Help Centre & Support

You can sign up online in just a few minutes via the mobile app or the website. Simply follow the steps provided and submit the necessary supporting documents.

If your application is complete and meets the requirements, activation usually takes place within 24 working hours (excluding weekends and public holidays).

b-sharpe accepts residents of European countries. For other countries, additional information may be requested to assess whether an account can be opened.

For security reasons, these changes cannot be made directly via the customer portal. You must submit a request by email, attaching the necessary supporting documents.

An account may be suspended as part of regulatory checks or following several unsuccessful login attempts. Please contact support to obtain the necessary information. In the vast majority of cases, access is restored within an hour.

Download the IBAN details from the ‘IBAN & Documents’ section of your customer portal, then make a transfer from your bank in the relevant currency.

We recommend making the transfer in the currency corresponding to the downloaded IBAN (e.g. CHF to a CHF IBAN), in accordance with the instructions provided in the document. This helps to avoid any complications or delays in processing the transaction.

The rate applied is based on the interbank market rate, plus the transparent transaction fees charged by b-sharpe. The final rate is always displayed before the transaction is confirmed.

For amounts over CHF 15,000, we recommend contacting the desk to lock in a rate. For amounts below this, the rate can be locked in directly via the client portal.

The rate lock is a mutual commitment: b-sharpe guarantees the rate for 48 hours, regardless of market movements. In return, you commit to sending the funds within this timeframe. Once the rate is confirmed, the transaction is binding for both parties.

No, the funds must come from an account in the name of the b-sharpe account holder. If you have no other option, we recommend contacting support in advance to find a solution.

A transfer may be returned if there is an error in the beneficiary’s name, if the reference (customer ID) is missing, if the currency is incorrect, or if the funds come from an unauthorised third-party account. If in doubt, contact support.

No, b-sharpe is a currency exchange and transfer service, not a traditional bank account. The legislation we are subject to does not allow us to hold funds in your b-sharpe account.

b-sharpe offers more than 23 currencies covering the main economic regions (Europe, North America, Asia): CHF, EUR, USD, GBP, AED, JPY, CAD, MAD and many others. Find the full list at b-sharpe.com/currency-converter/.

Yes. You can set a target threshold so that you are notified when it is reached and can decide when to convert.

Yes, under certain conditions. It is not possible to do this online or via the app. However, if the conversion is to be split between several of your foreign currency accounts, you can contact our team, who will find the best solution for your transaction.

No. A b-sharpe personal CHF IBAN is sufficient to receive your salary without opening a bank account in Switzerland.

A personal IBAN is assigned in your name and facilitates the automatic receipt of funds (salary, pension, etc.). A non-personal IBAN requires you to add your surname, first name and customer ID in the ‘payment reference’ field in order to correctly identify the transfer.

From the app or the customer portal, go to the “IBAN & Documents” section, select the relevant currency and download the employer document to send.

Funds must come from an account in the name of the b-sharpe account holder or from a third party previously registered via your customer portal or directly with our teams. Authorised third parties include employers, child benefit agencies, health insurance providers, pension/AVS/AI organisations or the tax authorities. Transfers from unauthorised third parties will be declined.

You transfer the funds to your b-sharpe IBAN, confirm the conversion rate, and the converted funds are then transferred to the notary’s account or your bank.

If you are leaving Switzerland permanently, your pension fund can pay the lump sum into your b-sharpe IBAN. You can then convert the funds and transfer them to your bank account abroad.

The lump-sum withdrawal is taxed separately from other income, at a reduced rate. The tax arrangements depend on your canton or country of residence.

Once the funds have been received and the conversion confirmed, transfers are usually completed within 1 to 2 working days. Processing times may vary depending on the bank and the destination country.

b-sharpe is a Swiss financial intermediary, affiliated with SO-FIT, a self-regulatory organisation recognised by the Swiss Financial Market Supervisory Authority (FINMA). Your funds are held in a bank account domiciled in Switzerland, separate from b-sharpe’s own funds.

Yes. b-sharpe benefits from insurance cover of up to CHF 5 million, which protects funds against the risks of hacking or misappropriation.

When you lock in a rate, it is valid for a set period (usually 48 hours). The funds must be sent within this timeframe. If the funds are not received within the allotted time, the lock-in may be cancelled. Depending on market movements, fees may apply if the transaction results in a loss.