Cross-border workers: convert your Swiss salary into euros, without needing a Swiss bank account

With b-sharpe, converting your cross-border salary from CHF to EUR takes just three simple steps. You create an online account in just a few minutes and receive a personalised Swiss IBAN to give to your employer. With each payment, your salary in CHF is received into this IBAN, converted at the market rate, then transferred to your bank account in France within 24 working hours. Everything is done automatically, with no need for a Swiss bank account and no complicated procedures.

Banks generally do not display the final exchange rate before the transaction. They apply their own margin during the transfer, meaning you only find out the actual amount once it arrives in your account. On average, they quietly deduct nearly 2% in this way. In contrast, b-sharpe displays the exact guaranteed amount, with fees up to 80% lower, allowing you to keep a larger share of your salary.

No. With b-sharpe, you don’t need to open a bank account in Switzerland. b-sharpe assigns you a personal Swiss IBAN, accepted by 100% of Swiss employers, into which your salary is paid directly. Your Swiss francs are then converted into euros and transferred to your account in France automatically, without any additional banking procedures.

When you sign up, b-sharpe assigns you a personalised Swiss IBAN, starting with CH, which you need to provide to your employer just once. Each time your salary is paid, the CHF is received into this IBAN, automatically converted into euros at the market rate, and then transferred to your bank account in France within 24 working hours. No reference numbers to copy, no banking procedures in Switzerland. Your salary arrives directly converted to where you need it.

There is no ideal time: the CHF/EUR exchange rate is constantly changing.

If you set up your salary to be paid directly from your employer, the rate applied is the market rate at the time your salary arrives in your b-sharpe IBAN: you cannot choose to wait for a more favourable rate after receipt.

If, on the other hand, you make a manual transfer from your bank to your b-sharpe IBAN, you are free to choose when to convert. In this case, you can set up exchange rate alerts to be notified as soon as a target level is reached, or convert at regular intervals to smooth out fluctuations over time.

Yes. Your employer can make a transfer directly to your personal Swiss b-sharpe IBAN, just as they would to any other IBAN. As soon as we receive the funds from your employer, we will convert them at the market rate and transfer them to your usual bank account.

Once your salary in CHF has been received in your b-sharpe IBAN, the conversion and transfer to your euro account are completed within 24 working hours. The vast majority of transfers arrive on the same day or the next day (excluding weekends and bank holidays).

Currency conversion fees are limited to transaction charges based on the interbank rate, starting from 0.12%. There are no account opening fees, no management fees and no subscription charges. You only pay when you convert, and the amount shown before each conversion is the amount you will receive.