First experience, excellent.
Large amount exchanged, quickly (on the account the next day), transparent conditions. Professional telephone service. Practical and intuitive app. Thank you.
Your money deserves better than the rate your bank offers
Most banks add hidden mark-ups to the actual exchange rate. It looks like it’s free, but it isn’t. At b-sharpe, we show you a clear rate with no hidden surprises. You can see exactly what you’re paying and what you’re earning.
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How does it work? We’ll explain everything!
There are a thousand reasons to exchange money. We adapt to all of them.
“I work in Geneva and live in Annecy. My salary is in CHF, but my expenses are in EUR.”
Every month, Alex’s salary is automatically converted into euros as soon as it is received in his Swiss IBAN account, and then transferred to his French account.
“I work in Geneva and live in Annecy. My salary is in CHF, but my expenses are in EUR.”
Every month, Alex’s salary is automatically converted into euros as soon as it is received in his Swiss IBAN account, and then transferred to his French account.
“I pay my suppliers in euros and dollars every month. The bank was charging me a fortune without me even realising it.”
With a single bank transfer in CHF to b-sharpe, Julien pays his suppliers in EUR, USD and other currencies at the rate displayed before each transaction.
“I pay my suppliers in euros and dollars every month. The bank was charging me a fortune without me even realising it.”
With a single bank transfer in CHF to b-sharpe, Julien pays his suppliers in EUR, USD and other currencies at the rate displayed before each transaction.
“After 12 years in Switzerland, I wanted to return to France. I needed to transfer my 3rd pillar pension and my personal savings.”
Claire transferred her savings from Geneva to her French account at market rates, with a dedicated contact person to assist her until the funds were received.
“After 12 years in Switzerland, I wanted to return to France. I needed to transfer my 3rd pillar pension and my personal savings.”
Claire transferred her savings from Geneva to her French account at market rates, with a dedicated contact person to assist her until the funds were received.
Some live in Switzerland, others in France. Like you, we understand the realities of daily life straddling two currencies. That’s what inspired us to create b-sharpe: a currency exchange service designed by people who live this reality, to help you manage your money with complete confidence.
Exchanging currencies is never a trivial matter. Behind every conversion, there is a life in motion: a salary to be repatriated, a property purchase to be finalised, savings to be transferred. At b-sharpe, we champion a simple idea: currency exchange should be accessible, transparent and fair, a far cry from the opacity of the banking sector. A vision now shared by over 40,000 customers, in Switzerland and beyond.
Frequently asked questions about our currency exchange service
How do I create my b-sharpe account?
Registration is free, with no obligation, and you only pay when you carry out a currency exchange transaction. The process varies slightly depending on your profile:- For individuals: Registration is completed entirely online in under 10 minutes. Enter your details, upload proof of identity and proof of address (dated within the last 6 months and in your name). Your application is usually approved within 24 working hours .- For businesses: You can complete your company’s basic details in 2 minutes on our website. A dedicated b-sharpe account manager will then contact you within 24 hours to finalise your registration and configure your account to suit your business’s needs.
Who can open a b-sharpe account?
b-sharpe is open to individuals residing in Switzerland or abroad, as well as to businesses and the self-employed. Whether you want to convert your salary into CHF, pay a supplier in foreign currency or manage intra-group flows, a single account is all you need for all your transactions.
Can I manage my account from my phone?
Yes, b-sharpe is available on mobile via the iOS and Android apps. You can carry out your conversions, track your transactions and receive real-time exchange rate alerts, wherever you are.
How do I contact my b-sharpe advisor?
At b-sharpe, you have a personal advisor who can be contacted directly by phone, WhatsApp, chat or email. With us, every client has a direct human contact, not a hotline with a 15-minute wait. Our team is based in Geneva and is available Monday to Friday from 8am to 6pm. For urgent matters or questions about your current transactions, please call us directly on the number provided in your client portal.
Does b-sharpe offer personalised support?
Yes. In addition to the self-service platform, you can access a dedicated desk for your complex transactions: rate locking, hedging strategies, and recurring payments. Our experts are available Monday to Friday from 9am to 6pm to assist you, whether you’re getting started or dealing with day-to-day foreign exchange challenges.
Comment fonctionne le service de change b-sharpe ?
Une fois connecté, vous indiquez le montant et la devise souhaitée. Vous visualisez immédiatement le taux appliqué et le montant que vous recevrez, sans surprise. Vous validez l’opération, puis effectuez le virement depuis votre compte bancaire vers votre IBAN b-sharpe à votre nom. Dès réception des fonds, nous exécutons le change et créditons votre compte de destination, généralement le jour-même ou sous 24 heures ouvrées.
Comment le taux de change b-sharpe est-il calculé ?
b-sharpe se base sur le taux interbancaire réel, le même utilisé par les banques entre elles, auquel s’ajoutent des frais d’opération. Chez b-sharpe, la transparence est une priorité : quand vous validez un montant, vous avez la garantie de le recevoir.
Quelle est la différence entre le taux fixé et le taux au marché ?
Avec le taux fixé, vous verrouillez votre taux en temps réel et il reste garanti 48h, le temps de nous envoyer vos fonds. Avec le taux au marché, vous envoyez vos fonds sans fixer de taux au préalable : le taux appliqué sera celui du marché au moment de la réception de votre virement.
Combien de temps prend un transfert ?
Une fois vos fonds reçus et la conversion validée, le transfert est exécuté sous 24 à 48 heures ouvrées selon les devises concernées. Les opérations passent par des banques suisses de premier ordre.
Quelles devises sont disponibles sur le service de change b-sharpe ?
b-sharpe propose plus de 23 devises, couvrant l’essentiel des besoins en Europe, Amérique du Nord et Asie : CHF, EUR, USD, GBP, AED, JPY, CAD, MAD et bien d’autres. Retrouvez la liste complète sur b-sharpe.io/en/currency-converter/.
Pourquoi utiliser un service de change en ligne plutôt que ma banque ?
Les banques traditionnelles appliquent généralement des frais d’opération de 1,5% à 2,5% sur le taux interbancaire réel, auxquels s’ajoutent des frais de virement. Chez b-sharpe, profitez de frais d’opération réduits, dès 0,12 %. Nous prenons la transparence au sérieux : le montant que vous validez est celui que vous recevrez. C’est garanti. Sur un salaire mensuel de 5 000 CHF, cela représente généralement plusieurs dizaines d’euros économisés chaque mois.
Quelle est la limite de montant pour les transactions ?
Il n’y a pas de montant maximum imposé pour une transaction. Pour les montants importants, notre desk est disponible pour vous accompagner et optimiser les conditions de votre opération. À noter que pour les montants significatifs, une justification de la provenance des fonds peut être demandée, conformément à la réglementation suisse anti-blanchiment.
Y a-t-il un montant minimum pour changer des devises avec b-sharpe ?
Non, il n’y a pas de montant minimum imposé pour une opération ponctuelle. Pour les opérations récurrentes ou les montants importants, notre desk peut vous proposer un accompagnement adapté. Vous ne payez que lorsque vous changez : aucun frais fixe ni abonnement.
Puis-je programmer des alertes de taux ?
Oui. Vous pouvez définir un seuil de taux cible et recevoir une alerte dès qu’il est atteint. Cela vous permet de convertir au moment le plus favorable, sans surveiller les marchés en permanence.
Puis-je annuler ou modifier une transaction après l’avoir initiée ?
Si vous ne bloquez pas de taux, le change est effectué à la réception des fonds, il est donc possible d’annuler tant que les fonds ne sont pas envoyés. Par contre, si vous décidez de bloquer le taux, une fois la transaction validée, l’opération est engagée et ne peut pas être annulée. C’est pourquoi nous affichons le taux et le montant exact avant chaque validation, pour que vous puissiez vérifier tous les détails avant de confirmer. En cas de question sur une transaction en cours, contactez notre équipe le plus rapidement possible au numéro indiqué dans votre espace client.
Is the b-sharpe currency exchange service secure?
b-sharpe is affiliated with SO-FIT, the self-regulatory body for financial intermediaries in Switzerland. Your funds are strictly segregated from our own funds and are never commingled. Based in Geneva and subject to Swiss law, we operate in accordance with the strict standards of Swiss financial regulation. Additional insurance cover of CHF 5 million further protects your funds against fraud and hacking.
Is b-sharpe regulated?
Yes. b-sharpe is a Swiss financial intermediary, affiliated with SO-FIT, the Swiss self-regulatory body. Your funds never leave Switzerland: they are held in bank accounts domiciled in Switzerland, strictly separated from our own funds.
Can a cross-border worker use b-sharpe without a Swiss account?
Yes. b-sharpe is particularly well suited to cross-border workers who do not wish to open a bank account in Switzerland. Upon registration, b-sharpe assigns you a personal Swiss IBAN, starting with CH, accepted by 100% of Swiss employers, into which your employer pays your salary directly in CHF. b-sharpe then takes care of automatically converting your Swiss francs into euros and transferring the funds to your bank account in France. No banking procedures in Switzerland are required.
What are the fees for changing Swiss francs into euros?
At b-sharpe, the CHF/EUR exchange fees are limited to a transaction fee applied to the interbank rate, from 0.12%. There are no account opening fees, no management fees, and no hidden transfer fees. The amount you confirm is the amount you will receive: no nasty surprises.
How long does it take to receive my euros after a CHF/EUR exchange?
Once your Swiss francs are received in your b-sharpe account, the CHF/EUR conversion is executed and the euros are transferred to your account the same day or the next business day, depending on the time the funds are received. In practice, the vast majority of transfers arrive within 24 business hours. Weekends and public holidays are not counted in this timeframe.
Do I have to declare my b-sharpe IBAN to the French tax authorities?
No. You do not have to declare your b-sharpe IBAN to the tax authorities (via the Cerfa 3916 form). b-sharpe is a financial intermediary. Your IBAN is a transit account used solely to convert your currencies. Since your funds merely pass through it and are never held there, it is not a deposit account subject to the legal declaration requirement.
Which exchange rate should I use for my tax return in France?
The French tax authorities allow cross-border workers to use an annual average rate published each year on the 2047-Suisse form, set at 1 CHF = 1.07 EUR for 2025 income. If this rate is unfavorable to you, you can use the exchange rate on the day each salary was received. b-sharpe does not provide tax advice. We recommend that you reach out to an accountant specializing in French-Swiss taxation.
Is Switzerland in the SEPA zone?
Yes, Switzerland is a member of the SEPA zone, which allows transfers between Switzerland and the European Union. However, some banks charge additional fees on these transfers. With b-sharpe, transfers to your account in France are included at no additional cost.
