--- title: "We make borderless money simple and transparent." url: https://www.ibani.com/en/about lang: en --- An independent Swiss FinTech since 2018 # We make borderless money simple and transparent. ibani is a Geneva-based FinTech company founded by a team from finance, management and IT. Our mission fits in one sentence: **saving you time and money** on your transfers between currencies. [Open my free account](https://www.ibani.com/en/app) Meet the team **2018** Founded in Geneva **35,000+** Active clients **CHF 1bn+** Processed since 2018 ibani at a glance Legal name ibani SA Incorporated 7 March 2018, Geneva Company ID CHE-277.571.965 Offices Rue du Prince 10 1204 Geneva, Switzerland Status Financial intermediary affiliated with [SO-FIT](https://so-fit.ch/) (SRO)\* Currencies CHF · EUR · USD · GBP CAD · SGD · NOK · SEK NZD · HKD · JPY · TRY Our public entry can be consulted on [Zefix](https://www.zefix.ch/en/search/entity/list/firm/1341099?name=ibani%2520SA&searchType=exact), the Swiss Confederation's central business name index. **35,000+ clients** Individuals & businesses **CHF 1 billion+** Processed since 2018 **100% Swiss** Team and data in Geneva **4.7/5 · Excellent** From 2,000+ client reviews [![SO-FIT logo](https://www.ibani.com/images/sofit-light.svg) Affiliated with SO-FIT (SRO)\*](https://so-fit.ch/) Our reason for being ## Currency exchange was a black box. We opened it. The ibani story starts with a simple observation. Whatever your bank, there is generally no way of knowing, **before** sending money abroad, at what real rate it will be converted nor what fees will be taken along the way. The result: opaque fees, set unilaterally, and paid by the client with no way to compare them. So we looked for the simplest way to work around this problem, without having to change bank or habits. That is how our **exchange IBAN** was born: a personal Swiss transit account that converts your funds at the best possible rate, automatically, on every incoming transfer. [How it works →](https://www.ibani.com/en/how-it-works) ![Diagram of the ibani exchange system: a Swiss transit IBAN that converts currencies automatically](https://www.ibani.com/images/ibani-transfer.svg) Our journey ## Seven years building a credible alternative. No spectacular fundraising, no promise we cannot keep: a Swiss company with a sound business model, growing alongside its clients since 2018. Today, ibani serves cross-border workers as well as SMEs, fiduciaries, expats and international students. [For individuals](https://www.ibani.com/en/personal) [For businesses](https://www.ibani.com/en/businesses) ### 2018 · ibani SA is born Registered in the Geneva commercial register on 7 March 2018, and shortly afterwards granted the status of financial intermediary affiliated with a self-regulatory organisation. ### The personal exchange IBAN We launch the Swiss transit account in your own name: no transfer reference needed, the exchange triggers itself as soon as the funds arrive. ### The mobile app and Swiss bills iOS and Android apps, payment of Swiss bills (health insurance, 3rd pillar, insurance) straight from your salary, standing orders and manual exchange. ### Today · 12 currencies, 35,000 clients CHF, EUR, USD, GBP, CAD, SGD, NOK, SEK, NZD, HKD, JPY and TRY, more than one billion francs processed, a 4.7/5 rating and a team that still answers from Geneva. Our commitments ## Three principles, never negotiated. ### Transparency first The applied rate and the exact margin are shown before you confirm. No fees hidden inside the rate, no surprise on your statement. ### Swiss rigour Our compliance and anti-money-laundering processes are audited for our activity. Your data is hosted in Switzerland. ### A human on the line No voice menu, no bot: a Geneva-based team, reachable Monday to Friday, who knows your file and answers you personally. The team ## The faces behind ibani. A small, multidisciplinary team — finance, operations, compliance, technology and marketing — gathered in our Geneva offices. ![Portrait of Arnaud Salomon, CEO and founder of ibani](https://www.ibani.com/images/arnaud-salomon.png) Arnaud Salomon CEO and founder ![Portrait of Grégory Falk, COO & CCO of ibani](https://www.ibani.com/images/gregory-falk.png) Grégory Falk COO & CCO ![Portrait of Diana Gunduz, Head of Operations at ibani](https://www.ibani.com/images/diana-gunduz.png) Diana Gunduz Head of Operations ![Portrait of Anthony Gourraud, Head of IT at ibani](https://www.ibani.com/images/anthony.jpg) Anthony Gourraud Head of IT ![Portrait of Yann Gerardi, Head of Marketing at ibani](https://www.ibani.com/images/yann-gerardi-2.png) Yann Gerardi Head of Marketing ![Portrait of Brice DELHOME, Head of Growth & Education Partnerships at ibani](https://www.ibani.com/images/brice-delhome.jpg) [Brice DELHOME](https://www.ibani.com/en/author/brice-delhome) Head of Growth & Education Partnerships ![Portrait of Dilara Yerlikaya, Head of Compliance and Support at ibani](https://www.ibani.com/images/dilara.jpg) Dilara Yerlikaya Head of Compliance and Support ![Portrait of Feriane Saib, Head of Compliance and Support at ibani](https://www.ibani.com/images/feriane.jpg) Feriane Saib Head of Compliance and Support [Write to us →](https://www.ibani.com/en/contact) ![Illustration of ibani services for Swiss businesses](https://www.ibani.com/images/business-ibani.svg) The company ## ibani SA, a Geneva public limited company. ibani is a brand operated by **ibani SA**, a Swiss public limited company registered in the commercial register of the canton of Geneva on **7 March 2018**, under company identification number **CHE-277.571.965**. You can freely consult our entry on [Zefix](https://www.zefix.ch/en/search/entity/list/firm/1341099?name=ibani%2520SA&searchType=exact), the Swiss Confederation's central business name index. Our offices are at Rue du Prince 10, 1204 Geneva. We welcome visitors by appointment: [get in touch](https://www.ibani.com/en/contact) and we will find a slot. As featured in [![Tribune de Genève](https://www.ibani.com/images/logo-tribune-de-geneve.svg)](https://www.tdg.ch/economie/argentfinances/Il-casse-les-prix-des-operations-de-change-et-de-transfert/story/14533161)[![Agefi](https://www.ibani.com/images/logo-agefi.svg)](https://agefi.com/actualites/entreprises/la-fintech-ibani-veut-simposer-dans-le-change-de-devises-en-ligne)[![Le Dauphiné Libéré](https://www.ibani.com/images/logo-le-dauphine.svg)](https://www.ledauphine.com/haute-savoie/2018/10/19/ibani-la-start-up-qui-va-casser-les-frais-de-change-des-frontaliers)[![24 Heures](https://www.ibani.com/images/logo-24heures.svg)](https://www.ibani.com/images/ibani-24heures.pdf)[![Le Temps](https://www.ibani.com/images/logo-le-temps.svg)](https://www.letemps.ch/economie/fintech-smex-veut-faciliter-vie-frontaliers)[![RTS La Première](https://www.ibani.com/images/logorts-la-premiere.svg)](https://www.rts.ch/audio-podcast/2018/audio/arnaud-salomon-et-sebastien-fanti-se-rencontrent-pour-la-premiere-fois-25570202.html)[![Léman Bleu](https://www.ibani.com/images/logo-leman-bleu.svg)](http://www.lemanbleu.ch/replay/video.html?VideoID=36906)[![Startupticker](https://www.ibani.com/images/logo-startupticker.svg)](https://www.startupticker.ch/en/news/february-2018/making-currency-exchange-cheaper-and-bank-transfers-easier)[![Investir.ch](https://www.ibani.com/images/logo-investir-ch.png)](https://www.investir.ch/article/fintech-genevoise-ibani-lance-application-mobile-change-de-devises/) Our partners [![HUB612](https://www.ibani.com/images/hub612.svg)](https://www.hub612.com/)[![Caisse d'Épargne Rhône-Alpes](https://www.ibani.com/images/caisse-epargne-rhone-alpes.svg)](https://www.caisse-epargne.fr/rhone-alpes/particuliers)[![Raiffeisen](https://www.ibani.com/images/raiffeisen.svg)](https://www.raiffeisen.ch/geneve/fr.html)[![Swiss FinTech Association](https://www.ibani.com/images/swiss-finance-technology-association-logo.png)](https://swissfinte.ch)[![Fusion Partners](https://www.ibani.com/images/fusion-partners.svg)](https://www.fusionpartners.ch/)[![SO-FIT](https://www.ibani.com/images/sofit.svg)](https://so-fit.ch/) Frequently asked questions ## Everything about the ibani company Who we are, where we are, and how we make a living. ibani is the brand of ibani SA, a Swiss public limited company founded in Geneva in 2018 by Arnaud Salomon. The Geneva-based team brings together backgrounds in finance, management, compliance and IT. You can meet each member higher up on this page. No. ibani SA is not a bank and offers neither credit nor deposit accounts. It is a Swiss financial intermediary specialising in currency exchange and payment traffic: your ibani IBAN is a personal transit account dedicated to exchange and transfer. [Understand how it works](https://www.ibani.com/en/how-it-works). Our offices are at Rue du Prince 10, 1204 Geneva, Switzerland. The support team answers by phone on [+41 22 512 00 56](tel:+41225120056) from Monday to Friday, 9am to 6pm, and by [e-mail](https://www.ibani.com/en/contact). ibani SA has been registered in the commercial register of the canton of Geneva since 7 March 2018, under company identification number CHE-277.571.965. The entry can be viewed publicly on [Zefix](https://www.zefix.ch/en/search/entity/list/firm/1341099?name=ibani%2520SA&searchType=exact), the Swiss Confederation's central business name index. ibani applies a tiered margin from 0.40% to 0.15% on the interbank exchange rate, displayed before every operation. There are no account opening, maintenance, closing or SEPA transfer fees: the exchange margin is our only source of revenue. Full details on the [Pricing](https://www.ibani.com/en/rates) page. Yes. ibani SA is affiliated with [SO-FIT](https://so-fit.ch/) as a financial intermediary within the meaning of article 2 para. 3 of the Anti-Money Laundering Act (AMLA). SO-FIT is a self-regulatory organisation recognised by the Swiss Financial Market Supervisory Authority ([FINMA](https://www.finma.ch/en/authorisation/self-regulatory-organisations-sros/sro-member-search/)). [See all questions →](https://www.ibani.com/en/support) ## A Swiss FinTech, a team you can reach. Opening an account is free, 100% digital and takes only 5 minutes. And if you would rather speak to someone, we pick up. [OPEN A FREE ACCOUNT](https://www.ibani.com/en/app) [Talk to an adviser](https://www.ibani.com/en/contact) ✓ Zero opening fees  ·  ✓ Affiliated with SO-FIT (SRO)  ·  ✓ Data hosted in Switzerland [![SO-FIT logo](https://www.ibani.com/images/sofit-light.svg)](https://so-fit.ch/) ## Swiss financial intermediary subject to the AMLA regulatory framework Your money is handled with the highest regulatory rigour. ibani SA is a Swiss FinTech company established since 2018 in the heart of Geneva, Switzerland. We are a financial intermediary audited for its activity. ibani SA is affiliated with [SO-FIT](https://so-fit.ch/) as a financial intermediary. SO-FIT is a self-regulatory organisation (SRO) approved by the Swiss Financial Market Supervisory Authority ([FINMA](https://www.finma.ch/en/authorisation/self-regulatory-organisations-sros/sro-member-search/)) for the supervision of the financial intermediaries referred to in Article 2 para. 3 of the Swiss Federal Act on Combating Money Laundering and Terrorist Financing in the Financial Sector (Anti-Money Laundering Act, AMLA).