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

Simulate your SME's savings

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 secure deposit accounts in Switzerland. Transactions are processed the same day to ensure your cash flow is always available.

⚙️

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

Explore the features

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 institution, subject to Swiss law and regulations.

35'000+

convinced users

1+ billion

francs exchanged

7 years

of 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 security of your funds and the compliance of transactions are our absolute priorities.

Recognized by the business press

Frequently Asked Questions for Executives

The opening and maintenance of a professional account with ibani are entirely free. There are no monthly subscriptions or dossier fees. Our only remuneration is a minimal exchange margin (maximum 0.4%), which is always included and transparent in the displayed rate.

Simply create a payment route from your ibani dashboard. You will receive a dedicated Swiss IBAN (CH) for that supplier. From your main bank, make a simple domestic transfer in CHF to this IBAN. ibani will handle the conversion and send the funds directly to the relevant supplier.

Absolutely. Many companies use ibani to optimize the payment of cross-border salaries. You can create an ibani IBAN for each cross-border employee. You make a grouped or individual transfer in CHF, and your employees receive their salaries in euros in their European accounts, with a highly competitive exchange rate.

To finalize the account opening, we will need a recent copy of your company's Commercial Register extract, the ID of the beneficial owner(s) (holding more than 25% of the shares), and some details about your business activity. The entire onboarding process is digital and completed quickly.

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.

Contact an SME expert View our pricing

✔ Free account creation · ✔ FINMA/SO-FIT secured platform · ✔ Swiss-based customer support

Optimize your SME'sinternational cash flow