Tailored Solutions for Swiss SMEs
Optimize your SME's
international cash flow
Pay your foreign suppliers, collect payments from international clients, and manage salaries for your cross-border employees with ease. Reduce your bank exchange fees by up to 10x without modifying your internal processes.
✔ 100% Free registration · ✔ No commitment · ✔ Local support in Geneva
Stop letting bank margins weigh down your profitability
For an SME that imports, exports, or employs cross-border staff, hidden exchange fees weigh heavily on year-end balance sheets. Compare transparently:
| Traditional SME Bank | ibani for SMEs | |
|---|---|---|
| Exchange Margin applied to payments and collections | 1.5% – 3.0% | max. 0.4% |
| International transfer fee SWIFT, correspondent bank fees | CHF 15 – 40 | CHF 0 |
| Exchange timing control Lock in or leave a conversion pending | Complex / Limited | 100% Flexible |
| Dedicated IBANs (Collections) Receive funds in their original currency | Account maintenance fees | Included, unlimited |
| Opening and subscription fees | CHF 50 – 150 / year | CHF 0 |
Tools tailored for your business challenges
A unified platform to streamline your accounting processes and secure your international transactions, without requiring complex software implementations.
Supplier payments
Settle your invoices in EUR, USD, GBP, or other currencies without suffering your bank's unfavorable exchange rates. Your suppliers receive the exact amount, with no deducted fees.
Client collections
Get paid by your foreign clients in their local currency using our dedicated IBANs. We convert the funds into CHF at the best rate and send them to your main account.
Cross-border salaries
Pay your cross-border employees' salaries directly in euros to their European accounts. Simplify your HR management while offering a more advantageous exchange rate to your staff.
Simplified accounting tracking
Access a clear, time-stamped history of all your conversions. Exports are compatible with most ERP software, making accounting reconciliation effortless.
Security and liquidity
Funds pass through a Swiss IBAN in your company's name, a pass-through account rather than a deposit account. Received on a business-day morning, converted funds leave for your destination account within half an hour.
Manual or automated control
Let the system convert each transfer automatically, or choose to pause the exchange to wait for a more favorable currency rate for your purchasing strategy.
Centralized management for executives
Access all your payment routes, view your history, and modify your conversion settings at any time, directly from the mobile app or your computer.
Transaction tracking
Global dashboard
Conversion strategy
A trusted financial partner, anchored in Switzerland
Since 2018, ibani has been supporting the growth of Swiss SMEs by securing and optimizing their cross-border monetary flows. A transparent financial intermediary, affiliated with SO-FIT and subject to the obligations of the Anti-Money Laundering Act (AMLA).
Financial intermediary affiliated with SO-FIT and audited for its activity
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 security of your funds and the compliance of transactions are our absolute priorities.
Recognized by the business press
Frequently Asked Questions for Executives
Ready to accelerate your SME's development?
Join thousands of Swiss executives who rely on ibani to secure their margins and simplify their international accounting. Account creation takes just a few minutes, with no commitment.
✔ Free account creation · ✔ SO-FIT (SRO) affiliated · ✔ Swiss-based customer support