5 / 5
I can include a Swiss payment slip by QR-Code on my invoices without any additional setup.
Swiss Freelancer
Self-employed Professional
Fiduly Review: Is This Swiss Accounting App Right for Your Business?
An honest look at features, pricing, and limitations to help you decide if Fiduly fits your Swiss business needs.
Finding accounting software that actually understands Swiss business requirements is harder than it should be. International tools miss critical features like QR-bill invoicing and proper VAT handling. Local options often feel outdated or overpriced.
Fiduly positions itself as a made-in-Switzerland solution for SMEs and freelancers. But does it deliver? We tested it thoroughly to help you decide.
Overview
What Is Fiduly?
A cloud-based accounting and invoicing application built specifically for the Swiss market.
Fiduly was originally developed at EPFL (École Polytechnique Fédérale de Lausanne) in 2021 by founder Maxime Droubi. The software focuses on serving Swiss SMEs, self-employed professionals, and online merchants.
The platform follows Swiss accounting and financial standards, including ISO 20022 compliance. All data is hosted at secure Swiss datacenters—an important consideration for businesses concerned about data sovereignty.
Key target users:
- Self-employed professionals and freelancers
- Artisans and tradespeople
- Small online merchants
- SMEs needing straightforward bookkeeping
Core Features
What Fiduly Actually Does
A breakdown of the platform's main capabilities for Swiss businesses.
QR-Code Invoicing
Create invoices with Swiss QR-code payment slips directly included. Track payments and send reminders for overdue amounts.
- Swiss QR-bill compliant since July 2020
- Multiple invoice templates
- Automatic payment tracking
- Overdue payment reminders
VAT Management
Swiss VAT compliance with support for all settlement methods and automatic rate handling.
- Effective method support
- Net tax rate method
- Standard 8.1% rate handling
- Reduced rates (2.6%, 3.8%)
Bank Reconciliation
Syncs with your bank via CAMT files (Swiss ISO 20022 standard) for automatic transaction matching.
- CAMT file import
- Automatic invoice matching
- Supplier bill reconciliation
- Real-time balance tracking
Payroll Module
Built-in payroll management for small teams without needing separate software.
- Monthly and hourly wages
- 13th month salary handling
- Fixed and effective costs
- Allowances and bonuses
eCommerce Integration
Specifically built for online merchants with automatic synchronization features.
- Order auto-sync
- Real-time stock monitoring
- Online shop integration
- Inventory management
CRM & Multi-User
Track client relationships and collaborate with team members or your accountant.
- Payment arrears tracking
- Turnover per customer
- Multi-company management
- Accountant sharing access
User Feedback
What Users Are Saying
Real feedback from Fiduly users about their experience.
5 / 5
It reconciles our bank transactions CAMT-file with our payment slips and supplier bills—saves hours of manual matching.
Small Business Owner
SME, Zurich
5 / 5
Orders placed on my e-commerce site automatically synchronize with Fiduly. I monitor my stocks at all times.
Online Retailer
eCommerce Merchant
Pricing
How Fiduly Compares
Fiduly costs CHF 24/month or CHF 250/year (saves CHF 38). Here's how it stacks up against alternatives.
| Software | Monthly Cost | Notes |
|---|---|---|
| Fiduly | CHF 24 | All-in-one features |
| Bexio | CHF 29-99 | More established, larger user base |
| AbaNinja | CHF 21 | Basic tier, from Abacus |
| KLARA | Free-paid tiers | Swiss Post subsidiary |
| CashCtrl | Free or CHF 340/year | Multi-client PRO version |
Where Fiduly Falls Short
No software is perfect. Here's what you should know before committing to Fiduly.
📚
Learning CurveRequires some baseline accounting knowledge
🏦
Bank CompatibilityDoesn't support all Swiss banks
⚙️
Limited Advanced FeaturesNo time tracking or project management
🕐
Support Response TimesSome users report delays
🏢
Not for Complex StructuresMulti-entity businesses need more
Detailed Limitations
Learning Curve for Non-Accountants: While users praise the interface, some find the initial setup challenging without accounting knowledge. One review mentioned: "With little accounting knowledge, I am able to keep my books up to date"—but that still implies you need some baseline understanding.
Bank Compatibility: Fiduly doesn't support all Swiss banks for automatic sync. If your bank isn't compatible, you'll need to import transactions manually via CAMT files or enter them by hand. Before signing up, verify your bank works with the platform.
Limited Advanced Features: Compared to enterprise solutions like Bexio or Abacus, Fiduly lacks built-in time tracking, project management tools, advanced reporting customization, and extensive third-party integrations.
Customer Support Response Times: Some users report delays when contacting support. While help is available via email and chat, don't expect instant responses for complex issues.
Not Ideal for Complex Business Structures: If you have multiple legal entities, complex inter-company transactions, or international operations, Fiduly likely won't meet your needs.
Who Should Use It?
Is Fiduly Right for You?
Understanding who benefits most from this Swiss accounting solution.
✓ Good Fit
Swiss freelancers and self-employed professionals
✓ Good Fit
Artisans and tradespeople
✓ Good Fit
Small online shops needing inventory
✓ Good Fit
SMEs wanting simple, affordable bookkeeping
✗ Not Ideal
Companies needing time tracking or project management
✗ Not Ideal
Businesses with complex multi-entity structures
Swiss Context
Why Local Software Matters
International tools like QuickBooks or Xero miss critical Swiss requirements. Here's why local matters.
Legal requirements: Swiss businesses must follow the Code of Obligations (OR) for bookkeeping. Companies with turnover above CHF 500,000 (CHF 100,000 for legal entities) must maintain double-entry bookkeeping.
VAT compliance: Swiss VAT works differently than EU or US systems. The rates, reporting periods, and calculation methods are specific to Switzerland.
QR-bill mandate: Since 2020, all Swiss invoices need QR-code payment slips. International software typically doesn't support this.
Document retention: You must archive invoices and financial documents for 10 years minimum. Swiss-hosted solutions simplify compliance.
ISO 20022: Swiss banks use this standard for electronic payments. Your accounting software needs to speak this language.
International tools often create audit headaches because they don't properly handle Swiss VAT rates, payment formats, or legal requirements.
Alternatives
Other Swiss Options to Consider
Before deciding on Fiduly, evaluate these Swiss-market competitors.
Bexio
Market leader with ~90,000 Swiss SME users. More features, CHF 29-99/month.
KLARA
Backed by Swiss Post, offers a free tier. Good for very small businesses.
CashCtrl
Free version available, paid tier at CHF 340/year. Swiss-developed.
Crésus
Popular in French-speaking Switzerland since the 1990s. Strong in Romandie.
Banana Accounting
Desktop-based at CHF 69/year. Common with associations and schools.
FAQ
Frequently Asked Questions
Is Fiduly suitable for freelancers?
Yes, particularly for self-employed professionals and artisans. The platform specifically targets this market with features like simplified VAT handling and straightforward invoicing.
Does Fiduly work on mobile devices?
Fiduly is cloud-based and accessible from any device with a web browser. There's no dedicated mobile app, but the web interface works on tablets and phones.
Can my accountant access Fiduly?
Yes. You can share your account with your accountant or bookkeeper for real-time collaboration on your books.
Does Fiduly support all Swiss banks?
No. Check compatibility with your specific bank before signing up. If not supported, you'll need to import transactions manually.
Is my data stored in Switzerland?
Yes. Fiduly hosts all data at secure Swiss datacenters, ensuring compliance with Swiss data protection requirements.
The Bottom Line
Fiduly delivers solid value for Swiss freelancers, artisans, and small online merchants. The combination of QR-invoicing, VAT management, payroll, and eCommerce features at CHF 24/month is hard to beat on price.
However, it's not the right choice for everyone. Businesses needing time tracking, project management, or complex reporting should look elsewhere. And verify your bank's compatibility before committing.
Our recommendation: Take the 30-day free trial. Set up your actual business scenario—invoices, expenses, bank reconciliation. You'll know within a few weeks whether it fits your workflow.
Looking for Something Even Simpler?
Magic Heidi offers invoicing and expense tracking designed specifically for Swiss freelancers. Swiss QR-invoices, AI expense scanning, and VAT management—all in one simple app.