What Helvo SA does

Helvo SA is a Swiss fintech founded in 2024 in Crissier that operates a digital financial platform targeting Swiss small and medium-sized enterprises. The company delivers an integrated financial operating system spanning company incorporation (capital deposit account), CHF and EUR IBAN business accounts, payments and physical/virtual Visa business cards, invoicing, Swiss-compliant payroll, automated accounting, and real-time financial insights, with data flowing automatically between modules. Banking services are provided through a regulated Banking-as-a-Service partnership with Hypothekarbank Lenzburg AG (supervised by FINMA, with esisuisse-protected deposits up to CHF 100,000), allowing Helvo to embed compliant Swiss banking infrastructure without holding its own license. The platform is accessible via web and mobile (iOS/Android) with biometric authentication, supports Swiss QR-bill processing, SEPA, and multi-currency CHF/EUR flows, and is published in English, German, French, and Italian.

Helvo monetizes through a published pricing schedule combining recurring service fees with transaction-based fees on payments, transfers, and card activity, supplemented by compensation from integrated third-party product providers. The go-to-market is product-led and self-serve: an early-access / beta signup captures demand, onboarding and account management are entirely digital with no branch visits, and the beta opened to a limited Swiss cohort in June 2026 with public access planned for later in 2026. Helvo is privately held, employs 22 people across Switzerland and Finland, and is led by a six-person co-founding team with backgrounds spanning private equity and strategy, Swiss federal administration, 30+ years of European banking/fintech engineering, CISO experience at a major Swiss financial institution, banking and auditing with FINMA fluency, and Swiss chartered accountancy. The company has raised $6.8M from SMTM Invest (June 2025) and is positioned as a regulated, Swiss-built alternative to fragmented stacks of separate banking, invoicing, accounting, and payroll tools used by Swiss SMEs.

Name

Helvo SA

Legal name

Helvo SA

Website

https://helvo.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Helvo SA is a Swiss fintech that provides an integrated financial operating system — combining business accounts, payments, invoicing, payroll, automated accounting, and financial insights — for Swiss SMEs, built on regulated banking infrastructure from Hypothekarbank Lenzburg.

Ownership category

akta.pro rank

Product category

SME Financial Management Software

NAICS

Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Depository Credit Intermediation (5221)

SIC

Functions Related To Depository Banking, Nec (6099), Finance Services (6199)

akta.pro primary industry

SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)

Keywords

• SME business banking
• Financial management software
• Business account services
• Automated bookkeeping
• Corporate payment processing

Headquarters

HQ city

Crissier

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Business Account and Banking Services: Revenue from business account maintenance fees and transaction fees on payments, transfers, and card transactions processed through the platform. Business accounts include CHF and EUR IBAN accounts with associated payment services.
2. Service Fees (Pricing Schedule): All applicable service fees are listed in Helvo's current pricing schedule available on the website. Fees are subject to VAT and may be directly debited from the business account at Hypothekarbank Lenzburg AG. Outstanding balances may result in service suspension.
3. Third-Party Product Compensation: Helvo may receive compensation from product and service providers integrated within the platform (e.g., accounting platforms, insurance, financing services). This forms part of Helvo's compensation model and supports service provision.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Helvo provides a unified financial operating system for Swiss small and medium-sized enterprises (SMEs) that combines a CHF/EUR business account (delivered through banking partner Hypothekarbank Lenzburg) with invoicing, payments, payroll, automated accounting, and real-time financial insights in a single platform. Companies can also use the platform to set up a capital deposit account for company incorporation in Switzerland. The offering is delivered as a digital-first, self-serve web and mobile platform with no branch visits required.

Product overview

Helvo is a unified financial operating system for Swiss SMEs, delivered as a platform-plus-modules architecture. The core platform integrates business account management with financial management tools, connecting seven distinct modules: Capital Deposit Account (for company incorporation), Business Accounts (CHF/EUR IBAN), Payments & Cards, Invoicing, Payroll, Automated Accounting, and Financial Insights. All modules share a common data layer enabling automatic transaction flow between payments, invoicing, and accounting. The platform is built on regulated Swiss banking infrastructure via partnership with Hypothekarbank Lenzburg and is accessible via web app and mobile app (iOS/Android).

Differentiator

Problem solved

Functional benefit

Products and services

• Capital Deposit Account Digital capital deposit account for company incorporation in Switzerland, typically available within 48-72 hours. Coordinates with notaries or formation partners and automatically transitions to the operational business account upon company registration. Built on regulated Swiss banking infrastructure.
• Business Accounts Swiss franc and Euro IBAN business accounts for day-to-day operations, typically active within 48-72 hours. Includes revenue categorization aligned across accounting records and integration with physical and virtual Visa company cards. Provided through Hypothekarbank Lenzburg under FINMA supervision.
• Payments & Cards Payment processing and company card management enabling send and receive payments in CHF and EUR, including Swiss QR-bill processing, physical and virtual Visa cards with spending controls, and real-time transaction tracking.
• Invoicing Invoice creation and management with automatic payment tracking. Supports invoice creation in minutes, QR-bill integration, payment status monitoring, and complete invoice history accessible in real time.
• Payroll Payroll processing aligned with Swiss standards (AHV, ALV, pension contributions, source taxes) and Swissdec compliance. Salary calculations and reporting handled automatically with payroll runs synced to accounting in real time.
• Automated Accounting Automated bookkeeping that categorizes and reconciles transactions in real time. Keeps books organized automatically with transactions flowing from payments, invoices, and expenses into accounting records.
• Financial Insights Real-time financial visibility and forecasting including cash flow analysis, P&L reporting, burn rate, margin tracking, revenue and profitability trends, and customer/supplier concentration monitoring.

Quantifiable outcome

• Most businesses can be operationally active within 48-72 hours from application
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature9 records

Partnerships

One partnership is on record.

• Hypothekarbank Lenzburg AG (HBL)coreTechnology or Integration · 17 June 2026Hypothekarbank Lenzburg AG is Helvo's licensed banking partner providing the regulated banking infrastructure on which Helvo's platform runs. HBL provides digital onboarding, business account management (CHF and EUR IBANs), payment processing, and card services through its Banking-as-a-Service (BaaS) infrastructure built on the Finstar core banking system. Helvo is built on HBL's banking license and operates under FINMA supervision. Deposits are protected up to CHF 100,000 under esisuisse. HBL is expanding into the digital SME segment through this partnership, marking a new direction for the bank which previously focused on retail banking partnerships. HBL also supports Helvo with identity verification procedures per FINMA regulations, facilitated by Intrum AG.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Qonto: French-headquartered SME neobank offering business accounts, payments, expense management, invoicing and accounting integrations across multiple European countries. Closely comparable to Helvo on integrated SME finance value proposition, with Helvo differentiated by deeper Swiss-native compliance/payroll localization.
• Moss: Berlin-based SME financial platform combining corporate cards, payments, expense management and accounting integrations. Comparable business model (integrated spend + finance for SMEs) but Moss is Germany-focused, whereas Helvo is Switzerland-only.
• Spendesk: French SME platform unifying company cards, spend approvals, invoice processing and accounting automation. Closely mirrors Helvo's integrated SME finance thesis but is positioned as a spend layer atop existing banks rather than a banking-rail owner.
• Pleo: Danish SME spend management platform with company cards, expense automation and broad integrations into accounting systems. Direct comparable on integrated SME finance model; Helvo differentiates via Swiss banking license integration and on-platform payroll/accounting.
• Kontist: German SME banking platform combining business accounts with integrated bookkeeping, tax features and invoicing for freelancers and SMEs. Comparable product architecture; Helvo differentiates through Swiss payroll compliance and Swiss-banking rails.

Broad incumbents

• Raiffeisen Switzerland: Cooperative Swiss banking group with the largest physical branch network in Switzerland and a deep SME lending and deposit franchise. A primary incumbent competitor for SME banking relationships across Swiss cantons.
• PostFinance: Switzerland's fifth-largest bank and a state-owned financial institution with a large SME customer base, offering business accounts, payments and increasingly digital tools. Represents the entrenched incumbent Helvo must displace or partner with.
• Hypothekarbank Lenzburg: Swiss cantonal-anchored bank providing the regulated BaaS infrastructure on which Helvo's platform runs. Itself is broadening into digital SME banking via its Finstar core banking system, making it both a partner and a potential broader-competitor over time.

Emerging players

• Yuh: Swiss neobank joint venture between PostFinance and Swissquote offering a multi-currency app with spending, saving and payments. Comparable Swiss-localized digital banking DNA but focused on consumer/personal accounts rather than SME operating systems.
• Neon: Swiss mobile-first neobank operating on Hypothekarbank Lenzburg BaaS rails (the same partner as Helvo). Compares on Swiss BaaS distribution and localization, but currently focuses on personal accounts — could pivot or overlap with Helvo's SME segment.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors1 record

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

M&A

Investments

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

Frequently asked questions about Helvo SA