2nd and 3rd Pillar Repatriation

It's the capital of a lifetime. Don't let your vested benefits foundation apply an unfavorable exchange rate upon your permanent departure or retirement. Optimize the conversion of your funds securely.

Why not ask for a direct transfer in Euros?

If you ask your pension fund or vested benefits foundation to pay your capital (CHF) to your account abroad (EUR), it is often the foundation's bank that will perform the exchange.

⚠️ Warning: These institutions do not specialize in competitive exchange rates. They may apply significant fees or margins.

On a capital of CHF 200,000, the difference can amount to several thousand francs.

By using ibani, you receive the CHF on your Swiss IBAN, and we perform the exchange at an optimized institutional rate.

SELLEUR xxx
xxx BUYEUR
  • Our transfer fees: CHF 0
  • Our exchange margin: 0.50%
  • Final exchange rate: 1.1636
  • You'll save on average maintenant

Indicative rate. Contact us for large volumes.

How to retrieve your funds in 3 steps

1

Open your ibani account

Opening is free and done via our app. It will provide you with a CH IBAN in your name.

2

Inform the foundation

Fill out your foundation's exit form indicating your ibani IBAN as the beneficiary.

3

Receipt & Exchange

We notify you as soon as funds are received. The exchange is performed, and Euros are transferred to your personal account.

Secure Capital

We know this is your future. Security is our absolute priority.

ibani SA is established in Geneva, audited by BDO, and affiliated with the SRO SO-FIT (recognized by FINMA).

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).

SO-FIT Logo

Frequently Asked Questions

Yes, in case of permanent departure from Switzerland (except to an EU/EFTA country for the mandatory part), to become self-employed, or to buy a primary residence. ibani facilitates the exchange of these funds once released.

Withholding tax is generally deducted by the foundation *before* payment. You will therefore receive the net amount on your ibani account.

No, there is no limit. For very large amounts (over CHF 500,000), we recommend contacting our support for personalized assistance.