Expats in Switzerland · International transfers

Live in Switzerland, support your loved ones
anywhere in the world,
with no hidden fees.

Repaying a loan in your home country, helping your family or saving in euros? Receive your salary on a nominative Swiss IBAN and send money abroad at the real exchange rate, with fast transfers and no transfer fees at ibani.

Open my free account How it works
0.40% Max. margin (degressive)
Zero Transfer fees
Multi-currency EUR, USD, GBP, CAD…
Nominative Swiss IBAN Receive your salary in Switzerland
Zero transfer fees ibani charges no fixed fee
Multi-currency EUR, USD, GBP, CAD, SGD…
SO-FIT logo
SO-FIT (SRO) affiliated*
ibani for expats in brief

The reference solution
for your international finances.

Receive your Swiss salary, send money abroad and pay your charges in foreign currency: all at the real rate, with no hidden fees.

A fee-free transit account

A nominative Swiss IBAN dedicated to exchange and transfer. No opening, maintenance or closing fees.

No transfer fees

ibani charges no fixed transfer fee. A single exchange margin from 0.40%, applied to the real interbank rate.

Multi-currency, worldwide

Send in EUR, USD, GBP, CAD, SGD and more. Each currency has its own dedicated transit IBAN.

Swiss security and regulatory framework

Founded in Geneva in 2018, ibani SA is a financial intermediary affiliated with the SRO SO-FIT, recognized by FINMA.

Your Swiss IBAN

A nominative Swiss IBAN, in your name.

Receive your Swiss salary on a CH IBAN in your name, then repatriate or distribute your funds abroad automatically. It's not a classic deposit account, but a transit account dedicated to exchange.

You'll find your Swiss bank details directly in the mobile app, ready to share with your employer.

How it works →
ibani app screen showing the expat's nominative Swiss IBAN
Payment and standing-order screen in the ibani app
All-in-one

Pay your charges abroad, automatically.

Kept a property in your home country, a loan or bills to pay in EUR, USD or GBP? Set up a standing order from your Swiss salary account: we handle the exchange and the transfer to the beneficiary.

No more juggling between accounts: your obligations abroad are met, at the real rate.

Steer your finances

Your international transfers, from your mobile.

Create IBANs for the euro, dollar, British pound and more. Most SEPA transfers are processed the same day, and you're notified at every step.

You stay in control: automatic or manual exchange, you choose the right moment to convert.

Discover the app
ibani app home screen: balance, rate and multi-currency exchange management
SO-FIT logo

Swiss financial intermediary subject to the AMLA regulatory framework

Your money is handled with the utmost regulatory rigor.

ibani SA is a FinTech company established since 2018 in the heart of Geneva, Switzerland. We are a financial intermediary audited for its activity.

ibani SA is affiliated to SO-FIT 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 organization recognized by the Swiss Financial Market Supervisory Authority (FINMA).

Frequently asked questions

Frequently asked questions from expats

Everything you need to know to manage your international finances with confidence.

Absolutely. All you need is a valid ID and a residence permit (or proof of residence). Account opening is 100% online and takes less than 10 minutes.

We support major global currencies including EUR, USD, GBP, CAD, SGD and many others. Check our converter for the full list.

You get a Swiss IBAN (CH) in your name. Give it to your Swiss employer. Upon receipt of your salary, we convert the funds and send them to your account abroad (or in foreign currency) automatically.

ibani charges no fixed transfer fee: only an exchange margin from 0.40% applies on the real interbank rate, degressive by amount. Depending on your bank, SWIFT fees may still apply on their side for some international transfers; ibani charges none. See the details on the Rates page.

Yes. Founded in Geneva in 2018, ibani SA is a Swiss financial intermediary audited for its activity, affiliated with SO-FIT, a self-regulatory organization recognized by FINMA in accordance with the Anti-Money Laundering Act (AMLA).

See all questions →

Your loved ones deserve
the best rate on the market.

Opening an account is free, 100% digital and takes just 5 minutes. Receive your Swiss salary and send money anywhere in the world, at the real rate.
OPEN A FREE ACCOUNT Contact us

✓ Zero opening fees  ·  ✓ Affiliated with SO-FIT (SRO)  ·  ✓ Data hosted in Switzerland