For Freelancers and Sole Proprietorships

The Currency Solution for Swiss and International Freelancers

Whether you are based in Switzerland billing internationally, or abroad billing Swiss clients, ibani covers all your needs. Collect your fees in CHF, EUR, USD, GBP, CAD, or SGD using local bank details and preserve the full value of your work, with absolutely no fixed monthly fees.

✔ 100% Free Registration · ✔ No Subscription · ✔ Local Support in Geneva

Don't let bank fees eat away your hard-earned income

As a freelancer, every transaction counts. Traditional banks often impose fixed fees that are unsuited to freelance volumes, coupled with opaque exchange margins on international transfers.

	Classic Pro Account	ibani for Freelancers
Exchange Margin applied on your collected invoices	1.5% – 3.0%	max. 0.4%
Fees per foreign funds received receiving fees or SWIFT correspondent charges	CHF 10 – 25	CHF 0
Control over exchange timing Wait for a favorable rate before converting	✗ Forced immediate conversion	✔ Feature included
Multi-currency named IBANs to facilitate local payment by your clients	✗ Paid foreign currency accounts	✔ Included, unlimited
Monthly account maintenance fees	CHF 5 – 15 / month	CHF 0

Simulate your own operations

All currencies, all scenarios covered

Whether your clients are local or international, ibani provides the tools you need to streamline your collections and payments in major currencies (CHF, EUR, USD, GBP, CAD, SGD).

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You are abroad and bill in Switzerland

Provide your Swiss clients with a CH IBAN so they can pay you in francs (CHF). ibani then converts your fees and transfers them to your local bank account (in EUR, GBP, USD...), saving you from hefty international receiving fees.

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You are in Switzerland and bill internationally

Provide a named IBAN to your European or American clients. They pay you in their local currency (EUR, USD, GBP, CAD, SGD) via a simple domestic transfer. We convert the funds to CHF at the best rate and send them to your main account.

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Paying subcontractors and licenses

Do you collaborate with other freelancers abroad or use SaaS software billed in foreign currencies? Pay your foreign currency invoices directly from ibani with fair exchange rates and no hidden margins.

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Clear Accounting

No more headaches reconciling accounts with unknown exchange rates. Export your detailed transactions to easily pass them on to your accountant or integrate them into your billing software.

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Zero inactivity fees

Does your business volume fluctuate from month to month? No problem. With ibani, if there are no transactions, there are no fees. You only pay when you use the service, perfectly suited to a freelancer's pace.

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Guaranteed Security

Your revenue is safe. All funds flow through deposit accounts in Switzerland, and conversions are executed swiftly to preserve your cash flow and keep your business running smoothly.

Your exchange office in your pocket

Track your incoming payments and manage your conversions wherever you are. The ibani app adapts to the mobility and requirements of independent professionals.

Transaction History

Global Dashboard

Exchange Control

Discover the App

A solid and transparent financial institution

Since 2018, ibani has enabled Swiss freelancers and small businesses to expand internationally without monetary barriers. We are a Swiss company, subject to FINMA regulations.

35,000+

convinced users

1+ Billion

in exchanged funds

7 Years

FX expertise in Switzerland

Regulated and Audited Financial Intermediary

As a Geneva-based financial intermediary, ibani SA is affiliated with SO-FIT, a self-regulatory organization recognized by the Swiss Financial Market Supervisory Authority (FINMA). The fruits of your labor are handled according to the strictest security standards.

Recognized by the financial press

Frequently Asked Questions by Freelancers

No, it is not mandatory. ibani caters perfectly well to individual freelancers and Sole Proprietorships. You can open a business account using your freelance status to enjoy all of our exchange and collection benefits.

Absolutely. If you are a self-employed worker based abroad (in France, Germany, the UK, etc.) and you bill clients in Switzerland, you can open an ibani account. This will allow you to get a Swiss IBAN (CH) to receive your payments in Swiss francs without cross-border fees, which we will then convert to your local account.

Once your ibani account is created, generate a "collection route" in the app for your client's currency (CHF, EUR, USD, GBP, CAD, SGD). You will get a dedicated IBAN. Add this IBAN to your invoice. When your client pays, the funds are received, converted at our favorable rate, and transferred to your regular bank account.

If you are a freelancer in Switzerland registered in the Commercial Register (RC), a recent extract and an ID document are sufficient. If you are not registered in the RC, a certificate of affiliation to the OASI/AHV (or an equivalent document from your country of residence if you are foreign), along with your ID and proof of residence, will be enough to validate your pro account.

Ready to optimize your financial management?

Designed to accommodate the flexibility of freelancing, ibani helps you maximize every invoice collected internationally. Quick, free opening, and absolutely no monthly management fees.

✔ Fast Account Validation · ✔ No Hidden Fees · ✔ Responsive Customer Support