Betreibungsregister
Extract from the Debt Collection Register / Certificate of Solvency
[Be-try-bungs-re-gis-ter]Simple Definition
The official Swiss government record of debt collection proceedings. It acts as a mandatory "Certificate of Solvency" for renting an apartment or obtaining credit, fulfilling the same function as a credit check.
Why this matters to Expats.
The "Holy Grail" of rental applications. A single entry here (even a disputed one) usually disqualifies you from apartments. Protect this record fiercely. Switzerland typically does not use "Credit Scores" (like FICO in the US) or "Schufa" (like Germany). Instead, we use this Register. Landlords expect a completely "blank" sheet.
How to Order It
You can order this document from the local Betreibungsamt (Debt Collection Office) of your specific commune. The cost is typically CHF 17.00 plus postage. Most cantons now offer an online ordering service (e-Service), but you can also go in person with your ID.
The "Catch-22" for New Arrivals
If you just arrived, your register is empty. Is that good? Yes, but landlords know it is empty simply because you are new. To bridge this "trust gap", you may need a guarantor, a larger deposit, or a relocation consultant to vouch for your credibility.
Frequently Asked Questions
Can I order it from abroad?
Yes, usually via the online portal of your last commune.
Does it show foreign debts?
No, only debts prosecuted within the Swiss legal system.
How long does a debt stay?
5 years, unless formally deleted.
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