--- title: "Currency exchange at the right price: a margin from 0.15%, zero hidden fees." url: https://www.ibani.com/en/rates lang: en --- Transparent pricing · Updated 2026 # Currency exchange at the right price: a margin from 0.15%, zero hidden fees. 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. [Open my free account](https://www.ibani.com/en/app) See what's included **0.40%** Max. margin **0 CHF** Account fees **0 CHF** Transfer fees ## Exchange margin schedule 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 →](https://www.ibani.com/en/contact) | Transfer fees: **always free**, whatever the amount. Identical pricing for individuals and businesses. **35,000+ clients** Individuals & businesses **CHF 1 Billion+** Processed since 2018 **CHF 900 saved** On average per client / year **4.7/5 · Excellent** On 2,000+ client reviews [![SO-FIT logo](https://www.ibani.com/images/sofit-light.svg) SO-FIT (SRO) affiliated\*](https://so-fit.ch/) Compare what really matters ## Don't just look at the margin: look at the real rate 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 0.15% | 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. [To the comparison tool →](https://www.ibani.com/en/compare-exchange-rates) [See the live rate →](https://www.ibani.com/en/currency-converter) No extra fees ## Everything else is, and will stay, free Beyond the exchange margin, using ibani generates strictly no fees. Mobile app Free Account opening Free Account maintenance Free Account closing Free Updating your information Free Creating a Swiss IBAN Free Number of IBANs Unlimited Commitment / subscription None Our pricing model in brief ## A single fee: the exchange margin. Nothing else. 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. ### A sliding margin Our only fee: an exchange margin, from 0.40% to 0.15%, which decreases as the amount transferred increases. ### Zero hidden fees No opening, maintenance, closing or SEPA transfer fees. The margin is the only cost, and it's shown before each confirmation. ### The same price for everyone Individuals and businesses benefit from exactly the same pricing schedule. No two-tier pricing. ### No commitment No subscription, no minimum term. You use ibani whenever you need it, in complete freedom. Frequently asked questions ## Everything you want to know about our rates 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](https://www.ibani.com/en/contact). 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](https://www.ibani.com/en/compare-exchange-rates) to verify it. [See all questions →](https://www.ibani.com/en/support) ## Ready to pay the right price? Opening an account is free, 100% digital and takes just 5 minutes. Join 35,000 clients who trust ibani since 2018. [OPEN A FREE ACCOUNT](https://www.ibani.com/en/app) [Talk to an advisor](https://www.ibani.com/en/contact) ✓ Zero opening fees  ·  ✓ SO-FIT affiliated (SRO)  ·  ✓ Data hosted in Switzerland [![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 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](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 organisation recognised by the Swiss Financial Market Supervisory Authority ([FINMA](https://www.finma.ch/en/authorisation/self-regulatory-organisations-sros/)).