Deposit certificate
The official document for your property manager – equivalent to a bank deposit under Art. 257e of the Swiss Code of Obligations.
For tenants
The deposit that doesn't block your account
You've got the flat, we handle the deposit. You pay an annual premium, we guarantee the deposit amount to your property manager. Your money stays available.
- From age 18
- For flats with deposits up to CHF 20,000
- Ends when you move out
Calculate your premium for a flat
CHF
CHF 500.00CHF 20,000.00
Usually 2–3 months' rent. It's in your lease.
Your premium
First year
CHF 310.30
From the second year: CHF 257.80
- Base premium
- CHF 220.50
- Administration fee
- CHF 25.00
- Certificate fee (one-off)
- CHF 50.00
- Federal stamp duty 5%
- CHF 14.80
The longer you stay, the cheaper it gets
- 310.30Year 1
- 257.80Year 2
- 234.60Year 3
- 211.45Year 4
- 188.30Year 5
✓ HomeAssistance included · For flats up to CHF 20,000.00. Higher amounts on request.
What you get
HomeAssistance
Emergency help around the clock, up to CHF 1,000 per call-out, no excess.
Discounts that grow
Loyalty discount from the second year and 10% for under-26s – combinable.
How it goes
- 1
Get your documents ready
Lease (all pages), ID or residence permit, and for G/L/N/S permits an employment contract of at least twelve months.
- 2
Fill in the application
Online, in about ten minutes. You receive a confirmation with your application number straight away.
- 3
Pay the premium
After the review you receive a secure payment link.
- 4
Receive the certificate
Your property manager gets the certificate, you get a copy – and move in.
Common questions from tenants
- You are at least 18 years old.
- At least one tenant on the lease is a Swiss citizen or holds a B, C or F residence permit. With a G, L, N or S permit, or as an EU/EFTA citizen without a permit, you need an employment contract of at least twelve months.
- The credit check is positive.
- The lease for a home in Switzerland runs for at least three months.
For residential premises we issue certificates up to CHF 20,000. We review higher amounts on request. By law the deposit for flats may not exceed three months' rent.
Yes. We check the creditworthiness of all tenants. With open debt enforcement, certificates of loss or missing documents we may decline the application. In that case we inform you by email and any premiums already paid are fully refunded.
As long as the tenancy lasts and the landlord hasn't released the guarantee. The deposit ends as soon as the landlord confirms the release or returns the certificate – usually after the handover of the flat.