--- title: "Banking & Finance for Expats" url: https://www.ibani.com/en/guides/expat-expat-finance lang: en date_modified: 2026-10-01 --- # Banking & Finance for Expats Opening a bank account upon arrival in Switzerland. Managing currency exchange and international transfers. ## Guides on this topic [![Investing in Switzerland: The Complete 2026 Guide | ibani](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 | ibani](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: 1 October 2026 [![Cross-Border Inheritance 2026: Swiss or Foreign Law? | ibani](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? | ibani](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: 30 September 2026 [![Buy-to-let property abroad from Switzerland | ibani](https://www.ibani.com/images/investissement-locatif-etranger-depuis-suisse.png)](https://www.ibani.com/en/guides/buy-to-let-abroad-from-switzerland) ### [Buy-to-let property abroad from Switzerland | ibani](https://www.ibani.com/en/guides/buy-to-let-abroad-from-switzerland) Swiss resident letting a property in France, Spain, Portugal, Italy or Germany? Local tax, Swiss rate, interest, 2nd pillar, currency exchange: 2026 guide. [Read article](https://www.ibani.com/en/guides/buy-to-let-abroad-from-switzerland) Updated on: 30 September 2026 [![Opening a Bank Account in Hong Kong: ZA Bank or HSBC | ibani](https://www.ibani.com/images/ouvrir-compte-bancaire-hong-kong-banques-virtuelles.png)](https://www.ibani.com/en/guides/open-bank-account-hong-kong-digital-banks) ### [Opening a Bank Account in Hong Kong: ZA Bank or HSBC | ibani](https://www.ibani.com/en/guides/open-bank-account-hong-kong-digital-banks) 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. [Read article](https://www.ibani.com/en/guides/open-bank-account-hong-kong-digital-banks) Updated on: 30 September 2026 [![Opening a Swiss Bank Account in 2026: The Expert Guide | ibani](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 in 2026: The Expert Guide | ibani](https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers) 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. [Read article](https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers) Updated on: 30 September 2026 [![UN operational rate of exchange: pay and expenses | ibani](https://www.ibani.com/images/taux-change-operationnel-onu-geneve.png)](https://www.ibani.com/en/guides/un-operational-rate-of-exchange-geneva) ### [UN operational rate of exchange: pay and expenses | ibani](https://www.ibani.com/en/guides/un-operational-rate-of-exchange-geneva) The UN rate is not a bank rate: it is set for a period and used to record everything. What it changes for a salary, an expense claim and a pension in Geneva. [Read article](https://www.ibani.com/en/guides/un-operational-rate-of-exchange-geneva) Updated on: 30 September 2026 [![Free bank account in Switzerland: the hidden costs | ibani](https://www.ibani.com/images/compte-bancaire-gratuit-suisse-contreparties.png)](https://www.ibani.com/en/guides/free-bank-account-switzerland-hidden-costs) ### [Free bank account in Switzerland: the hidden costs | ibani](https://www.ibani.com/en/guides/free-bank-account-switzerland-hidden-costs) CHF 0 Swiss accounts in 2026 (neon, Zak, Yuh, UBS, ZKB…): what they charge elsewhere (exchange, withdrawals, conditions) and the real cost over a year, in figures. [Read article](https://www.ibani.com/en/guides/free-bank-account-switzerland-hidden-costs) Updated on: 28 September 2026 [![Wealth tax in Switzerland: what is taxed, canton by canton](https://www.ibani.com/images/impot-fortune-suisse-cantons.png)](https://www.ibani.com/en/guides/wealth-tax-switzerland-cantons) ### [Wealth tax in Switzerland: what is taxed, canton by canton](https://www.ibani.com/en/guides/wealth-tax-switzerland-cantons) Who pays wealth tax in Switzerland, on what, and how much by canton. Euro accounts, property abroad, 2nd pillar, crypto: what you must declare in 2026. [Read article](https://www.ibani.com/en/guides/wealth-tax-switzerland-cantons) Updated on: 28 September 2026 ## Convert your currencies Compare and convert your currencies at the real market rate, plus a margin of 0.40% to 0.15% depending on the amount. [Open the converter](https://www.ibani.com/en/currency-converter)