# ibani — CHF/EUR Exchange: Margin from 0.15%, No Hidden Fees

> Save on your transfers. Get a personal Swiss IBAN in your name and exchange currencies online at the real market rate (+ margin from 0.15%), with no hidden fees.

## Main pages
- [CHF/EUR Exchange: Margin from 0.15%, No Hidden Fees](https://www.ibani.com/en): Save on your transfers. Get a personal Swiss IBAN in your name and exchange currencies online at the real market rate (+ margin from 0.15%), with no hidden fees.
- [Cross-Border Worker Account & CHF-EUR Exchange at the Best Rate](https://www.ibani.com/en/cross-border-workers): ibani, serving cross-border workers since 2018. Optimise your CHF-EUR exchange and repatriate your Swiss salary via a personal transit IBAN.
- [Currency Exchange for Individuals: Large Amounts at the Best Rate](https://www.ibani.com/en/personal): Save on exchange fees for all your transfers: real estate, retirement, studies, investments. Personal Swiss IBAN, margin from 0.15% on large amounts, with no limit.
- [Transfers & Currency Exchange for Expats in Switzerland](https://www.ibani.com/en/personal/expats): Living in Switzerland and sending money abroad? ibani offers the real exchange rate for your international transfers, with no transfer fees and a margin from 0.15%.
- [Swiss IBAN for International Students: Tuition Fees & Budget](https://www.ibani.com/en/education): International students: open your personal Swiss IBAN online. Save on tuition fees, rent and your budget while studying abroad, with no unnecessary banking fees.
- [Currency Exchange for Swiss Businesses: Spot Rates & Hedging](https://www.ibani.com/en/businesses): ibani brings you the best currency exchange on the market with the best rates, the lowest margin, no transfer fees and zero hidden costs.
- [ibani Rates 2026: Exchange Margin from 0.15%, Zero Hidden Fees](https://www.ibani.com/en/rates): ibani pricing: a sliding exchange margin from 0.40% to 0.15%, with no opening, account maintenance or transfer fees. Full transparency, no commitment.
- [How It Works: Currency Exchange & Personal Swiss IBAN](https://www.ibani.com/en/how-it-works): How does ibani work? In 5 steps: download the app, choose your currency pair, get a personal Swiss transit IBAN and exchange CHF-EUR at the best rate.
- [2026 Comparison: Where to get the best CHF/EUR exchange rate?](https://www.ibani.com/en/compare-exchange-rates): Avoid hidden bank fees! Discover our expert 2026 comparison of the best CHF/EUR exchange rates for cross-border workers, expats, and businesses.
- [Convert CHF to EUR — Swiss franc / euro live rate](https://www.ibani.com/en/currency-converter/chf-to-eur-rate): Convert Swiss francs (CHF) to euros (EUR) at the real interbank rate. Ideal for cross-border workers: repatriate your salary with a margin from 0.15%.
- [Guides & Resources for Expats in Switzerland](https://www.ibani.com/en/guides): The ultimate hub for expats & cross-border workers: 2026 Purchasing Power Study, Salaries, Taxes, TWINT, and Banking in Switzerland.
- [Help Center & FAQ: Currency Exchange Questions](https://www.ibani.com/en/support): Find all the answers to the frequently asked questions we get on how our online currency exchange with personal Swiss IBAN service works.
- [About ibani — Our story, our team, our status](https://www.ibani.com/en/about): ibani SA is a Swiss FinTech founded in Geneva in 2018. Our mission, our team and our status as a financial intermediary affiliated with the SRO SO-FIT.
- [Contact Support & Customer Service | ibani Geneva](https://www.ibani.com/en/contact): Our team is fully available to answer your questions by email, on the phone, on social networks or in person at our office.

## Expert guides
- [Job Opportunities in Switzerland 2026: Sectors, Jobs and Salaries](https://www.ibani.com/en/guides/jobs-demand-switzerland): Swiss Job Market Barometer 2026: Discover the sectors facing talent shortages, the Top 10 most in-demand jobs, and their median salaries.
- [Average Salary Switzerland 2026: Jobs, Cantons & Minimum Wage](https://www.ibani.com/en/guides/average-salary-switzerland): Swiss salary guide 2026: Average income by job, Geneva minimum wage (24.59 CHF/h), and net salary calculator for cross-border workers.
- [EUR/CHF Forecast: Euro at 0.9478, 2026 High](https://www.ibani.com/en/guides/chf-eur-exchange-rate-forecast): 30 September 2026 update: EUR/CHF at 0.9478, high of the year, after the US rejected Iran's Hormuz plan. What it means for a CHF 5,000 salary.
- [Opening a Swiss Bank Account in 2026: The Expert Guide](https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers): Cross-border worker or new resident: how to open a Swiss bank account in 2026. Non-resident fees, Swiss IBAN, required documents and 13 institutions compared.
- [Free bank account in Switzerland: the hidden costs](https://www.ibani.com/en/guides/free-bank-account-switzerland-hidden-costs): CHF 0 Swiss accounts in 2026 (neon, Zak, Yuh, UBS, ZKB…): what they charge elsewhere (exchange, withdrawals, conditions) and the real cost over a year, in figures.
- [Quasi-Resident Status in Switzerland: Pay Less Taxes](https://www.ibani.com/en/guides/quasi-resident-status-switzerland-taxes): Expert guide on quasi-resident status (TOU) in Switzerland. Calculate the 90% rule, discover all deductions (3a, mortgage interest), and avoid the pitfalls.
- [Cross-border worker taxes in Switzerland: who taxes you](https://www.ibani.com/en/guides/cross-border-worker-taxes-switzerland): Your canton of work and your country of residence decide which State taxes you: 8 cantons with no withholding for France, 40% teleworking (25% in Italy).
- [Swiss withholding tax codes 2026: A, B, C, H explained](https://www.ibani.com/en/guides/withholding-tax-tariff-codes-switzerland): Tariff A, B, C, H, the German codes L, M, N, P, Q or the Italian R to V: what the letter of your withholding tax code changes on your Swiss payslip.
- [Swiss LPP (2nd Pillar): 2026 Simulator, Taxation & Withdrawal](https://www.ibani.com/en/guides/swiss-lpp-2nd-pillar-simulator-withdrawal): Swiss LPP (BVG): calculate your capital with our interactive simulator. Coordination deduction rules, WEF and cross-border withdrawal taxation.
- [B2B Invoicing Switzerland - EU: VAT, Accounting and FX (2026)](https://www.ibani.com/en/guides/cross-border-b2b-invoicing-switzerland-eu): 2026 expert guide on cross-border invoicing between Switzerland and Europe. VAT rules, accounting entries, foreign exchange risk, and collection solutions.
- [Qonto Alternatives for a Swiss Company (2026)](https://www.ibani.com/en/guides/qonto-alternatives-swiss-company): Qonto only opens in eight countries, and Switzerland is not one of them. Capital deposit, Swiss IBAN, FX cost: what each alternative actually covers.
- [Multi-currency payroll: paying staff in their own money](https://www.ibani.com/en/guides/multi-currency-payroll-international-team): Can a Swiss company pay a salary in euros? What the Federal Supreme Court held, which minimum wage applies after conversion, and the four possible set-ups.
- [What does LAMal cover in France, Germany & Italy? The S1 Form](https://www.ibani.com/en/guides/lamal-health-coverage-france-germany-italy-s1-form): Discover what the Swiss health insurance (LAMal/KVG) actually covers for cross-border workers. Expert explanation of the S1 form, deductible, and local EU coverage.
- [CSG-CRDS for Cross-Border Workers 2026: Who Pays What](https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland): CSG-CRDS, the 8% health contribution, boxes 6DD and 8SH: what a Swiss cross-border worker living in France really pays on salary and assets in 2026.
- [Cross-Border Inheritance 2026: Swiss or Foreign Law?](https://www.ibani.com/en/guides/cross-border-inheritance-switzerland-which-law-applies): Death in Switzerland or abroad: which law governs the estate, which forced heirship rules apply, and who taxes what in France, Germany, Italy, Spain and Portugal.
- [Swiss Scholarships for International Students 2026](https://www.ibani.com/en/guides/scholarships-financial-aid-international-students-switzerland): ESKAS grants, EPFL and ETH Zurich fellowships, cantonal aid: who actually qualifies on a student permit, how much they pay in 2026 and when to apply.
- [UN operational rate of exchange: pay and expenses](https://www.ibani.com/en/guides/un-operational-rate-of-exchange-geneva): The UN rate is not a bank rate: it is set for a period and used to record everything. What it changes for a salary, an expense claim and a pension in Geneva.

## Legal
- [Our terms and conditions](https://www.ibani.com/en/terms-conditions): The following terms and conditions govern the rights and duties of each party related to the use of the services of ibani.
- [Our privacy policy](https://www.ibani.com/en/privacy-policy): The privacy policy of ibani details the usage and protection of user personal data.

## LLM context files
- [Full text of the expert guides](https://www.ibani.com/.well-known/llms-full-en.txt)
- [Reference file (French)](https://www.ibani.com/.well-known/llms.txt)
- [ai.txt](https://www.ibani.com/.well-known/ai.txt)