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.

Expert guide for Singaporean citizens: visa exemption, immigration procedures, study permits, obtaining a work permit, and settling in Switzerland.
Updated on: 24 April 2026

B2B Guide: How Swiss and international companies can optimize foreign currency purchases and manage account-to-account transfers to reduce bank fees.
Updated on: 24 April 2026

Complete breakdown of the conditions (Scale 44, Average Annual Income, Splitting) to reach the AHV pension ceiling of 2,450 CHF and optimize its repatriation abroad.
Updated on: 16 April 2026

Expert guide on relocating to Switzerland: FOCBS customs, permits, KVG/LAMal, vehicles, the 10M Switzerland vote, and tips for transferring your funds without hidden fees.
Updated on: 9 April 2026

Legal guide for freelancers in Switzerland. How to invoice your first clients without AHV/OASI status, get recognized, and manage VAT exemption (VAT Act).
Updated on: 8 April 2026
April 2026 Update: After a historic peak in March, the EUR/CHF rate rises to 0.924. Discover the impact of this rebound on your Swiss salary.
Updated on: 7 April 2026

Students in Switzerland or cross-border: discover our 2026 comparison of the best banks and neobanks (UBS, Yuh, BCV). Avoid hidden fees and find the ideal free offer.
Updated on: 2 April 2026

Comprehensive guide to importing a car to Switzerland. Exemption (form 18.44), customs duties (13.20A), vehicle inspection, and obtaining Swiss license plates.
Updated on: 1 April 2026

2026 Guide for expats: How to open and fund a Swiss rent guarantee account from Europe without hidden exchange fees.
Updated on: 1 April 2026

Expert guide for cross-border workers: calculating borrowing capacity (HCSF), CHF salary haircut, and choosing between a foreign currency loan and a EUR loan.
Updated on: 1 April 2026

B2B Guide: How Swiss companies can optimize dividend payments to foreign shareholders against withholding tax (FTA) and exchange rate risk.
Updated on: 31 March 2026

Expert guide for foreign graduates in Switzerland. Procedures, legal conditions (FNIA), and deadlines for converting a student B permit to a work permit.
Updated on: 31 March 2026
Factual analysis of the EUR/CHF exchange rate. Why exchanging a Swiss cross-border salary mid-month is not more advantageous than at the end of the month.
Updated on: 27 March 2026

Expert 2026 guide for Swiss employers on LPP affiliation for foreign workers (Cross-border, G Permit, B Permit). Thresholds, contributions, and rules.
Updated on: 26 March 2026
Discover our 2026 comparison: what is the best alternative to change your currencies online between a bank, a multi-currency account, and an intermediary like ibani?
Updated on: 26 March 2026

Expert guide 2026: Discover the taxation of Swiss Real Estate Companies (SI) for non-resident investors and optimize the repatriation of your rental yields.
Updated on: 18 March 2026

Cross-border worker or newcomer to Geneva? Discover the transport solutions for 2026 (Léman Express, free TPG for youth, bikes) to ease your commute.
Updated on: 18 March 2026

Swiss SMEs: discover the FTA rules to finance your subsidiary abroad and optimize your foreign exchange flows.
Updated on: 18 March 2026

TWINT Prepaid now requires a Swiss address. Discover how cross-border workers can continue to use TWINT for free via Yuh or Yapeal in 2026.
Updated on: 17 March 2026

Discover the exact methodology to land a job in Switzerland in 2026. Complete guide on the Swiss CV format, application dossier, and essential job boards.
Updated on: 17 March 2026

Swiss Job Market Barometer 2026: Discover the sectors facing talent shortages, the Top 10 most in-demand jobs, and their average salaries.
Updated on: 17 March 2026

Discover OASI, Caisse de Pension (LPP), and 3rd pillar (3a) in Switzerland for 2026. Updated amounts, 13th AVS payment, and expert tax strategies.
Updated on: 17 March 2026

Entrepreneurs: discover how to transfer your capital, invoice as a sole trader (AHV), and manage VAT for small turnovers in 2026.
Updated on: 17 March 2026

Accountants and CFOs: Master exchange gain and loss entries across Europe. Discover how to automate the bank reconciliation of your cross-border invoices.
Updated on: 17 March 2026

Discover the 2026 priority rules, cantonal amounts (Geneva, Vaud), and how to get the Differential Allowance (ADI) with the E411 form.
Updated on: 16 March 2026

Discover the exact method to easily calculate an exchange rate. Learn to spot hidden bank margins and optimize your CHF/EUR currency conversions.
Updated on: 6 March 2026

Expert guide on the Swiss LPP (BVG). Calculate your capital with our interactive simulator. Discover coordination deduction rules, WEF, and cross-border withdrawal taxation.
Updated on: 4 March 2026

2026 expert guide on cross-border invoicing between Switzerland and Europe. VAT rules, accounting entries, foreign exchange risk, and collection solutions.
Updated on: 3 March 2026

Complete 2026 guide for international students in Switzerland: procedures, financial proof, obtaining and renewing B and L permits.
Updated on: 2 March 2026

Discover how Swiss SMEs can drastically reduce their bank fees and optimize the payment of their international suppliers.
Updated on: 26 February 2026

Everything you need to know about maternity (14 weeks) and paternity (2 weeks) leave in Switzerland for cross-border workers. Conditions, allowances, and procedures.
Updated on: 26 February 2026

Expert guide on quasi-resident status (SOA) in Switzerland. Calculate the 90% rule, discover all deductions (3a, mortgage interests), and avoid the pitfalls.
Updated on: 20 February 2026

Expert guide: using your Swiss 2nd pillar (BVG/LPP) to buy a house abroad. Conditions, international taxes, and optimizing the exchange rate.
Updated on: 20 February 2026

Discover the 2026 updates for obtaining a Swiss G Permit. Easy-Gov procedures, 40 percent telework rule, validity, and official administration links.
Updated on: 20 February 2026

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.
Updated on: 19 February 2026

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.
Updated on: 18 February 2026

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.
Updated on: 18 February 2026

Discover how to build the perfect rental application to rent an apartment in Switzerland in 2026. Real estate websites, students, debt register, and deposit.
Updated on: 17 February 2026

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.
Updated on: 16 February 2026

Cross-border worker or new resident? Discover the best Swiss banks in 2026. Comparison of non-resident fees, required documents, and fee-free alternatives.
Updated on: 16 February 2026
Discover an expert analysis of the macroeconomic and historical factors influencing the EUR/CHF exchange rate. Inflation, interest rates, safe haven, and SNB.
Updated on: 16 February 2026
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.
Updated on: 16 February 2026

Managing cross-border teams in Switzerland: Compliance guide for France (40%), Germany, and Italy. Social security limits, A1 certificate, and tax risks explained.
Updated on: 13 February 2026

Studying and working in Switzerland? Complete 2026 guide: minimum wages, 15-hour rule, B permit, and EU vs Non-EU differences for students.
Updated on: 13 February 2026

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.
Updated on: 13 February 2026

Student at EHL, EPFL, or UNIL? Discover how to pay your tuition fees in Switzerland without losing money on bank fees and exchange rates.
Updated on: 12 February 2026

Ultimate 2026 Tax Guide for Swiss cross-border workers living in France, Germany, or Italy. Double taxation rules, forms, teleworking limits, and exchange rates.
Updated on: 12 February 2026

Everything you need to know about OASI: Understand how the first pillar of Swiss retirement works and its benefits.
Updated on: 11 February 2026

Exclusive Ibani Analysis Jan 2026: Despite moderate Swiss wage hikes (+1%), the exchange rate offers record purchasing power gains to cross-border workers.
Updated on: 16 January 2026
Swiss salary guide 2026: Average income by job, Geneva minimum wage (24.59 CHF/h), and net salary calculator for cross-border workers.
Updated on: 15 January 2026

Resignation, probation, mutual termination: rules, notice periods and practical tips.
Updated on: 29 September 2025

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.
Updated on: 22 August 2025

Discover the advantages and disadvantages of locking the Swiss franc exchange rate and discover alternative solutions.
Updated on: 11 June 2025
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.
Updated on: 17 April 2025

📈 Discover how and why to invest in Switzerland, the best investments, and tips for beginners. Start here!
Updated on: 10 January 2025

OASI, IV, EO, OP... Let's break down your Swiss paycheck together and calculate your net salary with our practical guide.
Updated on: 13 December 2024

Learn about Switzerland’s 2nd pillar (OP): benefits, workings, and withdrawal options. A complete guide to secure your retirement.
Updated on: 31 October 2024

Thinking of moving to Switzerland? Learn all about the key steps, from finding accommodation to handling finances, in our complete guide.
Updated on: 10 October 2024

You are a cross-border worker in Switzerland and your employer just fired you? Know your rights and the procedure to follow.
Updated on: 11 July 2024
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