CHF-EUR currency exchange for cross-border workers

Do you work in Switzerland and live abroad? ibani is the secret weapon of cross-border workers to receive a salary without a Swiss bank account, convert it at the best exchange rate and transfer it back home in a super easy, automated, fast and secure way.

Convert your Swiss salary at the best rate

If you use your bank or a money exchange office to convert your Swiss salary, you're paying too much. With ibani, you convert and transfer your salary back home at the best rate of the market while making your life easier.

  • Our transfer fees: CHF 0
  • Our exchange margin: 0.50%
  • Final exchange rate: 1.1636
  • You'll save on average maintenant

Your Swiss IBAN

With ibani, you get your own free Swiss IBAN. It allows you to automate your currency exchange in a simple and secure way. It is not a bank account, but a transit account dedicated to currency exchange.

How it works
ibani no transfer reference

Works without reference numbers

Thanks to our dedicated IBAN system, we are the only online currency exchange service where you can collect your salary without having to use a reference with your bank transfer to make sure it reaches its destination.

ibani works without Swiss bank account

Works without Swiss bank account

You can give your ibani IBAN to your employer or your employment agency in order to receive your salary directly on it. You can therefore skip the opening of a Swiss bank account if you don't have other use for it.

You will find your account details for each one of your IBANs in our mobile app.

Automatic or manual currency exchange

By default, each transfer that we receive on your ibani IBANs is immediately processed, converted and transferred out to the destination account.

But if you prefer, you can switch your IBAN in manual mode. Funds received will be in standby (up to 30 days) until you manually trigger the currency exchange at the moment you choose.

Currency exchange management screenshot from the ibani mobile app

Pay your Swiss bills

Add in the app all your one-time or monthly Swiss bills (health insurance, 3rd pillar, transports, phone, etc.) and we'll pay them for you by deducing their amount from your next salary.

ibani zero hidden fees

Zero hidden fees

Our only revenue is a small degressive 0.4% margin, which we take on each currency exchange operation. It's up to 10x cheaper than a bank!

With ibani you have absolutely no other cost. No transfer or processing fees, no account opening, maintenance or closing fees, nothing at all!

Our rates
ibani no transfer limits

No transfer limits

Our currency exchange service has no limit on the frequency, the number or the volume of your money transfers.

Get CHF25 for each person you refer

For each person that you invite on ibani, we give you CHF25 to thank you and we give CHF10 to your friend as a little welcome gift.

Share your personal referral link from our app and follow each person who has registered with your link.

More info

Authorized financial intermediary

ibani SA is a FinTech company established in 2018 in Geneva, Switzerland. We are an authorized and audited financial intermediary, with a track record of thousands of clients and transactions.

We are affiliated with SRO-member SO-FIT, an officially recognized self-regulatory organization (SRO) according to the Anti-Money Laundering Act by FINMA, the Swiss financial market supervisory authority.



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Have a question?

Our FAQ gathers the most frequent questions that our clients ask us. Your question is probably answered there!

To the FAQ

If you don't find the answer you're looking for, our team will help you by email, on the phone (Monday to Friday), on Facebook or on Twitter.