Swiss debt enforcement register extract: application, costs and validity

The debt enforcement register extract is one of the most important documents in everyday Swiss life. Landlords, banks, and employers regularly request it because it shows whether there are any outstanding debt collection proceedings. This article explains how to apply for a debt enforcement register extract in Switzerland, what costs are involved, and how long it is valid.

What is an extract from the debt enforcement register?

The debt enforcement register extract is an official extract from the debt enforcement office of the place of residence. It shows:

• outstanding debt collections
• completed debt collection proceedings
• Seizures
• Certificates of loss
• Payment delays

Only debt collection proceedings at the current place of residence will appear on the extract. In case of a move, the extract must be from the new municipality.

How do I apply for an extract from the debt enforcement register?

In person at the debt enforcement office

• Present your identity card or passport
• fill out the form
• Pay the fee
• The extract will be handed out directly or sent by post.

Online order

Many cantons allow digital ordering.
You will need:

• ID number
• current address
• Payment method (credit card, Twint or ePayment)

The extract is usually sent as a PDF or delivered by post.

Costs of obtaining an extract from the debt enforcement register

The costs vary depending on the canton and municipality. 17 and 25 francs.
A small service fee may also apply to online orders.

Multiple copies are usually billed individually.

How long is the debt enforcement register extract valid for?

Officially, the extract has no fixed validity period.
In practice, this requires:

• Landlord
• Banks
• Insurance
• Employer

an excerpt that not older than three months is.
For apartment applications, a document is often required that is no longer than a certain amount. 30 days is old.

When is an extract from the debt enforcement register required?

Typical situations:

• Application for a rental apartment
• Applying for a mortgage
• Conclusion of a new subscription or contract
• Employment with certain employers
• Loan and lease applications

The extract serves to assess a person's solvency and reliability.

Conclusion

The Swiss debt enforcement register extract is a key document for assessing financial reliability. Applying for it is straightforward, the costs are low, and many cantons offer a digital ordering option.