We Are Sonect

Sonect builds digital cash and embedded payment infrastructure for customers, merchants, banks, payment providers and business partners.

Our Story

Founded in Zurich in 2016, Sonect started with a simple idea: access to cash should not depend only on traditional ATM infrastructure. Sonect connects electronic money accounts, mobile applications, partner wallets and physical retail locations, allowing customers and businesses to access, deposit, distribute and move funds through supported digital and physical channels.

In Switzerland, the Sonect services are provided by SONECT AG, Seefeldstrasse 283, 8008 Zurich, Switzerland.

Cash remains important for customers, merchants and financial institutions. At the same time, traditional cash infrastructure is expensive to operate, difficult to scale and not always aligned with digital financial journeys.

Sonect was created to make cash services more accessible, more efficient and easier to integrate. Our platform connects mobile applications, electronic money accounts, regulated payment flows, partner wallets and participating physical locations, so that cash services can be delivered through secure, traceable and compliant processes.

Our Products

Cash-Out

Cash-Out allows customers to withdraw cash at participating partner locations in Switzerland, such as shops, kiosks and other approved retail locations, using the Sonect app.

The service functions as an alternative to traditional ATMs. Customers can access cash at everyday shopping locations, subject to availability, onboarding, limits, fees and applicable terms. 

Customers can link their credit card or top up their Sonect wallet via bank transfer, or connect their Swiss bank account directly.

Customers may also send money to each other through peer-to-peer functionality where this is made available in the app. 

Our Vision

Our vision is to make cash services and electronic money infrastructure easier to access, easier to operate and easier to connect with digital financial services. 

We believe cash infrastructure can be more efficient when financial institutions, payment providers, merchants and technology platforms work through secure, compliant and API-enabled service models.

Our Mission

We connect the physical and digital worlds of money. 

Our mission is to help customers and businesses access, deposit, receive and move funds through simple, secure and compliant digital journeys. We support partners that want to extend service reach, reduce operational cost and offer cash and payment functionality through modern infrastructure. 

Our Values

01. Reliability

Cash and payment services must work in real-life environments. We focus on practical infrastructure, resilient operations and clear responsibilities between Sonect, partners and participating merchants.

02. Compliance

Financial services must be secure, traceable and compliant. We design our services around onboarding, customer due diligence, transaction monitoring, sanctions controls, fraud prevention, safeguarding and applicable regulatory requirements.

03. Accessibility

Cash and payment services should remain accessible through modern digital channels and local physical networks. Our products are designed to make cash and electronic money services easier to integrate, use and operate.

04. Partnership

Sonect works with banks, payment providers, merchants, wallet providers and technology partners. We build long-term relationships based on operational quality, transparency and shared responsibility.

Legal & Tax Information

SONECT AG is a Swiss company with registered office at Seefeldstrasse 283, 8008 Zurich, Switzerland. SONECT AG is affiliated with VQF, the Financial Services Standards Association, as its Swiss self-regulatory organisation for anti-money laundering supervision under the Swiss Anti-Money Laundering Act. Services provided by SONECT AG are subject to the applicable Swiss terms, product conditions and legal requirements. 

Sonect does not provide deposit-taking, credit, investment, insurance, tax advisory or legal advisory services through this website. Electronic money is not a bank deposit, does not bear interest and is not covered by a deposit guarantee scheme. 

Merchants, business partners and users remain responsible for their own tax, accounting, invoicing, VAT, income tax, corporate tax, reporting and recordkeeping obligations arising from their own activities. Sonect fees, commissions, merchant income, partner payouts and other payments may be subject to applicable taxes depending on the relevant jurisdiction, contract, business model and role of the party. 

Sonect may request information and documents required for onboarding, customer due diligence, anti-money laundering, counter-terrorist financing, sanctions, fraud prevention, tax, accounting, audit, reporting or regulatory purposes. Services may be refused, suspended, delayed or terminated where required by law, regulatory requirements, sanctions requirements, risk controls or applicable terms. 

For full legal terms, please refer to the applicable Terms of Use, Privacy Policy, Cookie Policy, complaints information and product-specific terms.

Become Part Of The Revolution!

We are looking for people who want to improve the infrastructure behind cash access, electronic money and digital financial services. 

If you want to work on payments, regulated fintech infrastructure, merchant networks and cash technology, visit our careers page.

Careers

Service Provider Disclaimer

If you are located in Switzerland, the Sonect services made available to you are provided by SONECT AG, Seefeldstrasse 283, 8008 Zurich, Switzerland, unless product-specific terms state otherwise. 

Service availability, features, limits, fees, onboarding requirements and regulatory treatment depend on the user’s location, product structure, partner setup and applicable terms.