Brice DELHOME

Brice DELHOME

Head of Growth & Education Partnerships

Passionate about data and financial innovation, I lead the growth strategy at ibani.

My role is to bridge the gap between Swiss banking complexity and real user needs. With dual expertise in Digital Marketing and Finance, I specialize in international mobility issues.

Particularly committed to the Education sector, I work to simplify the arrival of international students in Switzerland by analyzing real costs (housing, tuition fees) to offer fair and transparent solutions.

Areas of Expertise

Fintech & Payments Student Mobility Data Analysis Swiss Economy

Publications & Analysis

Practical guides and market studies written by Brice.

13th month salary in Switzerland: why 'is it mandatory?' is the wrong question

Neither a bonus nor a gift: the 13th month salary is a payment schedule. What actually creates the entitlement, what pro rata changes when you leave, why 21 cantons tax it differently, and what December costs a cross-border worker.

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Automate your Swiss bills directly with your salary

Pay your health insurance or premiums directly in CHF from your salary. The expert tutorial to set up your bills on ibani with manual or automatic exchange.

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Average Salary Switzerland 2026: Jobs, Cantons & Minimum Wage

Swiss salary guide 2026: Average income by job, Geneva minimum wage (24.59 CHF/h), and net salary calculator for cross-border workers.

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Freelancing in Switzerland: you don't get to decide that you are self-employed

In Switzerland, self-employed status is granted by an OASI compensation office, not declared. The two CHF 100,000 thresholds, sole proprietorship versus GmbH, the rules when you live abroad, and how to get paid in francs.

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The Ultimate Guide for the New Swiss Cross-Border Worker (2026 Complete Edition)

G Permit, telework, LAMal vs CMU/GKV/SSN, cantonal taxation, family allowances and CHF/EUR exchange. Everything you need to succeed in your administrative transition and protect your purchasing power in 2026.

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Buying Foreign Currency for Companies: Strategies and Optimization

Expert analysis on B2B currency management, neutralizing opaque bank margins, and optimizing international transfer management.

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Buying Property in the Border Zone with a CHF Salary

How do French banks calculate your debt ratio with a Swiss salary? HCSF standards, bank haircuts, and currency optimization.

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Guide 2026: How to change currencies online | ibani

Discover our 2026 comparison: what is the best alternative to change your currencies online between a bank, a multi-currency account, and an intermediary like ibani?

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Changing health insurance (LAMal vs CMU/GKV/SSN): reopening the right of option

Unemployment, moving, retirement: the only status changes that reopen the right of option between LAMal and your national system, the 3-month deadline and the exact steps.

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EUR/CHF Forecast September 2026: The Euro Camps Below 0.9400

As of September 1, 2026, EUR/CHF stands at 0.9376. The 10 September ECB hike is locked in but already paid for, French budget risk caps the euro and the Swiss economy surprises a second time.

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USD/CHF Forecast September 2026: The Dollar Reclaims 0.80 Franc

As of September 1, 2026, the dollar is worth 0.8086 franc. Kevin Warsh's hawkish Jackson Hole speech put a US rate hike back on the table and erased the August 19 slide.

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From Student B Permit to Swiss Work Permit: The Guide

Discover how graduates from Swiss higher education institutions can obtain a work permit. EU/EFTA vs Third States differences and salary optimization.

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Setting up a business in Switzerland: The Expert Guide

Management, capital payment account, AHV status, and VAT: the definitive guide to launching your Swiss business avoiding pitfalls.

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Cross-border B2B Invoicing (CH-EU): Accounting and Tax Guide

Swiss and European SMEs: master cross-border VAT, your accounting entries, and the optimization of your multi-currency flows.

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Cross-Border Dividend Payments: Preserving Shareholder Capital

Expert analysis on managing the Swiss withholding tax (35%) and neutralizing bank exchange margins when distributing dividends internationally.

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Cross-Border Inheritance: Swiss Law or the Law of Your Country of Residence?

Habitual residence, choice of law, forced heirship, double taxation: how a Swiss estate really works when the family lives abroad.

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Cross-Border Overtime in Switzerland: LTr Guide 2026

Overtime vs excess working time (Überstunden/Überzeit), legal caps, telework and the 25% surcharge: the complete manual to secure and optimise your overtime.

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Study: The 'Swiss Shield' Protects Cross-Border Purchasing Power in 2026

+3.0% real gain: Discover the figures from our economic analysis on Swiss wages (UBS) and exchange rates.

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Cross-Border Telework: The 2026 Comparative Guide

France, Germany, Italy: Understanding the differences in tax rules and social security for Swiss employees.

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Cross-Border Worker & Self-Employment: Avoid Double Taxation (France, Germany, Italy)

The complete 2026 guide for cross-border workers combining a Swiss salary with freelance income in France, Germany or Italy. Tax treaties, Permit G and CHF/EUR cash flow covered.

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Cross-border deductions: have you thought of everything?

Childcare, home help, donations, overtime, alimony, school fees: the tax breaks cross-border workers in France, Germany and Italy leave on the table.

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Cross-Border Health Insurance 2025/2026: LAMal vs. Home Country | ibani

Should you choose Swiss health insurance (LAMal) or your home country's system (CMU, GKV, SSN)? Discover the pros, cons, and our multi-country cost simulator.

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The expat's administrative survival guide to Switzerland: your first 30 days

Residents' registration, B permit, rent deposit, bank account and LAMal: the day-by-day checklist (D-30 to D+90) to settle into Switzerland with peace of mind.

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Family Allowances for Cross-Border Workers (Switzerland vs France, Germany & Italy): 2026 Guide

Swiss cantonal amounts, priority rules and the differential top-up in France (CAF), Germany (Familienkasse) and Italy (INPS) — plus how to repatriate in euros without fees.

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Financing a foreign branch or subsidiary from Switzerland

Thin capitalization rules, withholding tax and FX optimization for Swiss SMEs financing a European or international subsidiary.

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How to Apply and Write your CV for Switzerland (2026) | ibani

Swiss application dossier: photo, nationality, employment certificates. Master Swiss recruitment codes with Brice DELHOME's expert guide.

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Geneva DRIS: how much your correction can pay back

Spouse in France, undeclared children, shared custody, two employers: the situations that make a correction essential, and the refund ranges to expect.

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Getting fired in Switzerland, what are your rights? | ibani

You are a cross-border worker in Switzerland and your employer just fired you? Know your rights and the procedure to follow.

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Getting married in Switzerland as a foreigner: the real procedure, from file to tax bracket

A preparatory procedure at the civil registry, proof of lawful residence, legalised documents, three months to celebrate, and a withholding tax bracket that changes from the following month: the full path in 2026.

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Hiring cross-border workers in Switzerland: the employer checklist

G permit, withholding tax across France, Germany and Italy, telework limits and payroll in euros: every employer obligation to hire a cross-border worker in 2026.

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The HKD does not move against the dollar. It lost 18% against the franc.

Anchored at 7.80 since 1983, bounded between 7.75 and 7.85 since 2005: the Hong Kong dollar has no exchange rate policy of its own. What the peg actually does to income, savings or invoices denominated in HKD when you live in Swiss francs.

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Hong Kong Profits Tax: the 2026 cash flow guide

Rates, territoriality, provisional tax, payment calendar and profit repatriation: what foreign companies must plan for in Hong Kong.

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How to easily calculate an exchange rate? | ibani

Master exchange rate calculations, understand the difference with the interbank rate and avoid hidden fees on your international transfers.

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Investing in Switzerland: The Complete and Analytical Guide

Stock market, real estate, precious metals, and exotic investments: discover the best Swiss investments and their taxation.

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Importing Your Vehicle to Switzerland: Taxes, Customs, and License Plates

Customs procedures (FOCBS), calculating VAT and automobile tax, and the process to obtain your Swiss license plates when relocating.

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The typical budget of an international student in Switzerland in 2026

Housing, tuition fees, health insurance: calculate your student budget in Switzerland and discover how to fund your studies without paying bank fees.

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Trading in Singapore: what derails a deal is almost never the contract

The cargo arrives before the documents, the letter of indemnity is capped neither in amount nor in time, and since 2020 banks no longer lend on good faith alone. The legal rules that decide the fate of a cargo.

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Internship contract and agreement in Switzerland: reading and signing your commitment (2026)

Tripartite agreement, employment contract under the Swiss Code of Obligations, mandatory clauses, probation period and termination: everything to understand before signing your internship in Switzerland.

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Freelance Invoicing in Switzerland: OASI Rules and VAT Exemption

Avoid disguised employment! Discover OASI (AHV) procedures, launching via payrolling, and obligations for under CHF 100,000 per year.

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The 2026 Swiss Job Opportunities Barometer

What are the jobs of the future in Switzerland? Analysis of sectors in shortage, the most sought-after profiles, and salary expectations.

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LAMal for Cross-Border Workers: Real Coverage in the EU and Switzerland

Total breakdown: S1 Form, Health Cards, Swiss Franchise, and Supplemental Insurance. How do your health reimbursements really work across the border?

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The life certificate: the form your Swiss pension depends on

Who has been exempt since 2022, who must still return it within 90 days, what the Swiss Compensation Office does if you forget, and why the 2nd pillar plays by its own rules.

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LPP and Foreign Workers: Employer Obligations (2026 Guide)

Expert 2026 guide for Swiss employers on LPP affiliation for foreign workers (Cross-border, G Permit, B Permit). Thresholds, contributions, and rules.

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EUR/CHF: Analysis of the factors influencing the exchange rate

What drives the Euro up or down against the Swiss Franc? A detailed analysis of economic fundamentals (PPP, Carry Trade, SNB).

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Maternity and Paternity Leave for Cross-Border Workers in Switzerland

Rights, duration, allowances: the complete guide to maternity and paternity leave for cross-border workers in Switzerland.

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Maximum AHV Pension (2,520 CHF): The Expert Guide for Future Retirees

Complete breakdown of the conditions (Scale 44, Average Annual Income, Splitting) to reach the AHV pension ceiling of 2,520 CHF and optimize its repatriation abroad.

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From Singapore to Switzerland: Visa-Free Work and Study Procedures

Detailed analysis of immigration formalities (visa exemption, quotas, residence permits) for Singaporean expats in Switzerland.

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Moving to Dubai: the complete 2026 guide

Residence visa, Emirates ID, health insurance, real budget, Swiss pension and OASI: every step to settle in the UAE and move your money there without losing on the exchange rate.

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Moving to Switzerland: The 2026 Customs and Administrative Checklist

B/L permits, KVG health insurance, cantonal taxes, customs registration (FOCBS), and exchange rate optimization to pay your rental guarantee.

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Moving to Switzerland with Pets: the 2026 Veterinary Rules Guide

Microchip, rabies vaccine, passport, customs and the AMICUS database: the complete checklist to settle your dog, cat or ferret in Switzerland without surprises.

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Relocating and Living in Switzerland: The Complete Guide

Moving, permits, cost of living, and financial management: discover our detailed guide for a successful expatriation to Switzerland.

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Simplify the reconciliation of your CHF and EUR invoices

The definitive guide to accounting codes (Swiss, French, German, Italian) to master exchange differences and multi-currency bank reconciliation.

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EUR/CHF Rate: Why the Mid-Month Myth is False

Data proves that the EUR/CHF exchange rate is not dictated by the payment of cross-border salaries. Explanations and optimization strategy.

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Guide to OASI: Old Age and Survivors' Insurance in Switzerland | ibani

Everything you need to know about OASI: Understand how the first pillar of Swiss retirement works and its benefits.

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Swiss 2nd pillar (OP) 2026: figures, pension and withdrawal | ibani

2026 Swiss occupational pension guide: entry threshold CHF 22,680, coordination deduction CHF 26,460, minimum interest rate 1.25%, conversion rate 6.8%. Pension or lump sum, withdrawal and cross-border taxation.

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A Hong Kong bank account: it all comes down to the ID card, not the bank

Hong Kong's eight digital banks open an account in two minutes, with no fees and no minimum balance — but only for HKID holders. What that means for an arriving expat, and the one thing none of them solves: the Swiss franc.

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Opening a Swiss Bank Account in 2026: The Expert Guide

Non-resident fees, Swiss IBAN, required documents: our 2026 comparison of 13 Swiss institutions and the alternatives for cross-border workers and residents.

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Swiss Student Bank Account: The 2026 Comparison

Which bank to choose when studying in Switzerland? Comparison of free offers (UBS me, Yuh, Neon) and solutions for cross-border students.

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How to Optimize Your Foreign Supplier Payments: Swiss SME Guide 2026

Hidden fees, exchange margins, SEPA/SWIFT rails: concrete solutions for Swiss SMEs to pay their international suppliers at the best rate.

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Paying Tuition Fees in Switzerland: The 2026 Guide

How to pay Swiss schools (EHL, EPFL, Glion) without breaking the bank on international fees.

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Qonto does not accept Swiss companies: what to use instead in 2026

The capital deposit account is reserved for institutions subject to the Swiss Banking Act. That rule, not the price, eliminates half the candidates.

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Quasi-Resident Status in Switzerland: The Complete Tax Guide

Cross-border workers taxed at source: recover part of your Swiss taxes through quasi-resident status and the Subsequent Ordinary Assessment (SOA).

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The Ultimate Guide to Renting an Apartment in Switzerland in 2026

Facing a saturated real estate market, your application must be flawless. Agencies, websites, students, deposits: here is the complete guide.

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Repatriating Funds from Singapore to Switzerland: The Legal and Financial Guide

Discover the official procedures (IRAS, MAS) and currency exchange solutions to repatriate your assets from Singapore to Switzerland without incurring hidden banking fees.

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Repatriate Profits from a European Subsidiary to Switzerland: Tax Guide 2026

Bilateral tax treaties, withholding tax, OECD transfer pricing and EUR/CHF management: the complete guide to optimising cash repatriation from EU subsidiary to Swiss parent.

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Leaving Hong Kong: what really delays your capital is not the exchange rate

Your final salary is frozen until the Letter of Release, your MPF can only be withdrawn once in a lifetime, and the Swiss franc is not cleared in Hong Kong. The exit calendar, the real transfer times and the AMLA framework on arrival.

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Swiss scholarships: who qualifies when you come from abroad?

Cantonal grants are closed to anyone who comes to Switzerland purely to study. Here are the six funding routes that stay open, with amounts and deadlines.

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Swiss Student Health Insurance: The 3,000 CHF Saving Tip

LAMal vs Swisscare/Scorestudies: The complete guide to paying less for health insurance legally.

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Doing a paid internship in Switzerland: the 2026 admin & financial guide

Permit, salary, LAMal, source tax and salary repatriation in CHF: the complete roadmap to succeed in your Swiss internship.

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Swiss Student Residences: The Deadlines Nobody Tells You About

Six to nine months of waiting in Lausanne, a portal that closes on 31 May in Geneva, no waiting list at all in Zurich: the real calendar of Swiss student residences, city by city.

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Swiss health insurance: the deductible break-even, in francs

The maximum legal rebate, the break-even point in francs and the worst-case loss for every LAMal deductible, plus the real calendar for switching.

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Swiss LPP (2nd Pillar): Operation, Simulator, and Expert Withdrawal

Discover how your Swiss pension fund works, simulate your future capital in real-time, and master withdrawal taxation.

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Swiss naturalisation: the steps to the red passport with the white cross

Ten years of residence, a C permit, B1 speaking, two to five years in the canton and a 12 to 36 month procedure: the real path to the Swiss passport in 2026.

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Understanding your Swiss payslip: a breakdown of the contributions (AVS, AI, APG)

5.30% for OASI/DI/LEC, 1.10% for unemployment insurance, an occupational pension charged on a coordinated salary: the line-by-line gap between your gross and your net in 2026.

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Swiss Retirement Abroad (Portugal, Spain): The 2026 Guide

Exporting your pension (AVS and LPP), understanding withholding tax, 2026 taxation in Portugal and Spain, LAMal and receiving your pensions in euros at the real rate.

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Swiss Real Estate Companies (SI): Taxation and Rental Yield Repatriation

Foreign investors: master withholding tax, double taxation, and eliminate exchange rate fees on your Swiss real estate yields.

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Swiss Rent Guarantee: Funding Your Deposit from Abroad

Solve the expat tenant paradox. Legal procedures (Art. 257e CO), surety companies, and transferring the deposit in CHF at the best rate.

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Swiss Residence and Work Permits: B, C, G, L Explained

The definitive 2026 guide to Swiss permits (B, C, G, L): rights, procedures, taxation and salary repatriation for cross-border workers and expats.

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Swiss salary certificate: the employer's guide

Form 11, sections 1 to 15, boxes F/G and withholding tax: how to produce your cross-border and expat employees' salary certificate without errors.

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Swiss Student Residence Permit (B and L): Procedures and Renewal

Discover all the steps to obtain your student residence permit in Switzerland, required documents, and how to optimize your financial transfers.

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Swiss G Permit: 2026 Updates and Complete Guide

Online procedures, 40 percent telework, credit card format: everything you need to know to get your Swiss G work permit in 2026.

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Swiss workplace etiquette: the unwritten rules of business culture in Switzerland

Arrive five minutes early, use the formal address until invited otherwise, never discuss salary: the codes that decide how well you settle into a Swiss company.

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Understanding the Swiss Three Pillars Retirement System (2026 Guide) | ibani

Explore Switzerland's unique retirement system. 2026 updated AVS/AI amounts, 13th AVS payment, LPP contributions, and tax strategies for cross-border workers.

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Transferring Your Swiss Salary Abroad: The Expert Guide (2026)

Swiss IBAN, hidden fees, spread, and SEPA transfers. The definitive guide to stop losing money on your cross-border salary transfer.

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Guide to Transport in Geneva 2026: Optimize Your Commute | ibani

Cross-border worker or newcomer to Geneva? Discover the transport solutions to ease your cross-border and local commute.

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Getting TWINT without a Swiss address: The 2026 Survival Guide

The end of TWINT Prepaid forces cross-border workers to find alternatives. Complete guide on Yuh, Yapeal, and optimizing exchange fees.

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Vested benefits account: which solution to choose in 2026?

0.05% at the supplementary institution, up to 0.50% at a bank, securities foundations below 0.50% in fees: what each solution really costs and returns.

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Withdrawing your 2nd Pillar (BVG) to buy real estate abroad

Cross-border workers and expats: discover how to use your Swiss retirement capital to finance your primary residence abroad, without losing money on exchange rates.

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Withholding tax: what does the letter of your code mean?

A, B, C, H, plus the codes L, M, N, P, Q and R to V reserved for cross-border workers from Germany and Italy: what each letter really changes.

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Working in two Swiss cantons: which tax rules apply in 2026?

Cross-border worker or resident working in two cantons (Geneva, Vaud, Zurich, Ticino): withholding tax, global rate and centralising multiple salaries.

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Yuh Alternatives for Cross-Border Workers in 2026: The Complete Guide

Yuh no longer opens accounts for cross-border workers. A comparison of the alternatives and the ibani solution for a free personal Swiss IBAN.

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