---
title: "Manage your currencies without overpaying on exchange"
url: https://www.ibani.com/en/businesses/currency-management
lang: en
---

For international businesses

# Manage your currencies without overpaying on exchange

Does your treasury juggle CHF, EUR, USD or GBP? ibani gives you full control over your FX operations: automate your conversions and cut your FX costs by up to 10x — without changing a thing in your banking processes.

Thank you! You will receive an SMS with the link to download the ibani app.

✔ Free account opening  ·  ✔ No fixed fees  ·  ✔ Affiliated with SO-FIT (OAR)

## What your bank is really costing you

On regular currency operations, hidden bank margins add up to thousands of francs per year. Here is an honest comparison.

|  | Traditional bank | ibani |
| --- | --- | --- |
| **Exchange margin**
applied on every conversion | 1.5% – 3.5% | max. 0.4% |
| **Fixed fees per transfer**
SWIFT, processing, intermediary | CHF 5 – 40 | CHF 0 |
| **Manual / automatic exchange**
choose when to convert | ✗ Not available | ✔ Included |
| **Dedicated named IBANs**
one IBAN per exchange route | ✗ Not available | ✔ Unlimited |
| **Account opening / maintenance fees** | CHF 0 – 200 / year | CHF 0 |

[See the full comparison](https://www.ibani.com/en/compare-exchange-rates)

## Everything your treasury needs

A tool designed to simplify multi-currency management for SMEs and large international businesses, with no operational friction.

🏦

### Named Swiss IBANs

A unique Swiss IBAN per exchange route (supplier, subsidiary, destination account). You transfer from your bank as usual — ibani handles the rest.

⚡

### Automatic or manual exchange

By default, each incoming transfer triggers an immediate conversion. Switch to manual mode to hold funds until the rate suits you (max. 30 days).

🌍

### Unlimited multi-currency

EUR, USD, GBP, CAD, SGD and more on request. Create as many routes as you need. Manage all your currencies from a single interface.

📋

### History & reporting

Access all your past transactions and export them for your accounting or ERP. Every transaction is time-stamped and documented.

🔔

### Real-time notifications

Get alerted at every step: funds received, converted, sent. Stay on top of every operation without having to monitor your account constantly.

🔄

### Account-to-account & payroll

Transfer between your accounts in Switzerland and abroad, or pay cross-border employees directly in euros. One tool for all your currency flows.

## An interface built for finance managers

Manage all your currency operations from the ibani mobile app or your browser. Everything is visible, everything is traceable.

![ibani transaction history](https://www.ibani.com/images/app-activity-screen-en.svg)

Full history

![ibani currency management dashboard for businesses](https://www.ibani.com/images/app-dashboard-screen-en.svg)

Dashboard

![ibani manual or automatic exchange management](https://www.ibani.com/images/app-exchange-management-screen-en.svg)

Exchange management

[Discover the app](https://www.ibani.com/en/app)

## 7 years of FX expertise for international businesses

ibani SA is no newcomer. We have been managing currency operations for businesses since 2018, within a Swiss compliance framework (AMLA).

35,000+

active clients

CHF 1bn+

successfully processed

2018

Founded in Geneva

### Financial intermediary affiliated with SO-FIT and audited for its activity

ibani SA is affiliated with [SO-FIT](https://so-fit.ch/), a self-regulatory organisation recognised by [FINMA](https://www.finma.ch/en/authorisation/self-regulatory-organisations-sros/search-sro-members/). Your treasury is entrusted to a financial intermediary within the meaning of art. 2 para. 3 AMLA, bound by the due diligence obligations of the Anti-Money Laundering Act.

[![SO-FIT Logo](https://www.ibani.com/images/sofit.svg)](https://so-fit.ch/)

They talk about us

[![L'Agefi Logo](https://www.ibani.com/images/logo-agefi.svg)](https://www.agefi.com)

[![Bilan Logo](https://www.ibani.com/images/logo-bilan.svg)](https://www.bilan.ch)

[![Le Temps Logo](https://www.ibani.com/images/logo-le-temps.svg)](https://www.letemps.ch)

[![24 Heures Logo](https://www.ibani.com/images/logo-24heures.svg)](https://www.24heures.ch)

[![Startupticker Logo](https://www.ibani.com/images/logo-startupticker.svg)](https://www.startupticker.ch)

## Finance managers' frequently asked questions

No. ibani IBANs are transfer routes, not bank accounts. They do not represent company assets and do not need to be declared in your balance sheet. Only funds in transit pass through them briefly.

As many as you like, with no limit and no extra charge. Each route corresponds to a unique ibani IBAN: one per supplier, one per subsidiary, one per currency — you decide the level of granularity.

A commercial register extract, a valid ID for the beneficial owner(s) (shareholders holding more than 25%), and some information about your business activity. Full onboarding is done online or by email according to your preference.

Our service is designed to work without any technical integration: you use your existing tools to issue transfers, and ibani acts as a transparent exchange layer. For advanced integration needs, [contact our team](https://www.ibani.com/en/contact) — we assess each case individually.

## Ready to take back control of your FX costs?

Join over 35,000 clients who trust ibani for their currency operations. Free account opening, no commitment, in under 10 minutes.

[Talk to an advisor](https://www.ibani.com/en/contact) [See our rates](https://www.ibani.com/en/rates)

✔ No opening fees  ·  ✔ Affiliated with SO-FIT (OAR)  ·  ✔ Team based in Geneva