Expense software Switzerland — comparison

Name: Expense software Switzerland — comparison
Creator: Stefan Bernhard
Published: 2026-08

Capture outlays on the road, settle flat rates under the policy.

As of August 2026

Swiss specifics

What is different in Switzerland

Expenses

The Swiss market imposes requirements that an international solution usually lacks — it is built for other legal systems. Buy from abroad and you notice at the year-end close, in the VAT filing or with the first payroll declaration. These are the points that decide in this category:

This category lists only vendors with a Swiss legal entity. Foreign solutions are not excluded — none of those that matter here names a franc price.

Expense policyAn expense policy approved by the canton allows flat rates without individual receipts. The software has to reproduce the rates it sets.
Expense flat ratesFlat rates for meals, accommodation and vehicles differ by policy and by role. Calculated by hand they drift into being wrong.
VAT 8.1 / 2.6 / 3.8 %The software has to carry all three Swiss rates — standard, reduced and the special rate for accommodation — and assign them correctly on documents and in the filing. Foreign programs often know only one rate per country.
Data locationSwiss data centres are not a legal requirement, but often a procurement criterion – especially for personal data and public-sector contracts.
VAT: effective or flat rateNot every program handles both methods equally well. If you file with net tax rates, test that explicitly before buying.
Ten-year retentionThe Swiss Code of Obligations requires ten years of audit-proof retention – including readability. Clarify what happens to your data after you cancel.
Export and exitBefore signing up, check what an export looks like (entries, documents, master data). A solution without a usable export is a one-way street.

Comparison of 4 solutions in Expenses, data from vendor sources with check date. As of August 2026. Surveyed and verified by Stefan Bernhard.
Criterion	Cloud all-rounder for small firmsDetails	Free entry with ecosystemDetails	Free tier, servers in SwitzerlandDetails	ERP heavyweight, strongest payrollDetails
Expense rules
Flat rates per policy	not researched	not researched	✓	not researched
Cost & onboarding
List priceas stated by the vendorbars: 0 to CHF 119	CHF 35–119	from CHF 26	free–CHF 8	via partner only
Pricing model	Subscription	Subscription	Subscription	via partner
Deployment	Cloud	Cloud	Cloud	Cloud + Desktop/Server
Free version	–	–	✓	–
Payroll, VAT & law
Swiss VAT filing	✓	✓	✓	✓
Data location	Switzerland	Switzerland	Switzerland	Switzerland
Scope & extensions
Open API	✓	✓	not researched	✓
Mobile app	✓	✓	✓	✓
Collaboration & vendor
Languages	DE · FR · IT · EN	DE · FR · IT	DE	DE · FR · IT · EN
Vendor	bexio AG (Mobiliar Group)	ePost Service AG (Swiss Post)	Spesen Digital GmbH	Abacus Research AG
Headquarters	Rapperswil-Jona SG	St. Gallen	Lausen BL	Wittenbach SG
Vendor website	open ↗	open ↗	open ↗	open ↗

Surveyed and verified by: Stefan Bernhard · Method