Cross-border real estate · Transfer to the notary

Buy your property
at the best CHF ↔ EUR rate,
with no hidden fees.

In a cross-border real estate purchase, the exchange rate is often the biggest hidden cost. Transfer your funds to the notary from a nominative Swiss IBAN, at the real interbank rate, and turn bank fees into purchasing power.

Open my free account How it works
0.40% Max. margin (degressive)
Named IBAN Validated by notaries
Geneva SO-FIT affiliated (SRO)
Nominative Swiss IBAN In your name, for the notary
Institutional rate Margin from 0.40%, degressive
Proof of funds For your file's compliance
SO-FIT logo
SO-FIT (SRO) affiliated*
Real estate exchange in brief

Turn the cost of exchange
into real estate purchasing power.

On a cross-border purchase, every exchange point is worth thousands of euros. Here's how ibani secures and optimizes the transfer of your funds all the way to the notary.

Savings on large amounts

On a CHF 400'000 transaction, the exchange gap can amount to several thousand euros. ibani applies the real interbank rate, margin from 0.40%.

A nominative Swiss IBAN

Receive and transfer your funds from a CH IBAN in your name. The notary immediately identifies the origin of funds, with no administrative blockage.

Validated by notaries

For the notary, it's a transfer from a Swiss bank. We provide proof of source of funds on request.

Swiss security and regulatory framework

ibani SA is established in Geneva, audited for its activity and affiliated with the SRO SO-FIT, recognized by FINMA. Your transit funds are segregated in major Swiss banks.

The leverage of the rate

Why does every
exchange point count?

For a CHF 400'000 transaction, a simple rate variation or standard bank fees can impact your budget by several thousand euros.

By applying the real interbank rate with a margin from 0.40%, ibani turns this difference into purchasing power for your future home.

Property amountibani savings*
250'000 CHF+ 3'250 EUR
500'000 CHF+ 6'750 EUR
750'000 CHF+ 10'125 EUR

*Average savings observed compared to a traditional retail bank. Indicative amount, varies with the day's rate.

A secure transfer

A process validated by notaries.

Transferring funds to a notary allows for no approximation. Our nominative Swiss IBAN is the key to a successful transaction.

  • 🛡️ Total traceability — the IBAN is in your name. The notary immediately identifies the origin of funds, avoiding administrative blockages.
  • 📄 Proof of funds — we provide the certificates required for your real estate file's compliance on request.
  • ⏱️ Deadlines met — thanks to the SEPA network and our banking partnerships, your funds arrive on time for signing.
Open my account →
ibani app screen showing the nominative Swiss IBAN for the transfer to the notary
Tailored support

Support that matches the stakes.

A property purchase doesn't happen every day. For significant amounts, a dedicated contact accompanies you at every step, from opening the account to the payment to the notary.

Selling in Switzerland and buying in France? We manage the circular flows to minimize financial friction, and you track your transfer's progress from the app.

Talk to a specialist
ibani app home screen: balance tracking and transfer progress
SO-FIT logo

Swiss rigor for your assets

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. Funds destined for your purchase transit through segregated transit accounts in major Swiss banks, until payment to the notary.

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

Your questions about real estate exchange

Everything you need to know to transfer your funds to the notary with peace of mind.

No, because the ibani IBAN is named (in your name). For the notary, it is as if you were making a transfer from any other Swiss bank. It is the safest solution for cross-border transactions.

Absolutely. Whether you are bringing equity in CHF or need to repay monthly loan installments in EUR, ibani optimizes all these flows.

On a CHF 400'000 transaction, the average saving observed runs into thousands of euros compared to a traditional retail bank. The actual gain depends on the day's rate and the amount; use the simulator at the top of the page to estimate yours.

Yes. We provide the certificates required for your real estate file's compliance on request, particularly regarding the origin and source of the funds destined for the notary.

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).

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Your future home deserves
the best rate on the market.

Opening an account is free, 100% digital and takes just 5 minutes. Transfer your funds to the notary at the real rate and save on your purchase.
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✓ Zero opening fees  ·  ✓ Affiliated with SO-FIT (SRO)  ·  ✓ Funds segregated in Switzerland