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How does Swimo work?

Sign up, get your personal vIBAN, send CHF and receive EUR, USD or GBP.
Simple, fast and transparent.

Get started with Swimo today

Simple for everyone

Transfer funds from your Swiss bank account to your Swimo vIBAN and exchange CHF into EUR, USD or GBP at rates more competitive than those offered by traditional banks.

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No need for
a Swiss bank account

A virtual IBAN (vIBAN) is a personal Swiss IBAN provided free of charge when you register. It acts as a dedicated transit account to receive your funds in Swiss francs, convert them at a competitive exchange rate and transfer them directly to your account in euros, US dollars or pounds sterling.

What’s included with the Swimo vIBAN

  • No setup fees or monthly charges
  • Competitive exchange rates
  • Automatic transfer within 24–48 hours

What the Swimo vIBAN does not provide

  • Long-term fund storage or deposit services
  • Transfers to or from third parties
  • Direct payment of bills or invoices from the vIBAN

Simple at every step

From registration to conversion. Find out all the steps.

Sign up and get your Swimo IBAN

Create your account in just a few minutes.
  • Register and verify your identity
  • Add your bank account details
  • Sign the required documents electronically

Calculate your exchange

Enter the amount you want to exchange and instantly see your rate, with complete transparency.

Trasfer

You have two options:
  • For your salary Share your vIBAN with your employer and ask them to pay your salary to that account.
  • For your savings Make a bank transfer from your Swiss account to your personal vIBAN.

Receive EUR, USD or GBP

The system automatically detects incoming funds, applies a competitive exchange rate, converts the amount and transfers it to your destination account within 24–48 business hours.

More than CHF:Exchange the currency you need

If you need a one-off currency exchange, you can use Swimo’s standard exchange service to convert EUR, CHF, USD and GBP quickly and transparently.

Maximum flexibility in 4 simple steps

  1. Submit your request

    Log in to the platform and enter the amount you would like to exchange.

  2. Lock in your exchange rate

    Secure your rate instantly and know exactly how much you'll receive, with no hidden fees.

  3. Send your transfer

    You'll receive a confirmation email with the bank details needed to send your funds.

  4. Receive your money

    Once your funds have been received, the converted amount is transferred to your destination account within 24 hours.

Start exchanging

Security and compliance

Swimo is built to keep your transactions secure. Full compliance with Swiss and international financial regulations ensures reliability at every step.

Secure transactions

SSL encryption safeguards all sensitive information and communications.

Affiliated with PolyReg and compliant with applicable financial regulations.

Transparent invoicing

No hidden fees

Our virtual IBAN is completely free to use, with no setup costs or recurring fees. For regulatory reasons, certain transactions, such as those exceeding CHF 15,000, may require additional verification.

Terms & Conditions
Registration Free
Opening a vIBAN account Free
Rent Free
Data updates Free
Closure of vIBAN Free
Terms & Conditions

Ready to change?

Sign up today and discover how simple, transparent and cost-effective currency exchange can be with Swimo.

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