# Firma - Swiss Money — Spend Francs. Live Swiss. > Swiss money app for francs and crypto, bridging traditional and on-chain finance. (iPhone/iPad app by Firma Operations AG.) - Source: https://appshunter.io/ios/app/firma-swiss-money/id6757550270 (this page in markdown: same URL + `.md`) - Developer: [Firma Operations AG](https://appshunter.io/developer/1867593662) - Category: Finance - Price: Free - Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 62 MB - Languages: American English - Released: 2026-08-14 - Data updated: 2026-08-29 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/firma-swiss-money/id6757550270/reviews.md ## What is Firma? The Swiss account in your pocket — without becoming a bank customer. Your own personal CHF, EUR, and USD account numbers. Every rail on: ACH, Fedwire, SEPA, SIC, SWIFT, and the blockchain for crypto and stablecoins. No branch. No appointment. No “1–3 business days.” It just works. 24/7/365. Perfect for new residents to Switzerland, international students and crypto natives. Money you have, and still can’t use — that’s what Firma is for. Pick a username: you’re live in ten seconds, and you can get paid. A KYC that takes three minutes or less unlocks the rest. — 10 Seconds In. 3 Minutes to Full Rails — 
No opening interviews. No letter in the post. Get paid on your username immediately. Then unlock regulated rails and use it as your everyday account: rent, payouts, life. — Always On. Never Pending —
 Sends to anyone on Firma are free and instant — in Switzerland or across borders. Split bills. Pay someone out. Sunday, midnight, a holiday — instantly delivered. No bank holds. No reviews. No calling to ask where it is. Pay your friends and family in any currency, instantly, in DMs, WhatsApp, TG, Snap, SMS, even if they don’t have a Firma account. — Your Accounts. Every Rail —
 Your own CHF, EUR, and USD account numbers. Move money between Firma users or over ACH, Fedwire, SEPA, SIC, and SWIFT. Top up 1:1 from a bank, card, crypto or stablecoins. Pay rent, tuition, expenses with Swiss QR-bills. Send bank transfers or withdraw crypto in seconds, integrated natively in our app. — One Balance. Great FX. Daily Rewards —
 Hold francs, euro, and dollars side by side. Exchange at great rates, not 3% hiding in a bank quote. Your account earns daily rewards, paid straight in, still yours to spend. Never lent out. Never locked up. — Swiss Life, From the Balance —
 Scan a QR-bill — rent, insurance, taxes. Push to the card you already have and keep the perks. Firma debit cards and Twint payouts coming soon. Money for everyday life. — Built Like a Swiss Vault —
 Swiss-regulated, licensed, and only you can move the money. Passkeys, Face ID, and your recovery phrase. Every franc, euro, and dollar backed 1:1 in cash at regulated banks. No surprise freezes. You hold full custody over your assets. — Regulated Financial App built in Switzerland —
 Operated in Zug, Firma services the Swiss Market. Firma is a licensed Swiss SRO member (VQF, under FINMA) and registered MSB abroad. Firma is regulated financial services provider, not a bank. ## Key features - Hold CHF, EUR, USD - Instant currency swaps - Pay Swiss QR-bills - Daily rewards - Card top-ups - Crypto wallet integration - Swiss regulated platform ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/firma-swiss-money/id6757550270/reviews.md ### 5/5 — Early Days of a World-Changing Financial Service: Instant Global Payments and Remittances *2026-08-15* 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. ## Frequently asked questions about Firma ### 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. ## Version history (last 3 releases) ### 0.31.0 — 2026-08-26 Forex locale updates, ETH support + ZCHF top-ups, multi-currency top-ups, CHF QR code expansion support for CH & LI ### 0.29.03 — 2026-08-19 Pay swiss QR bills (for Swiss residents), locale updates for adding funds, improved NFC verification ### 0.27.0 — 2026-08-14 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*