Your large sums deserve a rate that matches the stakes
Buying property abroad, repatriating capital, selling a property… when it comes to large transfers, every hundredth of a percentage point counts. With b-sharpe, you see the exact cost before every transaction, with no nasty surprises.
The higher the amount, the smaller the margin
Unlike banks, which do not display their prices, b-sharpe uses the actual interbank rate (the same market used by banks) and adds a sliding-scale transaction fee: the larger your transfer, the lower the margin.
For transactions of CHF 100,000 or more, you can benefit from particularly competitive transaction fees, ranging from 0.12% to 0.25% depending on the currency and amount. For larger volumes, bespoke terms are available.
The result? A final price that’s always visible before each transaction, which you can compare with your bank’s rates in a matter of seconds.
Interbank market rate
+ Declining margin based on the amount
= Favourable B-Sharpe ratio
For what kind of projects
would you spend a large sum of money?
Are you financing a property purchase abroad?
- On a deposit of CHF 100,000, the bank’s margin can amount to a loss of between EUR 1,000 and EUR 3,000 even before the contract is signed.
- Lock in your exchange rate for up to 48 hours or longer with a forward exchange contract to safeguard your budget.
Are you withdrawing your 2nd pillar savings?
- With a BVG balance of CHF 200,000, poor timing when converting the funds could cost several thousand euros.
- Our team is here to support you every step of the way, from choosing the interest rate to receiving the funds.
Are you repatriating your Swiss savings?
- Leaving Switzerland, selling a property, receiving an inheritance: these are significant moments. They deserve a rate that matches their importance.
- Lock in your rate today or wait for the right moment.
Are you changing your cross-border salary?
- CHF 7,000 a month amounts to CHF 84,000 a year. Your bank’s margin can really add up.
- b-sharpe is up to 80% cheaper than a bank. On an annual amount of CHF 84,000, the saving is usually over EUR 1,000.
Whatever your project, you can count on a fair rate for every transaction. Our team is here to support you every step of the way.
Lock in your rate to safeguard your funds
Between the time you decide to convert and the time you actually receive your funds, the exchange rate may change. b-sharpe offers two options to lock in your exchange rate and avoid any unpleasant surprises.
🔒 Rate lock for up to 48 hours
- Rate locked at the time of the simulation
- Ideal for a short-term payment to the solicitor or the seller
- Conversion and transfer within 24 working hours
📅 Forward foreign exchange contract
- Fixed rate over a long term
- Ideal for a project with a staggered completion schedule
- Support from our FX experts in Geneva
A b-sharpe
adviser at your side
Adrien will assist you with managing your large-scale transfers. He will analyse your project, explain the options available (fixed rate or rate on receipt, forward exchange contract, currency risk hedging) and remain your dedicated point of contact from the initial simulation right through to the receipt of funds.
How does a
large-sum transfer work?
01
Open an account
Sign up entirely online in just a few minutes. You will receive a Swiss IBAN in your name.
02
Talk to your advisor
Our team will analyse your project, explain the options to you and help you choose the right time to switch.
03
Create your campaign
Log in to your customer account and enter the amount and the recipient’s account details. You will immediately see the exchange rate and the final amount.
04
Please submit the supporting documents
Under the Anti-Money Laundering Act (AMLA), you are required to establish the source of funds. Your adviser will inform you of the supporting documents required.
05
Send your funds
Make a bank transfer from your bank to your personal b-sharpe IBAN. Once we receive the funds, they will be ready for conversion.
06
Receive within 24 hours
Once we have received your funds, the conversion and transfer will be completed to the account of your choice within 24 working hours. You can track the progress via the customer portal.
What documents
are required for a large transfer?
Swiss regulations (LBA) require the source of funds to be established for significant transactions. The following are the most common supporting documents that need to be provided.
Property sales
- Notarised deed of sale
- Bank statement showing the payment
- Identity document
Withdrawal from the LPP / 2nd pillar
- Pension fund certificate
- Statement of services
- Identity document
Legacy
- Affidavit or certificate of inheritance
- Bank statement
- Identity document
Salary or bonus
- Payslip or employer’s certificate
- Employment contract
- Identity document
Sale of assets / investments
- Portfolio statement or transaction statement
- Bank statement showing the payment
- Identity document
Loan or donation
- Loan agreement or deed of gift
- Proof from the lender or donor
4.8/5 on Trustpilot
Over 3,000 verified reviews, not just empty promises
Your funds
are in safe hands
When dealing with large sums of money, security is not an option.
b-sharpe is a Swiss financial intermediary that is regulated, insured and transparent.
A regulated intermediary in Switzerland
b-sharpe is a Swiss financial intermediary affiliated with SO-FIT, a Swiss self-regulatory organisation.
You are operating in an environment that complies with Swiss standards.
Enhanced protection for funds
Insurance cover of CHF 5 million provides additional protection for your funds against the risks of fraud, hacking or embezzlement.
Over 20 years’ experience in foreign exchange
Founded in 2006 by Jean-Marc Sabet following a career at UBS, HSBC and Synthesis Bank, b-sharpe has served over 40,000 clients. Trustpilot rating: 4.8/5.
A team of experts, highly regarded by our clients
Our experts will guide you through getting to grips with the platform, as well as helping you navigate the challenges and complexities of currency exchange.
Frequently
asked questions about large transfers
Our solution offers savings right from the very first franc, but the difference in fees compared to a bank becomes particularly significant once you reach a few thousand francs. For large transfers (CHF 50,000 and above), our sliding-scale margin allows you to save several hundred to several thousand euros compared to a traditional bank. And our team provides personalised support for your largest transactions.
Once your funds have been received in your b-sharpe IBAN, the conversion and transfer to your final account are completed within 24 working hours. The total time taken depends mainly on how quickly your initial transfer is processed (usually 1 to 2 working days depending on your bank, sometimes longer if your bank requires a branch visit for large amounts).
Yes. You have a choice: fix your rate in advance (guaranteed for 48 hours, giving you time to make your transfer) or let the rate apply upon receipt of your funds. For transactions spread out over a longer period (for example, a preliminary agreement with the final deed several months away), our FX team can offer you a forward exchange contract with a longer maturity.
Yes. b-sharpe is a Swiss financial intermediary affiliated with SO-FIT, a self-regulatory organisation recognised by FINMA. Your transfers are covered by CHF 5 million in insurance against fraud and hacking. Your funds pass through a Swiss IBAN in your name, separate from the company’s accounts.
For amounts over CHF 10,000, Swiss banks may ask you for details about the transaction (origin and destination of the funds, reason for the transfer). This is a standard compliance procedure, not a block. For very large amounts, some banks require you to visit a branch to validate the outgoing transfer: check with your bank advisor in advance to avoid any delays.
The transfer itself does not trigger any tax liability: it is the nature of the funds that is taxable (salary, capital gains from property, inheritance, LPP, gifts, etc.), depending on the specific rules in Switzerland and your country of residence. Please note: certain transfers must be declared to the tax authorities, even if they are not subject to tax. For sensitive transactions, consult a tax adviser.