No Right to a Bank Account, but a Statutory Duty on the Post to Open One
Answer
The general rule applies to you
No exception is recorded for citizens of Peru on this topic. That is the answer, not a gap - everything below is the rule you get, unchanged.
195 exceptions recorded across 74 countries · none match Peru to Switzerland · Opening a bank account
Swiss law gives nobody a right to be a customer of a bank. What it gives is a universal service obligation, and it sits in the Postal Act rather than in banking law: the Post must ensure a nationwide basic supply of payment services, accessible in an appropriate way to all population groups in all regions. The ordinance says what that contains, and the first item on the list is opening and running a payment account, in Swiss francs, for natural and legal persons with residence, seat or establishment in Switzerland. The obligation is discharged by PostFinance. It is not unconditional - PostFinance may exclude a customer where financial market, money laundering or embargo legislation conflicts with providing the service or compliance would cost the Post disproportionately, or where serious legal or reputational damage threatens - and it does not cover cross-border transfers at all. Every provider, Post or bank, must first identify the contracting party from a conclusive document under the Money Laundering Act.
At a glance
- A statutory right to a bank account
- None in the Postgesetz, the Postverordnung or the Geldwäschereigesetz, the three instruments read here; what exists is a duty on the Post rather than a right against a bank
Article 32(1) of the Postal Act obliges the Post to ensure nationwide basic payment services. No corresponding obligation on a commercial bank was found in the instruments read.
- What the universal service contains
- At least an offer of opening and running a payment account, credit transfers from it, cash credits to a third party's account, cash deposits to your own account and cash withdrawals from it
VPG article 43(1), a closed list of five, in Swiss francs and for domestic payment traffic.
- Who must provide it
- PostFinance
VPG article 3(2): PostFinance discharges the Post's obligation to provide basic payment services.
- Who it is for
- Natural and legal persons with residence, seat or establishment in Switzerland
VPG article 43(1). Residence in Switzerland is the qualifying fact, not nationality or permit type.
- What it does not cover
- Cross-border payments, whether in francs or in a foreign currency
VPG article 43(1bis). A universal-service account is a domestic instrument.
- When the duty gives way
- Where financial market, money laundering or embargo rules conflict with the service or compliance would cost the Post disproportionately, or serious legal or reputational damage threatens
VPG article 45(1). PostFinance must name the cases leading to exclusion in its general terms and conditions, under article 45(2).
- Identification
- On a conclusive document, when the business relationship is entered into
GwG article 3(1). The duty is on the financial intermediary, and applies to banks and PostFinance alike.
- Reach of the payment network
- Measured against the population of each canton, with an access standard the ordinance sets
VPG article 44(1) sets the standard by reference to 90 per cent of a canton's permanent resident population reaching the services on foot or by public transport within a stated time. The time itself has not been quoted on this record.
Requirements
- Residence, seat or establishment in Switzerland, for the universal payment account
- Identification of the contracting party on a conclusive document
- For a bank account: whatever that bank requires, since no statute obliges a bank to accept a customer
Country-level policy
Swiss federal law is published simultaneously in German, French and Italian, and for enactments the three versions are binding in the same way. No version prevails, which is the opposite of the arrangement in Malta, where the Constitution makes the Maltese text prevail over the English. That decides what this site quotes and how: any one of the three is the law, so the quotations in these records are in German, and the French and Italian versions of the same articles say the same thing with equal force. The second question the publication Act settles is the status of the platform. Article 1a says publication happens centrally through one publicly accessible online platform; article 15 then says the version published in the official compilation is authoritative for federal enactments, and that the version published on the publication platform is authoritative. Swiss consolidated texts are therefore not unofficial in the way Austria's RIS consolidations are, where the authentic text is only the one in the federal gazette.
What applies to you
Nothing changes for a citizen of Peru
We have no rule recorded that treats your citizenship differently here, so the general rule above is the one that applies to you. That is an answer, not a gap.
What the law says
«Die Post stellt eine landesweite Grundversorgung mit Dienstleistungen des Zahlungsverkehrs sicher.»Our translation - not official
The Post ensures a nationwide basic supply of payment services.
The obligation that stands in place of a right to an account. It is addressed to the Post, so what a reader can enforce is a universal service rather than admission to any particular institution.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«Die Dienstleistungen müssen für alle Bevölkerungsgruppen in allen Regionen in angemessener Weise zugänglich sein.»Our translation - not official
The services must be accessible in an appropriate way to all population groups in all regions.
"Alle Bevölkerungsgruppen" is what makes this relevant to a newcomer: the standard is population-wide rather than citizen-wide, and the ordinance ties the entitlement to residence.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«Die Grundversorgung umfasst mindestens ein Angebot für folgende inländische Dienstleistungen des Zahlungsverkehrs in Schweizer Franken für natürliche und juristische Personen mit Wohnsitz, Sitz oder Niederlassung in der Schweiz:»Our translation - not official
The basic supply comprises at least an offer of the following domestic payment services in Swiss francs for natural and legal persons with residence, seat or establishment in Switzerland:
The qualifying condition is residence in Switzerland and nothing else. The first item in the list that follows is opening and running a payment account.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«das Eröffnen und Führen eines Zahlungsverkehrskontos;»Our translation - not official
the opening and running of a payment account;
Five words that are the nearest thing in Swiss law to a basic bank account right. It is an account for payments, not a banking relationship, and it carries no credit.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«Sie umfasst nicht den grenzüberschreitenden Zahlungsverkehr mit Überweisungen in Schweizer Franken oder in einer Fremdwährung.»Our translation - not official
It does not include cross-border payment transactions by transfer in Swiss francs or in a foreign currency.
The limit that matters most to someone who has just moved: the guaranteed account does not guarantee sending money abroad or receiving it from abroad.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«Die PostFinance kann Kundinnen und Kunden von der Benützung der Dienstleistungen des Zahlungsverkehrs nach Artikel 43 ausschliessen, wenn:»Our translation - not official
PostFinance may exclude customers from using the payment services under article 43 where:
Two grounds follow: a conflict with financial market, money laundering or embargo legislation or disproportionate compliance cost, and the threat of serious legal or reputational damage. The second is broad, and paragraph 2 leaves PostFinance to specify the cases in its own terms and conditions.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«Der Finanzintermediär muss bei der Aufnahme von Geschäftsbeziehungen die Vertragspartei aufgrund eines beweiskräftigen Dokumentes identifizieren.»Our translation - not official
The financial intermediary must identify the contracting party on the basis of a conclusive document when entering into business relationships.
The duty every provider owes before opening anything. It is a duty of identification and not a power to refuse, but it is the provision behind the documents a newcomer is asked for.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
Practical notes
The negative here is bounded by three instruments read for it: the Postal Act, the Postal Ordinance and the Money Laundering Act. None of them obliges a bank to accept a customer. Banking supervision legislation and a bank's own conditions have not been read, and a bank's decision to refuse is a fact about that bank.
A universal-service payment account is not a bank account in the sense most readers mean. It runs in francs, it is domestic, and article 43(1bis) excludes cross-border transfers - so a salary paid from abroad or a transfer to a foreign account is outside what the guarantee covers.
The exclusion grounds in article 45 are wide enough to matter. "Serious legal or reputational damage" is not defined in the ordinance, and PostFinance writes the cases into its own general terms and conditions, which is a commercial document and not law.
Swiss banks are not uniform on this and nothing in this record says what any one of them does. Where a particular bank's conditions matter, they are primary evidence about that bank only.
- consolidatesPostgesetz (PG), SR 783.0, consolidated text in force from 1 September 2023
Fedlex, Bundeskanzlei der Schweizerischen Eidgenossenschaft · consolidated to 2023-09-01
About this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
- consolidatesPostverordnung (VPG), SR 783.01, consolidated text in force from 1 January 2021
Fedlex, Bundeskanzlei der Schweizerischen Eidgenossenschaft · consolidated to 2021-01-01
About this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
- consolidatesGeldwäschereigesetz (GwG), SR 955.0, consolidated text in force from 1 March 2024
Fedlex, Bundeskanzlei der Schweizerischen Eidgenossenschaft · consolidated to 2024-03-01
About this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source