Instant payments. Zero fees. Non-custodial. Swiss
Operated in Switzerland
Instant, zero-fee global payments
Trusted by 1,000+ users. 150+ countries.
Join in 10 seconds.
Big life moments, moved in seconds.
From tuition and rent to everyday support, Firma moves money for family and friends globally—without the delays and fees of traditional banks.
Fall semester tuition · Switzerland
Banks Stall.
Firma 🛞️️ Moves.
Banks, payment processors and money transfer apps work against you. High fees. Slow transfers. No control.At Firma, we believe money should move freely and cost less.So we flip the script: instant payments, zero fees, and true self-custody — all operated securely out of Switzerland.Firma is banking that doesn't suck.
HowCompares To
| Metric | Competitor | Firma |
|---|---|---|
| Transaction fees | — | 0% |
| Settlement time | — | < 3 seconds |
| FX / currency fees | — | 0% |
| Non-custodial | — | Yes |
| Onboard time | — | < 10 seconds |
| Origin | — | Switzerland |
Why Choose Firma?Why ChooseFirma?
⚡ Lightning-Fast Payments
Spend your cash instantly. Arrives in a second and final settlement in two. No holds, waiting-times or lock-ups.
⛽️ 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.
Apple or Google Passkey
Stored securely using Face ID or Touch ID
🔒 Truly Non-Custodial
Your funds are under your control. Protected by encryption, stored as a passkey on your device, or 12 word password.
How It Works💡
Pay Anyone, Anywhere
In different currencies. No wait times or fees.
Send money via text message, Whatsapp, Telegram or email, even if they don't yet have a Firma account.
You received $250.00
from Jenna
My share of the Airbnb 🏠
Get Paid Instantly
Payments clear in 2 seconds with no processing fees.
Perfect for freelancers, businesses, and individuals. Keep all your revenue, not just a cut.
Store Global Currencies
Keep USD, CHF, EUR and more in one wallet.
All held securely in Swiss banks.
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 overseas for personal and medical expenses. With banks, it costs hundreds of dollars and took days. With Firma, it's free and arrives instantly.
Maria sends money to her parents overseas for personal and medical expenses. With banks, it costs hundreds of dollars and took days. With Firma, it's free and arrives instantly.
Freelancing Made Better
Grace works as solopreneur designer and receives payments from clients across the globe. With Firma, she receives payments instantly and keeps all of her hard earned money for herself.
Grace works as solopreneur designer and receives payments from clients across the globe. 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.