Frequently Asked Questions

In Switzerland, domiciliation is a regulated legal service defined under Art. 119 of the Swiss Anti-Money Laundering Act (AMLA/GwG). It provides a registered address to a legal entity for use in the commercial register — fundamentally different from a simple mailbox or coworking address in most other countries.

Virtual Office Zug operates as a fully AMLA-compliant domiciliary agent. Our four addresses across Canton Zug are accepted by the Handelsregisteramt Zug (HRAB) for GmbH and AG registrations.

Swiss domiciliation carries specific legal obligations:

• KYC verification of all beneficial owners — mandatory before activation
• Record maintenance for 10 years minimum
• Annual beneficial owner declaration renewal
• FINMA suspicious activity reporting obligations
• Full cooperation with Swiss authorities on lawful request

This regulatory framework is precisely why a Swiss address carries credibility — banks, clients, and counterparties know the domiciliary agent has conducted due diligence on every entity at the address.

Yes — entirely legal and extremely common. Under Art. 117 of the Swiss Code of Obligations and the Commercial Register Ordinance, a company's registered address does not need to correspond to its operational premises.

The legal requirement is that it must be a real, physical address where the company can be reached and official correspondence served. Our addresses satisfy all requirements: we are physically present, we receive mail, and we forward official correspondence promptly.

This structure is used by thousands of Swiss companies, including multinationals, holding structures, and family offices. Glencore and dozens of Fortune 500 subsidiaries maintain Zug registered addresses of this type.

What makes Switzerland different from jurisdictions where virtual offices carry regulatory risk is the AMLA compliance framework — every entity at our address has been KYC-verified and is on record.

Typically within 48 business hours of completing online KYC verification. Most clients receive their domiciliation agreement and address confirmation the same day if submitted before 14:00 CET.

1. Choose plan online — 10 minutes
2. Submit KYC documents (passport + proof of address) — 5 minutes
3. Team verifies — within 24 business hours
4. Address certificate delivered by email — immediately upon approval

Your address is immediately usable for commercial register applications, bank account opening, and official business correspondence.

• Scanning: every letter scanned within 24h of receipt — same day if received before 14:00 CET
• Digital forwarding: PDF forwarded to your email and accessible in your VOZ dashboard immediately
• Urgency detection: courts, tax authorities (ESTV), FINMA, and commercial register correspondence flagged high priority and escalated immediately
• VOZ Vault integration: if active, scans auto-saved to your encrypted Swiss vault
• Physical forwarding: available on request, worldwide, at cost
• Retention: physical mail retained 30 days before secure disposal

For urgent time-sensitive mail (tax demands, court notices, authority deadlines), our team contacts you directly outside normal scan cycles.

Yes. Our domiciliation address is accepted by all major Swiss banks for corporate account opening, including: UBS, Valiant, cantonal banks, SEBA Bank, Sygnum Bank, Neon Business, and Wise Business.

We provide a fiduciary-signed domiciliation certificate accepted for bank KYC, confirming the company is legally domiciled, KYC has been conducted on all beneficial owners, and the domiciliation agreement is in force.

Through our UBS & Baloise partnership, VOZ clients receive guided corporate account opening support including introductory letters and, where applicable, the CHF 0 notary fee offer.

No. The entire process is 100% remote — address activation, KYC, domiciliation agreement signing, mail management, and dashboard access.

For GmbH or AG formation, documents requiring notarisation can be handled via:

• Swiss embassy or consulate in your country of residence
• Apostille via a local notary — available in almost every country, accepted by Swiss authorities

Clients have successfully incorporated Swiss companies from Dubai, Singapore, Paris, London, Lagos, and Tokyo — without ever visiting Switzerland.

All four communes are in Canton Zug with effective corporate tax rates between 11.85% and 12.25%:

• Baar (~11.85%): most popular commercial commune, home to Glencore global HQ, 28 min to Zurich HB. Best for trading companies, tech startups, international businesses
• Cham (~12.01%): prestigious lakeside location on Lake Zug. Best for holding structures and family offices
• Steinhausen (~11.97%): quieter, more discreet. Best for consultants and private holdings
• Zug City (~12.25%): cantonal capital, heart of Crypto Valley, maximum prestige. Best for crypto/blockchain, fintech, VC-backed companies

The tax difference between cheapest and most expensive is just 0.4% — on CHF 500,000 profit that is CHF 2,000/year. Many founders choose Zug City for prestige despite the marginal premium.

Yes. Standard practice for holding structures, family offices, and serial entrepreneurs. A single Zug address can host multiple separate legal entities — each appearing independently in the commercial register.

Requirements per entity: separate AMLA-compliant domiciliation agreement, independent KYC (or simplified renewal if same beneficial owners), and a separate monthly subscription per entity.

Group pricing available for 3 or more entities. Commonly used for: holding + operating company, multiple portfolio companies, joint venture structures.

Art. 718 of the Swiss Code of Obligations requires that at least one director of a Swiss GmbH or AG must be a resident of Switzerland with individual signing authority.

The rationale: Swiss law requires a locally accountable person who can receive legal documents, sign statutory documents, and be personally accountable to Swiss authorities.

What it does not mean: the Swiss director does not run your company, make business decisions, or have access to your finances unless you explicitly grant those rights. Their role is purely administrative and statutory.

Qualified Swiss-resident fiduciary professionals based in Canton Zug. All directors are:

• Swiss residents with valid Swiss permit or citizenship
• Professionally qualified and licensed fiduciaries
• Familiar with AMLA/AML obligations and annual compliance requirements
• Covered by professional liability insurance (CHF 1M+)
• Registered with Swiss professional bodies

Specific director names and credentials are provided during onboarding. You always know exactly who holds the director mandate — this information is also publicly visible on ZEFIX.

No — unless you explicitly grant it in writing.

Our governance agreement defines the director's role as administrative only. Without your explicit written authorisation, VOZ directors cannot:

• Access your bank accounts in any capacity
• Transfer funds or make payments
• Enter into commercial contracts on your behalf
• Make any business decisions whatsoever

You retain full control of your company — financially, operationally, and strategically. The director mandate is scoped specifically to statutory requirements.

Director's responsibility: statutory compliance (commercial register updates, annual meetings, AMLA), timely filing of required documents, signing legally required documents.

Your liability as owner: all business decisions (strategy, operations, hiring), tax strategy and compliance, commercial contracts and obligations, any liability arising from your business activity.

Our directors are covered by professional liability insurance (CHF 1M+) for errors in their statutory duties.

You can replace at any time with no penalties or lock-in.

1. Board resolution authorising director change
2. New director appointment document prepared
3. Notarisation — remote via embassy or apostille
4. Commercial register filing — 5–10 business days
5. Termination of our mandate — effective upon register update

If you obtain Swiss residency yourself, you can become sole director entirely and eliminate the annual CHF 3,000 fee.

Yes. Our director service covers both legal forms:

• GmbH: serves as Geschäftsführer (managing director) with individual signing authority
• AG: serves as Verwaltungsrat (board member) — at least one must be Swiss-resident with individual signing authority

Annual cost is the same for both: CHF 3,000/year billed by the fiduciary, plus the CHF 249 one-time VOZ setup fee.

CHF 249 one-time VOZ setup fee plus CHF 3,000 per year, billed annually by the Swiss fiduciary.

At CHF 250/month equivalent, this is significantly below typical Swiss market rates of CHF 400–800/month for the same service.

Included: director appointment and commercial register entry, signing of legally required statutory documents, annual compliance review, bilingual EN/DE director mandate agreement, professional liability insurance coverage.

Yes — and this is the most common structure for VOZ clients. Being appointed co-director gives you:

• Formal signing authority in your own right
• Governance rights — you participate in decisions and formally record them
• Public registration in the commercial register (ZEFIX)
• Direct banking relationships — banks see you as a registered director

The Swiss-resident director requirement is still satisfied by our fiduciary. Included in the standard director mandate at no additional cost.

Typically 3–4 weeks from start to finish. The timeline is dominated by the commercial register's processing time — not by our processes.

• Day 1–2: address activated, notary contacts you within 48h, bank begins capital deposit account setup
• Week 1–2: transfer CHF 20,000 share capital, sign articles of association, bank issues capital deposit certificate
• Week 2–3: notary submits file to Handelsregisteramt Zug
• Week 3–4: company published on ZEFIX, capital released to your account, CHE number assigned

Through the UBS & Baloise partnership, notary fees (normally CHF 800–2,500) are fully covered. You pay only CHF 149 VOZ setup fee + CHF 550 Commercial Register fee.

CHF 20,000, fully paid up at incorporation.

This is the most misunderstood aspect of Swiss GmbH formation. The CHF 20,000 is not a cost — it is an asset of your company: deposited in a blocked bank account before formation, registered as share capital, released to your operating account immediately after registration, and usable for business expenses from day one.

For a Swiss AG: CHF 100,000 minimum, but only CHF 50,000 must be paid up at incorporation.

GmbH: minimum capital CHF 20,000 (fully paid), shareholders listed publicly, simpler governance, share transfer requires notarisation. Best for: solo founders, SMEs, holdings, consultants.

AG: minimum capital CHF 100,000 (CHF 50,000 paid up), shareholders NOT listed publicly (full privacy), board of directors required, shares freely transferable. Best for: VC-funded companies, institutional investors, crypto/blockchain structures.

Most common path: start with GmbH and convert to AG if raising institutional capital.

No — no nationality restrictions whatsoever. You can own 100% of a Swiss GmbH or AG regardless of nationality or country of residence.

The only requirement affecting non-Swiss owners is the director residency rule (Art. 718 CO) — our Swiss Director service satisfies this entirely. Practically every VOZ client is a non-Swiss national running a Swiss company from abroad. This is the norm, not the exception.

Yes. Foreign nationals can be directors, shareholders, and beneficial owners of Swiss companies. The only restriction: at least one director must be resident in Switzerland with individual signing authority (Art. 718 CO).

Most common VOZ structure: you as co-director and 100% shareholder (non-resident) + our Swiss director satisfying the residency requirement. You retain full control while remaining legally compliant.

~11.85–12.25% effective combined rate depending on commune: Baar ~11.85%, Steinhausen ~11.97%, Cham ~12.01%, Zug City ~12.25%.

Comparison: Zurich ~19.70%, Bern ~21.04%, Geneva ~24.16%.

On CHF 500,000 annual profit, the difference between Zug and Geneva is CHF 61,300/year. For holding structures, the participation exemption can reduce effective tax on qualifying dividend income to near zero.

Through an exclusive partnership with UBS and Baloise, notary fees (normally CHF 800–2,500) are fully covered when you: (1) open a UBS business account through our partner network, and (2) select UBS & Baloise “Zéro Souci” during checkout. You pay CHF 0 to the notary.

What you still pay: CHF 149 VOZ setup fee, CHF 550 Commercial Register fee (government — cannot be waived), CHF 20,000 share capital (your company's asset — fully recoverable).

Tax: annual corporate tax return, quarterly or annual VAT filing if registered.

Corporate governance: minimum one shareholders' meeting per year, annual accounts approved, commercial register renewal (~CHF 100/year).

Accounting: annual financial statements required. Audit only if two of three thresholds exceeded: CHF 10M revenue / CHF 20M balance sheet / 50 FTE. Most VOZ clients are below these thresholds.

AMLA: annual beneficial owner declaration renewal (VOZ handles automatically).

Estimated minimum annual running cost: domiciliation CHF 708 + director CHF 3,000 + accounting from CHF 1,200 + tax from CHF 500 = ~CHF 5,400/year.

Yes. Switzerland provides a formal transformation procedure under the Swiss Merger Act (Fusionsgesetz) with full continuity of legal personality.

Requirements: AG minimum capital CHF 100,000 (inject CHF 80,000 if your GmbH has CHF 20,000), board of directors appointed, notary procedure (remote), commercial register filing 5–10 business days.

Timeline: ~4–8 weeks. Common for companies raising institutional capital or needing full shareholder privacy.

The CHE number (Unternehmens-Identifikationsnummer / UID), format CHE-XXX.XXX.XXX, is Switzerland's unique company identifier — assigned at commercial register entry.

Used for: tax filings (ESTV), VAT registration (format CHE-XXX.XXX.XXX MWST), social insurance (AHV), commercial correspondence (invoices, contracts, letterheads), ZEFIX public register (searchable by CHE number).

VOZ Docs automatically pre-fills your CHE number in all generated Swiss legal documents.

All VOZ clients receive a formal bank introduction letter that accelerates the process significantly. Required documents:

• Commercial register extract (Handelsregisterauszug)
• VOZ domiciliation certificate (fiduciary-signed)
• Passport of all directors and beneficial owners
• Proof of residential address (max 3 months old)
• Company description and business model
• Source of funds declaration for share capital

Recommended banks by profile:

• UBS (via our partnership) — best for most international businesses, CHF 0 notary via Zéro Souci
• Valiant — excellent for SMEs, fast onboarding
• SEBA Bank — best for crypto/digital assets, FINMA-licensed
• Sygnum Bank — institutional crypto and digital assets
• Neon Business — digital-first, fast approval
• Wise Business — multi-currency, international payments

Timeline: 2–6 weeks depending on bank and nationality. Our introduction letter typically reduces processing time by 1–2 weeks.

Swiss banks apply enhanced due diligence to certain nationalities. This does not mean impossible — it means additional documentation and longer timelines.

Enhanced scrutiny typically applies to: US persons (FATCA reporting obligations), Russian nationals (additional sanctions screening since 2022), Iranian nationals (sanctions regime), certain African and Middle Eastern nationalities, PEPs (Politically Exposed Persons) of any nationality.

Most accessible nationalities: EU/EEA, Singapore, Australia, Canada, UK, Japan, Switzerland, UAE, South Korea, Hong Kong.

Contact us before applying if you are unsure — we can advise on the most appropriate bank for your specific situation.

FATCA (Foreign Account Tax Compliance Act) requires foreign financial institutions to report accounts held by US persons (citizens, green card holders) to the IRS.

Impact on Swiss accounts: banks request a W-9 form from US persons; account information reported annually to the IRS via ESTV; does not prevent account opening at most Swiss banks.

Accessible to US persons: UBS (via our partnership), SEBA Bank, Wise Business.

US persons operating Swiss companies must also address with a US-Swiss tax attorney: FBAR (FinCEN 114) — foreign bank account reporting; PFIC rules; CFC rules — controlled foreign corporation attribution. Swiss companies are fully viable for US persons — but proper US tax advice is essential.

Yes — Switzerland is one of the most crypto-forward jurisdictions globally. Canton Zug itself has accepted Bitcoin and Ethereum for government tax payments up to CHF 100,000 since 2021 — the first government in the world to do so.

Accounting treatment: crypto received as payment is treated as business income at the CHF equivalent on the date of receipt. Exchange gains/losses may be taxable business income.

Recommended banking for crypto businesses:

• SEBA Bank — FINMA-licensed, designed for digital asset businesses
• Sygnum Bank — institutional digital assets
• Neon Business — crypto-friendly for smaller operations

Swiss VAT (MWST) rates: 8.1% standard, 2.6% reduced (food, books, medicines), 3.8% hotel rate.

Mandatory registration: worldwide taxable turnover exceeds CHF 100,000/year, regardless of where clients are located.

Key point for international businesses: services exported outside Switzerland are generally 0% Swiss VAT. A consulting firm with all clients in Dubai and London may have zero VAT liability even at significant revenue.

Voluntary registration below CHF 100,000: possible — beneficial if you have significant Swiss input costs to reclaim.

Under Art. 69–70 of the Federal Direct Tax Act (DBG), the participation exemption effectively reduces corporate tax on qualifying dividend income and capital gains to near zero.

Qualification: minimum 10% ownership of the subsidiary, OR shares worth CHF 1 million+, OR for capital gains: minimum 1 year holding period.

Effective tax on qualifying holding income can fall below 0.5% — making Switzerland one of the world's most efficient holding jurisdictions.

Practical example: a Swiss holding receives CHF 1M dividend from its foreign subsidiary. With the participation exemption, Swiss corporate tax is approximately CHF 4,500 (0.45%) rather than CHF 119,000 at the standard 11.9% rate.

No. Switzerland does not have Controlled Foreign Corporation (CFC) rules in the traditional sense. Income retained in foreign subsidiaries is not attributed to the Swiss holding on a look-through basis. Only dividends actually paid to the Swiss entity are subject to Swiss tax — and then only at very low rates under the participation exemption.

OECD Pillar Two caveat: the global minimum tax of 15% applies only to multinational groups with revenues exceeding EUR 750 million. Virtually no VOZ client is in scope.

Substance requirements still apply to claim treaty benefits — genuine Swiss operations, real directors, and documented Swiss nexus are required.

Swiss withholding tax is levied at 35% on dividends paid by Swiss companies. This sounds alarming but is almost always recoverable.

Recovery options:

• Swiss tax residents: full 35% recovery through personal tax return
• Non-residents with treaty: recovery under DTA — 0% for qualifying holdings in Germany, UK, Netherlands, UAE, Singapore; 5–15% for most others
• Notification procedure (Meldeverfahren): for qualifying group structures (20%+ parent, both Swiss resident), withholding can be eliminated entirely — no cash flow impact

Most VOZ clients use the treaty rate or Meldeverfahren and pay 0–5% effective withholding on dividend distributions.

Switzerland has over 100 Double Taxation Agreements (DTAs) — one of the world's most extensive treaty networks.

Key benefits: dividends from foreign subsidiaries reduced to 0–15% in most treaty countries; business profits taxed only in Switzerland if no foreign permanent establishment; capital gains typically taxed only in Switzerland.

Key treaties (dividend withholding for qualifying holdings): Germany 0%, UK 0%, Netherlands 0%, USA 5–15%, Singapore 0%, UAE 0%, Hong Kong 0%.

Critical requirement: treaty claims require genuine Swiss substance. A mailbox address alone is insufficient for aggressive treaty planning — real director, documented Swiss nexus, and genuine management presence required.

BEPS (Base Erosion and Profit Shifting) requires genuine economic substance in jurisdictions where tax benefits are claimed. Switzerland has implemented BEPS recommendations.

How VOZ satisfies BEPS substance requirements:

• Licensed Swiss director with individual signing authority — genuine local governance
• Registered Zug address receiving official correspondence
• Documented Swiss nexus — AMLA records, commercial register entry, annual compliance

OECD Pillar Two: applies only to groups with revenues exceeding EUR 750M. The vast majority of VOZ clients are entirely outside scope.

Swiss social insurance is comprehensive and mandatory. Total employer cost per CHF 1 of salary is approximately CHF 1.15–1.25.

Mandatory contributions:

• AHV/IV/EO: total 10.6% — employer 5.3%, employee 5.3%
• ALV (unemployment): total 2.2% — employer 1.1%, employee 1.1%
• SUVA (accident insurance): typically 1–3%, employer pays
• BVG (occupational pension): mandatory if annual salary exceeds CHF 22,050 — typically 12–20% total

Register with the cantonal AHV compensation fund in Zug before first payroll. VOZ Accounting handles this as part of setup.

The Swiss patent box is a cantonal tax incentive reducing tax on qualifying IP income. Canton Zug offers one of Switzerland's most attractive implementations.

Canton Zug patent box: up to 90% reduction on the cantonal portion for qualifying IP income. Effective cantonal rate on qualifying income: ~0.27% vs 2.7% standard. Combined effective rate: roughly 8.5–9% vs 11.9% standard.

Qualifying income: licensing revenue, royalties, embedded IP in product sales.

Qualifying IP: patents registered in Switzerland or comparable foreign rights (EU patents, US patents). Additionally, Canton Zug allows a 150% R&D deduction on qualifying expenditure for cantonal tax purposes.

Not necessarily — and this surprises many international founders. Swiss VAT registration is mandatory once worldwide taxable turnover exceeds CHF 100,000/year, regardless of where clients are located. However, services to foreign clients are generally treated as export at 0% Swiss VAT.

Practical implication: if your Swiss GmbH invoices only international clients, all revenue may be zero-rated for Swiss VAT purposes. You would still need to register once you exceed CHF 100,000, but your effective VAT liability could be CHF 0.

Voluntary registration below CHF 100,000: sometimes beneficial if you incur significant Swiss input costs. Most early-stage VOZ clients do not benefit from voluntary registration.

All payments processed via Stripe — PCI-DSS Level 1 certified.

• Visa, Mastercard, American Express
• SEPA direct debit (European bank accounts)
• Swiss bank transfer (CHF)
• Apple Pay, Google Pay

All transactions billed in CHF. Stripe handles currency conversion if your card is in EUR or USD. VOZ charges no additional currency conversion fees. VOZ never stores card details — all payment data handled exclusively by Stripe with 256-bit SSL encryption.

No. All VOZ services are subscription-based with no minimum contract period. Cancel anytime from your dashboard with 30 days notice. No penalties, no cancellation fees, no administrative charges.

Exception — Swiss Director service: 60 days notice recommended to allow proper director transition and commercial register update. This is a legal requirement, not a commercial constraint.

You are never trapped. If you relocate to Switzerland, dissolve your company, or switch providers — we make the process straightforward.

30-day money-back guarantee on all plans, unconditionally. No questions asked, no reason required.

After the 30-day period: prepaid months non-refundable; annual plans: pro-rata refund for unused months if cancelled after first 30 days; one-time setup fees (CHF 99 for Voice plans): non-refundable after service is configured; formation fees: non-refundable once notary process has commenced.

If for any reason the service does not meet your expectations in the first 30 days, we refund in full.

All VOZ prices are in Swiss Francs (CHF) — regardless of your country of residence, card currency, or where your company operates.

If you pay with a EUR or USD card, your card issuer converts at the prevailing interbank rate. Stripe shows you the exact CHF amount before confirming payment.

Direct CHF bank transfer is available for clients who prefer to pay from a Swiss or international account. VOZ charges no additional currency conversion fees or international payment surcharges.

No. Our pricing is structured as: monthly/annual subscription (stated clearly per plan), one-time setup fee (CHF 59 domiciliation, CHF 99 Voice plans, CHF 0 Vault/Docs/AI), and third-party pass-through costs stated at cost with zero markup (CHF 550 Commercial Register fee, CHF 3,000/year director).

If an unexpected third-party cost arises, you are notified in advance and in writing before any charge is made. You will never receive an invoice that surprises you.

The CHF 99 setup fee applies exclusively to VOZ Voice plans. It covers: AI training on your business (website, services, FAQ, pricing), Swiss +41 number provisioning (Twilio Switzerland), dashboard setup and integration, QA testing (we call your number and test multiple scenarios before handover), and onboarding documentation.

One-time only — not charged on renewal.

VOZ Vault, Docs, AI: CHF 0 setup fees. Activate and use immediately from your dashboard.

Yes — fully compliant with both frameworks: Swiss nDSG (Federal Act on Data Protection, in force 1 September 2023) and EU GDPR where applicable to EU residents.

Key compliance measures: all data hosted exclusively in Switzerland (Infomaniak) — no US CLOUD Act jurisdiction; data retention limited to legal requirements; right to erasure and data export available; zero data sold or shared with third parties.

VOZ Vault: zero-knowledge architecture — we cannot read your documents even if compelled by a court order, because we do not hold the decryption keys.

Exclusively on Infomaniak servers in Switzerland — Geneva and Lausanne data centres. ISO 27001 certified, 100% renewable energy, triple data redundancy, 99.9% uptime SLA, Swiss nLPD and EU GDPR compliant.

No data is stored or processed in: the United States (no CLOUD Act exposure), any EU jurisdiction, or Hong Kong.

VOZ Vault: zero-knowledge encrypted. Servers store only encrypted ciphertext — not even we can read your vault contents.

We operate as a domiciliary agent under Art. 119 AMLA/GwG — a regulated activity with specific legal obligations.

Our AMLA obligations: KYC verification of all beneficial owners before activation; KYC records maintained for 10 years minimum; annual beneficial owner declaration renewal; FINMA suspicious activity reporting; AML compliance monitoring and screening.

Our Swiss fiduciary partners are additionally regulated by cantonal fiduciary authorities (Canton Zug) with CHF 1M+ professional liability insurance.

Art. 119 GwG defines the obligations of domiciliary agents. As a compliant agent, we must:

1. Verify identity of all beneficial owners before activation
2. Establish and maintain a shareholder register
3. Obtain and verify proof of identity for all controllers
4. Conduct annual renewal of beneficial owner declarations
5. Report suspicious activity to FINMA (MROS)
6. Retain all KYC records for 10 years minimum
7. Cooperate fully with Swiss authorities on lawful requests

What this means for you: your onboarding KYC is not bureaucracy — it is a legal requirement that makes your Swiss address credible to banks and counterparties worldwide.

We monitor Swiss regulatory developments continuously via our licensed fiduciary partners and proactively notify clients of changes that affect their structure.

Recent examples: nDSG (September 2023): privacy policies updated automatically; annual KYC renewal: automated reminders sent 30 days in advance; VAT rate change (2024): invoicing updated immediately.

You will never be caught out by a regulatory change we have failed to flag.

Switzerland has a two-tier system of public and private company information.

Public on ZEFIX: company name and legal form, registered address (our VOZ address), directors' names and signing authority, share capital amount, commercial register entry date.

Private — not public: your personal home address, beneficial owner identity, shareholder percentages, bank details, financial results (unless audit required).

GmbH vs AG privacy: for GmbH, shareholder names are listed in the register. For AG, shareholders are entirely private. A primary reason many founders choose AG when privacy is a priority.

The Handelsregister is Switzerland's official register of all commercial entities. ZEFIX (zefix.ch) provides free public access to all cantonal registers in one place.

You can: search any company by name, CHE number, or location; view full registration details; download PDF extracts (Handelsregisterauszug); track historical changes (mutations); verify director identities and signing authority.

Your company appears on ZEFIX within 5–10 business days of commercial register entry. Your VOZ address and our director appear correctly from day one.

VOZ provides the structural foundation FINMA compliance requires — but we do not provide FINMA regulatory legal advice directly.

What VOZ provides: FINMA-compatible registered structure (Swiss AG or GmbH), commercial register entry accepted by Swiss regulators, AMLA/KYC documentation meeting FINMA standards, licensed Swiss director familiar with DLT regulatory environment, Zug City address — recognized as Crypto Valley globally.

Requires a licensed Swiss attorney: FINMA licensing applications, no-action letter requests, token classification analysis, ICO/STO structuring.

We can refer you to qualified Swiss FINMA lawyers in Zug who work with our clients regularly.

VOZ Voice combines Swiss
telephony infrastructure with
conversational AI and
human-quality voice synthesis.

1. You receive a dedicated
   Swiss +41 number
   from Twilio Switzerland
2. Callers dial your number
3. AI answers within 2–3 rings
   in the caller's detected
   language
4. Natural conversation —
   questions answered,
   appointments booked,
   information captured
5. Call logged, transcribed,
   and summarised automatically
6. Summary delivered to your
   VOZ dashboard within minutes
7. If caller requests a human,
   AI transfers instantly with
   a context summary

AI training:
submit your website URL, service
description, FAQ, and pricing.
Our team trains the AI on your
exact business. All call data
stored in Switzerland
(Infomaniak) — zero data
in the US.

Voice cloning creates a
precise digital replica
of a specific person's voice
. Your AI receptionist
speaks in your exact voice,
tone, cadence, and warmth —
not a generic AI voice.

The process:

1. Record 3–5 minutes of clear
   audio — any phone or
   microphone
2. Submit via secure upload
   to our team
3. ElevenLabs processes the
   voice model — 24–48h
4. Your AI receptionist speaks
   in your cloned voice from
   the next call onwards

The result is
indistinguishable
from the original voice in
standard business conversations.
Multiple VOZ clients report that
callers — including Swiss bank
compliance officers — could not
tell they were speaking to an AI.

Available on
Pro and Enterprise plans
. You can clone your own
voice, a team member's, or
create a custom persona for
your brand.

VOZ Voice uses
real-time NLP
to detect the caller's
language in the first sentence
and responds immediately.
No phone menu. No “press 1 for
English.” No delay.

Language support
by plan:

• Starter:
  2 languages — EN + FR,
  or EN + DE
• Pro & Enterprise:
  4 languages —
  EN, FR, DE, IT — all
  automatically detected

Mid-call language
switching supported on
Pro and Enterprise — if a caller
switches from English to French
mid-conversation, the AI adapts
seamlessly.

Responses use correct
Swiss legal and business
terminology in each
language — not machine
translation from English.

Every call is automatically:

• Recorded —
  full audio retained
• Transcribed
  — accurate text version
• Summarised
  — AI-generated summary
  including call intent, caller
  name/company/number, key
  information, action items,
  callback requests
• Delivered
  to your dashboard within
  minutes of call completion

Data handling:

• All data stored in
  Switzerland (Infomaniak)
• Retained for subscription
  duration + 30 days after
  cancellation
• Exportable at any time
  (CSV, PDF)
• Callers informed of recording
  at start of each call —
  required by Swiss law

No call data stored in the US,
EU, or any jurisdiction outside
Switzerland.

Yes — two options:

Option 1 — Use your
new VOZ +41 number directly:
publish it on your
website, contracts,
Handelsregister, and business
cards. Most clients prefer this
— a Swiss +41 number is
prestigious and immediately
recognizable.

Option 2 — Forward
your existing number:
configure call forwarding from
your existing number (mobile or
landline, any country) to your
VOZ +41. Available from all
Swiss carriers and most
international carriers.
Typically set up via:

• USSD code on mobile
  (e.g. **21*+41XXXXXXXX#)
• Carrier online dashboard
• Customer service request

No changes required on the VOZ
side for call forwarding.

Starter
(CHF 49/month):

• 200 min/month
• 1 Swiss +41 number
• 2 languages (EN + FR or DE)
• Call log in dashboard
• Human transfer to 1 number
• Initial AI training included

Pro
(CHF 99/month):

• 500 min/month
• 1 number + 1 backup line
• 4 languages (EN/FR/DE/IT)
• Appointment booking
  integration
• Caller info captured
  automatically
• Transfer to 5 numbers
  with call summary
• Monthly AI retraining
• Voice cloning available

Enterprise
(CHF 199/month):

• 1,000 min/month
• 2 dedicated +41 numbers
• 4 languages with mid-call
  switching
• Custom AI tone and persona
• Transfer to 10 numbers
  with full context
• Monthly retraining +
  quarterly voice review
• Advanced analytics
• Dedicated onboarding
• SLA 99.9% uptime

All plans: CHF 99 one-time setup,
CHF 0.15/min for additional
minutes, cancel anytime.

Three distinct tools that work
independently or together as
a complete Swiss business
workflow.

VOZ Vault
(from CHF 12/month):
AES-256 zero-knowledge encrypted
Swiss document storage. Store,
organise, and share your company
documents — articles of
association, bank certificates,
KYC files, contracts — encrypted
and hosted exclusively in
Switzerland.

VOZ Docs
(from CHF 12/month):
AI generates Swiss legal documents
(22 types, 7 languages) from your
company data. NDAs, board
resolutions, employment contracts
— pre-filled with your CHE number,
Zug address, and director details.
Generated in under 30 seconds.

VOZ AI Assistant
(from CHF 12/month):
Swiss law, tax, and compliance
Q&A. Trained on Swiss CO, OR,
DBG, FINMA regulations, and
Canton Zug tax rules. Answers in
under 10 seconds. 100+ topics,
4 languages.

The integrated workflow
(VOZ Essential — CHF 29/month):
ask the AI → generate
the document → store it encrypted.
One dashboard, one login,
one invoice.

VOZ Docs generates
AI-assisted drafts
grounded in Swiss legal language
for your review and
customisation. Not legal advice —
but not generic templates either.

What makes them
professionally useful:

• Correct Swiss legal
  terminology and OR/CO
  provisions
• Pre-filled with your company
  data — no manual entry errors
• Updated for current Swiss law
  automatically
• 22 document types covering
  the most common Swiss
  corporate needs

Suitable for use after
review: NDAs, consulting
agreements, board resolutions,
standard employment contracts,
power of attorney, invoice
templates, director mandates.

Always involve a Swiss
attorney for: M&A
transactions, financing
agreements, FINMA filings,
court matters, complex
restructurings.

Zero-knowledge means
we cannot read your
files — even if we wanted to,
even if a court ordered us to.

1. File encrypted in your
   browser
   before transmission
2. Encryption key generated
   on your device and never
   sent to our servers
3. Our servers store only
   encrypted ciphertext
   
4. Only your device holds
   the decryption key

Consequences:

• In a data breach, attackers
  see only useless ciphertext
• No court order can compel us
  to produce readable files —
  we do not have the keys
• Even Infomaniak (our hosting)
  cannot read vault contents
• Even VOZ staff cannot read
  vault contents

Encryption standard:
AES-256 — the
same used by Swiss banking
infrastructure.

Yes — one of the most used
features by VOZ clients.

Time-limited secure
links: generate a
shareable link with a specific
expiry (e.g. 7 days, 30 days).
Your lawyer accesses without
creating a VOZ account.
Links expire automatically
and can be revoked anytime.

Fiduciary read-only
access (Pro and Business):
grant your fiduciary permanent
read-only access to specific
folders — they review your
board minutes, contracts, and
compliance documents without
emailing attachments.

External access is
read-only by default
— your fiduciary
cannot edit, delete, or download
files unless you specifically
grant permissions.

Not generic ChatGPT.
VOZ AI is a specialised
Swiss legal intelligence layer
trained specifically on:

• Swiss Code of Obligations
  (OR/CO) — GmbH, AG, contracts,
  corporate governance
• Federal Direct Tax Act (DBG)
• VAT Act (MWSTG)
• AMLA/GwG — compliance
  obligations
• FINMA regulations — DLT,
  crypto, financial services
• Canton Zug tax rules —
  municipal multipliers,
  holding privilege
• 100+ Swiss DTAs
• Swiss commercial register
  requirements

Context-aware:
connected to your VOZ account.
Knows your company type,
commune, director setup.
Answers tailored to your
specific structure.

Honest limitations:
not a licensed Swiss
attorney. Does not provide
binding legal advice. Answers
90% of typical Swiss business
questions and tells you when
the remaining 10% need
a professional.

Yes — Voice, Vault, Docs, and
AI Assistant are available as
standalone subscriptions
, independent of
domiciliation.

However, clients with VOZ
domiciliation benefit from
deeper integration:

• Voice:
  auto-trained with your Zug
  address details
• Vault:
  receives mail scans
  automatically
• Docs:
  auto-filled with your
  CHE number, Zug address,
  and director details
• AI: knows
  your specific canton, company
  structure, and director setup

5 steps. 15 minutes
of your time. 48 hours
to activation.

1. Go to
   
   /pricing/
   
   — choose your plan
   (from CHF 99/month)
2. Complete the online form —
   company name, type, commune.
   5 minutes.
3. Submit KYC documents —
   passport and proof of address.
   5 minutes via secure upload.
4. Team verification — within
   24 business hours
5. Address certificate delivered
   by email — immediately usable
   for commercial register,
   banking, and correspondence

For company formation: select
GmbH/AG option at checkout
(CHF 149 + CHF 20,000 share
capital). Full company operational
in approximately 3 weeks.

Not sure which service you need?
Book a free 15-minute call.

For domiciliation only
(quickest path):

• Valid passport or national
  ID of all beneficial owners
• Basic company information
  via online form (5 minutes)

For company formation
(GmbH or AG):

• Passport/ID of all
  shareholders and directors
• Proof of residential address
  (utility bill or bank
  statement, max 3 months old)
• Three company name choices
  in order of preference
• Share distribution plan
  (who owns what percentage)
• Business description
  (2–3 paragraphs, any language)
• Source of funds declaration
  for the CHF 20,000
  share capital

All documents submitted via
our secure encrypted
upload portal — never
by email. Processed and deleted
after KYC verification.

Yes — and this is the
most common path
for VOZ clients.

1. Step 1 — Address
   only (CHF 99/month):
   activate your Zug address,
   start receiving mail, use it
   for commercial register
   applications
2. Step 2 — Swiss
   Director (CHF 3,000/year):
   add when ready to
   incorporate or required for
   a bank account
3. Step 3 — Digital
   tools (from CHF 12/month):
   add from dashboard
   at any time. No new KYC.
   Activate in minutes.
4. Step 4 — Bundle:
   if 3+ products,
   the bundle saves money vs
   individual subscriptions

There is no obligation
beyond the address.
Many clients run successfully
for years on CHF 99/month alone.

Yes — very common. Many clients
switch from expensive traditional
fiduciaries to VOZ.

1. Sign up for VOZ address
2. Board resolution authorising
   address change
3. New domiciliation agreement
   with VOZ
4. Notarisation — remote via
   embassy or apostille
5. Commercial register filing —
   5–10 business days
6. ZEFIX update — new Zug
   address appears publicly
7. Notify your bank with
   updated register extract

Cost: same
commune = free. Different commune
or changing canton = CHF 589
(document preparation +
notarial deed included).

If switching from Zurich (~19.7%)
to Zug (~11.9%), the tax saving
often pays back the switching
cost within 4–6
months.

Both satisfy the same Swiss legal
requirements. The difference is
in price, language, speed,
transparency, and digital
capability.

Traditional Swiss
fiduciary:

• CHF 200–800/month for
  domiciliation
• German or French-first
• 12-month minimum contracts
• Manual, paper-based processes
• No digital dashboard
• No AI tools
• 3–5 day response time

Virtual Office Zug:

• CHF 99/month
• English-first (+ FR/DE/IT)
• No minimum contract
• 100% digital dashboard
• 30-day money-back guarantee
• AI tools integrated
• 4h average response time
• 48h activation

Both use the same licensed Swiss
fiduciaries for regulated
components (director,
incorporation). VOZ has engineered
the non-regulated components
at a fraction of the
traditional cost.

Four options depending on
your question type:

1. VOZ AI Assistant
(fastest — 24/7):
Swiss law, tax, compliance,
business questions. From CHF 12/mo.
Under 10 seconds per answer.
Free trial questions included.

Try VOZ AI →

2. Free consultation
(personal):
15-minute call with our team.
No commitment. 4h response.

Book now →

3. Contact form
(written):
Mon–Fri 08:00–18:00 CET.
4h response time.
/contact/

4. Dashboard support
(existing clients):
ticket directly from your VOZ
dashboard. Priority response
within 2 business hours.

Urgent matters
(courts, FINMA, tax authority
deadlines): email
support@virtual-office-zug.com
immediately — escalated outside
normal response cycles.