ibani - Borderless Money

Get free Swiss IBAN numbers, automate your currency exchange, get the real market rate and save money on your bank transfers effortlessly. HOW IT WORKS 1. Get our free mobile app 2. Choose a currency pair 3. Enter a destination bank account 4. We attribute a Swiss IBAN to that beneficiary 5. Use it to transfer money and save on the exchange fees! PERSONAL SWISS IBAN NUMBERS With ibani, you get your own free Swiss IBAN numbers. They allow you to automate your money transfers between two bank accounts in different currencies in a simple and secure way. TRANSPARENT RATES With our currency exchange calculator, you know in advance how much you will get for a given amount and at what rate. No surprise! THE BEST EXCHANGE RATES We give you the real market exchange rate, on which we only take a tiny, degressive 0.4% margin. It's up to 10x cheaper than a bank! ZERO HIDDEN FEES At ibani you have absolutely no other cost. No transfer or processing fees, no account opening, maintenance or closing fees, nothing at all! WORKS WITHOUT REFERENCE NUMBERS Thanks to our dedicated IBAN system, we are the only online currency exchange service where you don't have to use a reference with your bank transfer to make sure it reaches its destination. AUTO OR MANUAL CURRENCY EXCHANGE By default, each transfer we receive is immediately converted and transferred to the destination account. But you can switch your IBAN in manual mode, and funds received will be in standby (up to 30 days) until you manually trigger the currency exchange at the moment you choose. WE PAY YOUR INVOICES We can take care of paying your one-off or recurring Swiss invoices, such as your health insurance bills. You simply need to send them to us and we'll pay them by deducing their amount from your next transfer. FAST Your funds are immediately processed when we receive them. You get your converted funds within an hour if you transfer them to us the morning of a business day. SECURE Our service works with the banking system, it therefore has the same level of security than your bank. Your money cannot be lost or embezzled. NO TRANSFER LIMITS Our currency exchange service has no limit on the frequency, the number or the volume of your money transfers. AWESOME REFERRAL PROGRAM For each person that you invite on ibani, we give you CHF 25 to thank you and we give CHF 10 to your friend as a little welcome gift. Share your personal referral link from our app and follow each person who has registered with your link. FIRST CLASS CUSTOMER SERVICE Our friendly support team is always there to help you by email, on the phone or on social media. Although ibani is a robot, you will always speak with a real human! BUSINESS ACCOUNTS Does your company transfer money in different currencies? If it does so through your bank, you have significant currency exchange expenses. Our service drastically reduces them and saves you money without having to change your processes. ABOUT IBANI ibani SA is a FinTech company established in 2018 in Geneva, Switzerland. We are an authorized and audited financial intermediary, with a track record of thousands of clients and transactions. We are affiliated with VQF, a Self-regulatory organization (SRO) officially recognized by FINMA, the Swiss financial market supervisory authority.