Made in ZugNot a Bank. Just Better Money
Money that moves on your terms, not theirs. Simply top up from your bank or crypto, hold and swap currencies, and spend worldwide. No Delays. Your money, finally in your control.
Big life moments, moved in seconds.
From tuition and rent to everyday support, Firma moves money for family and friends anywhere in the world—without the delays and fees of traditional banks.
Fall semester tuition · Switzerland
Banks Stall.
Firma 🛞️️ Moves.
Banks and money apps make you wait. They stall, freeze your funds, and charge you for it — with no one to talk to when it goes wrong.With Firma, you're in control: Instant 24/7 payments, no delays, and real human support.Built and operated in SwitzerlandFirma — Money, finally done right.
How
Compares To
| Metric | Competitor | Firma |
|---|---|---|
| Transaction fees | — | Free |
| Your money | — | Always yours |
| Settlement time | — | 0 seconds |
| Delays | — | None |
| Forex fees | — | 1% |
| Currency rate | — | Market Rate (0%) |
| Onboard time | — | < 10 seconds |
| Origin | — | Switzerland |
Why Choose Firma?Why ChooseFirma?
⚡ Lightning Fast
Send & receive instantly — anywhere in the world. No weekend holds, no back-and-forth with your bank, no delays.
⛽️ No Transaction Fees, Ever.
Never pay a cent to send or receive your hard-earned money. Keep every dollar, franc or euro that's yours.
No Payment Processing Fees
Businesses save up to 5% of their revenue and get paid instantly. No wait times to access your money.
Passkey or Security Key
Apple or Google passkey, or a hardware security key
Always Yours. Never Ours.
No one — not even Firma — can access your funds. They're secured by a biometric passkey or 12-word password.
How It Works💡
10 Seconds to Your First Payment
Choose a username and start receiving or sending in seconds. Verify your ID only when you're ready to add or withdraw money.
Bank or Stablecoins. Your Call.
Get paid your salary, send wire transfers, and add from your local bank or stablecoins. No fees to add money.
Stop Juggling Bank Accounts
Hold Firma CHF, EUR, and USD in one wallet. Swap when you want. More currencies coming soon.
One Great Rate. Every Day.
Convert instantly. No after-hours rip-offs. No weekend markups. Just live market rates, always within 1%.
Pay Anyone for Free
No fees to send or receive. No chargebacks, ever.
Send money via text, WhatsApp, Telegram, or email — even if they don't have Firma. Sign up to claim.
You received $250.00
from Jenna
My share of the Airbnb 🏠
Get Paid Instantly
Your life doesn't stop at banking hours. Neither should your money. Paid instantly, 24/7 — no holds, no delays.
Spend like a Local
From buying a coffee to shopping online, Firma makes it easy. Spend in your local currency — we handle the rest.
Organize Your Money
Trips, rainy days and everyday life.
Savings, spending, goals — each in their own place.
Trusted.
Transparent.
Always 1:1.
Firma Works For Real 🙋♀️ People
Family Comes First With Firma
Maria sends money to her parents abroad for personal and medical expenses. With banks, it cost hundreds of francs and took days. With Firma, it's free and arrives instantly.
Maria sends money to her parents abroad for personal and medical expenses. With banks, it cost hundreds of francs and took days. With Firma, it's free and arrives instantly.
Freelancing Made Better
Grace works as a solopreneur designer and receives payments from clients around the world. With Firma, she receives payments instantly and keeps all of her hard earned money for herself.
Grace works as a solopreneur designer and receives payments from clients around the world. With Firma, she receives payments instantly and keeps all of her hard earned money for herself.
Let your business keep what it earns
Alex runs a café in Zurich. Traditional payment capture systems took 3% and days to payout. With Firma, he keeps all his revenue, gets paid instantly and reinvests in his business.
Alex runs a café in Zurich. Traditional payment capture systems took 3% and days to payout. With Firma, he keeps all his revenue, gets paid instantly and reinvests in his business.
Frequent Questions 🤔
Announcements 🎉
Regulatory
Firma Announces Swiss Licensing Milestone
April 21, 2026
We’ve got some good news. Firma Operations AG is now officially a licensed financial intermediary and SRO-member in Switzerland.