How does currency exchange work with b-sharpe?
A simple, fast and transparent service for converting your currency at the best rate.
No hidden fees, 100% online, 100% Swiss.
Competitive rates
No hidden fees
100% Swiss secure service
Exchange your currency
in 3 simple steps.
Create your campaign
From your customer portal or the b-sharpe app, enter the amount, the desired currency and the recipient’s account details. You will immediately see the exchange rate applied and the amount you will receive.
Send your funds
Make a transfer via your online banking to the b-sharpe IBAN in your name. There is no reference number to copy: the IBAN is specific to you.
Receive your currency within 24 hours
b-sharpe converts and transfers your funds to the account of your choice, in the currency of your choice. Funds are received within 24 working hours.
Create your campaign
From your customer portal or the b-sharpe app, enter the amount, the desired currency and the recipient’s account details. You will immediately see the exchange rate applied and the amount you will receive.
Send your funds
Make a transfer via your online banking to the b-sharpe IBAN in your name. There is no reference number to copy: the IBAN is specific to you.
Receive your currency within 24 hours
b-sharpe converts and transfers your funds to the account of your choice, in the currency of your choice. Funds are received within 24 working hours.
A fair rate for every conversion
Unlike banks, which do not display their rates, b-sharpe uses the actual interbank rate to offer you a competitive price on every transaction.
Our converter always shows you the exact amount you will receive: the amount sent and the amount received, with no hidden surprises. You know exactly what you will receive before you confirm.
How do our transaction fees work?
b-sharpe obtains the rate from the over-the-counter (OTC) market – the same market used by banks – and adds a transaction fee.
This fee is on a sliding scale: it automatically decreases as the amount of your transaction increases.
The result? A final price that is always displayed in our converter, so you can easily compare it with your bank’s rates before making a decision.
Interbank market rate
+ b-sharpe transaction fees from 0.12%
= b-Sharpe ratio
Two ways to fix your rate
Depending on your preference, you can choose to lock your exchange rate in advance or take advantage of the rate at the time your funds are received.
🔒 Rates fixed in real time
- Rate locked at the time of the simulation
- You have 48 hours to make the transfer
- Conversion and transfer within 24 working hours
📈 Rate upon receipt of funds
- No deadline for submission
- Rate at the time the funds are received
- Conversion and transfer within 24 working hours
Swiss reliability. The agility of a fintech company.
Your conversions and transfers are processed via a secure and transparent Swiss system.
You remain in control at every stage, from the first click to the receipt of funds.
A Swiss IBAN in your name
No more copying payment references. Transfer your funds just as easily as you would with a traditional bank account.
A 100% Swiss service
A secure solution and a Geneva-based team, serving you since 2013.
Save money on every transaction
Our rates are among the most competitive on the market. Everything is disclosed in advance, so you know exactly how much you will receive.
Over 40,000 satisfied clients
With an average rating of 4.8/5 on Trustpilot
A Swiss IBAN in your name
No more reference numbers to copy. Simply give your employer your b-sharpe IBAN in your name. Every time you are paid, b-sharpe automatically converts your CHF and transfers the funds into the currency of your choice to your bank account.
A solution compatible with 100% of Swiss employers, ideal for cross-border workers.
Frequently asked questions
about currency exchange
Our rates are based on the actual interbank rate, to which we add transaction fees that decrease depending on the amount and currency pair. Unlike banks, we always show you the final price in our converter: you know exactly what you will receive before confirming.
The fixed rate allows you to lock a rate for 48 hours via the app or our team: you are protected against fluctuations until your transfer arrives. The market rate means the rate will be applied when we receive your funds, offering more flexibility without any time constraints.
Once your funds have been received, the conversion and transfer are completed within 24 working hours. The total time taken depends on how quickly your initial transfer is processed (usually 1 to 2 working days depending on your bank).
b-sharpe does not charge any account opening, management or closing fees. The only cost is the transaction fee on the exchange rate, starting from 0.12% depending on the amount and currency pair. The final price is always visible in our converter before confirmation.
When you open a b-sharpe account, you receive a Swiss IBAN in CHF in your name. You can provide this to your employer to have your salary paid directly into b-sharpe. Each time a payment is received, your funds are automatically converted and transferred to your account in the currency of your choice.
The foreign exchange market is closed at the weekend. The rates displayed on Saturday and Sunday are indicative and non-binding. If you set a rate on Friday, the 48-hour window applies as normal. Conversions resume on Monday morning.