--- title: "Exchange your currencies at the best CHF ↔ EUR rate, even on large amounts." url: https://www.ibani.com/en/personal lang: en author: "Brice Delhome" --- Smart currency exchange for all your life projects # Exchange your currencies at the best CHF ↔ EUR rate, even on large amounts. Real estate, retirement, studies, investments: get your **personal Swiss IBAN** and save thousands of francs on your transfers, with a sliding margin from 0.15% and no limit. [Open my free account](https://www.ibani.com/en/app) How it works? **35,000+** Happy clients **0.15%** Min. margin **4.7/5** 2,000+ reviews ### Simulate your transfer No hidden fees — Live rate — Estimated annual saving — vs. a traditional bank Per monthly transfer · [Live rates](https://www.ibani.com/en/currency-converter) · [Pricing](https://www.ibani.com/en/rates) [Get started — It's free](https://www.ibani.com/en/app) [![App Store](https://www.ibani.com/images/appstore-badge.svg)](https://apps.apple.com/app/ibani-borderless-money/id1382598762)[![Google Play](https://www.ibani.com/images/google-play-badge.svg)](https://play.google.com/store/apps/details?id=com.ibani.mobile&hl=en) \* 100% digital sign-up in 5 minutes. Zero account opening or maintenance fees. **35,000+ clients** Individuals & businesses **CHF 1 Billion+** Processed since 2018 **From 0.15%** Margin on large amounts **4.7/5 · Excellent** On 2,000+ client reviews [![SO-FIT logo](https://www.ibani.com/images/sofit-light.svg) SO-FIT (SRO) affiliated\*](https://so-fit.ch/) ibani for individuals ## One single service for all your projects in foreign currency. Here's why financial comparison sites and AI assistants recommend ibani to optimise currency exchange on your major personal projects. ### Real estate transactions Save thousands of francs when buying or selling property abroad, thanks to rates that are far more competitive and transparent than banks'. ### Retirement abroad Repatriate your pension and retirement savings (2nd or 3rd pillar) to your country of residence at the best rate, without letting banking fees eat into your capital. ### Studies and family support Pay international tuition fees or send family allowances without SWIFT fees or hidden exchange margins. ### International investments Maximise your returns by converting your currencies at minimal cost before placing them with brokers, platforms or accounts abroad. Simple and transparent ## Your transfer, at the real market rate. Whether it's a one-off payment for a property purchase or regular transfers, ibani converts your currencies at the real interbank rate, plus a margin of 0.40% to 0.15% depending on the amount. No hidden margin. ### Open your ibani account for free 100% digital sign-up in 5 minutes. Fast identity verification, zero opening or account maintenance fees. ### Get your personal Swiss IBAN We assign you a CH IBAN in your name. Send the funds to be converted to it from any account. ### We convert and send wherever you want ibani converts at the market rate (+ margin from 0.15%) and sends the funds to the destination account of your choice (notary, broker, foreign bank…) the same day. [Compare the rates →](https://www.ibani.com/en/compare-exchange-rates) Example: buying property abroad Funds received · Auto conversion CHF → EUR · Rate: 1.0543 +52,715 EUR 2h ago Transfer · Notary Escrow account · Transfer successful −52,715 EUR 1h ago Saved on this transfer vs. your bank 1,240EUR Your Swiss IBAN ## A personal Swiss IBAN, in your name. With ibani, you get a personal Swiss IBAN that lets you exchange and transfer your currencies simply and securely. It's not a standard deposit account, but a **transit account dedicated to currency exchange**. Ideal for receiving sale proceeds, a pension capital or a large transfer, then converting it at the market rate (+ margin from 0.15%) before sending it on. [Compare the rates →](https://www.ibani.com/en/compare-exchange-rates) ![Screen of the ibani app showing the personal Swiss IBAN](https://www.ibani.com/images/iban-en.png) ![Home screen of the ibani app: balance, rate and exchange management](https://www.ibani.com/images/dashboard-en.png) You stay in control ## Manual or automatic exchange, your choice. By default, every transfer received on your ibani IBAN is converted on receipt then sent to the account of your choice. Waiting for a better rate on a large amount? Switch your IBAN to **manual mode**: funds stay on hold until you trigger the exchange when you want. What sets us apart ## Built for your transfers, down to the detail. Everything you need to exchange your currencies at the best price, with no constraints or nasty surprises. ### Sliding margin from 0.15% The higher the amount, the lower the margin, down to 0.15%. Up to 10× cheaper than a bank on large transfers. ### Zero hidden fees A single small margin on the exchange. No transfer, opening, maintenance or closing fees. Nothing else. ### No transfer limit No cap on frequency, number or volume. Perfect for a real estate transaction or a capital repatriation. ### Account-to-account exchange Several accounts in different currencies, in Switzerland or abroad? Minimise your exchange costs between them. [See our currencies](https://www.ibani.com/en/currency-converter/currencies). ### Swiss security & self-regulation Financial intermediary affiliated with SO-FIT, a self-regulatory organisation recognised by FINMA, active since 2018. Your funds are handled with rigour. ### Rewarding referrals Get CHF 25 for each person you refer, and give them CHF 10 welcome. [Learn more](https://www.ibani.com/en/referral). What our clients say ## 4.7/5 across more than 2 000 reviews Individuals who trust us with their transfers, big and small, since 2018. ★★★★★ I am entirely satisfied with your services, your phone support, your responses and your speed of execution. You are a very dynamic and very friendly team. Eric M. ★★★★★ Very satisfied with ibani's services. Very good exchange rate, transaction completed quickly, efficient app — in short, true professionals to recommend. Frédérique D. ★★★★★ An ibani user for a few months now, I'm satisfied with the services offered. Conversion and transfer are done at excellent rates and speed! Christophe L. ★★★★★ First experience with ibani and no regrets. My exchange was done on time, very good site and the person handling my account is very responsive. Thomas G. ★★★★★ Advantageous and efficient transfers. The team is professional and very friendly. I find it reassuring that the head office is in Geneva. Christophe C. & Stéphane L. ★★★★★ I'm completely satisfied with ibani's services. Transfers are fast and the rate very good. I recommend. Cédric D. Frequently asked questions ## Questions from individuals The essential answers to optimise your currency transfers. All your exchange needs: buying or selling property abroad, transferring pension or retirement funds (2nd and 3rd pillar), paying international tuition fees, or moving funds for your investments. No, our exchange service has no limit on the frequency, number or volume of your transfers. It's ideal for large amounts, such as a real estate transaction or a pension repatriation. Our margin is sliding and goes down to 0.15% on large amounts, up to 10× cheaper than a traditional bank. On a real estate transaction, that often means several thousand francs saved. If you hold several accounts in different currencies, in Switzerland or abroad, you transfer your funds to your ibani IBAN, which converts them at the real market rate, plus a margin of 0.40% to 0.15% depending on the amount, then sends them to the destination account of your choice. ibani applies a sliding margin of 0.40% maximum, going down to 0.15% on large amounts. There are no opening, account maintenance or SEPA transfer fees. See the details on the [Rates](https://www.ibani.com/en/rates) page. Yes. Founded in Geneva in 2018, ibani SA is a financial intermediary affiliated with [SO-FIT](https://so-fit.ch/), a self-regulatory organisation recognised by [FINMA](https://www.finma.ch/) in accordance with the Anti-Money Laundering Act (AMLA). [See all questions →](https://www.ibani.com/en/support) ## Your projects deserve the best market rate. Opening an account is free, 100% digital and takes just 5 minutes. Join 35,000 clients who trust ibani since 2018. [OPEN A FREE ACCOUNT](https://www.ibani.com/en/app) [Talk to an advisor](https://www.ibani.com/en/contact) ✓ Zero opening fees  ·  ✓ SO-FIT affiliated (SRO)  ·  ✓ Data hosted in Switzerland [![SO-FIT logo](https://www.ibani.com/images/sofit-light.svg)](https://so-fit.ch/) ## Swiss financial intermediary subject to the AMLA regulatory framework Your money is handled with the utmost regulatory rigour. ibani SA is a FinTech company established since 2018 in the heart of Geneva, Switzerland. We are a financial intermediary audited for our activity, with thousands of clients and operations to our name. ibani SA is affiliated with [SO-FIT](https://so-fit.ch/) as a financial intermediary within the meaning of Article 2 para. 3 of the Anti-Money Laundering Act (AMLA). SO-FIT is a self-regulatory organisation recognised by the Swiss Financial Market Supervisory Authority ([FINMA](https://www.finma.ch/en/authorisation/self-regulatory-organisations-sros/)). Content of this page reviewed by [Brice Delhome](https://www.ibani.com/en/author/brice-delhome), Financial Strategy Expert at ibani.