Swiss Pension Payment abroad
Save on exchange rates with the Virtual IBAN
Have you worked in Switzerland and want to enjoy your well-deserved retirement in Europe?
Don’t let bank fees and unfavorable exchange rates reduce your monthly pension payment. With Moneyswapp.com, you can receive your AHV, pension fund or Third Pillar pension directly in Euros, quickly and conveniently, even without having an expensive Swiss bank account!
The smart solution for your Swiss pension
Receiving your Swiss pension payment outside Switzerland can be expensive when relying on traditional banking channels. Banks often apply high spreads to convert your CHF into Euros, along with collection fees that reduce your purchasing power. Even Euro transfers from Switzerland to the Eurozone can be costly.
Without a Swiss bank account!
You do not need a Swiss bank account. Moneyswapp assigns you a free transit virtual IBAN.
Competitive exchange rate:
Much closer to the market exchange rate than traditional banks.
Speed:
We receive your CHF through a Swiss domestic payment and send the Euros to your bank account via SEPA bank transfer.
The Virtual IBAN service by Moneyswapp.com is the perfect solution for cross-border workers’ pensions and for Swiss citizens who decide to move to Europe to enjoy their well-deserved retirement.
Who is the service for?
Swiss Pension abroad?
Retired Cross-border Workers
Are you a former cross-border worker who paid social contributions in Switzerland?
Managing your Swiss pension payments abroad doesn’t have to be a bureaucratic headache. With our personalized virtual IBAN (in your name), your pension fund (BVG), AHV or third pillar provider can transfer Swiss francs just like to a Swiss bank account, while you receive ready-to-use Euros directly on your local bank account.
Swiss Citizens living in Europe
Have you decided to move elsewhere in Europe for your retirement?
Many Swiss banks charge high fees for non-residents. With Moneyswapp.com, you can continue receiving your Swiss funds freely without the need to maintain an expensive Swiss bank account.
How does the Virtual IBAN from Moneyswapp.com work?
The process is simple, secure and transparent:
1. Activation:
Register on Moneyswapp.com and get your personal Swiss Virtual IBAN.
2. Notification:
Provide your new IBAN to the institution paying your monthly pension (AHV, pension fund, Suva or third pillar insurance provider).
3. Receiving:
Moneyswapp receives your Swiss francs (CHF) through a Swiss domestic payment, with no incoming fees.
4. Conversion and Transfer:
We convert your Swiss francs into euros and instantly send them to your bank account via SEPA transfer.
Why choose Moneyswapp.com?
Security
regulated Swiss financial intermediary.
No fixed fees
You only pay a small fraction on the currency exchange, with no monthly fees. You will receive exactly the amount shown in the exchange interface.
Total transparency
You always see the applied exchange rate before conversion. Check our real-time exchange rates.
Dedicated support
A team of experts at your disposal to assist you, including during the initial setup. Our team is available to help you with your first currency exchange or provide a short exchange rate consultation.
What is the virtual IBAN from Moneyswapp.com?
A Virtual IBAN is a personal identification code that allows you to receive transfers quickly and securely, acting as a digital “bridge”.
Unlike a traditional bank account, the Virtual IBAN from Moneyswapp.com does not require opening a new banking relationship. It is designed to route funds directly to the main account of ELP SA, the company operating Moneyswapp.com, ensuring automatic reconciliation and more competitive exchange rates for CHF to EUR transactions. The CHF amount sent to your Virtual IBAN is automatically converted into Euros and transferred to your designated Euro bank account.
Swiss citizens abroad
More and more Swiss citizens are choosing to enjoy their retirement away from the Alps, even if only for a few months each year. The main reasons are usually a lower cost of living, a milder climate and, in some cases, attractive tax advantages.
Here are the most popular European destinations for Swiss retirees in 2026:
- Italy
- France
- Germany
- Spain
- Portugal
- Greece
But how can you transfer your Swiss pension to a European country efficiently and securely?
Optimize your Swiss Pension Payment in Euros today
Don’t give away your savings to banks and traditional intermediaries. Join thousands of retirees and cross-border workers who have already chosen the convenience and simplicity of Moneyswapp.com.
Calculate now how much your pension currency exchange costs
Enter the amount of your pension in CHF and find out how many more euros you could receive
*Savings of 200 basis points (0.02%) are calculated by comparing CambiaValute.ch rates with the average rates charged by traditional banks and financial intermediaries in Switzerland.
ACTIVATE YOUR
FREE VIRTUAL IBAN
Do you have questions? Contact our consultants.
Would you prefer to visit us in person? We are located in Chiasso, just a short walk from the railway station. Visits are by appointment only.