Switzerland's banking system runs on SIC (Swiss Interbank Clearing) and SIC IP (instant payments). The country's currency is the CHF. The major banks below handle the vast majority of inbound and outbound SWIFT payments to Switzerland.
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Details
Switzerland runs its domestic interbank settlement on SIC (Swiss Interbank Clearing) and SIC IP (instant payments). International SWIFT payments arrive at one of the major correspondents listed below before being credited via the domestic system.
Top banks in Switzerland: UBS (UBSWCHZH80A, Zürich), Raiffeisen Schweiz (RAIFCH22, St. Gallen), Zürcher Kantonalbank (ZKBKCHZZ80A, Zürich), PostFinance (POFICHBE, Bern), Julius Bär (BAERCHZZ, Zürich).
UBS — SWIFT/BIC UBSWCHZH80A, headquartered in Zürich. Largest Swiss bank; dominant CHF clearer post-2023.
Raiffeisen Schweiz — SWIFT/BIC RAIFCH22, headquartered in St. Gallen. Cooperative banking group; major Swiss retail.
Zürcher Kantonalbank — SWIFT/BIC ZKBKCHZZ80A, headquartered in Zürich. Largest cantonal bank; AAA-rated.
PostFinance — SWIFT/BIC POFICHBE, headquartered in Bern. Postal bank; large retail and SME flows.
Julius Bär — SWIFT/BIC BAERCHZZ, headquartered in Zürich. Pure-play private bank; CHF / multi-currency.
If you have sent or received a SWIFT payment routed through any of these banks, you can verify it for free on Ohmyfin. Paste the 36-character UETR (from your MT103 or pacs.008 confirmation) into the homepage tracker to see the latest available SWIFT status — settled, in flight, pending compliance, or rejected.
Key facts
Country: Switzerland (CH)
Currency: CHF
Domestic settlement: SIC (Swiss Interbank Clearing) and SIC IP (instant payments)
Number of major banks listed: 5
Trackable on Ohmyfin: yes — free via UETR
Frequently asked questions
What are the major banks in Switzerland?
The largest banks in Switzerland include UBS, Raiffeisen Schweiz, Zürcher Kantonalbank, PostFinance.
What is the SWIFT code for UBS?
UBS's primary SWIFT/BIC is UBSWCHZH80A (head office in Zürich). Branches use 11-character extensions of this code.
How are domestic payments settled in Switzerland?
SIC (Swiss Interbank Clearing) and SIC IP (instant payments)
How do I track a SWIFT payment to or from Switzerland?
Paste the UETR into the Ohmyfin tracker. You will see the latest available SWIFT status in seconds — including which correspondent bank in Switzerland (or the international intermediary) is currently holding the payment.