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.

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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Swiss Cross-Border Worker 2026: The Expert Guide (12 Steps)

Telework limits, G Permit, Health Insurance, Taxes, Unemployment, and FX. The ultimate 2026 guide for cross-border workers in France, Germany, and Italy.

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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 July 2026: Swiss Franc Anchored Below Parity

As of July 1, 2026, EUR/CHF hovers around 0.9155. SNB/ECB macroeconomic divergences and exchange optimization for cross-border workers.

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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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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 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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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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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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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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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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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 (2,450 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 2,450 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 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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Opening a Swiss Bank Account in 2026: The Expert Guide

Avoid abusive non-resident fees. Our 2026 comparison to help you choose the best Swiss banking solution for your profile.

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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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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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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 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 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 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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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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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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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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