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
Publications & Analysis
Practical guides and market studies written by Brice.
EUR/CHF Forecast October 2026: Euro Climbs Back to 0.9311 After Its Fall of 2 October
As of October 5, 2026, EUR/CHF climbs back to 0.9311 (+0.3%) at the ECB reference rate, after losing 1.7% on 2 October. The yield spread between French and Ger…
Read articleLPP buy-in: when it pays off, and when it yields little
In our example (marginal tax rate of 30%), a buy-in of CHF 50,000 yields the equivalent of almost 11% a year if it is withdrawn after three years, and around 3…
Read articleGBP/CHF Forecast: The Pound Falls Back Against the Franc After Its 2026 High (October 2026)
As of 2 October 2026, the pound sterling is worth 1.0912 francs, down 1.3% on the session, two days after its high for the year at 1.1090. The Bank of England…
Read articleUSD/CHF Forecast (October 2026): The Dollar Falls Back to 0.8266 Franc
As of October 2, 2026, the dollar is worth 0.8266 franc, down 1.0% from the previous day's reference rate, which marked its highest since May 2025. The US Sept…
Read articleNon-return days: how many nights away from home without losing cross-border worker status?
One night too many does not cost one day of tax: it changes the tax treatment of the whole year. The French, German and Italian caps, and how to count them.
Read articleInvesting in Switzerland: The Complete and Analytical Guide
Stock market, real estate, precious metals, and exotic investments: discover the main Swiss investments and their taxation.
Read articleWithholding tax: what a Swiss employer has to do
Withhold, certify, report: the employer's three obligations, canton-by-canton deadlines, the collection commission and liability when things go wrong.
Read article5 mistakes new Swiss cross-border workers make: the deadlines that lapse | ibani
Three months for the right of option, 31 March for the tax correction, 40% telework (25% for Italy), 1,500 euros per undeclared account: the five mistakes and…
Read articleAutomate 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.
Read articleAverage 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.
Read articleThe Ultimate Guide for the New Swiss Cross-Border Worker (2026 Complete Edition)
G Permit, telework, LAMal vs PUMa/GKV/SSN, cantonal taxation, family allowances and CHF/EUR exchange. Everything you need to succeed in your administrative tra…
Read articleInvesting in a rental property abroad when you live in Switzerland: tax, financing and currency exchange
Rent is taxed in the country where the property is located; Switzerland uses it to set your rate. The 2026 comparison of France, Spain, Portugal, Italy and Ger…
Read articleBuying Foreign Currency for Companies: Strategies and Optimization
Expert analysis on B2B currency management, neutralizing opaque bank margins, and optimizing international transfer management.
Read articleBuying 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.
Read articleGuide 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…
Read articleChanging 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…
Read articleFrom 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.
Read articleSetting 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.
Read articleCross-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.
Read articleCross-Border Dividend Payments: Preserving Shareholder Capital
Expert analysis on managing the Swiss withholding tax (35%) and reducing bank exchange margins when distributing dividends internationally.
Read articleCross-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.
Read articleCross-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.
Read articleStudy: The 'Swiss Shield' Protects Cross-Border Purchasing Power in 2026
+2.8% estimated gain: Discover the figures from our economic analysis on Swiss wages (UBS) and exchange rates.
Read articleCross-Border Telework: The 2026 Comparative Guide
France, Germany, Italy: Understanding the differences in tax rules and social security for Swiss employees.
Read articleCross-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…
Read articleCross-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.
Read articleCross-border worker taxes in Switzerland: who taxes you | ibani
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).
Read articleCross-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.
Read articleThe 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.
Read articleFamily 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…
Read articleFinancing a foreign branch or subsidiary from Switzerland
Intercompany loans, FTA safe harbour rates and FX optimization for Swiss SMEs financing a European or international subsidiary.
Read articleHow 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.
Read articleGeneva 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.
Read articleGetting 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.
Read articleGetting 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 ch…
Read articleHiring 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 20…
Read articleThe 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…
Read articleHong 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.
Read articleHow 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.
Read articleImporting 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.
Read articleThe 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 reduce the exchange costs of your transfers.
Read articleTrading 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 alon…
Read articleInternship 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 be…
Read articleFreelance 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.
Read articleThe 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.
Read articleLAMal for Cross-Border Workers: Real Coverage in the EU and Switzerland
Total breakdown: S1 Form, Health Cards, Swiss Deductible, and Supplemental Insurance. How do your health reimbursements really work across the border?
Read articleLeaving Switzerland: the 2026 departure checklist
Your 2nd pillar may not follow you, your OASI contributions will not be refunded, and your C permit can outlive your departure by four years. The timeline, fro…
Read articleThe 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…
Read articleLocking your exchange rate in 2026: the real maths | ibani
A forward rate is not a forecast: it follows from the ECB 2.50% / SNB 0.00% rate gap. Full calculation, break-even at 0.9220 and the hidden margin.
Read articleLPP 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.
Read articleEUR/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).
Read articleMaternity 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.
Read articleMaximum 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 a…
Read articleFrom Singapore to Switzerland: Visa-Free Work and Study Procedures
Detailed analysis of immigration formalities (visa exemption, quotas, residence permits) for Singaporean expats in Switzerland.
Read articleMoving 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 while limiting th…
Read articleMoving 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.
Read articleMoving 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.
Read articleRelocating 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.
Read articleSimplify the reconciliation of your CHF and EUR invoices
A guide to accounting codes (Swiss, French and German) to master exchange differences and multi-currency bank reconciliation.
Read articleMulti-currency payroll from Switzerland: what the law allows
Paying in another currency is lawful. What costs money is the outcome: one company had to pay 18,881 francs in arrears over a conversion clause held void.
Read articleEUR/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.
Read articleSwiss 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%. Pensio…
Read articleA 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 arrivin…
Read articleOpening 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.
Read articleSwiss 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.
Read articleHow 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 while reducing the exchange margin.
Read articlePaying Tuition Fees in Switzerland: The 2026 Guide
How to pay Swiss schools (EHL, EPFL, Glion) without breaking the bank on international fees.
Read articleQuasi-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 (TOU).
Read articleResigning in Switzerland: the notice rule that costs a month | ibani
Notice expires at the end of a month: one day late moves your departure by a whole month. Periods by seniority, benefits by country, second pillar and G permit.
Read articleThe 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.
Read articleRepatriating Funds from Singapore to Switzerland: The Legal and Financial Guide
Discover the official procedures (IRAS, CPF Board) and currency exchange solutions to repatriate your assets from Singapore to Switzerland without incurring hi…
Read articleRepatriate 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…
Read articleLeaving 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. Th…
Read articleSwiss 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.
Read articleSwiss Student Health Insurance: The 3,000 CHF Saving Tip
LAMal vs Swisscare/Scorestudies: The complete guide to paying less for health insurance legally.
Read articleDoing 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.
Read articleSwiss 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 resid…
Read articleSwiss 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.
Read articleSwiss 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.
Read articleSwiss 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.
Read articleUnderstanding 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 y…
Read articleSwiss Retirement Abroad (Portugal, Spain): The 2026 Guide
Exporting your pension (AVS and LPP), understanding withholding tax, 2026 taxation in Portugal and Spain, LAMal and converting your pensions into euros at the…
Read articleSwiss Real Estate Companies (SI): Taxation and Rental Yield Repatriation
Foreign investors: master withholding tax, double taxation, and reduce the exchange cost on your Swiss real estate yields.
Read articleSwiss 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 a rate close to the interbank rate.
Read articleSwiss 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.
Read articleSwiss 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.
Read articleSwiss 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.
Read articleSwiss G Permit: 2026 Updates and Complete Guide
Online procedures, telework thresholds, credit card format: everything you need to know to get your Swiss G work permit in 2026.
Read articleSwiss 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.
Read articleUnderstanding 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.
Read articleTransferring Your Swiss Salary Abroad: The Expert Guide (2026)
Swiss IBAN, hidden fees, spread, and SEPA transfers. The guide to reducing the cost of your cross-border salary transfer.
Read articleGuide 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.
Read articleGetting TWINT without a Swiss address: The 2026 Survival Guide
The end of TWINT Prepaid forces cross-border workers to find alternatives. Where Yuh and Yapeal stand, and how to limit exchange fees.
Read articleThe UN operational rate of exchange, explained
An accounting rate set for a period and used to record every United Nations transaction. What it changes for your pay in Geneva.
Read articleVested 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.
Read articleWithdrawing 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, while limiting the cost of currenc…
Read articleWithholding 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.
Read articleWorking 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.
Read articleYuh 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.
Read articleGuide 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.
Read articleFree bank account in Switzerland: what you really pay
CHF 0 in account fees, but up to 2% per foreign-currency payment (more on small amounts), charged withdrawals and residence conditions.
Read articleWealth tax in Switzerland: what is taxed, where, and what you declare
A cantonal tax most countries no longer have: who pays it, on which assets, how a euro account or a property abroad enters the calculation, and the real gap be…
Read articleANobAG: working in Switzerland for a foreign employer
Your employer has no place of business in Switzerland: the duty to pay contributions falls to you, and you pay both shares. What that really changes.
Read articleAccident, long sick leave and disability for cross-border workers
Accident insurance pays 80% from the 3rd day. Sickness has no compulsory cover at all — and the IV cannot pay anything for 18 months. What that really costs.
Read articleCSG-CRDS and health contributions for cross-border workers in 2026
Your Swiss salary escapes CSG-CRDS, but it comes back through your French rental income. And the 8% contribution is not calculated on your reference tax income.
Read articleQonto 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.
Read articleFreelancing 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,…
Read article13th 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 ca…
Read articleA question about our education partnerships or our analysis?
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