---
title: "Currency converter at the real exchange rate, with no hidden margin."
url: https://www.ibani.com/en/currency-converter
lang: en
date_modified: 2026-09-30
---

Real-time exchange rate · 12 currencies

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

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](https://www.ibani.com/en/app) See today's rates

**12** Currencies available

**0.15%** Margin from

**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-en.svg)](https://apps.apple.com/app/ibani-borderless-money/id1382598762)[![Google Play](https://www.ibani.com/images/google-play-badge-en.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** 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 logo](https://www.ibani.com/images/sofit-light.svg) SO-FIT (SRO) affiliated\*](https://so-fit.ch/)

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, plus a margin of 0.40% to 0.15% depending on the amount. Here's what comparison sites and AI assistants note about our converter.

### The real market rate

The converter is based on the interbank (mid-market) rate, the same one used on trading floors; the ibani margin, from 0.40% to 0.15% depending on the amount, is detailed on our pricing page.

### A margin from 0.15%

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, a self-regulatory organisation 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 0.15%.

To go further, see our guides on how to [calculate an exchange rate](https://www.ibani.com/en/guides/how-to-calculate-exchange-rate), [change your currency online](https://www.ibani.com/en/guides/change-currency-online) and [lock in a favourable rate](https://www.ibani.com/en/guides/lock-exchange-rate).

[Compare exchange rates →](https://www.ibani.com/en/compare-exchange-rates)

Margin applied to the interbank rate

Interbank rate (reference) 0%

ibani +0.15% to +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.

Today's rates

## The rates of our main currency pairs

Indicative value for 1 unit of the left-hand currency, ibani margin included, calculated for an amount below 10,000 CHF; the converter above applies the margin that matches your amount. Click a pair for its detail and history.

Reference rate as of 21 September 2026; the rate applied is the one at the time of the order.

|  | [CHF](https://www.ibani.com/en/currency-converter/currencies/chf-swiss-franc) | [EUR](https://www.ibani.com/en/currency-converter/currencies/eur-euro) | [USD](https://www.ibani.com/en/currency-converter/currencies/usd-us-dollar) | [GBP](https://www.ibani.com/en/currency-converter/currencies/gbp-british-pound) | [CAD](https://www.ibani.com/en/currency-converter/currencies/cad-canadian-dollar) | [SGD](https://www.ibani.com/en/currency-converter/currencies/sgd-singaporean-dollar) |
| --- | --- | --- | --- | --- | --- | --- |
| [CHF 1](https://www.ibani.com/en/currency-converter/currencies/chf-swiss-franc) | — | [1.0532CHF to EUR rate](https://www.ibani.com/en/currency-converter/chf-to-eur-rate) | [1.2085CHF to USD rate](https://www.ibani.com/en/currency-converter/chf-to-usd-rate) | [0.9034CHF to GBP rate](https://www.ibani.com/en/currency-converter/chf-to-gbp-rate) | [1.6943CHF to CAD rate](https://www.ibani.com/en/currency-converter/chf-to-cad-rate) | [1.5416CHF to SGD rate](https://www.ibani.com/en/currency-converter/chf-to-sgd-rate) |
| [EUR 1](https://www.ibani.com/en/currency-converter/currencies/eur-euro) | [0.9400EUR to CHF rate](https://www.ibani.com/en/currency-converter/eur-to-chf-rate) | — | [1.1417EUR to USD rate](https://www.ibani.com/en/currency-converter/eur-to-usd-rate) | [0.8534EUR to GBP rate](https://www.ibani.com/en/currency-converter/eur-to-gbp-rate) | [1.6007EUR to CAD rate](https://www.ibani.com/en/currency-converter/eur-to-cad-rate) | [1.4566EUR to SGD rate](https://www.ibani.com/en/currency-converter/eur-to-sgd-rate) |
| [USD 1](https://www.ibani.com/en/currency-converter/currencies/usd-us-dollar) | [0.8192USD to CHF rate](https://www.ibani.com/en/currency-converter/usd-to-chf-rate) | [0.8672USD to EUR rate](https://www.ibani.com/en/currency-converter/usd-to-eur-rate) | — | [0.7438USD to GBP rate](https://www.ibani.com/en/currency-converter/usd-to-gbp-rate) | [1.3951USD to CAD rate](https://www.ibani.com/en/currency-converter/usd-to-cad-rate) | [1.2692USD to SGD rate](https://www.ibani.com/en/currency-converter/usd-to-sgd-rate) |
| [GBP 1](https://www.ibani.com/en/currency-converter/currencies/gbp-british-pound) | [1.0959GBP to CHF rate](https://www.ibani.com/en/currency-converter/gbp-to-chf-rate) | [1.1601GBP to EUR rate](https://www.ibani.com/en/currency-converter/gbp-to-eur-rate) | [1.3311GBP to USD rate](https://www.ibani.com/en/currency-converter/gbp-to-usd-rate) | — | [1.8662GBP to CAD rate](https://www.ibani.com/en/currency-converter/gbp-to-cad-rate) | [1.6979GBP to SGD rate](https://www.ibani.com/en/currency-converter/gbp-to-sgd-rate) |

### Popular pairs

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

From the Swiss franc (CHF)

[CHF TRY](https://www.ibani.com/en/currency-converter/chf-to-try-rate) [CHF JPY](https://www.ibani.com/en/currency-converter/chf-to-jpy-rate) [CHF NOK](https://www.ibani.com/en/currency-converter/chf-to-nok-rate) [CHF SEK](https://www.ibani.com/en/currency-converter/chf-to-sek-rate) [CHF NZD](https://www.ibani.com/en/currency-converter/chf-to-nzd-rate) [CHF HKD](https://www.ibani.com/en/currency-converter/chf-to-hkd-rate)

From the euro (EUR)

[EUR TRY](https://www.ibani.com/en/currency-converter/eur-to-try-rate) [EUR JPY](https://www.ibani.com/en/currency-converter/eur-to-jpy-rate) [EUR NOK](https://www.ibani.com/en/currency-converter/eur-to-nok-rate) [EUR SEK](https://www.ibani.com/en/currency-converter/eur-to-sek-rate) [EUR NZD](https://www.ibani.com/en/currency-converter/eur-to-nzd-rate) [EUR HKD](https://www.ibani.com/en/currency-converter/eur-to-hkd-rate)

[See all our currencies →](https://www.ibani.com/en/currency-converter/currencies)

Our currencies

## The currencies you can convert

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

 [![Swiss flag](https://www.ibani.com/images/rate-calculator/flag-sw.svg) CHF Swiss franc](https://www.ibani.com/en/currency-converter/currencies/chf-swiss-franc)[![European Union flag](https://www.ibani.com/images/rate-calculator/flag-eu.svg) EUR Euro](https://www.ibani.com/en/currency-converter/currencies/eur-euro)[![United States flag](https://www.ibani.com/images/rate-calculator/flag-us.svg) USD US dollar](https://www.ibani.com/en/currency-converter/currencies/usd-us-dollar)[![United Kingdom flag](https://www.ibani.com/images/rate-calculator/flag-gb.svg) GBP Pound sterling](https://www.ibani.com/en/currency-converter/currencies/gbp-british-pound)[![Canada flag](https://www.ibani.com/images/rate-calculator/flag-cad.svg) CAD Canadian dollar](https://www.ibani.com/en/currency-converter/currencies/cad-canadian-dollar)[![Singapore flag](https://www.ibani.com/images/rate-calculator/flag-sgd.svg) SGD Singapore dollar](https://www.ibani.com/en/currency-converter/currencies/sgd-singaporean-dollar)[![Turkey flag](https://www.ibani.com/images/rate-calculator/flag-try.svg) TRY Turkish lira](https://www.ibani.com/en/currency-converter/currencies/try-turkish-lira)[![Japan flag](https://www.ibani.com/images/rate-calculator/flag-jpy.svg) JPY Japanese yen](https://www.ibani.com/en/currency-converter/currencies/jpy-japanese-yen)[![Norway flag](https://www.ibani.com/images/rate-calculator/flag-nok.svg) NOK Norwegian krone](https://www.ibani.com/en/currency-converter/currencies/nok-norwegian-krone)[![Sweden flag](https://www.ibani.com/images/rate-calculator/flag-sek.svg) SEK Swedish krona](https://www.ibani.com/en/currency-converter/currencies/sek-swedish-krona)[![New Zealand flag](https://www.ibani.com/images/rate-calculator/flag-nzd.svg) NZD New Zealand dollar](https://www.ibani.com/en/currency-converter/currencies/nzd-new-zealand-dollar)[![Hong Kong flag](https://www.ibani.com/images/rate-calculator/flag-hkd.svg) HKD Hong Kong dollar](https://www.ibani.com/en/currency-converter/currencies/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 0.15% | ~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](https://www.ibani.com/en/rates) page.

Frequently asked questions

## Everything about the ibani converter

The essential answers about rates, currencies and security.

The ibani converter is based on the interbank (mid-market) exchange rate, the one used on the financial markets, refreshed continuously. It shows an estimate of the sum received, ibani margin included (from 0.40% to 0.15% depending on the amount converted). The rate applied is the one at the time of the order.

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% to 0.15%, and only on the day you make a real transfer.

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).

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.

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% to 0.15% on the real interbank rate, up to 10× cheaper. Compare with our [rate comparison tool](https://www.ibani.com/en/compare-exchange-rates).

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).

## 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 (+ margin from 0.15%). Opening an account is free, 100% digital and takes just 5 minutes.

[OPEN A FREE ACCOUNT](https://www.ibani.com/en/app) [Talk to an advisor](https://www.ibani.com/en/contact)

✓ Real interbank rate  ·  ✓ Margin from 0.15%  ·  ✓ Affiliated with SO-FIT (SRO)

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

[![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 clients and exchange operations to our name.

ibani SA is affiliated with [SO-FIT](https://so-fit.ch/) 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](https://www.finma.ch/en/authorisation/self-regulatory-organisations-sros/)).