Ablauf

So funktioniert Swiss Tax Check

Schätzung berechnen

Enter your annual income, canton of residence and select any applicable deductions. Our algorithm calculates your estimated refund range in real time — it takes under 60 seconds.

Datenvereinbarung akzeptieren

We ask for your consent to access your financial data via your bank. We only request read-only access — we can never initiate payments or move funds on your behalf.

Bank verbinden

Select your Swiss bank from the list. You're redirected to your bank's secure authentication page. After login, we receive a read-only view of your tax-relevant transactions.

Rückerstattung erhalten

Our tax specialists review your data and file the optimised declaration. Once the tax authority approves your refund, it's transferred directly to your bank account. You pay a small success fee only after you receive your money.

🛡 Swiss Tax Check operates under Swiss DSG data protection law. Your data is hosted exclusively on Swiss servers and is never shared with third parties without your explicit consent.

Support

Häufig gestellte Fragen

Is this service really free upfront?

Yes — completely free until you receive your refund. We charge a success fee of 4% only after the Swiss tax authority has confirmed and transferred your refund. If you get nothing, you pay nothing.

Can you access my money or make payments?

No. We only request read-only access to your account statements. This is a standard Open Banking connection governed by Swiss financial regulation. We cannot initiate transfers, view passwords, or modify any account settings.

How accurate is the refund estimate?

The calculator gives an indicative range based on your income and selected deductions. After connecting your bank, our system performs a detailed analysis of your actual transaction history, which produces a significantly more accurate figure — typically within ±5% of the final tax authority ruling.

Which cantons do you support?

We currently support all 26 Swiss cantons. Each canton has slightly different tax rates and deduction rules, and our system automatically applies the correct parameters for your place of residence.

How long does the refund process take?

After your bank connection is confirmed and your data reviewed (typically 48–72 hours), we file your optimised declaration. The Swiss tax authority usually processes refunds within 4–12 weeks depending on your canton.

Is my data stored securely?

Your data is encrypted with 256-bit TLS in transit and AES-256 at rest. All servers are located in Switzerland and are compliant with the Swiss Federal Act on Data Protection (nDSG). We do not sell or share your data.

What if I already filed my tax return this year?

You may still be eligible. We can file an amended or supplementary declaration for the current year, or review up to 3 prior tax years for missed deductions — subject to cantonal rules on re-filing deadlines.

Preise

Transparente, erfolgsbasierte Preisgestaltung

We believe you should never pay for a service that doesn't deliver. That's why our entire fee model is built around your result.

Our fee

4% of your refund

Charged only after your refund is confirmed and transferred

✓ No upfront fee — ever

✓ No refund = no charge

✓ Minimum refund of 500 CHF guaranteed or free

✓ Full transparency — you see the exact fee before proceeding

Example calculation

Your confirmed refund2,400 CHF

Swiss Tax Check fee (4%)− 96 CHF

You receive1,920 CHF

⚡ The average Swiss Tax Check refund is 1,840 CHF, meaning our clients typically net over 1,470 CHF after fees — money they would have never recovered otherwise.

Legal

Privacy Policy

Last updated: 1 January 2025 · Swiss Tax Check GmbH, Bahnhofstrasse 10, 8001 Zurich

1. Who we areSwiss Tax Check GmbH ("we", "our", "us") is a financial technology company registered in Zurich, Switzerland. We provide automated tax refund identification and filing services to Swiss residents. Contact: [email protected]

2. What data we collectWe collect the minimum data necessary to perform the service: name and contact details, tax identification number (AHV-Nr.), annual income and employment information, bank account statements (read-only, via Open Banking), canton of residence, and selected deductions.

3. How we use your dataYour data is used exclusively to: calculate your estimated tax refund, prepare and file your tax declaration, communicate with Swiss cantonal tax authorities, and contact you regarding your refund status. We do not use your data for marketing, profiling, or advertising.

4. Data storage and securityAll data is stored on servers located exclusively in Switzerland. We apply 256-bit TLS encryption in transit and AES-256 encryption at rest. Access is restricted to authorised personnel on a strict need-to-know basis.

5. Data retentionWe retain your personal data for 10 years following the completion of your tax filing, as required by Swiss tax law. You may request deletion of non-legally-required data at any time.

6. Your rightsUnder the Swiss nDSG, you have the right to access, correct, delete, and port your data. To exercise your rights, contact us at [email protected]. We respond within 30 days.

7. Third partiesWe do not sell your data. We may share limited data with cantonal tax authorities as required to process your refund, and with our secure cloud infrastructure provider (located in Switzerland).

8. Changes to this policyWe may update this policy periodically. Material changes will be communicated via email. Continued use of the service constitutes acceptance of the updated policy.

Legal

Terms of Service

Effective date: 1 January 2025 · Governing law: Swiss law · Jurisdiction: Canton of Zurich

1. AcceptanceBy using Swiss Tax Check services, you agree to be bound by these Terms. If you do not agree, you may not use the service. These Terms apply to all users, including visitors, registered users, and customers.

2. Service descriptionSwiss Tax Check provides an automated tax refund estimation and filing service for Swiss residents. We are not a licensed tax advisory firm. Estimates provided through our calculator are indicative only and do not constitute formal tax advice.

3. Fees and paymentOur service is provided on a success-fee basis of 4% of the confirmed refund amount. No fee is charged until the tax authority confirms and transfers your refund. The fee is deducted from the refund before disbursement to you.

4. Your obligationsYou agree to provide accurate and complete information, grant us read-only access to your bank data as authorised, and not use the service for fraudulent purposes. You are responsible for the accuracy of information submitted to tax authorities.

5. CancellationYou may cancel the service at any time before a tax declaration has been filed on your behalf. Once a declaration has been submitted, the 4% success fee applies if a refund is subsequently issued.

6. Limitation of liabilitySwiss Tax Check is not liable for decisions made by cantonal tax authorities, delays in refund processing, or any indirect damages. Our total liability is limited to the fees paid by you.

7. Intellectual propertyAll content, algorithms, and software on this platform are the property of Swiss Tax Check GmbH and may not be copied, reproduced, or distributed without written consent.

8. Governing lawThese Terms are governed by Swiss law. Disputes shall be submitted to the exclusive jurisdiction of the courts of the Canton of Zurich.

Legal

Swiss DSG / nDSG Notice

In accordance with the Swiss Federal Act on Data Protection (Bundesgesetz über den Datenschutz, nDSG), in force since 1 September 2023.

🇨🇭 This notice applies to all residents of Switzerland and supplements our general Privacy Policy. It is issued in compliance with Art. 19 nDSG (duty to inform).

ControllerSwiss Tax Check GmbH · Bahnhofstrasse 10 · 8001 Zurich · Switzerland
Data Protection Officer: [email protected]

Legal basis for processingWe process your personal data on the following legal bases under nDSG: (a) your explicit consent (Art. 6 nDSG), (b) performance of a contract with you, and (c) compliance with Swiss legal obligations (including tax laws).

Sensitive dataWe may process data relating to your financial and tax situation, which may be considered sensitive under nDSG. This is processed exclusively for the purpose of filing your tax declaration and is never shared with third parties for commercial purposes.

Cross-border data transfersYour data is stored exclusively in Switzerland. We do not transfer your personal data to countries outside Switzerland or the EU without your explicit consent, and only where equivalent data protection standards apply.

Automated decision-makingOur refund estimation tool uses automated processing to calculate an indicative refund range. This is not a formal legal or financial decision — it is an estimate only. A human specialist reviews all tax declarations before submission.

Your rights under nDSGYou have the right to: information about your processed data (Art. 25), correction of inaccurate data (Art. 32), deletion of your data (Art. 32), restriction of processing, data portability, and the right to object. Requests: [email protected] · response within 30 days.

Supervisory authorityYou have the right to lodge a complaint with the Federal Data Protection and Information Commissioner (FDPIC): www.edoeb.admin.ch

Legal

Cookie Policy

Last updated: 1 January 2025

What are cookies?Cookies are small text files stored on your device when you visit a website. They allow us to recognise your browser, remember your preferences, and analyse how our site is used.

Cookies we use

Essential cookies — always active

session_id — maintains your login session. Duration: session only.

csrf_token — protects against cross-site request forgery. Duration: session only.

consent_status — records your cookie preferences. Duration: 12 months.

Analytics cookies — optional

_analytics — anonymised page view and interaction data. Provider: self-hosted Plausible (Swiss servers). Duration: 12 months. No personal data is collected.

Third-party cookiesWe do not use Google Analytics, Facebook Pixel, or any advertising cookies. We do not share cookie data with third parties.

Managing cookiesYou can control and delete cookies via your browser settings. Disabling essential cookies will prevent the service from functioning correctly. Disabling analytics cookies will not affect your ability to use the service.

ContactFor questions about our use of cookies, contact [email protected]

Company

About Swiss Tax Check

Swiss Tax Check was founded in 2022 by a team of former tax professionals and fintech engineers who were frustrated by the same problem: most Swiss residents unknowingly overpay taxes every year — and never find out.

"We built the tool we wished existed."

— Lukas Frei, Co-Founder & CEO

The Swiss tax system is notoriously complex. With 26 cantonal systems, dozens of eligible deductions, and forms that change every year, even financially literate people leave money on the table. The average overpayment is 1,840 CHF per year.

Our platform combines automated data analysis with certified tax specialist review to identify every eligible deduction. We file your declaration, handle all communication with tax authorities, and only charge you after you receive your refund.

14,200+

clients served

CHF 26M+

refunds recovered

26/26

cantons supported

4.9 ★

average rating

Headquarters: Bahnhofstrasse 10, 8001 Zurich, Switzerland
Founded: 2022
Team: 18 people (tax specialists, engineers, compliance)
Regulatory: Compliant with FINMA guidelines and Swiss nDSG

Company

Get in touch

We're a small team and we read every message. Expect a response within one business day.

Allgemeine Anfragen[email protected]

Kundensupport[email protected]

Datenschutz[email protected]

Office address Swiss Tax Check GmbH
Bahnhofstrasse 10
8001 Zurich
Switzerland

Business hours: Monday – Friday, 09:00 – 18:00 CET
Response time: Within 1 business day

Company

Press & Media

For media enquiries, interview requests, and press kit downloads, please contact our communications team at [email protected]

Recent media coverage

NZZ · March 2025

«Fintech-Startup hilft Schweizern, überzahlte Steuern zurückzufordern»

Handelszeitung · January 2025

«Swiss Tax Check raises CHF 2.4M seed round to scale nationwide»

SRF Digital · November 2024

«Automatisierte Steuerrückerstattung: Was steckt hinter dem Versprechen?»

Key facts

🗓 Founded: 2022, Zurich, Switzerland

💰 Funding: CHF 2.4M seed (January 2025)

👥 Team: 18 full-time employees

📊 Clients: 14,200+ Swiss residents

💎 Refunds recovered: CHF 26M+

🏦 Bank integrations: 9 Swiss banks

🌐 Coverage: All 26 Swiss cantons

📩 Press contact: [email protected]
Response time for press enquiries: within 4 business hours.

Kostenlose & sofortige Prüfung

Prüfen Sie, wie viel Steuern
Sie zurückbekommen

Die meisten Schweizer zahlen jährlich 1.000–3.000 CHF zu viel. Erhalten Sie Ihre Schätzung in unter 60 Sekunden.

92%

stellen Überzahlung fest

4.9★

Nutzerbewertung

CHF 0

Vorauszahlung

Steuerrückerstattungsrechner

Wohnkanton

Zurich

Bern

Luzern

Uri

Schwyz

Obwalden

Nidwalden

Glarus

Zug

Fribourg

Solothurn

Basel-Stadt

Basel-Landschaft

Schaffhausen

Appenzell Ausserrhoden

Appenzell Innerrhoden

St. Gallen

Graubünden

Aargau

Thurgau

Ticino

Vaud

Valais

Neuchâtel

Genève

Jura

Jährliches Bruttoeinkommen

CHF / year

Oder Schieberegler verwenden

0100k200k300k400k500k

Anwendbare Abzüge

Pendlerkosten

+0.5%

Säule 3a

+1.0%

Krankheitskosten

+0.5%

Spenden

+0.3%

Geschätzte Steuerrückerstattung

638 – 1,148 CHF

Richtwert · kostenlose Schätzung · unverbindlich

256-Bit-SSL

Nur-Lese-Bankzugang

Schweizer Daten-Hosting

FINMA Regulated

Trusted & officially regulated

256-bit SSLBank-grade encryption

Swiss HostingData stays in Switzerland

FINMA CompliantSwiss Financial Regulator

Read-only AccessWe never move funds

Official accreditation

Schweizerische Eidgenossenschaft

Confédération suisse Confederazione Svizzera Confederaziun svizra

Verified by admin.ch

Eidgenössische Finanzmarktaufsicht FINMA

Autorité fédérale de surveillance des marchés financiers FINMA Autorità federale di vigilanza sui mercati finanziari FINMA Swiss Financial Market Supervisory Authority FINMA

Registriert & reguliert

So funktioniert Swiss Tax Check

Schätzung berechnen

Datenvereinbarung akzeptieren

Bank verbinden

Rückerstattung erhalten

Häufig gestellte Fragen

Transparente, erfolgsbasierte Preisgestaltung

Privacy Policy

Terms of Service

Swiss DSG / nDSG Notice

Cookie Policy

About Swiss Tax Check

Get in touch

Press & Media

Dein geschätzter Rückerstattungsbetrag

Deine persönlichen Angaben

Wie können wir dich erreichen?

3 kurze Fragen

Ihr genauer Rückerstattungsbetrag

Ihre Bank verbinden

Prüfen Sie, wie viel SteuernSie zurückbekommen

Select your bank

Your bank

Your refund has been calculated!

Almost there — one last step

Your claim is being processed!

Trusted by Swiss residents

Prüfen Sie, wie viel Steuern
Sie zurückbekommen