Guides

Welcome on ibani's blog! We make guides and articles with useful information for expats and cross-border workers about life, work and banking in Switzerland, and of course about currency exchange and money transfers.

EUR/CHF Forecast 2026: The Franc tests 0.90 amid geopolitical crises

EUR/CHF Forecast 2026: The Franc tests 0.90 amid geopolitical crises

March 2026 Update: The EUR/CHF rate drops toward 0.90. Discover how the Middle East conflict strengthens the Swiss Franc and impacts your cross-border salary.

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Updated on: 12 March 2026

How to calculate an exchange rate? Formulas and Tools

How to calculate an exchange rate? Formulas and Tools

Discover the exact method to easily calculate an exchange rate. Learn to spot hidden bank margins and optimize your CHF/EUR currency conversions.

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Updated on: 6 March 2026

Swiss LPP (2nd Pillar): 2026 Simulator, Taxation & Expert Withdrawal Guide

Swiss LPP (2nd Pillar): 2026 Simulator, Taxation & Expert Withdrawal Guide

Expert guide on the Swiss LPP (BVG). Calculate your capital with our interactive simulator. Discover coordination deduction rules, WEF, and cross-border withdrawal taxation.

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Updated on: 4 March 2026

B2B Invoicing Switzerland - EU: VAT, Accounting, and FX (2026 Guide)

B2B Invoicing Switzerland - EU: VAT, Accounting, and FX (2026 Guide)

2026 expert guide on cross-border invoicing between Switzerland and Europe. VAT rules, accounting entries, foreign exchange risk, and collection solutions.

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Updated on: 3 March 2026

Swiss Student Residence Permit (B / L): 2026 Guide

Swiss Student Residence Permit (B / L): 2026 Guide

Complete 2026 guide for international students in Switzerland: procedures, financial proof, obtaining and renewing B and L permits.

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Updated on: 2 March 2026

Swiss SMEs: How to optimize your foreign supplier payments | 2026 Guide

Swiss SMEs: How to optimize your foreign supplier payments | 2026 Guide

Discover how Swiss SMEs can drastically reduce their bank fees and optimize the payment of their international suppliers.

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Updated on: 26 February 2026

Maternity and Paternity Leave in Switzerland for Cross-Border Workers | 2026 Guide

Maternity and Paternity Leave in Switzerland for Cross-Border Workers | 2026 Guide

Everything you need to know about maternity (14 weeks) and paternity (2 weeks) leave in Switzerland for cross-border workers. Conditions, allowances, and procedures.

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Updated on: 26 February 2026

Quasi-Resident Status in Switzerland: Pay Less Taxes

Quasi-Resident Status in Switzerland: Pay Less Taxes

Expert guide on quasi-resident status (SOA) in Switzerland. Calculate the 90% rule, discover all deductions (3a, mortgage interests), and avoid the pitfalls.

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Updated on: 20 February 2026

Withdraw 2nd Pillar (BVG) to buy property abroad

Withdraw 2nd Pillar (BVG) to buy property abroad

Expert guide: using your Swiss 2nd pillar (BVG/LPP) to buy a house abroad. Conditions, international taxes, and optimizing the exchange rate.

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Updated on: 20 February 2026

Swiss G Permit: The Complete Guide for Cross-Border Workers (2026)

Swiss G Permit: The Complete Guide for Cross-Border Workers (2026)

Discover the 2026 updates for obtaining a Swiss G Permit. Easy-Gov procedures, 40 percent telework rule, validity, and official administration links.

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Updated on: 20 February 2026

International Student Budget in Switzerland 2026 (EPFL, ETHZ)

International Student Budget in Switzerland 2026 (EPFL, ETHZ)

Discover the real monthly budget of a foreign student in Switzerland (EPFL, ETHZ, Universities), the cost of living, and how to avoid international bank fees.

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Updated on: 19 February 2026

What does LAMal cover in France, Germany & Italy? The S1 Form

What does LAMal cover in France, Germany & Italy? The S1 Form

Discover what the Swiss health insurance (LAMal/KVG) actually covers for cross-border workers. Expert explanation of the S1 form, franchise, and local EU coverage.

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Updated on: 18 February 2026

Ibani Champion: Automate your Swiss bill payments

Ibani Champion: Automate your Swiss bill payments

Discover how to use ibani to automatically pay your LAMal/KVG or Swiss bills directly from your CHF salary, in automatic or manual exchange mode.

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Updated on: 18 February 2026

Renting an Apartment in Switzerland: The Ultimate Guide

Renting an Apartment in Switzerland: The Ultimate Guide

Discover how to build the perfect rental application to rent an apartment in Switzerland in 2026. Real estate websites, students, debt register, and deposit.

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Updated on: 17 February 2026

Transferring Your Swiss Salary Abroad in 2026: The Expert Guide

Transferring Your Swiss Salary Abroad in 2026: The Expert Guide

Discover the most cost-effective method to transfer your Swiss salary to your home country in 2026. Avoid hidden bank fees, the spread, and optimize your exchange rate.

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Updated on: 16 February 2026

Opening a Swiss Bank Account in 2026: The Expert Guide

Opening a Swiss Bank Account in 2026: The Expert Guide

Cross-border worker or new resident? Discover the best Swiss banks in 2026. Comparison of non-resident fees, required documents, and fee-free alternatives.

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Updated on: 16 February 2026

EUR/CHF: The macroeconomic factors influencing the exchange rate

EUR/CHF: The macroeconomic factors influencing the exchange rate

Discover an expert analysis of the macroeconomic and historical factors influencing the EUR/CHF exchange rate. Inflation, interest rates, safe haven, and SNB.

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Updated on: 16 February 2026

Swiss Cross-Border Worker 2026: 12 Key Things You Need to Know

Swiss Cross-Border Worker 2026: 12 Key Things You Need to Know

Want to become a Swiss cross-border worker in 2026? Learn everything: G permit, taxes, telework rules for FR/DE/IT, healthcare, and currency exchange.

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Updated on: 16 February 2026

Swiss Cross-Border Telework 2026: The Ultimate Comparative Guide (FR/DE/IT)

Swiss Cross-Border Telework 2026: The Ultimate Comparative Guide (FR/DE/IT)

Managing cross-border teams in Switzerland: Compliance guide for France (40%), Germany, and Italy. Social security limits, A1 certificate, and tax risks explained.

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Updated on: 13 February 2026

Student Jobs and Internships in Switzerland: Salaries & Permits 2026

Student Jobs and Internships in Switzerland: Salaries & Permits 2026

Studying and working in Switzerland? Complete 2026 guide: minimum wages, 15-hour rule, B permit, and EU vs Non-EU differences for students.

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Updated on: 13 February 2026

Student Health Insurance Switzerland: How to pay 80 CHF instead of 400 CHF? | 2026 Guide

Student Health Insurance Switzerland: How to pay 80 CHF instead of 400 CHF? | 2026 Guide

Don't pay full price! Expert guide for international students: how to get the LAMal exemption and save up to 3,000 CHF per year on your health insurance.

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Updated on: 13 February 2026

Paying Tuition Fees in Switzerland from Abroad: The 2026 Guide

Paying Tuition Fees in Switzerland from Abroad: The 2026 Guide

Student at EHL, EPFL, or UNIL? Discover how to pay your tuition fees in Switzerland without losing money on bank fees and exchange rates.

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Updated on: 12 February 2026

Cross-Border Worker Taxes in Switzerland 2026: The Complete Guide

Cross-Border Worker Taxes in Switzerland 2026: The Complete Guide

Ultimate 2026 Tax Guide for Swiss cross-border workers living in France, Germany, or Italy. Double taxation rules, forms, teleworking limits, and exchange rates.

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Updated on: 12 February 2026

Finding a Job in Switzerland: The Complete Guide (2026)

Finding a Job in Switzerland: The Complete Guide (2026)

Updated guide for 2026: Salaries, labor shortages, and tips for expats. Discover how to land a job in Switzerland quickly with our expert advice.

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Updated on: 11 February 2026

Guide to OASI: Old Age and Survivors' Insurance in Switzerland

Guide to OASI: Old Age and Survivors' Insurance in Switzerland

Everything you need to know about OASI: Understand how the first pillar of Swiss retirement works and its benefits.

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Updated on: 11 February 2026

2026 Study: Cross-Border Purchasing Power Increases by 3% | Ibani

2026 Study: Cross-Border Purchasing Power Increases by 3% | Ibani

Exclusive Ibani Analysis Jan 2026: Despite moderate Swiss wage hikes (+1%), the exchange rate offers record purchasing power gains to cross-border workers.

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Updated on: 16 January 2026

Average Salary Switzerland 2026: Jobs, Cantons & Minimum Wage

Average Salary Switzerland 2026: Jobs, Cantons & Minimum Wage

Swiss salary guide 2026: Average income by job, Geneva minimum wage (24.59 CHF/h), and net salary calculator for cross-border workers.

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Updated on: 15 January 2026

TWINT Without a Swiss Bank Account: Is It Possible? 2026 Guide

TWINT Without a Swiss Bank Account: Is It Possible? 2026 Guide

Don't have a Swiss account but want TWINT? Discover the 'Prepaid' method and how to manage your money smartly between TWINT and ibani.

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Updated on: 14 January 2026

Quitting a Job in Switzerland: A Guide for Cross-Border Workers

Quitting a Job in Switzerland: A Guide for Cross-Border Workers

Resignation, probation, mutual termination: rules, notice periods and practical tips.

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Updated on: 29 September 2025

The 5 mistakes new Swiss cross‑border workers should avoid

The 5 mistakes new Swiss cross‑border workers should avoid

New to working in Switzerland as a cross-border commuter? Avoid these 5 costly mistakes: bank spreads, hidden fees, bad timing, unclear forward contracts, and ignoring digital options. Practical tips to save money every month.

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Updated on: 22 August 2025

Locking the exchange rate: A good or bad idea?

Locking the exchange rate: A good or bad idea?

Discover the advantages and disadvantages of locking the Swiss franc exchange rate and discover alternative solutions.

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Updated on: 11 June 2025

Guide to the best CHF-EUR exchange rates

Guide to the best CHF-EUR exchange rates

Discover our comparison of CHF-EUR exchange services and start saving money today.

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Updated on: 25 April 2025

Cross-Border Health Insurance: LAMal or Home Country?

Cross-Border Health Insurance: LAMal or Home Country?

Should you choose Swiss health insurance (LAMal) or stay covered in your home country? Discover the pros, cons, and best option for cross-border workers in 2025.

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Updated on: 17 April 2025

How to invest in Switzerland: The complete guide

How to invest in Switzerland: The complete guide

📈 Discover how and why to invest in Switzerland, the best investments, and tips for beginners. Start here!

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Updated on: 10 January 2025

Guide: How to change currencies online

Guide: How to change currencies online

Save time, significant savings, easy transactions: discover how to change your currencies online quickly and easily without using your bank.

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Updated on: 1 October 2025

Understand Your Swiss Paycheck

Understand Your Swiss Paycheck

OASI, IV, EO, OP... Let's break down your Swiss paycheck together and calculate your net salary with our practical guide.

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Updated on: 13 December 2024

Swiss 2nd Pillar Guide (OP)

Swiss 2nd Pillar Guide (OP)

Learn about Switzerland’s 2nd pillar (OP): benefits, workings, and withdrawal options. A complete guide to secure your retirement.

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Updated on: 31 October 2024

Top Job Opportunities in Switzerland in 2025

Top Job Opportunities in Switzerland in 2025

Discover the top job opportunities in Switzerland for 2025. Explore in-demand professions, key industries, and strategies to grow your career.

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Updated on: 22 October 2024

Moving to Switzerland: A Complete Guide

Moving to Switzerland: A Complete Guide

Thinking of moving to Switzerland? Learn all about the key steps, from finding accommodation to handling finances, in our complete guide.

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Updated on: 10 October 2024

Geneva transports guide: Simplify your daily commute

Geneva transports guide: Simplify your daily commute

New to Geneva? Check out our guide to make your daily commute between home and work easier with the region's transport options.

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Updated on: 11 July 2024

Understanding the Swiss three-pillar pension system

Understanding the Swiss three-pillar pension system

Explore the Swiss three-pillar pension system in depth. Learn how it operates and how you can benefit from it.

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Updated on: 11 July 2024

Getting fired in Switzerland, what are your rights?

Getting fired in Switzerland, what are your rights?

You are a cross-border worker in Switzerland and your employer just fired you? Know your rights and the procedure to follow.

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Updated on: 11 July 2024

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