https://www.ibani.com/en Practical guides from ibani on CHF/EUR exchange, cross-border worker status, taxation and Swiss international payments. en Mon, 21 Sep 2026 11:31:20 GMT https://www.ibani.com/en/guides/cross-border-worker https://www.ibani.com/en/guides/cross-border-worker Sun, 20 Sep 2026 12:00:00 GMT The ultimate guide for working in Switzerland while living in the EU. Expert advice on G permits, Swiss salaries, taxation, and banking solutions. https://www.ibani.com/en/guides/cross-border-worker-employment-switzerland https://www.ibani.com/en/guides/cross-border-worker-employment-switzerland Sun, 20 Sep 2026 12:00:00 GMT What is the average Swiss salary? How to get a G Permit? Everything about employment contracts, unemployment, and resignation in Switzerland. https://www.ibani.com/en/guides/getting-fired-in-switzerland https://www.ibani.com/en/guides/getting-fired-in-switzerland Sun, 20 Sep 2026 12:00:00 GMT You are a cross-border worker in Switzerland and your employer just fired you? Know your rights and the procedure to follow. https://www.ibani.com/en/guides/personal https://www.ibani.com/en/guides/personal Sun, 20 Sep 2026 12:00:00 GMT Expert guides for Swiss residents and individuals: Wealth management, real estate, employment, and currency exchange. https://www.ibani.com/en/guides/personal-career https://www.ibani.com/en/guides/personal-career Sun, 20 Sep 2026 12:00:00 GMT Understand the Swiss labor market: average salaries, contracts, employee rights, and termination laws. https://www.ibani.com/en/guides/5-mistakes-cross-border-worker https://www.ibani.com/en/guides/5-mistakes-cross-border-worker Sat, 19 Sep 2026 12:00:00 GMT Three months for the right of option, 31 March for the tax correction, 40% telework (25% Italy), EUR 1,500 per undeclared account: five mistakes. https://www.ibani.com/en/guides/cross-border-worker-daily-life https://www.ibani.com/en/guides/cross-border-worker-daily-life Sat, 19 Sep 2026 12:00:00 GMT Transport, cost of living, mobile plans... All our practical tips to make your daily life as a cross-border worker easier. https://www.ibani.com/en/guides/cross-border-worker-swiss-taxation https://www.ibani.com/en/guides/cross-border-worker-swiss-taxation Sat, 19 Sep 2026 12:00:00 GMT Source tax vs. residence tax? Understand Swiss tax rates, declarations, and optimization strategies for cross-border workers. https://www.ibani.com/en/guides/cross-border-worker-taxes-switzerland https://www.ibani.com/en/guides/cross-border-worker-taxes-switzerland Sat, 19 Sep 2026 12:00:00 GMT Your canton of work and your country of residence decide which State taxes you: 8 cantons with no withholding for France, 40% teleworking (25% in Italy). https://www.ibani.com/en/guides/expat https://www.ibani.com/en/guides/expat Sat, 19 Sep 2026 12:00:00 GMT The complete guide to a successful expatriation in Switzerland. Admin procedures, housing, cost of living, and integration. https://www.ibani.com/en/guides/expat-job-market https://www.ibani.com/en/guides/expat-job-market Sat, 19 Sep 2026 12:00:00 GMT How to find work in Switzerland? Residence permits (B/L), average salaries, and hiring industries. https://www.ibani.com/en/guides/quit-job-switzerland https://www.ibani.com/en/guides/quit-job-switzerland Sat, 19 Sep 2026 12:00:00 GMT Notice expires at the end of a month: one day late moves your departure by a whole month. Periods by seniority, benefits by country, second pillar and G permit. https://www.ibani.com/en/guides/chf-usd-exchange-rate-forecast https://www.ibani.com/en/guides/chf-usd-exchange-rate-forecast Fri, 18 Sep 2026 12:00:00 GMT 18 September 2026 update: the Fed raised rates to 3.75-4.00%. The dollar jumps to 0.8245 franc, its highest since spring 2025. Analysis and scenarios. https://www.ibani.com/en/guides/finance-currency https://www.ibani.com/en/guides/finance-currency Fri, 18 Sep 2026 12:00:00 GMT The expert hub to master the CHF/EUR exchange rate. Forecasts, financial analysis, and tips to save on your money transfers. https://www.ibani.com/en/guides/finance-currency-exchange-rates https://www.ibani.com/en/guides/finance-currency-exchange-rates Fri, 18 Sep 2026 12:00:00 GMT When to exchange your Swiss francs? Our technical analysis, monthly forecasts, and guides to calculating exchange rates. https://www.ibani.com/en/guides/lock-exchange-rate https://www.ibani.com/en/guides/lock-exchange-rate Fri, 18 Sep 2026 12:00:00 GMT A forward rate is not a forecast: it follows from the ECB 2.50% / SNB 0.00% rate gap. Full calculation, break-even at 0.9220 and the hidden margin. https://www.ibani.com/en/guides/business-switzerland https://www.ibani.com/en/guides/business-switzerland Wed, 16 Sep 2026 12:00:00 GMT The expert guide for SMEs and entrepreneurs in Switzerland. FX optimization, supplier payments, cross-border payroll, and capital deposit. https://www.ibani.com/en/guides/business-switzerland-payroll-hr https://www.ibani.com/en/guides/business-switzerland-payroll-hr Wed, 16 Sep 2026 12:00:00 GMT How to pay cross-border salaries in Euros without fees? Managing expenses in foreign currencies and HR compliance. https://www.ibani.com/en/guides/cross-border-worker-health-insurance https://www.ibani.com/en/guides/cross-border-worker-health-insurance Wed, 16 Sep 2026 12:00:00 GMT The ultimate comparison for your right of option. Should you choose French social security (CMU) or Swiss insurance (LAMal)? Rates and advice. https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland Wed, 16 Sep 2026 12:00:00 GMT CSG-CRDS, the 8% health contribution, boxes 6DD and 8SH: what a Swiss cross-border worker living in France really pays on salary and assets in 2026. https://www.ibani.com/en/guides/multi-currency-payroll-international-team https://www.ibani.com/en/guides/multi-currency-payroll-international-team Wed, 16 Sep 2026 12:00:00 GMT Can a Swiss company pay a salary in euros? What the Federal Supreme Court held, which minimum wage applies after conversion, and the four possible set-ups. https://www.ibani.com/en/guides/expat-living-abroad https://www.ibani.com/en/guides/expat-living-abroad Tue, 15 Sep 2026 12:00:00 GMT Procedures, cost of living, and financial advice for a successful move abroad, regardless of your destination. https://www.ibani.com/en/guides/expat-settling-in-switzerland https://www.ibani.com/en/guides/expat-settling-in-switzerland Tue, 15 Sep 2026 12:00:00 GMT Prepare your arrival in Switzerland. Everything about the cost of living, house hunting, and the transport system. https://www.ibani.com/en/guides/leaving-switzerland-checklist https://www.ibani.com/en/guides/leaving-switzerland-checklist Tue, 15 Sep 2026 12:00:00 GMT Leaving Switzerland in 2026: departure notification, 2nd pillar, OASI, 3rd pillar, C permit. Four decisions must be made before you go. The full timeline. https://www.ibani.com/en/guides/chf-eur-exchange-rate-forecast https://www.ibani.com/en/guides/chf-eur-exchange-rate-forecast Mon, 14 Sep 2026 12:00:00 GMT 14 September 2026 update: EUR/CHF climbs to 0.9451, its highest of the year. Why the ECB hike lifted the euro, and what it costs a CHF 5,000 salary. https://www.ibani.com/en/guides/expat-expat-finance https://www.ibani.com/en/guides/expat-expat-finance Mon, 14 Sep 2026 12:00:00 GMT Opening a bank account upon arrival in Switzerland. Managing currency exchange and international transfers. https://www.ibani.com/en/guides/how-to-invest-in-switzerland https://www.ibani.com/en/guides/how-to-invest-in-switzerland Mon, 14 Sep 2026 12:00:00 GMT Discover how to invest in Switzerland: taxation, stock market, real estate, and atypical investments (watchmaking, gold, freeports). Expert and updated guide. https://www.ibani.com/en/guides/business-switzerland-company-creation-management https://www.ibani.com/en/guides/business-switzerland-company-creation-management Fri, 04 Sep 2026 12:00:00 GMT Founding, managing or merging your company in Switzerland: capital transfer, administrative procedures and domiciliation for residents and foreigners. https://www.ibani.com/en/guides/qonto-alternatives-swiss-company https://www.ibani.com/en/guides/qonto-alternatives-swiss-company Fri, 04 Sep 2026 12:00:00 GMT Qonto only opens in eight countries, and Switzerland is not one of them. Capital deposit, Swiss IBAN, FX cost: what each alternative actually covers. https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo Fri, 04 Sep 2026 12:00:00 GMT Deductible of 300 or 2,500, family doctor, HMO or Telmed: the exact care spend at which a high deductible stops paying, and when you may switch. https://www.ibani.com/en/guides/cross-border-worker-banking-finance https://www.ibani.com/en/guides/cross-border-worker-banking-finance Thu, 03 Sep 2026 12:00:00 GMT How to open a bank account in Switzerland? How to exchange CHF to EUR at the best rate? Expert guides for your cross-border finances. https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers Thu, 03 Sep 2026 12:00:00 GMT Cross-border worker or new resident: how to open a Swiss bank account in 2026. Non-resident fees, Swiss IBAN, required documents and 13 institutions compared. https://www.ibani.com/en/guides/withholding-tax-tariff-codes-switzerland https://www.ibani.com/en/guides/withholding-tax-tariff-codes-switzerland Tue, 01 Sep 2026 12:00:00 GMT Tariff A, B, C, H, the German codes L, M, N, P, Q or the Italian R to V: what the letter of your withholding tax code changes on your Swiss payslip. https://www.ibani.com/en/guides/vested-benefits-account-switzerland https://www.ibani.com/en/guides/vested-benefits-account-switzerland Mon, 31 Aug 2026 12:00:00 GMT Contributions, limits, withdrawal conditions and tax: a costed comparison of bank accounts, securities foundations and vested benefits policies in Switzerland. https://www.ibani.com/en/guides/open-bank-account-hong-kong-digital-banks https://www.ibani.com/en/guides/open-bank-account-hong-kong-digital-banks Fri, 28 Aug 2026 12:00:00 GMT Traditional or digital banks (ZA Bank, Mox) in Hong Kong: who can open what, the HKID constraint, the real timelines and the cost of converting into francs. https://www.ibani.com/en/guides/international-student-switzerland https://www.ibani.com/en/guides/international-student-switzerland Thu, 27 Aug 2026 12:00:00 GMT The ultimate guide for international students. Paying tuition fees from abroad, student permits, housing, and finding a job in Switzerland. https://www.ibani.com/en/guides/international-student-switzerland-international-finance https://www.ibani.com/en/guides/international-student-switzerland-international-finance Thu, 27 Aug 2026 12:00:00 GMT How to pay tuition fees from abroad with low fees? Opening a non-resident account and managing EUR/CHF exchange. https://www.ibani.com/en/guides/scholarships-financial-aid-international-students-switzerland https://www.ibani.com/en/guides/scholarships-financial-aid-international-students-switzerland Thu, 27 Aug 2026 12:00:00 GMT ESKAS grants, EPFL and ETH Zurich fellowships, cantonal aid: who actually qualifies on a student permit, how much they pay in 2026 and when to apply. https://www.ibani.com/en/guides/cross-border-inheritance-switzerland-which-law-applies https://www.ibani.com/en/guides/cross-border-inheritance-switzerland-which-law-applies Wed, 26 Aug 2026 12:00:00 GMT Death in Switzerland or abroad: which law governs the estate, which forced heirship rules apply, and who taxes what in France, Germany, Italy, Spain and Portugal. https://www.ibani.com/en/guides/geneva-withholding-tax-correction-cross-border-workers https://www.ibani.com/en/guides/geneva-withholding-tax-correction-cross-border-workers Tue, 25 Aug 2026 12:00:00 GMT DRIS or TOU in Geneva: every case in which a cross-border worker must correct their withholding tax before 31 March, and how much is really refundable in 2026. https://www.ibani.com/en/guides/hkd-us-dollar-peg-explained https://www.ibani.com/en/guides/hkd-us-dollar-peg-explained Mon, 24 Aug 2026 12:00:00 GMT The Hong Kong dollar has been pegged to the US dollar between 7.75 and 7.85 since 2005. How the currency board works, and what it does to your Swiss francs. https://www.ibani.com/en/guides/business-switzerland-import-export-trade https://www.ibani.com/en/guides/business-switzerland-import-export-trade Thu, 20 Aug 2026 12:00:00 GMT Understanding Swiss VAT (MWST) for import/export. Invoicing in foreign currencies and managing financial logistics flows. https://www.ibani.com/en/guides/international-trading-singapore-legal-framework https://www.ibani.com/en/guides/international-trading-singapore-legal-framework Thu, 20 Aug 2026 12:00:00 GMT Trading via Singapore: bills of lading, uncapped letters of indemnity, electronic title recognised since 2021, and the Swiss rules that still apply. https://www.ibani.com/en/guides/repatriating-capital-end-of-assignment-hong-kong https://www.ibani.com/en/guides/repatriating-capital-end-of-assignment-hong-kong Fri, 14 Aug 2026 12:00:00 GMT End of assignment in Hong Kong: IR56G tax clearance, MPF withdrawal, real transfer times for HKD to Switzerland and the AMLA framework on arrival. https://www.ibani.com/en/guides/become-freelance-switzerland-resident-abroad https://www.ibani.com/en/guides/become-freelance-switzerland-resident-abroad Thu, 13 Aug 2026 12:00:00 GMT OASI status, sole proprietorship or GmbH, the two CHF 100,000 thresholds, 8.1% VAT: how to start freelancing in Switzerland or invoice from abroad. https://www.ibani.com/en/guides/13th-month-salary-switzerland-rules-calculation https://www.ibani.com/en/guides/13th-month-salary-switzerland-rules-calculation Wed, 12 Aug 2026 12:00:00 GMT No federal law requires a 13th month salary, yet 75.9% of employees receive one. Legal qualification, pro rata on departure, withholding tax and 2026 pitfalls. https://www.ibani.com/en/guides/getting-married-switzerland-foreigners-procedure https://www.ibani.com/en/guides/getting-married-switzerland-foreigners-procedure Tue, 11 Aug 2026 12:00:00 GMT Preparatory procedure, legalised documents, lawful residence, a three-month window and real costs: how to marry in Switzerland as a foreigner in 2026, tax included. https://www.ibani.com/en/guides/cross-border-worker-pension-pillars https://www.ibani.com/en/guides/cross-border-worker-pension-pillars Mon, 10 Aug 2026 12:00:00 GMT Understand the Swiss retirement system. 1st pillar (OASI), 2nd pillar (LPP), and 3rd pillar: contributions and repatriation explained. https://www.ibani.com/en/guides/expat-social-pension https://www.ibani.com/en/guides/expat-social-pension Mon, 10 Aug 2026 12:00:00 GMT Understand Swiss social security. Unemployment insurance, family allowances, and the pension system for expats. https://www.ibani.com/en/guides/lpp-employers-foreign-workers https://www.ibani.com/en/guides/lpp-employers-foreign-workers Mon, 10 Aug 2026 12:00:00 GMT Expert 2026 guide for Swiss employers on LPP affiliation for foreign workers (Cross-border, G Permit, B Permit). Thresholds, contributions, and rules.