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. Receive your CHF on a nominative Swiss IBAN and optimize the conversion securely.
Indicative example. The actual gain depends on the day's rate and the amount.
When withdrawing a 2nd pillar (LPP), a 3rd pillar or vested benefits, the exchange rate applied can cost you several thousand francs. Here's why to use ibani.
Receive your foundation's payment in CHF on a nominative Swiss IBAN. Free to open, with no maintenance or closing fees.
A degressive margin from 0.40% (up to 10× lower than banks), applied to the real interbank rate — not your foundation's rate.
ibani SA is established in Geneva, audited for its activity and affiliated with the SRO SO-FIT, recognized by FINMA. Your capital is handled with rigor.
No cap. For large capital (above CHF 500,000), an advisor supports you for a personalized rate.
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 performs the exchange.
By using ibani, you receive the CHF on your Swiss IBAN, and we perform the exchange at an optimized institutional rate — you keep control of your capital.
The foundation's bank converts your CHF. Opaque rate, high margin: on CHF 200,000, several thousand francs can vanish.
You receive your CHF on your nominative Swiss IBAN, then ibani applies a real interbank rate with a margin from 0.40%.
Indicative example. The actual gain depends on the day's rate and the amount.
From opening your account to receiving euros on your personal account: a clear journey, with no nasty surprises on the exchange rate.
Opening is free and 100% digital via our app. It gives you a Swiss (CH) IBAN in your name.
Fill out your vested benefits foundation's exit form, indicating your ibani IBAN as the beneficiary.
As soon as funds are received, we notify you. The exchange is performed at the real rate and the euros are transferred to your personal account.
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).
Everything you need to know to withdraw and repatriate your 2nd and 3rd pillar with confidence.
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 therefore receive the net amount on your ibani account, which we then convert into euros at the real rate.
No, there is no limit. For very large amounts (over CHF 500,000), we recommend contacting our support for personalized assistance and an optimized rate.
If you request payment directly in euros, it is the foundation's bank that performs the exchange. These institutions do not specialize in competitive exchange and may apply significant margins. By using ibani, you receive the CHF on your Swiss IBAN and we apply an optimized institutional rate.
✓ Zero opening fees · ✓ Affiliated with SO-FIT (SRO) · ✓ Data hosted in Switzerland