--- title: "Guides & tips for living between two countries" url: https://www.ibani.com/en/guides lang: en --- ibani resource centre # Guides & tips for living between two countries 100+ expert guides for cross-border workers, expats, students and businesses: permits, taxation, insurance, pensions and CHF/EUR exchange. Updated weekly. ## All guides [![Sending money to family abroad from Switzerland](https://www.ibani.com/images/envoyer-argent-famille-etranger-depuis-suisse.png)](https://www.ibani.com/en/guides/sending-money-family-abroad-from-switzerland) ### [Sending money to family abroad from Switzerland](https://www.ibani.com/en/guides/sending-money-family-abroad-from-switzerland) Sending money to your family from Switzerland: what the intermediary checks, when you must justify a transfer, gifts, exchange controls and the real cost. [Read article](https://www.ibani.com/en/guides/sending-money-family-abroad-from-switzerland) Updated on: 27 October 2026 [![Buying in Switzerland as a foreigner: the Lex Koller](https://www.ibani.com/images/acheter-immobilier-suisse-etranger-lex-koller.png)](https://www.ibani.com/en/guides/buying-property-switzerland-foreigner-lex-koller) ### [Buying in Switzerland as a foreigner: the Lex Koller](https://www.ibani.com/en/guides/buying-property-switzerland-foreigner-lex-koller) Cross-border worker, expat or European living outside Switzerland: who can buy a home in Switzerland without authorisation, quotas by canton, the 2026 reform. [Read article](https://www.ibani.com/en/guides/buying-property-switzerland-foreigner-lex-koller) Updated on: 26 October 2026 [![EUR/CHF Forecast October 2026: the Euro at 0.9227 Before the ECB](https://www.ibani.com/images/ibani-chf-eur-thumbnail-large.jpg)](https://www.ibani.com/en/guides/chf-eur-exchange-rate-forecast) ### [EUR/CHF Forecast October 2026: the Euro at 0.9227 Before the ECB](https://www.ibani.com/en/guides/chf-eur-exchange-rate-forecast) 26 October 2026 update: EUR/CHF falls back to 0.9227, the French-German yield spread has reached 168 points; the ECB decides on Thursday 29 October. [Read article](https://www.ibani.com/en/guides/chf-eur-exchange-rate-forecast) Updated on: 26 October 2026 [![GBP/CHF Forecast: 1.1020 Ahead of the 28 October 2026 Budget](https://www.ibani.com/images/prevision-change-chf-gbp.png)](https://www.ibani.com/en/guides/chf-gbp-exchange-rate-forecast) ### [GBP/CHF Forecast: 1.1020 Ahead of the 28 October 2026 Budget](https://www.ibani.com/en/guides/chf-gbp-exchange-rate-forecast) Updated 26 October 2026: the pound is worth 1.1020 francs, +1.0% since 2 October. Budget on 28 October, Bank of England on 5 November: our scenarios. [Read article](https://www.ibani.com/en/guides/chf-gbp-exchange-rate-forecast) Updated on: 26 October 2026 [![USD/CHF Forecast October 2026: the Dollar at 0.82 Before the Fed](https://www.ibani.com/images/prevision-change-chf-usd.png)](https://www.ibani.com/en/guides/chf-usd-exchange-rate-forecast) ### [USD/CHF Forecast October 2026: the Dollar at 0.82 Before the Fed](https://www.ibani.com/en/guides/chf-usd-exchange-rate-forecast) October 26, 2026 update: the dollar falls back to 0.8244 franc despite US inflation at 3.7%. The Fed decides on Wednesday, October 28 at 7 pm Swiss time. [Read article](https://www.ibani.com/en/guides/chf-usd-exchange-rate-forecast) Updated on: 26 October 2026 [![Existing or new Italian cross-border worker: which tax?](https://www.ibani.com/images/frontaliers-italiens-suisse-regime-fiscal.png)](https://www.ibani.com/en/guides/italian-cross-border-worker-old-new-tax-regime) ### [Existing or new Italian cross-border worker: which tax?](https://www.ibani.com/en/guides/italian-cross-border-worker-old-new-tax-regime) Resident of Italy employed in Ticino, Graubünden or Valais: how to tell whether you are an existing or a new cross-border worker, and what each regime makes you pay. [Read article](https://www.ibani.com/en/guides/italian-cross-border-worker-old-new-tax-regime) Updated on: 23 October 2026 [![CSG-CRDS for Cross-Border Workers 2026: Who Pays What](https://www.ibani.com/images/csg-crds-frontalier-suisse-cotisation-maladie.png)](https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland) ### [CSG-CRDS for Cross-Border Workers 2026: Who Pays What](https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland) 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. [Read article](https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland) Updated on: 22 October 2026 [![Cross-border worker taxes in Switzerland: who taxes you](https://www.ibani.com/images/frontalier-suisse-impot.png)](https://www.ibani.com/en/guides/cross-border-worker-taxes-switzerland) ### [Cross-border worker taxes in Switzerland: who taxes you](https://www.ibani.com/en/guides/cross-border-worker-taxes-switzerland) Who taxes you? 8 cantons with no withholding for France, teleworking capped at 40% (France) or 25% (Italy), commuting on at least 20% of days (Germany). [Read article](https://www.ibani.com/en/guides/cross-border-worker-taxes-switzerland) Updated on: 22 October 2026 [![Cross-Border Inheritance 2026: Swiss or Foreign Law?](https://www.ibani.com/images/heritage-transfrontalier-suisse-france-loi-applicable.png)](https://www.ibani.com/en/guides/cross-border-inheritance-switzerland-which-law-applies) ### [Cross-Border Inheritance 2026: Swiss or Foreign Law?](https://www.ibani.com/en/guides/cross-border-inheritance-switzerland-which-law-applies) 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. [Read article](https://www.ibani.com/en/guides/cross-border-inheritance-switzerland-which-law-applies) Updated on: 22 October 2026 [![Cross-Border Health Insurance 2025/2026: LAMal vs. Home Country](https://www.ibani.com/images/ibani-insurance-og.jpg)](https://www.ibani.com/en/guides/crossborder-worker-insurance) ### [Cross-Border Health Insurance 2025/2026: LAMal vs. Home Country](https://www.ibani.com/en/guides/crossborder-worker-insurance) Should you choose Swiss health insurance (LAMal) or your home country's system (CMU, GKV, SSN)? Discover the pros, cons, and our multi-country cost simulator. [Read article](https://www.ibani.com/en/guides/crossborder-worker-insurance) Updated on: 22 October 2026 [![Swiss 2nd pillar (OP) 2026: figures, pension and withdrawal](https://www.ibani.com/images/three-pillar-system-og-image.jpg)](https://www.ibani.com/en/guides/op-the-swiss-pension-fund-system) ### [Swiss 2nd pillar (OP) 2026: figures, pension and withdrawal](https://www.ibani.com/en/guides/op-the-swiss-pension-fund-system) Swiss pension 2026: entry threshold CHF 22,680, coordination deduction CHF 26,460, minimum rate 1.25%, conversion rate 6.8%. Pension or lump sum. [Read article](https://www.ibani.com/en/guides/op-the-swiss-pension-fund-system) Updated on: 22 October 2026 [![Swiss health insurance deductible 2027: the break-even](https://www.ibani.com/images/lamal-modeles-assurance-franchise-telmed-hmo.png)](https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo) ### [Swiss health insurance deductible 2027: the break-even](https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo) 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. [Read article](https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo) Updated on: 20 October 2026 [![Swiss Cross-Border Telework 2026: The Comparative Guide](https://www.ibani.com/images/teletravail-suisse-2026.jpg)](https://www.ibani.com/en/guides/cross-border-telework-switzerland-rules) ### [Swiss Cross-Border Telework 2026: The Comparative Guide](https://www.ibani.com/en/guides/cross-border-telework-switzerland-rules) Managing cross-border teams in Switzerland: Compliance guide for France (40%), Germany, and Italy. Social security limits, A1 certificate, and tax risks explained. [Read article](https://www.ibani.com/en/guides/cross-border-telework-switzerland-rules) Updated on: 20 October 2026 [![The Ultimate Guide for the New Swiss Cross-Border Worker (2026)](https://www.ibani.com/images/ibani-chf-eur-thumbnail.png)](https://www.ibani.com/en/guides/becoming-cross-border-worker-switzerland) ### [The Ultimate Guide for the New Swiss Cross-Border Worker (2026)](https://www.ibani.com/en/guides/becoming-cross-border-worker-switzerland) 2026 guide for the new Swiss cross-border worker: G permit, telework caps (40% FR, 25% IT), right of option, cantonal tax, allowances, FX. [Read article](https://www.ibani.com/en/guides/becoming-cross-border-worker-switzerland) Updated on: 19 October 2026 [![Moving to Dubai: Visas, Admin and Money](https://www.ibani.com/images/expatriation-dubai-emirats-arabes-unis.png)](https://www.ibani.com/en/guides/moving-to-dubai-uae-expat-guide) ### [Moving to Dubai: Visas, Admin and Money](https://www.ibani.com/en/guides/moving-to-dubai-uae-expat-guide) Moving to Dubai in 2026: residence visa, Emirates ID, health cover, real cost of living, what happens to your OASI and Swiss pension, and how to transfer money. [Read article](https://www.ibani.com/en/guides/moving-to-dubai-uae-expat-guide) Updated on: 19 October 2026 [![Hong Kong Profits Tax: rates and cash flow 2026](https://www.ibani.com/images/fiscalite-entreprise-hong-kong-profits-tax.png)](https://www.ibani.com/en/guides/hong-kong-profits-tax-foreign-companies) ### [Hong Kong Profits Tax: rates and cash flow 2026](https://www.ibani.com/en/guides/hong-kong-profits-tax-foreign-companies) Hong Kong Profits Tax in 2026: 8.25% and 16.5% rates, territorial source principle, provisional tax instalments and repatriating profits to Switzerland. [Read article](https://www.ibani.com/en/guides/hong-kong-profits-tax-foreign-companies) Updated on: 19 October 2026 [![Swiss 35% withholding tax: how to get it refunded](https://www.ibani.com/images/impot-anticipe-35-remboursement-non-resident.png)](https://www.ibani.com/en/guides/swiss-withholding-tax-35-refund-non-residents) ### [Swiss 35% withholding tax: how to get it refunded](https://www.ibani.com/en/guides/swiss-withholding-tax-35-refund-non-residents) Swiss dividends and interest cut by 35%: what a resident recovers, and what a non-resident recovers under their country's tax treaty, country by country. [Read article](https://www.ibani.com/en/guides/swiss-withholding-tax-35-refund-non-residents) Updated on: 19 October 2026 [![Investing in Switzerland: The Complete 2026 Guide](https://www.ibani.com/images/ibani-investissement.png)](https://www.ibani.com/en/guides/how-to-invest-in-switzerland) ### [Investing in Switzerland: The Complete 2026 Guide](https://www.ibani.com/en/guides/how-to-invest-in-switzerland) Investing in Switzerland in 2026: stocks, ETFs, pillar 3a, real estate (Lex Koller, end of imputed rental value), atypical investments and tax. Updated guide. [Read article](https://www.ibani.com/en/guides/how-to-invest-in-switzerland) Updated on: 19 October 2026 [![Paying Foreign Suppliers 2026: Swiss SME Guide](https://www.ibani.com/images/paiement-fournisseurs-etrangers.png)](https://www.ibani.com/en/guides/optimize-foreign-supplier-payments-sme) ### [Paying Foreign Suppliers 2026: Swiss SME Guide](https://www.ibani.com/en/guides/optimize-foreign-supplier-payments-sme) Bank spread, SWIFT fees, SEPA vs SWIFT: the complete guide to cutting the cost of paying your suppliers in EUR, USD or GBP from your Swiss SME in 2026. [Read article](https://www.ibani.com/en/guides/optimize-foreign-supplier-payments-sme) Updated on: 19 October 2026 [![Opening a Swiss Bank Account: 2026 Cross-Border Worker Guide](https://www.ibani.com/images/ouvrir-un-compte-bancaire-en-suisse-pour-un-frontalier.png)](https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers) ### [Opening a Swiss Bank Account: 2026 Cross-Border Worker Guide](https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers) Cross-border worker or resident: how to open a Swiss bank account in 2026. Offers with no non-resident fees, Swiss IBAN, documents and 16 accounts compared. [Read article](https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers) Updated on: 19 October 2026 [![Swiss G Permit: The Complete Guide for Cross-Border Workers 2026](https://www.ibani.com/images/permis-g-suisse.png)](https://www.ibani.com/en/guides/swiss-work-permits-g) ### [Swiss G Permit: The Complete Guide for Cross-Border Workers 2026](https://www.ibani.com/en/guides/swiss-work-permits-g) Discover the 2026 updates for obtaining a Swiss G Permit. Easy-Gov procedures, telework thresholds, validity, and official administration links. [Read article](https://www.ibani.com/en/guides/swiss-work-permits-g) Updated on: 19 October 2026 [![Moving to Switzerland: Customs Checklist](https://www.ibani.com/images/ibani-s-installer-en-suisse.jpg)](https://www.ibani.com/en/guides/moving-to-switzerland-checklist) ### [Moving to Switzerland: Customs Checklist](https://www.ibani.com/en/guides/moving-to-switzerland-checklist) Relocating to Switzerland: FOCBS customs, permits, KVG/LAMal, vehicles, the 10M Switzerland vote, and how to transfer your funds without hidden fees. [Read article](https://www.ibani.com/en/guides/moving-to-switzerland-checklist) Updated on: 19 October 2026 [![TWINT without Swiss Address: Cross-Border](https://www.ibani.com/images/ibani-twint-prepaid-tuto.jpg)](https://www.ibani.com/en/guides/twint-without-swiss-bank-account) ### [TWINT without Swiss Address: Cross-Border](https://www.ibani.com/en/guides/twint-without-swiss-bank-account) TWINT Prepaid now requires a Swiss address and Yuh has paused openings outside Switzerland, Austria and Liechtenstein: options for cross-border workers in 2026. [Read article](https://www.ibani.com/en/guides/twint-without-swiss-bank-account) Updated on: 19 October 2026 [![Cross-Border Dividends in Switzerland: Withholding Tax and FX](https://www.ibani.com/images/ibani-dividendes-transfrontaliers-impot-antipe.jpg)](https://www.ibani.com/en/guides/cross-border-dividends-withholding-tax) ### [Cross-Border Dividends in Switzerland: Withholding Tax and FX](https://www.ibani.com/en/guides/cross-border-dividends-withholding-tax) B2B Guide: How Swiss companies can optimize dividend payments to foreign shareholders against withholding tax (FTA) and exchange rate risk. [Read article](https://www.ibani.com/en/guides/cross-border-dividends-withholding-tax) Updated on: 19 October 2026 [![Tax on 2nd pillar capital withdrawals: rates by canton 2026](https://www.ibani.com/images/imposition-capital-2e-pilier-baremes.png)](https://www.ibani.com/en/guides/pension-capital-withdrawal-tax-by-canton) ### [Tax on 2nd pillar capital withdrawals: rates by canton 2026](https://www.ibani.com/en/guides/pension-capital-withdrawal-tax-by-canton) LPP lump sum withdrawal: 5.7% to 9.6% tax on CHF 500,000 in 15 cantonal capitals. 2026 rates, the effect of staggering and the case of non-residents. [Read article](https://www.ibani.com/en/guides/pension-capital-withdrawal-tax-by-canton) Updated on: 15 October 2026 [![LPP buy-in 2026: worth it or not? How to calculate it](https://www.ibani.com/images/rachat-lpp-rentabilite-calcul.png)](https://www.ibani.com/en/guides/lpp-buy-in-worth-it-calculation) ### [LPP buy-in 2026: worth it or not? How to calculate it](https://www.ibani.com/en/guides/lpp-buy-in-worth-it-calculation) Tax saving, investment period, tax on the lump sum: the formula for valuing a 2nd pillar buy-in, the three-year lock-in and the 31 December deadline. [Read article](https://www.ibani.com/en/guides/lpp-buy-in-worth-it-calculation) Updated on: 15 October 2026 [![5 mistakes new Swiss cross-border workers make](https://www.ibani.com/images/5-erreurs-frontalier.png)](https://www.ibani.com/en/guides/5-mistakes-cross-border-worker) ### [5 mistakes new Swiss cross-border workers make](https://www.ibani.com/en/guides/5-mistakes-cross-border-worker) Three months for the right of option, 31 March for the tax correction, 40% telework in France (25% in Italy), EUR 1,500 per undeclared account: five mistakes. [Read article](https://www.ibani.com/en/guides/5-mistakes-cross-border-worker) Updated on: 14 October 2026 [![Pillar 3a for cross-border workers: deductible or not?](https://www.ibani.com/images/troisieme-pilier-3a-frontalier-deduction.png)](https://www.ibani.com/en/guides/pillar-3a-cross-border-worker-tax-deduction) ### [Pillar 3a for cross-border workers: deductible or not?](https://www.ibani.com/en/guides/pillar-3a-cross-border-worker-tax-deduction) Any cross-border worker can open a pillar 3a, but few can deduct it: the rule by country of residence, the 90% TOU test and how the withdrawal is taxed. [Read article](https://www.ibani.com/en/guides/pillar-3a-cross-border-worker-tax-deduction) Updated on: 11 October 2026 [![Health insurance in retirement: LAMal or country of residence?](https://www.ibani.com/images/assurance-maladie-retraite-frontalier-fin-droit-option.png)](https://www.ibani.com/en/guides/health-insurance-retirement-cross-border-worker-right-of-option) ### [Health insurance in retirement: LAMal or country of residence?](https://www.ibani.com/en/guides/health-insurance-retirement-cross-border-worker-right-of-option) Swiss pension only, a French pension too, a third-country pension: who insures you in retirement, when to exercise the right of option again, and at what cost. [Read article](https://www.ibani.com/en/guides/health-insurance-retirement-cross-border-worker-right-of-option) Updated on: 7 October 2026 [![Cross-border worker non-return days: 45 or 60 a year?](https://www.ibani.com/images/jours-non-retour-frontalier-suisse-statut-fiscal.png)](https://www.ibani.com/en/guides/non-return-days-cross-border-worker-switzerland-tax-status) ### [Cross-border worker non-return days: 45 or 60 a year?](https://www.ibani.com/en/guides/non-return-days-cross-border-worker-switzerland-tax-status) 45 nights for a resident of France or Italy, 60 days for a resident of Germany: what counts, what does not, and what exceeding the limit costs. [Read article](https://www.ibani.com/en/guides/non-return-days-cross-border-worker-switzerland-tax-status) Updated on: 2 October 2026 [![Withholding tax: the Swiss employer's obligations](https://www.ibani.com/images/obligations-employeur-impot-source-suisse.png)](https://www.ibani.com/en/guides/swiss-employer-withholding-tax-obligations) ### [Withholding tax: the Swiss employer's obligations](https://www.ibani.com/en/guides/swiss-employer-withholding-tax-obligations) Employers in Switzerland: who to tax at source, which tariff, which deadlines (8 days, 30 days, 31 March), what commission and what penalties. 2026 guide. [Read article](https://www.ibani.com/en/guides/swiss-employer-withholding-tax-obligations) Updated on: 1 October 2026 [![Buying Foreign Currency for Companies](https://www.ibani.com/images/ibani-achat-devises-entreprises.jpg)](https://www.ibani.com/en/guides/buying-foreign-currency-companies) ### [Buying Foreign Currency for Companies](https://www.ibani.com/en/guides/buying-foreign-currency-companies) B2B Guide: How Swiss and international companies can optimize foreign currency purchases and manage account-to-account transfers to reduce bank fees. [Read article](https://www.ibani.com/en/guides/buying-foreign-currency-companies) Updated on: 30 September 2026 [![Buying Property in the Border Zone with a CHF Salary (2026)](https://www.ibani.com/images/ibani-achat-immobilier-frontalier.jpg)](https://www.ibani.com/en/guides/buying-property-border-zone-chf-salary) ### [Buying Property in the Border Zone with a CHF Salary (2026)](https://www.ibani.com/en/guides/buying-property-border-zone-chf-salary) Expert guide for cross-border workers: calculating borrowing capacity (HCSF), CHF salary haircut, and choosing between a foreign currency loan and a EUR loan. [Read article](https://www.ibani.com/en/guides/buying-property-border-zone-chf-salary) Updated on: 30 September 2026 [![Family Allowances: Switzerland vs France, Germany & Italy](https://www.ibani.com/images/ibani-allocations-familiales.jpg)](https://www.ibani.com/en/guides/family-allowances-cross-border) ### [Family Allowances: Switzerland vs France, Germany & Italy](https://www.ibani.com/en/guides/family-allowances-cross-border) 2026 priority rules for cross-border workers in France, Germany or Italy: Swiss cantonal amounts and the differential allowance (ADI, AUU). [Read article](https://www.ibani.com/en/guides/family-allowances-cross-border) Updated on: 30 September 2026 [![Yuh Alternatives for Cross-Border Workers 2026](https://www.ibani.com/images/ibani-alternative-compare.jpg)](https://www.ibani.com/en/guides/yuh-alternatives-cross-border-workers) ### [Yuh Alternatives for Cross-Border Workers 2026](https://www.ibani.com/en/guides/yuh-alternatives-cross-border-workers) Yuh has suspended account openings for cross-border workers in 2026. Discover the best alternatives (Neon, Zak, Wise, Revolut, ibani) to get a Swiss IBAN. [Read article](https://www.ibani.com/en/guides/yuh-alternatives-cross-border-workers) Updated on: 30 September 2026 [![HKD-USD peg: how Hong Kong's currency anchor works](https://www.ibani.com/images/ancrage-hkd-dollar-americain-peg.png)](https://www.ibani.com/en/guides/hkd-us-dollar-peg-explained) ### [HKD-USD peg: how Hong Kong's currency anchor works](https://www.ibani.com/en/guides/hkd-us-dollar-peg-explained) 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. [Read article](https://www.ibani.com/en/guides/hkd-us-dollar-peg-explained) Updated on: 30 September 2026 [![Student Health Insurance Switzerland Guide](https://www.ibani.com/images/assurance-maladie-etudiant-suisse.png)](https://www.ibani.com/en/guides/student-health-insurance-switzerland-savings) ### [Student Health Insurance Switzerland Guide](https://www.ibani.com/en/guides/student-health-insurance-switzerland-savings) 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. [Read article](https://www.ibani.com/en/guides/student-health-insurance-switzerland-savings) Updated on: 30 September 2026 [![Ibani Champion: Automate your Swiss bill payments](https://www.ibani.com/images/ibani-champion-factures.png)](https://www.ibani.com/en/guides/automate-swiss-bill-payments) ### [Ibani Champion: Automate your Swiss bill payments](https://www.ibani.com/en/guides/automate-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. [Read article](https://www.ibani.com/en/guides/automate-swiss-bill-payments) Updated on: 30 September 2026 [![Swiss withholding tax codes 2026: A, B, C, H explained](https://www.ibani.com/images/baremes-impot-source-suisse-frontalier.png)](https://www.ibani.com/en/guides/withholding-tax-tariff-codes-switzerland) ### [Swiss withholding tax codes 2026: A, B, C, H explained](https://www.ibani.com/en/guides/withholding-tax-tariff-codes-switzerland) 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. [Read article](https://www.ibani.com/en/guides/withholding-tax-tariff-codes-switzerland) Updated on: 30 September 2026 [![Locking your exchange rate in 2026: the real maths](https://www.ibani.com/images/bloquer-taux-change.png)](https://www.ibani.com/en/guides/lock-exchange-rate) ### [Locking your exchange rate in 2026: the real maths](https://www.ibani.com/en/guides/lock-exchange-rate) 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. [Read article](https://www.ibani.com/en/guides/lock-exchange-rate) Updated on: 30 September 2026 [![Swiss Scholarships for International Students 2026](https://www.ibani.com/images/bourses-etudes-etudiant-etranger-suisse.png)](https://www.ibani.com/en/guides/scholarships-financial-aid-international-students-switzerland) ### [Swiss Scholarships for International Students 2026](https://www.ibani.com/en/guides/scholarships-financial-aid-international-students-switzerland) 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. 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