--- title: "Finance & Currency Expertise" url: https://www.ibani.com/en/guides/finance-currency lang: en date_modified: 2026-10-19 --- # Finance & Currency Expertise Market analysis, rate forecasts, and financial guides. And to take action, [convert your currencies with our converter](https://www.ibani.com/en/currency-converter) at the real market rate, plus a margin of 0.40% to 0.15% depending on the amount. ## Financial & FX Analysis [![TWINT without Swiss Address: Cross-Border | ibani](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 | ibani](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 [![EUR/CHF Forecast October 2026: Euro Steady at 0.9312 | ibani](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: Euro Steady at 0.9312 | ibani](https://www.ibani.com/en/guides/chf-eur-exchange-rate-forecast) 12 October 2026 update: EUR/CHF stalls at 0.9312, the French-German yield spread stays near 140 points and the 2027 budget reaches the Assembly floor. [Read article](https://www.ibani.com/en/guides/chf-eur-exchange-rate-forecast) Updated on: 12 October 2026 [![USD/CHF Forecast October 2026: the Dollar Above 0.83](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 Above 0.83](https://www.ibani.com/en/guides/chf-usd-exchange-rate-forecast) October 12, 2026 update: the dollar holds above 0.83 franc, the market expects a Fed hike by December and MUFG raises its target to 0.8480. [Read article](https://www.ibani.com/en/guides/chf-usd-exchange-rate-forecast) Updated on: 12 October 2026 [![GBP/CHF Forecast: Pound Falls to 1.0912 CHF (October 2026)](https://www.ibani.com/images/prevision-change-chf-gbp.png)](https://www.ibani.com/en/guides/chf-gbp-exchange-rate-forecast) ### [GBP/CHF Forecast: Pound Falls to 1.0912 CHF (October 2026)](https://www.ibani.com/en/guides/chf-gbp-exchange-rate-forecast) Updated 2 October 2026: the pound falls to 1.0912 francs, −1.3% in one session, against a soaring franc. 28 October budget: our scenarios. [Read article](https://www.ibani.com/en/guides/chf-gbp-exchange-rate-forecast) Updated on: 2 October 2026 [![Buying Foreign Currency for Companies | ibani](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 | ibani](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 [![HKD-USD peg: how Hong Kong's currency anchor works | ibani](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 | ibani](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 [![Locking your exchange rate in 2026: the real maths | ibani](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 | ibani](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 [![How to calculate an exchange rate? Formulas and Tools | ibani](https://www.ibani.com/images/mobile-app-en.png)](https://www.ibani.com/en/guides/how-to-calculate-exchange-rate) ### [How to calculate an exchange rate? Formulas and Tools | ibani](https://www.ibani.com/en/guides/how-to-calculate-exchange-rate) Discover the exact method to easily calculate an exchange rate. Learn to spot hidden bank margins and optimize your CHF/EUR currency conversions. [Read article](https://www.ibani.com/en/guides/how-to-calculate-exchange-rate) Updated on: 30 September 2026 [![Guide 2026: How to change currencies online | ibani](https://www.ibani.com/images/ibani-change-currency-thumbnail.png)](https://www.ibani.com/en/guides/change-currency-online) ### [Guide 2026: How to change currencies online | ibani](https://www.ibani.com/en/guides/change-currency-online) 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? [Read article](https://www.ibani.com/en/guides/change-currency-online) Updated on: 30 September 2026 [![2026 Study: Cross-Border Purchasing Power, Nearly +3% Estimated](https://www.ibani.com/images/ibani-etude-2026-graphique.jpg)](https://www.ibani.com/en/guides/cross-border-purchasing-power-study-2026) ### [2026 Study: Cross-Border Purchasing Power, Nearly +3% Estimated](https://www.ibani.com/en/guides/cross-border-purchasing-power-study-2026) ibani analysis, Jan 2026: despite moderate Swiss wage rises (+1%), the exchange rate brings cross-border workers an estimated gain of nearly 3%. [Read article](https://www.ibani.com/en/guides/cross-border-purchasing-power-study-2026) Updated on: 30 September 2026 [![EUR/CHF: The macroeconomic factors influencing the exchange rate](https://www.ibani.com/images/guide-de-change-chf-eur-og.jpg)](https://www.ibani.com/en/guides/macroeconomic-factors-eur-chf) ### [EUR/CHF: The macroeconomic factors influencing the exchange rate](https://www.ibani.com/en/guides/macroeconomic-factors-eur-chf) Discover an expert analysis of the macroeconomic and historical factors influencing the EUR/CHF exchange rate. Inflation, interest rates, safe haven, and SNB. [Read article](https://www.ibani.com/en/guides/macroeconomic-factors-eur-chf) Updated on: 30 September 2026 [![EUR/CHF Rate: Why the Mid-Month Myth is False (2026 Analysis)](https://www.ibani.com/images/ibani-chf-eur-thumbnail-large.jpg)](https://www.ibani.com/en/guides/myth-exchange-rate-mid-end-month) ### [EUR/CHF Rate: Why the Mid-Month Myth is False (2026 Analysis)](https://www.ibani.com/en/guides/myth-exchange-rate-mid-end-month) 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. [Read article](https://www.ibani.com/en/guides/myth-exchange-rate-mid-end-month) 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 ## 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)