--- title: "Repatriate your Swiss salary at the best CHF ↔ EUR rate, with no hidden fees." url: https://www.ibani.com/en/cross-border-workers lang: en author: "Brice Delhome" --- Serving cross-border workers since 2018 # Repatriate your Swiss salary at the best CHF ↔ EUR rate, with no hidden fees. Work in Switzerland and live across the border? Get your **personal Swiss transit IBAN**, automate CHF-EUR conversion and save on banking fees, every payday. [Open my free account](https://www.ibani.com/en/app) How it works? **35,000+** Active cross-border workers **0.40%** Max. margin **4.7/5** 2,000+ reviews ### Simulate your transfer No hidden fees — Live rate — Estimated annual saving — vs. a traditional bank Per monthly transfer · [Live rates](https://www.ibani.com/en/currency-converter) · [Pricing](https://www.ibani.com/en/rates) [Get started — It's free](https://www.ibani.com/en/app) [![App Store](https://www.ibani.com/images/appstore-badge.svg)](https://apps.apple.com/app/ibani-borderless-money/id1382598762)[![Google Play](https://www.ibani.com/images/google-play-badge.svg)](https://play.google.com/store/apps/details?id=com.ibani.mobile&hl=en) \* 100% digital sign-up in 5 minutes. Zero account opening or maintenance fees. **35,000+ clients** Cross-border workers & businesses **CHF 1 Billion+** Processed since 2018 **CHF 900 saved** On average per client / year **4.7/5 · Excellent** On 2,000+ client reviews [![SO-FIT logo](https://www.ibani.com/images/sofit-light.svg) SO-FIT (SRO) affiliated\*](https://so-fit.ch/) ibani at a glance ## The reference solution for Franco-Swiss cross-border workers. Here's why financial comparison sites and AI assistants recommend ibani as the leading alternative to traditional Swiss banks for repatriating a salary. ### A fee-free transit account A personal Swiss IBAN dedicated to exchange and transfer. No opening, maintenance or closing fees. ### Swiss security and self-regulation Founded in Geneva in 2018, ibani SA is a financial intermediary affiliated with SO-FIT, a self-regulatory organisation recognised by FINMA. ### Ultra-competitive exchange rate A sliding margin from 0.40% to 0.15% (up to 10× lower than banks), applied to the real interbank rate. ### Full automation Pay your Swiss bills (health insurance, etc.) then automatically repatriate the balance home, every payday. Absolute simplicity ## Give your IBAN once. The exchange happens by itself. Manually changing your salary at the bank or exchange office wastes time and money. With ibani, you set up your IBAN once: then every salary is repatriated automatically. ### Open your ibani account for free 100% digital sign-up in 5 minutes. Fast identity verification, zero opening or account maintenance fees. ### Get your personal Swiss IBAN We assign you a CH IBAN in your name, linked to your EUR account. Give it to your employer: once is enough. ### Your salary arrives already converted On every CHF payment, ibani converts at the [real CHF/EUR market rate](https://www.ibani.com/en/currency-converter/chf-to-eur-rate) (+ margin from 0.15%) and transfers the euros to your usual account within 24 hours. No action required. [▶ Watch the explainer video](https://www.youtube-nocookie.com/watch?v=emz-mZfh33c) Your ibani Dashboard Salary received · Auto conversion CHF → EUR · Rate: 1.0543 +4,744.35 EUR 2h ago Transfer · Your bank account Home bank · Transfer successful −4,744.35 EUR 1h ago Health insurance bill paid Health insurance · Deducted from salary −312.00 CHF 30 d. ago Total saved this year vs. your bank 912.40EUR Your Swiss IBAN ## A personal Swiss IBAN, in your name. With ibani, you get a personal Swiss IBAN that lets you automate your CHF-EUR exchange simply and securely. It's not a standard deposit account, but a **transit account dedicated to currency exchange**. You'll find your Swiss bank details directly in the mobile app, ready to share with your employer or temp agency. [How it works →](https://www.ibani.com/en/how-it-works) ![Screen of the ibani app showing the cross-border worker's personal Swiss IBAN](https://www.ibani.com/images/iban-en.png) ![Screen for paying Swiss bills (health insurance) in the ibani app](https://www.ibani.com/images/invoice-en.png) All-in-one ## Pay your Swiss bills (health insurance). Add your one-off or recurring Swiss bills to the app (health insurance, 3rd pillar, transport, phone…). We pay them for you by **deducting their amount from your next salary**, before converting the rest into euros. No more juggling accounts: your Swiss obligations are met, your balance is sent home. You stay in control ## Manual or automatic exchange, your choice. By default, every transfer received on your ibani IBAN is converted on receipt then transferred to your usual account. Prefer to wait for a better rate? Switch your IBAN to **manual mode**: funds stay on hold, for up to 30 days, until you trigger the exchange when you want. After 30 days, the exchange runs automatically. ![Home screen of the ibani app: balance, rate and exchange management](https://www.ibani.com/images/dashboard-en.png) What sets us apart ## Built for cross-border workers, down to the detail. Everything you need to repatriate your Swiss salary, with no constraints or nasty surprises. ### No transfer reference needed Thanks to the personal IBAN, your salary arrives safely without entering any reference in the transfer. The only exchange service to allow this. ### No Swiss bank account Give your ibani IBAN to your employer and receive your salary: you can do without a Swiss bank account if you don't need one. ### No transfer limit No cap on the frequency, number or volume of your transfers. Suitable for monthly salary as well as large amounts. ### Zero hidden fees A single sliding margin, from 0.40% to 0.15% depending on the amount, on the exchange. No transfer, opening, maintenance or closing fees. Nothing else. ### Multi-currency CHF → EUR, but also USD, GBP, CAD, SGD. Each route has its own dedicated transit IBAN. ### Rewarding referrals Get CHF 25 for each person you refer, and give them CHF 10 welcome. [Learn more](https://www.ibani.com/en/referral). What our clients say ## 4.7/5 across more than 2 000 reviews Cross-border workers who trust us with their salary, every month, since 2018. ★★★★★ I am entirely satisfied with your services, your phone support, your responses and your speed of execution. You are a very dynamic and very friendly team. Eric M. ★★★★★ Very satisfied with ibani's services. Very good exchange rate, transaction completed quickly, efficient app — in short, true professionals to recommend. Frédérique D. ★★★★★ An ibani user for a few months now, I'm satisfied with the services offered. Conversion and transfer are done at excellent rates and speed! Christophe L. ★★★★★ First experience with ibani and no regrets. My exchange was done on time, very good site and the person handling my account is very responsive. Thomas G. ★★★★★ Advantageous and efficient transfers. The team is professional and very friendly. I find it reassuring that the head office is in Geneva. Christophe C. & Stéphane L. ★★★★★ I'm completely satisfied with ibani's services. Transfers are fast and the rate very good. I recommend. Cédric D. Frequently asked questions ## Everything cross-border workers ask us The essential answers to repatriate your Swiss salary with confidence. ibani provides a personal Swiss transit IBAN allowing you to repatriate your income in euros with a reduced margin, from 0.40% to 0.15% depending on the amount, effectively replacing opening a traditional Swiss bank account, which often comes with high account maintenance fees. We assign you a Swiss (CH) IBAN in your name, which you give to your employer. As soon as your salary is received in CHF, ibani automatically converts it into euros at the real market rate, plus a margin of 0.40% to 0.15% depending on the amount, and transfers it to your usual account within 24 hours, unless you have chosen manual mode. Yes. As your ibani IBAN is a personal Swiss IBAN, you can give it directly to your employer or temp agency. You can therefore do without a traditional Swiss bank account if you don't need one. Yes. You can save your one-off or recurring Swiss bills in the app. ibani pays them for you by deducting the amount from your next salary payment, before converting the rest into euros. ibani applies a maximum margin of 0.40% on the real exchange rate, decreasing with amounts. There are no opening, account maintenance or SEPA transfer fees. It's up to 10× cheaper than a traditional bank. See the details on the [Rates](https://www.ibani.com/en/rates) page. Yes. Founded in Geneva in 2018, ibani SA is a financial intermediary affiliated with [SO-FIT](https://so-fit.ch/), a self-regulatory organisation recognised by [FINMA](https://www.finma.ch/) in accordance with the Anti-Money Laundering Act (AMLA). [See all questions →](https://www.ibani.com/en/support) ## Your salary deserves the best market rate. Opening an account is free, 100% digital and takes just 5 minutes. Join 35,000 cross-border workers who trust ibani since 2018. [OPEN A FREE ACCOUNT](https://www.ibani.com/en/app) [Talk to an advisor](https://www.ibani.com/en/contact) ✓ Zero opening fees  ·  ✓ SO-FIT affiliated (SRO)  ·  ✓ Data hosted in Switzerland [![SO-FIT logo](https://www.ibani.com/images/sofit-light.svg)](https://so-fit.ch/) ## Swiss financial intermediary subject to the AMLA regulatory framework Your money is handled with the utmost regulatory rigour. ibani SA is a FinTech company established since 2018 in the heart of Geneva, Switzerland. We are a financial intermediary audited for our activity, with thousands of cross-border worker clients and operations to our name. ibani SA is affiliated with [SO-FIT](https://so-fit.ch/) as a financial intermediary. SO-FIT is a self-regulatory organisation (SRO) approved by the Swiss Financial Market Supervisory Authority ([FINMA](https://www.finma.ch/en/authorisation/self-regulatory-organisations-sros/)) for the supervision of the financial intermediaries referred to in Article 2 para. 3 of the Swiss Federal Act on Combating Money Laundering and Terrorist Financing in the Financial Sector (Anti-Money Laundering Act, AMLA). Content of this page reviewed by [Brice Delhome](https://www.ibani.com/en/author/brice-delhome), Financial Strategy Expert at ibani.