bexio

What bexio does

bexio AG is a Swiss cloud-based business and accounting software provider headquartered in Rapperswil, founded in 2012 and operating as a wholly owned subsidiary of Mobiliar (Die Mobiliar), Switzerland's largest private insurer. The company sells an all-in-one SaaS platform combining automated bookkeeping, order and invoice management, payroll (Swissdec 5.3 certified with ELM reporting), contact management, expense management, and direct bank connectivity to more than 64 Swiss financial institutions routed through Six Group's bLink platform. It targets Swiss small and medium-sized enterprises (1-25 employees), self-employed professionals, and startups, with a horizontal segmentation across all Swiss industries rather than vertical specialization.

The underlying technology stack is a multi-tenant cloud SaaS platform with deep Swiss regulatory integrations: Swissdec 5.3 certified payroll, ISO 27001 information security, and exclusive Swiss data residency. AI is applied narrowly to process automation — autonomous invoice recognition and posting, bank-transaction reconciliation, and QR-invoice data extraction via the bexio Go mobile app — rather than as a foundational differentiator. Distribution combines a product-led growth motion (30-day free trial, self-serve onboarding) with a 1,300+ certified fiduciary partner network, a 100+ app marketplace with developer API, and cross-sell leverage from the Mobiliar parent.

Revenue is generated through tiered monthly subscriptions (Basic, Advanced, Optima, Ultimate) with optional payroll add-ons priced per employee, supplemented by a recently launched bexio Pay debit card (transaction-fee stream) and marketplace revenue sharing with third-party app developers. The customer base exceeds 100,000 Swiss SMEs and self-employed users, making bexio one of the most penetrated SMB accounting platforms in Switzerland, with revenue concentration risk structurally low given the long-tail SMB model.

Name

bexio

Legal name

bexio AG

Website

https://bexio.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

bexio AG is a Swiss cloud-based accounting and business management SaaS platform serving over 100,000 SMEs, self-employed professionals, and startups in Switzerland with automated bookkeeping, Swissdec-certified payroll, 64+ bank integrations, and a fiduciary partner network.

Ownership category

akta.pro rank

Product category

Cloud Business and Accounting Software

NAICS

Computer Systems Design Services (541512), Computer Systems Design and Related Services (54151)

SIC

Services-Computer Integrated Systems Design (7373), Services-Computer Programming Services (7371)

akta.pro industry

PRIMARYHDAEALAD

IT Asset Management (ITAM) Platforms

Hardware, Technology & Telecom/Enterprise Platforms & Databases/Enterprise Service Management (ITSM/ESM) Platforms

SECONDARYBPAEAJAM

ITSM Governance, Compliance & Audit Readiness

Business & Public Services/IT & Digital Services (Managed Services, Systems Integration)/IT Service Management (ITSM) & Service Desk

Keywords

• Cloud accounting software
• Swiss business software
• SMB ERP platform
• Payroll automation
• Banking integration

Headquarters

HQ city

Rapperswil

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS subscription (Core Software): Subscription-based access to business software with tiered pricing (Basic, Advanced, Optima, Ultimate). Monthly or annual billing with free support and security updates included.
2. Payroll add-on module: Optional payroll accounting module priced per employee or per number of employees per month. Advanced: CHF 7/month for 1 employee, CHF 25/month for up to 5 employees. Optima: CHF 25/month for up to 5 employees. Ultimate: 25 pay slips included, up to 250 available.
3. bexio Pay debit card: Payment card with automated expense posting and no-fee foreign currency transactions.
4. Marketplace add-ons: Over 100 third-party apps available in marketplace, including time tracking, finance, connector apps. Revenue sharing with third-party app developers.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

bexio AG is a Swiss cloud-based business software platform that provides SMEs, self-employed professionals, and startups with integrated tools for accounting, payroll, banking, CRM, order management, invoicing, expense management, and inventory. The platform combines a core SaaS application with a mobile app (bexio Go), a debit card (bexio Pay), a developer API, a third-party marketplace, and complementary services such as a fiduciary directory, setup/onboarding services, and an academy offering.

Product overview

bexio is a Swiss-based all-in-one cloud business software platform for SMEs, self-employed, and startups. The core platform unifies accounting (automated bookkeeping with AI-powered invoice posting), payroll (Swissdec 5.3 certified with ELM reporting), order management, contact management, banking integration (64+ Swiss banks), and expense management. Additional products include the bexio Go mobile app, bexio Pay debit card solution, Marketplace with 100+ third-party apps, Document Archive, and services like Academy training, Fiduciary Directory, and Setup Services. The platform is available through subscription tiers (Basic, Advanced, Optima, Ultimate) and includes a Developer API for custom integrations.

Differentiator

Problem solved

Functional benefit

Brands

• bexio Go: Mobile application for scanning receipts and managing expenses on the go
• bexio Pay

Products and services

• bexio Core Platform Integrated cloud business software for Swiss SMEs, self-employed, and startups covering accounting, payroll, CRM, banking, order management, invoicing, expense management, and inventory in a single platform.
• bexio Go Mobile application for iOS and Android that lets Swiss SMB users manage expenses, capture receipts, track time, and access key business data on the go.
• bexio Pay Business debit card linked to the bexio account that combines spending, payments, and automatic expense categorization for Swiss SMBs and self-employed users.
• bexio Marketplace Curated marketplace of third-party apps, connectors, and service providers that integrate with the bexio platform to extend functionality.
• bexio Developer API Open API allowing developers and partners to build custom integrations and embed bexio data and workflows into third-party applications.
• Fiduciary Directory Free directory helping bexio customers find qualified Swiss fiduciaries, accountants, and tax advisors who work with the platform.
• bexio Setup Services Paid service for onboarding and configuring the bexio platform for new customers, including data migration and process setup.
• bexio Academy Training, education, and certification programs for bexio customers, accountants, and partners to learn platform usage and best practices.

Quantifiable outcome

• Save up to 12 hours of office work per month through automation
• +2 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• UBScoreTechnology or IntegrationDirect banking integration partner. bexio connects to UBS for automatic bank transaction reconciliation and payment order submission.
• PostFinancecoreTechnology or IntegrationDirect banking integration partner. bexio connects to PostFinance for automatic bank transaction reconciliation.
• RaiffeisencoreTechnology or IntegrationDirect banking integration partner. bexio connects to Raiffeisen bank for automatic bank transaction reconciliation.
• easygovminorStrategic or Co-development PartnerSwiss government services partner for streamlined business administrative processes.
• TREUHAND|SUISSEcoreChannel Partner/ Reseller/ DistributorOfficial fiduciary association partner. Over 1,300 certified fiduciaries available through bexio directory who recommend and support bexio customers.
• Six Group (bLink platform)coreTechnology or IntegrationBanking interfaces provided through Six Group's bLink platform for standardized bank connectivity across Switzerland.
• FacebookminorGTM or Marketing PartnerMarketing partnership for Facebook advertising and remarketing campaigns.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Banana.ch: Swiss-based accounting software with both desktop and cloud offerings targeting SMEs, freelancers, and small businesses in Switzerland. Direct competitor on Swiss-localized bookkeeping with multi-platform support.
• Run my Accounts: Swiss online accounting and payroll service designed for SMEs, startups, and fiduciaries. Competes head-to-head with bexio on Swiss-compliant bookkeeping, payroll, and fiduciary-friendly workflows.
• Abacus Research: Swiss ERP and business software provider competing directly with bexio in the Swiss SME and mid-market segment. Both target Swiss SMEs with locally compliant accounting, payroll, and ERP capabilities.

Regional players

• Lexoffice: German cloud accounting SaaS owned by Haufe Group, targeting German SMEs and freelancers. Comparable SaaS accounting model with German market focus, indicating potential DACH expansion threat or opportunity.
• sevDesk: German cloud-based accounting and invoicing SaaS for small businesses and self-employed. Comparable business model and target customer (DACH SMEs) but primarily serves Germany rather than Switzerland.

Broad incumbents

• Xero: Global cloud accounting SaaS platform serving SMEs with bookkeeping, invoicing, and payroll. While not natively localized for Switzerland at bexio's depth, Xero is a credible competitor entering European markets and represents bexio's primary global competitive threat.
• Sage: Established UK-based accounting and ERP vendor with a strong European footprint including Switzerland. Competes across SME and mid-market accounting, payroll, and business management segments.
• QuickBooks (Intuit): Global SMB accounting SaaS from Intuit with broad feature set and significant marketing budget. A direct substitute for many bexio use cases for SMEs not requiring deep Swiss compliance features.

Emerging players

• KLARA (formerly run my Home): European HR and payroll-focused platform adjacent to bexio's payroll offering. Compares as an emerging player in the SMB payroll and HR administration space with similar Swiss/European market dynamics.

Others

• TREUHAND|SUISSE: Swiss fiduciary association that is a bexio channel partner with 1,300+ certified fiduciaries in bexio's directory. Represents the broader fiduciary ecosystem on which bexio depends for customer referrals and implementation support.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bexiocom
• YouTubeyoutube.com/c/bexio
• Facebookfacebook.com/bexiocom
• LinkedInlinkedin.com/company/bexio
• Instagraminstagram.com/bexio_software
• TikToktiktok.com/@bexio_software
• Pinterestch.pinterest.com/bexiosoftware

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds4 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about bexio