--- title: "Live in Switzerland, support your loved ones anywhere in the world, with no hidden fees." url: https://www.ibani.com/en/personal/expats lang: en --- 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](https://www.ibani.com/en/app) How it works **0.40%** Max. margin (tiered) **Zero** Transfer fees **Multi-currency** EUR, USD, GBP, CAD… ### 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-en.svg)](https://apps.apple.com/app/ibani-borderless-money/id1382598762)[![Google Play](https://www.ibani.com/images/google-play-badge-en.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. **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](https://www.ibani.com/images/sofit-light.svg) SO-FIT (SRO) affiliated\*](https://so-fit.ch/) 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% to 0.15%, 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 SO-FIT, a self-regulatory organization 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 →](https://www.ibani.com/en/how-it-works) ![ibani app screen showing the expat's nominative Swiss IBAN](https://www.ibani.com/images/iban-en.png) ![Payment and standing-order screen in the ibani app](https://www.ibani.com/images/invoice-en.png) 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](https://www.ibani.com/en/app) ![ibani app home screen: balance, rate and multi-currency exchange management](https://www.ibani.com/images/dashboard-en.png) [![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 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](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 organization recognized by the Swiss Financial Market Supervisory Authority ([FINMA](https://www.finma.ch/en/authorisation/self-regulatory-organisations-sros/sro-member-search/)). 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](https://www.ibani.com/en/currency-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% to 0.15% applies on the real interbank rate, tiered 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](https://www.ibani.com/en/rates) page. Yes. Founded in Geneva in 2018, ibani SA is a Swiss financial intermediary audited for its activity, affiliated with [SO-FIT](https://so-fit.ch/), a self-regulatory organization recognized 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 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](https://www.ibani.com/en/app) [Contact us](https://www.ibani.com/en/contact) ✓ Zero opening fees  ·  ✓ Affiliated with SO-FIT (SRO)  ·  ✓ Data hosted in Switzerland