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.

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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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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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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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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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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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 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 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 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 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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Student Jobs & Internships in Switzerland: The 2026 Guide

Salaries, B Permit, 6-month rule: Everything you need to know to work during your studies in Switzerland.

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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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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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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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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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How to optimize your foreign supplier payments

Hidden fees, exchange margins: solutions for Swiss companies to pay their international suppliers at the best rate.

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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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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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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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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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Moving to Switzerland: The comprehensive 2026 administrative checklist

Permit B/L, LAMal insurance, cantonal taxes, customs registration, and optimizing the exchange rate to pay your rental deposit.

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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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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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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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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 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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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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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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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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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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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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Family Allowances (Switzerland vs France): The 2026 Cross-Border Guide

Cantonal amounts, E411 form, CAF rules, and repatriation of the Differential Allowance (ADI) without exchange fees.

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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 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 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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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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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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EUR/CHF Forecast 2026: The Franc under 0.92, a boon for cross-border workers

Late March 2026 Update: The EUR/CHF rate consolidates around 0.915. Discover the geopolitical impact on your cross-border Swiss salary.

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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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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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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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