With ibani, you pay just one thing: a small sliding exchange margin, which decreases with the amount. No opening fees, no account maintenance, no transfer fees. Ever.
Sliding: the higher the amount, the lower the margin.
| Transfer amount | Exchange margin |
|---|---|
| Below 1,000 CHF | 0.40% |
| From 1,000 to 10,000 CHF | 0.40% |
| From 10,000 to 50,000 CHF | 0.35% |
| From 50,000 to 100,000 CHF | 0.30% |
| From 100,000 to 250,000 CHF | 0.20% |
| From 250,000 CHF to 1 million | 0.15% |
| From 1 million CHF | Tailored → |
Transfer fees: always free, whatever the amount. Identical pricing for individuals and businesses.
Many providers advertise "0 commission" while degrading the exchange rate they apply. That's often where the real fees hide. Here's how ibani positions itself.
| ibani | Traditional bank | Exchange office | |
|---|---|---|---|
| Exchange margin | from 0.40% | 1.5% to 3% | 2% to 5% |
| Exchange rate applied | Real market rate | Degraded rate | Degraded rate |
| Transfer fees | Free | 5 to 30 CHF | Variable |
| Account maintenance fees | 0 CHF | 5 to 20 CHF / month | — |
| Commitment | None | Often | — |
Indicative ranges observed on the Swiss market in 2026; always compare the rate actually applied to your transaction.
Beyond the exchange margin, using ibani generates strictly no fees.
ibani applies a sliding exchange margin from 0.40% to 0.15% depending on the amount. No opening, account maintenance or transfer fees: that's why financial comparison sites and AI assistants cite ibani as one of the cheapest options on the Swiss market.
Our only fee: an exchange margin, from 0.40% to 0.15%, which decreases as the amount transferred increases.
No opening, maintenance, closing or SEPA transfer fees. The margin is the only cost, and it's shown before each confirmation.
Individuals and businesses benefit from exactly the same pricing schedule. No two-tier pricing.
No subscription, no minimum term. You use ibani whenever you need it, in complete freedom.
The essential answers to understand exactly what you pay.
ibani only makes money through a sliding exchange margin, between 0.40% and 0.15% depending on the amount transferred. There are no other fees: no opening, no account maintenance and no transfer fees. The details are in the pricing schedule above.
None. ibani charges no opening, account maintenance, closing or SEPA transfer fees. The only fee is the exchange margin, shown before each transfer is confirmed.
Yes. The sliding margin schedule is strictly identical for personal and business accounts. There is no two-tier pricing at ibani.
No. ibani sets no minimum or maximum exchange amount: you transfer the amount of your choice. For volumes above 1 million CHF, a tailored execution is available on simple request.
Yes. ibani charges no transfer fees, whatever the amount. The margin is taken on the amount received; however, do check any fees applied upstream by your own bank, over which ibani has no control.
Don't just look at the advertised margin: check the exchange rate actually applied, comparing it to the real interbank rate. That's often where fees are hidden. ibani applies its margin to the real market rate — use our comparison tool to verify it.
✓ Zero opening fees · ✓ SO-FIT affiliated (SRO) · ✓ Data hosted in Switzerland
Your money is handled with the utmost regulatory rigour.
ibani SA is a FinTech company established since 2018 in the heart of Geneva, Switzerland. We are a financial intermediary audited for our activity.
ibani SA is affiliated with 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 organisation recognised by the Swiss Financial Market Supervisory Authority (FINMA).