Answers to the most frequently asked questions about Effizo.

The name comes from efficiency. Freelancers, sole proprietors and startups spend a good part of their time on accounting, taxes and VAT reporting – work that is rarely the reason anyone went self-employed in the first place. That is where Effizo comes in: simplify and automate whatever can be simplified and automated.

The name is short and easy to remember, and the application is meant the same way: you should be able to use it without reading a manual first.

What that leaves you with is time for the actual business.

Effizo is designed for sole proprietors, freelancers, and self-employed individuals with an annual turnover of less than CHF 500,000 who are looking for a simple bookkeeping solution. Effizo is open to companies based in Switzerland and in Liechtenstein; whether simple accounting is enough for your company in Liechtenstein is best clarified with your accountant.

Effizo is based on the income and expense accounting method, a simple form of bookkeeping that records the actual cash inflows and outflows within a specific period. Learn more about our features at a glance.

Effizo costs CHF 120 per year and offers a free 30-day trial with the full range of functions, allowing you to test the software without obligation.

Yes, Effizo supports both the effective VAT method and the net tax rate method. Learn more in our blog post about VAT accounting for sole proprietors.

No special prior knowledge is required to use Effizo. The application guides you through each entry and posts most of it automatically – you do not need to know what debit and credit mean.

Effizo places great importance on data protection. Your data is hosted in Switzerland (Google Cloud Zurich) and protected through encrypted communication channels. For more details, please refer to our privacy policy.

Effizo is easy to use, automates a large part of the work and is affordable. It was built for small businesses and self-employed people who do not need double-entry bookkeeping and want something straightforward.

Yes. Following the principle “No booking without a receipt,” you upload receipts as PDFs or photos, or send them to the app by email. Uploaded receipts are read automatically and Effizo turns them into matching entries. A receipt can also be assigned to an existing entry later.

Yes, Effizo can be used up to an annual turnover of CHF 500,000. If this threshold is exceeded, Swiss law requires a switch to double-entry bookkeeping.

Support is provided via email at support@effizo.ch and is included in the subscription fee.

Yes. With bank reconciliation you upload your bank statement as a CAMT.053 file or as a PDF. Effizo reads every transaction, checks the statement for balance, totals and statements uploaded twice, and suggests the matching journal entries for each one, incoming or outgoing.

Each suggestion shows why it fits – for example the payment reference, the IBAN, the payer’s name or the amount. The strongest suggestion comes first. Once you confirm a match, the invoice counts as paid – including partial payments. A batch credit is broken down into the individual payments it consists of. Every match can be undone.

No. Effizo does not fetch any data from your bank and needs no interface to your account. For bank reconciliation you upload the statement yourself – exactly as you download it from your e-banking.

That means you stay in control of which data Effizo gets to see, and no special agreement with your bank is required. For the booking you have a choice: Effizo suggests matches and you confirm – or you switch on “Book bank transactions automatically”, and Effizo then books the unambiguous cases itself.

Effizo reads two formats: your bank’s CAMT.053 file and the ordinary PDF of your bank statement.

CAMT.053 is the Swiss standard for electronic bank statements and carries every detail in structured form – that is the more reliable route. If your bank offers no such file, the PDF is enough, exactly as you download it from your e-banking. A PDF is read rather than imported in structured form – that takes a little more work, but it also covers the case where your bank provides no CAMT file.

Yes. You set up further mandants under the same login and switch between them without signing in again. Each company stays entirely separate in bookkeeping terms – its own entries, its own reports, its own VAT return.

On cost: additional users are free, additional mandants are not. Each further mandant costs the same as the first. There is more on the user management page.

The full range of functions. You capture receipts, write invoices, keep your books and prepare the VAT return exactly as you would for real – nothing is switched off.

Three things are different: generated documents carry a note saying they come from a trial version, the amounts in the QR payment slip, in reminders and in reports are obscured, and automatic receipt capture reads up to 10 receipts. You enter further receipts by hand, and with a subscription they are read automatically again, without a limit. The trial therefore cannot be used productively, but you can still assess Effizo in full. No credit card is required and the trial expires on its own.

Effizo runs in the browser – on your computer, tablet and phone, without installing anything. On the go, you photograph a receipt directly in Effizo with your phone’s camera; receipts with several pages are combined into one PDF. The interface is available in German, French, Italian and English, and you choose the language in the user menu. Effizo shows amounts and dates in Swiss format, that is 1’234.50 and 31.12.2026.