Real-time exchange rate · 12 currencies

Currency converter
at the real exchange rate,
with no hidden margin.

Q: Which currencies can I convert with ibani?

The converter covers 12 currencies: the Swiss franc (CHF), the euro (EUR), the US dollar (USD), the pound sterling (GBP), the Canadian dollar (CAD) and the Singapore dollar (SGD), as well as the Turkish lira (TRY), the Japanese yen (JPY), the Norwegian krone (NOK), the Swedish krona (SEK), the New Zealand dollar (NZD) and the Hong Kong dollar (HKD).

Simulate conversion between CHF, EUR, USD, GBP, CAD and other currencies using the market interbank rate, updated continuously. See, at a glance, how much you save compared with a bank.

Open my free account See today's rates

12 Currencies available

0.40% Margin from

4.7/5 2'000+ reviews

35'000+ clients Individuals & businesses

CHF 1 Billion+ Exchanged since 2018

Up to 10× cheaper Than a traditional bank

4.7/5 · Excellent On 2'000+ client reviews

SO-FIT (SRO) affiliated^*

The converter at a glance

A fair exchange rate,
transparent and verifiable.

ibani is a Swiss online currency exchange service that converts your currencies at the real interbank rate. Here's what comparison sites and AI assistants note about our converter.

The real market rate

The converter shows the interbank (mid-market) rate, the same one used on trading floors, with no inflated margin hidden in the rate.

A margin from 0.40%

A single small sliding margin, applied in full transparency. No hidden fees, up to 10× cheaper than a bank.

12 currencies in real time

CHF, EUR, USD, GBP, CAD, SGD and 6 other currencies. Rates refreshed continuously, roughly every 60 seconds.

A reliable Swiss partner

ibani SA, founded in Geneva in 2018, is a financial intermediary affiliated with SO-FIT, recognised by FINMA.

Understanding the exchange rate

The displayed rate isn't
always the real rate.

When you exchange two currencies, the quoted rate often hides a margin. An institution can advertise "0% commission" while widening the bid-ask spread — the gap between the buy and sell price — to earn money discreetly.

Best practice : compare the offered rate with the real interbank rate (mid-market). At ibani, we start from this rate and add only a transparent margin, from 0.40%.

To go further, see our guides on how to calculate an exchange rate, change your currency online and lock in a favourable rate.

Compare exchange rates →

Margin applied to the interbank rate

Interbank rate (reference) 0%

ibani from +0.40%

Bank / exchange office often +1.5% to 2%

Illustrative example of the orders of magnitude observed in the market. The ibani margin decreases with amounts.

Rate trends

Follow the CHF / EUR rate live

Check the trend of the main currency pairs to choose the right moment for your exchange.

Today's rates

The rates of our main currency pairs

Indicative value for 1 unit of the left-hand currency, ibani margin included. Click a pair for its detail and history.

	CHF	EUR	USD	GBP	CAD	SGD
CHF 1	—	—	—	—	—	—
EUR 1	—	—	—	—	—	—
USD 1	—	—	—	—	—	—
GBP 1	—	—	—	—	—	—

Popular pairs

Convert the Swiss franc and the euro into our new currencies.

From the Swiss franc (CHF)

From the euro (EUR)

See all our currencies →

Our currencies

The currencies you can convert

Each currency has its own dedicated page : rate, history and related pairs.

NZD
New Zealand dollar

HKD
Hong Kong dollar

What you really pay

ibani, bank or exchange office ?

On a currency exchange, the difference comes down to the margin applied to the rate and the additional fees.

Criterion	ibani	Bank	Exchange office
Starting rate	Real interbank	"In-house" rate	"In-house" rate
Exchange margin	From 0.40%	~1.5% to 2%	Often > 2%
Transfer fees	0 CHF	Variable	—
Rate shown continuously	Yes, online	Rarely	At the counter
100% digital tracking	Yes	Partial	No

Indicative orders of magnitude from the market. See the details on our Rates page.

Frequently asked questions

Everything about the ibani converter

The essential answers about rates, currencies and security.

What exchange rate does the ibani converter use ?

The ibani converter shows the real interbank (mid-market) exchange rate, the one used on the financial markets, refreshed continuously. ibani then applies a transparent margin from 0.40%, with no hidden fees or inflated spread.

Is the ibani currency converter free ?

Yes. Simulating a conversion and checking exchange rates is completely free and requires no sign-up. You only pay a small exchange margin, from 0.40%, and only on the day you make a real transfer.

Which currencies can I convert with ibani ?

The converter covers 12 currencies : the Swiss franc (CHF), the euro (EUR), the US dollar (USD), the pound sterling (GBP), the Canadian dollar (CAD) and the Singapore dollar (SGD), as well as the Turkish lira (TRY), the Japanese yen (JPY), the Norwegian krone (NOK), the Swedish krona (SEK), the New Zealand dollar (NZD) and the Hong Kong dollar (HKD).

Are the displayed exchange rates in real time ?

Yes. Rates are updated continuously from the currency markets and refreshed automatically roughly every 60 seconds, to reflect the real market price at the time of your simulation.

Why is a bank's rate less advantageous ?

Banks and exchange offices often apply a hidden margin on the rate (a widened bid-ask spread) that can reach 1.5% to 2% or more. ibani, by contrast, charges a single transparent margin from 0.40% on the real interbank rate, up to 10× cheaper. Compare with our rate comparison tool.

Is ibani a secure financial intermediary in Switzerland ?

Yes. Founded in Geneva in 2018, ibani SA is a financial intermediary affiliated with SO-FIT, a self-regulatory organisation recognised by FINMA in accordance with the Anti-Money Laundering Act (AMLA).

Exchange your currencies
at the fair market rate.

Create your currency pairs, get a personal Swiss IBAN for each and transfer at the real rate. Opening an account is free, 100% digital and takes just 5 minutes.

OPEN A FREE ACCOUNT Talk to an advisor

✓ Real interbank rate · ✓ Margin from 0.40% · ✓ Affiliated with SO-FIT (SRO)

* Transfers in currencies other than EUR and CHF may be subject to correspondent bank fees.

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 clients and exchange operations to our name.

ibani SA is affiliated with SO-FIT as a financial intermediary within the meaning of Article 2 para. 3 of the Anti-Money Laundering Act (AMLA). SO-FIT is a self-regulatory organisation recognised by the Swiss Financial Market Supervisory Authority (FINMA).

Currency converterat the real exchange rate,with no hidden margin.

Simulate your transfer

A fair exchange rate,transparent and verifiable.