Firma - Swiss Money

Firma - Swiss Money

Spend Francs. Live Swiss.

1 ratings
1 review
Free

Details

  • Released
  • Updated
  • August 14, 2026
  • August 26, 2026

Features

Firma - Swiss Money screenshot #1 for iPhone
Firma - Swiss Money screenshot #2 for iPhone
Firma - Swiss Money screenshot #3 for iPhone
Firma - Swiss Money screenshot #4 for iPhone
Firma - Swiss Money screenshot #5 for iPhone
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About

Manage Swiss Francs and cryptocurrencies seamlessly. This app bridges traditional banking with on-chain assets, allowing you to hold multiple currencies, pay bills, and earn rewards while keeping your funds fully backed in cash. It's designed for everyday Swiss life with robust security and regulatory compliance.

Hold CHF, EUR, USD
Instant currency swaps
Pay Swiss QR-bills
Daily rewards
Card top-ups
Crypto wallet integration
Swiss regulated platform
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What's New in Firma

0.31.0

August 26, 2026

Forex locale updates, ETH support + ZCHF top-ups, multi-currency top-ups, CHF QR code expansion support for CH & LI

User reviews

Early Days of a World-Changing Financial Service: Instant Global Payments and Remittances

I will sell you on this service in two sentences:

1. The average remittance fee (according to 2024 U.S. data) is ~6%; this would cost you 1% to change currencies and send money anywhere in the world.

2. You can send/receive money to/from anyone in the world instantly with no holding period, zero cost, and no risk of chargebacks/reversals.

But it gets better. They offer variable interest on balances, they’re expanding to more currencies over time, and they even offer ways to move your money to and from bank accounts and cryptocurrencies.

If you send money globally and want low/no fees, instant transfers, AND additional benefits, try this app. If you have ever faced the problems of waiting days for processing or paying tens or hundreds of dollars to send money to family in another country, this will change your life. It’s a brand-new app and so doesn’t have as many currencies as it will once it’s built out, but it’s going to change the face of global payments once it does.
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FAQ

What is Firma's primary function?

Firma is designed to let Swiss users manage their daily finances in francs while also holding and spending cryptocurrencies. It acts as a bridge between traditional banking and on-chain assets, allowing for seamless transactions and currency management.

How secure is Firma?

Firma is built on a Swiss-regulated, licensed platform and is a member of the VQF, supervised by FINMA. Your money is backed 1:1 in cash at regulated banks and secured with passkeys, Face ID, or a recovery phrase.

Can I pay bills with Firma?

Yes, you can scan Swiss QR-bills to pay rent, insurance, and taxes directly from your Firma balance. You can also push CHF, EUR, or USD to your debit or credit cards.

Does Firma offer rewards?

Firma users receive daily rewards, which are paid directly to their balance. This is possible because your money remains fully backed in cash and is never lent out or invested.

What currencies can I hold in Firma?

You can hold Swiss Francs (CHF), Euros (EUR), and US Dollars (USD) side by side within a single balance. Swapping between these currencies is instant and priced within 1% of the live market rate.

How do I add funds to Firma?

You can add funds to your Firma account via bank transfer (CH, EUR IBANs, or USD accounts), by card, or using stablecoins. All deposits are always 1:1 with the underlying currency.

Is Firma available on all devices?

Firma is currently supported on iPhone, iPad, and iPod. The app is designed to be accessible across Apple's mobile ecosystem.

How often is Firma updated?

The latest version of Firma, 0.27.0, was released on August 14, 2026. Updates are provided by the developer, Firma Operations AG, to ensure the app remains current and secure.