We Operate, Develop, and Digitalize Payments and Banking Services for the Swiss Financial Center
SIX operates, develops, and digitizes the Swiss payment traffic for both private and business use – together with the local financial institutions and in close cooperation with the Swiss National Bank.
The modern and secure SIC (Swiss Interbank Clearing) infrastructure is of systemic importance for Switzerland as a business location. On this basis, we promote the continuous development of platforms, channels and payment means that bridge the gap between the physical and digital worlds.
We are continuously working on new approaches to open up innovative business areas and thus improve the payment experience for our customers. At the same time, we always strive to look at society as a whole so that everyone can keep up with the modernization of payments while also benefiting the environment.
Our Value Proposition
Network Effects
We drive network effects based on joint banking platforms.
Cost Reduction
We enable our customers to reduce costs by leveraging economies of scale through the provision of centralized services.
Security & Stability
We operate highly secure and stable key banking infrastructures in Switzerland.
Digitization & Enabling of Innovation
We develop innovative services and technologies, bring them to market maturity and foster their widespread adoption.
...while enabling sustainability and inclusion through our solutions.
"Together, we are shaping the Swiss payments landscape."
Dieter Goerdten, Head Banking Services and Member of the Executive Board of SIX
Our Business Areas
eBill, QR-bill, Payments in Switzerland and Europe, instant payments
With eBill, the payment of invoices via e-banking, we are driving the digitalization of payments. At the same time, the QR-bill bridges the gap between the paper-based and the digital world.
On behalf of and under the supervision of the Swiss National Bank, all interbank payments in Swiss francs are processed via the SIC interbank payment system operated by SIX.
From August 2024, we will enable instant payments. SIC will then process customer payments within seconds and 24/7/365.
New debit cards with e-commerce and mobile payment functionalities
We are the preferred partner for debit card processing and innovative value-added services in Switzerland and Liechtenstein.
In close cooperation with the banks, we are continuously developing the debiX+ app and expanding the offering in line with customer needs.
We operate the customer service center for card issuers, assume responsibility for preventing card-related fraud on behalf of the card issuers, and handle chargebacks.
ATM services
With our ATM system, we operate the largest ATM network in Switzerland and are a partner to banks for cash solutions.
In addition, we define and manage common standards and requirements for the respective networks. We also process interbank transactions.
Banks can outsource their ATMs to us. By outsourcing to SIX, banks can be sure that the familiar ATM functions will remain unchanged and will be made fit for the future through innovation.
open banking
With bLink, we provide the Swiss financial center with an efficient, secure, and comprehensive open banking platform for the standardized exchange of data and services via state-of-the-art interfaces (APIs).
The platform allows its participants (banks and FinTechs) to establish innovative API-based solutions for both private and business clients in a highly standardized and scalable way.
payment enrichment services
Data is the foundation that drives the development of innovative products and services. The combination of data and advanced technologies can not only significantly improve business performance and efficiency, but also drive innovation and competitiveness.
SIX applies advanced data science techniques to unlock the potential of data and develop value-added data products or solutions. We strive to provide effortless access to data insights to help our clients achieve growth, smart decisions, and sustainable success.
SIC system, euroSIC system
With SIC and euroSIC interbank payment systems, financial institutions have access to a one-stop-shop for processing real-time payments in Swiss franc and euro across Switzerland, Europe and worldwide – efficiently and securely. When it comes to interbank payments, banks rely on the combination of innovative international standards and reliable, powerful and cost-efficient interbank payment technology. Building on these, they harness the increasing digitalization in their customers’ day-to-day lives to improve the customer experience with innovative payment functions, and by offering easy access to banking services via smartphones and mobile apps.
electronic commerce with the land register
Terravis is your land register interface. It provides access to data from land registries, the Cadastre of public-law restrictions (ÖREB-Kataster), and the official cadastral survey. Whether submitting land register transactions to land registries, or administering registered mortgage certificates, we provide you with the digital platform you need to complete your tasks efficiently.
Use our services, simplify your work processes and reduce sources of error. Digital, secure, and standardized.
euro payments
Based in Frankfurt am Main, SECB is a commercial bank specializing exclusively in the processing of euro payments and all related customer services as well as cash and collateral management.
SECB's business purpose is to connect to the major euro clearing systems and to process euro payments, primarily for banks and financial institutions from Switzerland and Liechtenstein, but also from other countries.
"CEO Talk" with Dieter Goerdten
As part of the "CEO Talk", Dieter Goerdten, Head of the Banking Services business unit, and Martin Spieler, business journalist and independent financial expert, shared their thoughts on the future development of payment transactions and the added value of instant payments for companies and consumers.
The interview is available in Swiss German/German and provides in-depth insights into this key topic.
Discover More
Instant Payments
Credit transfers in a matter of seconds at any time of day. Instant payments are processed 24 hours a day, 7 days a week, 365 days a year. The amount owed arrives in the payment recipient’s account in real time, and is available immediately. They will be available in Switzerland from August 2024.
Payment Enrichment Services
Generate added value from transaction data while bringing transparency to your customers' personal and corporate finances. With Payment Enrichment Services from SIX, you'll transform raw data into useful information and create unique user experiences based on new, data-driven offers.
White Paper: The Impact of Technology on New Business Models in Banking
This white paper delves into key trends in open banking, embedded finance, and banking-as-a-service with real-world cases. It outlines significant shifts in the banking value chain, spotlights emerging business models, and offers insights to enhance the competitiveness of the Swiss financial center.
White Paper: Future of Invoicing
The white paper of SIX examines invoicing practices in Switzerland and aims to provide guidance to both invoice issuers and invoice recipients. It summarizes the key findings and conclusions from the analysis of three different invoicing methods, and also looks at potential short- and long-term developments in the industry.