# ibani - Borderless Money > Borderless money transfers with free Swiss IBANs and automated currency exchange. (iPhone/iPad app by Ibani.) - Source: https://appshunter.io/ios/app/ibani-borderless-money/id1382598762 (this page in markdown: same URL + `.md`) - Developer: [Ibani](https://appshunter.io/developer/1382598761) - Category: Finance - Price: Free - Rating: 4.30/5 from 7 App Store ratings · 70 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 130 MB - Languages: American English - Released: 2018-07-27 - Data updated: 2026-08-13 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/ibani-borderless-money/id1382598762/reviews.md ## What is ibani? Save money on your international money transfers with ibani! Get your free Swiss IBAN, automate your currency exchange, get the real market rate, and transfer funds effortlessly without hidden fees. HOW OUR MONEY TRANSFER WORKS 1. Download our free mobile app and create your account. 2. Complete our quick and secure identity verification. 3. Choose your currency pair and enter a destination bank account. 4. Receive a dedicated Swiss IBAN for this beneficiary. 5. Transfer funds to this IBAN and save on exchange fees! YOUR PERSONAL SWISS IBAN With ibani, you get your own free Swiss IBAN. It allows you to automate your money transfers between two bank accounts in different currencies simply and securely. TRANSPARENT EXCHANGE RATES With our in-app currency calculator, you know exactly how much you will receive and at what rate before you send anything. No bad surprises! THE BEST MARKET EXCHANGE RATES We provide the real market exchange rate, applying only a tiny, degressive 0.4% margin. It is up to 10x cheaper than traditional banks! ZERO HIDDEN FEES At ibani, there are absolutely no other costs. No transfer or processing fees, no account opening, maintenance, or closing fees. What you see is what you get. NO REFERENCE NUMBERS NEEDED Thanks to our dedicated IBAN system, we are the only online currency exchange service where you do not need to include a reference message to ensure your transfer reaches its destination. AUTOMATIC OR MANUAL EXCHANGE By default, funds are immediately converted and transferred. But you can also switch your IBAN to manual mode: funds will be kept on standby (up to 30 days) until you manually trigger the exchange at the best moment. NEW: RATE LOCKING Studying abroad or buying property? You can now lock in your exchange rate to protect your budget from market volatility and avoid surprises. WE PAY YOUR SWISS BILLS We can take care of your one-off or recurring Swiss invoices (like health insurance). Simply send them to us, and we will pay them by deducting the amount from your next transfer. FAST PROCESSING Your funds are processed immediately upon receipt. If you transfer money on a business morning, you receive your converted funds within an hour. 100% SECURE Our service integrates directly with the banking system, offering the exact same level of security as your bank. Your funds are fully protected. NO TRANSFER LIMITS Our service has absolutely no limits on the frequency, number, or volume of your currency transfers. REFERRAL PROGRAM: EARN CHF 25 Invite friends to ibani and get CHF 25 for each successful referral, while your friend receives a CHF 10 welcome gift! Share your link directly from the app and track your rewards. PREMIUM CUSTOMER SUPPORT Our friendly support team is ready to help via email, phone, or social media. Even though our app is automated, you will always speak with a real human when you need assistance! FOR BUSINESSES Does your company handle multiple currencies? Stop paying high bank fees. Our service drastically reduces your corporate exchange expenses without forcing you to change your accounting processes. ABOUT IBANI SA ibani SA is a FinTech company established in 2018 in Geneva, Switzerland. We are an authorized and audited financial intermediary trusted by thousands of clients. Download ibani today and take the edge on your currency exchange! ## Key features - Free Swiss IBAN numbers - Automated currency exchange - Real market exchange rates - Transparent rates with low margin - No hidden fees - Works without reference numbers - Pay Swiss invoices ## Recent user reviews (10 of 70) All indexed reviews: https://appshunter.io/ios/app/ibani-borderless-money/id1382598762/reviews.md ### 5/5 — Compte Suisse *2026-01-09, version 1.46* Très bien ### 5/5 — Bravo ! *2025-12-19, version 1.46* Simple, efficace et très utile. Après comparaison avec d’autres services qui peuvent exister, Ibani c’est le top du top! Je recommande sans aucune hésitation. De plus le service client est très réactif et très efficace. ### 5/5 — Sehr gut *2025-09-17, version 1.42* Scheint sehr einfach zu sein ### 5/5 — Nouvel arrivant *2025-09-15, version 1.42* Appli facile d’utilisation ### 5/5 — Ottimo *2025-09-12, version 1.42* Mi sono trovata a dover aprire un conto per avere un IBAN e facendo pochissime ore al mese in banca proprio non mi conveniva . Questo servizio è stato la mia salvezza . Lo consiglio a tutti ### 5/5 — Tu ne peux pas faire mieux *2025-09-04, version 1.42* 5 étoiles les yeux fermées aucunes galères depuis 2 ans maintenant les taux de change toujours bien plus avantageux que ceux des collègues.. et pas qu’un peu . Pas de frais caché la somme dit et la somme envoyé/reçu sont tjr identiques. Ibani au top ! Un truc en moins à pensée. ### 5/5 — Satisfaite *2025-07-08, version 1.42* Je conseille vivement pour les changes, sécurité ,et à l’écoute pour toutes questions. ZLM ### 5/5 — Retour d’utilisation *2025-07-07, version 1.42* Plateforme intuitive et fluide, service client à l’écoute et réactif franchement rien à dire au top bravo ! ### 5/5 — Compte ibani *2025-06-25, version 1.42* Franchement un super moyen pour recevoir de l’argent qui provient d’un autre pays comme la Suisse et ce qui est bien ils prennent pas dutout beaucoup de frais donc merc à eux ### 5/5 — Impeccable *2025-04-22, version 1.42* Très pratique. Bien que je rédige ce message avant même de l’avoir utilisé. ## Frequently asked questions about ibani ### What does ibani do? ibani provides free Swiss IBAN numbers that allow you to automate currency exchange and save money on international bank transfers. It offers real market exchange rates with a small margin and no hidden fees, making it up to 10x cheaper than traditional banks. ### How does the currency exchange work? You can choose a currency pair and enter a destination bank account. ibani assigns a Swiss IBAN to that beneficiary, which you use for your transfers. Funds can be automatically converted upon receipt or held for up to 30 days for manual conversion. ### Is ibani free to use? Yes, ibani offers free Swiss IBAN numbers and has zero hidden fees for transfers or account management. The primary cost is a small, degressive 0.4% margin on the real market exchange rate. ### Is ibani secure? Yes, the service works with the banking system, offering the same level of security as your bank. Your money is protected and cannot be lost or embezzled. ### Who can benefit from using ibani? Individuals and businesses that frequently transfer money in different currencies can benefit from ibani's cost savings and automation features. It's particularly useful for paying Swiss invoices and managing international business expenses. ## Version history (last 5 releases) ### 2.3 — 2026-08-13 In this new version, we are taking your ibani experience to the next level: * Brand new design & improved ergonomics: Enjoy a smoother, more intuitive navigation for all your daily operations. * New currencies available: Manage and exchange even more currency pairs directly from the app. * New services for major projects: Planning to study abroad or buy real estate? You can now lock in your exchange rate to avoid market volatility and secure your budget. Update now to take full advantage of these new features! ### 2.2 — 2026-08-01 In this new version, we are taking your ibani experience to the next level: * Brand new design & improved ergonomics: Enjoy a smoother, more intuitive navigation for all your daily operations. * New currencies available: Manage and exchange even more currency pairs directly from the app. * New services for major projects: Planning to study abroad or buy real estate? You can now lock in your exchange rate to avoid market volatility and secure your budget. Update now to take full advantage of these new features! ### 2.1 — 2026-06-25 In this new version, we are taking your ibani experience to the next level: * Brand new design & improved ergonomics: Enjoy a smoother, more intuitive navigation for all your daily operations. * New currencies available: Manage and exchange even more currency pairs directly from the app. * New services for major projects: Planning to study abroad or buy real estate? You can now lock in your exchange rate to avoid market volatility and secure your budget. Update now to take full advantage of these new features! ### 2.0.0 — 2026-06-15 In this new version, we are taking your ibani experience to the next level: * Brand new design & improved ergonomics: Enjoy a smoother, more intuitive navigation for all your daily operations. * New currencies available: Manage and exchange even more currency pairs directly from the app. * New services for major projects: Planning to study abroad or buy real estate? You can now lock in your exchange rate to avoid market volatility and secure your budget. Update now to take full advantage of these new features! ### 1.49 — 2026-03-06 Thank you for your continued trust. This new update brings several optimizations designed to improve your overall experience within the app and make your transfers even smoother. It also paves the technological way for exciting new features that we will be rolling out throughout 2026. 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Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-13.*