Don't wait
for payday.
Access up to 50% of the salary you've already earned privately, transparently, and with one clear fee.
In-app updates
CHF 420 settled
Access earned salary
when timing gets tight.
CHF1.95
minimum withdrawal fee
Manual
controlled payout workflow
50%
of earned salary accessible
Private
employer not contacted
Fixed pricing, clear payout status, and a controlled settlement workflow around payday.
How much could you unlock today?
Move the sliders to your numbers. The result updates live.
Fee rate
2.9%
Minimum
CHF 1.95
Settled
Next payday
- You receive
- CHF 1'699.25
- Fee (2.9%)
- CHF 50.75
- Settled on payday
- CHF 1'750.00
Salary lands once a month. Life doesn't.
A flat tire, a vet bill, a deposit due before the 25th — sometimes timing is the problem, not your salary. Avans helps bridge that gap with clear costs that settle automatically when your salary arrives.
Without
The usual scramble
- Manual workarounds
- Unclear total cost
- Another thing to remember
With Avans
Avans
- Fee shown upfront
- Employer stays private
- Cleared on payday — done
Three taps.
No paperwork.
From signup to review in a few clear steps. Payout and settlement status stay visible in the app.
Built for the gap
between work and payday.
Clear
Fee shown upfront
“My boiler died a week before payday. Took out CHF 600 in under a minute, paid the plumber, done. No awkward call to my manager.”
Lena M.
Nurse · Zurich
“I used to pay overdraft fees almost every month. With Avans I see the fee before I tap, and I'm not stuck in the red anymore.”
Adrien R.
Construction foreman · Lausanne
“What sold me is that my employer has no idea I use it. Everything settled on payday and that was that.”
Marta K.
Hospitality · Bern
Your money. Your business.
No surprise fees. No emails to your boss. No data leaving Switzerland.
What you see is what you pay
The fee shows before you tap. No extras, no late penalties, no surprises after the money lands.
Your boss never finds out
We verify you from your payslip alone. Avans never calls, emails, or contacts your employer or HR.
Your data stays in Switzerland
Everything runs from data centres in Zurich and Geneva. We don't sell it, share it, or send it abroad.
Your bank stays your bank
We don't store your bank password. Payments run through controlled Avans provider workflows.
Swiss-built. Swiss-hosted. Made for people in Switzerland.
Your data lives in Zurich and Geneva — never sent abroad, never sold.
One small fee. Nothing else.
You only pay when you take money out. No subscription, no surprises.
Per withdrawal
Then 2.9% on what you withdraw · No other fees, ever
Example
- No monthly fee
- No extra costs, ever
- No late surprises
- Cancel any time
Free to download. You only pay if you withdraw.
Straight answers, before you download.
Still have questions? Email us at hello@avans.ch. We reply within a working day.
Don't wait
for payday.
Your salary, the day you need it. Clear fee. No paperwork. Settles automatically when payday comes.