require both the IBAN and the bank's SWIFT international wire transfer BIC code. Bitwage collects both automatically when you add a recipient.
Bitwage can route payments to Switzerland via stablecoin rails (USDC) — faster than a SWIFT international wire transfer wire and without flat fees. Or use our {{link:products/contractor-payments}} platform to compare available rails.
A valid Switzerland IBAN is exactly 21 characters, starts with CH, and passes the mod-97 check digit algorithm. Bitwage validates all IBANs automatically before routing any payment — preventing misdirected funds. For batch payments, use {{link:products/masspay}} with CSV upload.
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