Bexio Alternative in Switzerland 2026: Why LumaBill Is the Better Choice

Why Look for a Bexio Alternative?

Bexio has been one of the most well-known accounting solutions in Switzerland for years. But many freelancers and SME owners are asking: Do I really need all of Bexio's features — and do I have to pay CHF 35–42 per month for them?

For many users, the answer is no. Especially since Bexio removed bank import from their Basic plan and now only offers it in the more expensive Advanced plan (CHF 42/mo), more and more Swiss entrepreneurs are looking for alternatives.

In this article, we compare Bexio with LumaBill — a modern, Swiss-made solution that offers full bookkeeping with AI support from CHF 15/mo.

What Is LumaBill?

LumaBill is a Swiss invoicing and bookkeeping application built specifically for freelancers, sole proprietorships, and small SMEs. It combines professional invoicing with full double-entry bookkeeping — and uses AI-powered automation to massively reduce the bookkeeping workload.

Key Advantages at a Glance

• Modular pricing: Pay only for what you need
• Swiss QR-bills: Automatic generation per ISO 20022
• Double-entry bookkeeping: Always running under the hood, even in simple mode
• AI categorization: Receipts and bank transactions are automatically classified
• Bank import (CAMT): Included in the Pro plan — no premium surcharge
• Swiss data hosting: AWS in the EU, AI on EU-based AWS Bedrock

Bexio vs. LumaBill: The Full Comparison

Price Comparison

Savings with LumaBill: Up to CHF 240 per year with more features.

Feature Comparison in Detail

Invoicing

Both platforms offer professional invoicing with Swiss QR-bills. LumaBill stands out with:

• Unlimited invoices already in the Pro plan (CHF 15/mo)
• Recurring invoices with automatic sending
• Quotes with one-click conversion to invoices
• Multi-currency with automatic formatting

Bookkeeping

Bexio offers double-entry bookkeeping in all plans. LumaBill goes a step further:

• Simple mode (Milchbüechli): Perfect for freelancers — income and expenses, no accounting knowledge needed
• Advanced mode: Full double-entry with chart of accounts, general ledger, and manual journal entries
• One-click toggle: A toggle in settings — no data migration needed
• Swiss SME chart of accounts: Pre-installed and customizable

Bank Import

This is the decisive difference: Bexio removed bank import from their Basic plan. If you want to import CAMT files, you need to pay CHF 42/mo.

With LumaBill, bank import is included in the Pro plan (CHF 15/mo):

• CAMT.053 import: Import bank transactions directly
• Automatic matching: Transactions are matched to invoices and expenses
• AI-assisted reconciliation: Unmatched entries are automatically categorized

AI Features

LumaBill uses Claude AI via AWS Bedrock in the EU — your data never leaves Europe:

• Expense categorization: Photograph a receipt, AI detects amount, vendor, and booking account
• Bank transactions: AI suggests the booking account
• 100 documents/month: Twice as much as Bexio Advanced (50 scans)

Reports and Compliance

Both platforms offer the key reports:

• Profit & Loss (Erfolgsrechnung)
• Balance Sheet (Bilanz)
• VAT report (MWST-Abrechnung)
• Fiscal year close

LumaBill additionally offers GeBueV-compliant audit exports — everything your accountant or tax authority needs.

Who Is LumaBill Right For?

Freelancers and Sole Proprietorships

You don't need enterprise software for CHF 35/mo. With LumaBill Pro (CHF 15/mo), you create professional invoices with Swiss QR codes and handle your bookkeeping in one place — expenses, bank import, and double-entry bookkeeping are all included.

Small GmbH and AG

With the AI package (CHF 24/mo), you get everything: invoicing, bookkeeping, bank import, and AI. That's 43% cheaper than Bexio Advanced — with more AI capacity.

Existing Bexio Users

Switching is simple:

1. Create an account and enter your company details
2. Customize the chart of accounts (Swiss SME plan is pre-installed)
3. Create invoices — the familiar Swiss QR format
4. Activate bookkeeping and import bank files

Data Privacy and Security

As a Swiss company, we take data protection seriously:

• Hosting: AWS in Zurich, Switzerland — encrypted at rest and in transit
• AI: AWS Bedrock in Switzerland — no data goes to the US
• Compliance: Conforming to Swiss nDSG and EU GDPR
• GeBueV: Immutable journal entries and audit-ready exports

Price Comparison: What You Really Save

Conclusion: Bexio Alternative 2026

LumaBill is the ideal Bexio alternative for Swiss freelancers and SMEs who:

• Want to pay less without sacrificing features
• Need bank import without choosing the most expensive plan
• Appreciate AI support for bookkeeping
• Want to start simple and expand as needed

Try LumaBill free for 30 days — no credit card, no commitment.