ibani - Borderless Money

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!