Move in, worry-free!

Because moving costs enough already. Instead of blocking three months' rent – often while the old deposit hasn't been released yet – the money stays in your account. You pay a manageable annual premium and get HomeAssistance thrown in.

Once all documents are in and the first premium is paid, we usually issue the certificate within one to two working days. It goes digitally to your property manager or landlord and you receive a copy by email.

The law doesn't require a deposit, but almost all landlords ask for one. For residential premises it may not exceed three months' rent (Art. 257e CO). The deposit is either placed in a blocked account or provided through deposit insurance such as Swisscautionen24. In both cases the tenant remains liable for damage and unpaid rent.

With a classic bank deposit you pay up to three months' rent into a blocked account in your name that you can't touch. With a deposit guarantee without a bank deposit, Swisscautionen24 provides that security instead: we issue a deposit certificate to your landlord and guarantee the deposit amount. You pay an annual premium – your money stays with you.

Legally the certificate is deposit insurance under Art. 257e of the Swiss Code of Obligations. For the landlord it has the same function as a bank deposit.