Company

Built for real life in Switzerland.

Avans helps salaried people get to the money they've already earned — with a clear fee, privacy by default, and a Swiss home address.

CHF 1.95

minimum withdrawal fee

50%

maximum earned salary access

built and hosted in Switzerland

Avans exists for the ordinary week when timing is the problem: the bill lands today, payday is still ten days away, and the usual workarounds quietly turn a short gap into a long one. We give people early access to a slice of the salary they've already earned. When payday lands, the advance settles itself — and nobody at work ever needs to know.

Why we are building Avans

Pay cycles were designed for payroll systems, not for human timing. Avans is a calmer alternative to the usual overdrafts and awkward employer advances — built around money you've already earned, not money you'll owe. The fee is shown before every withdrawal, and the advance settles itself when your salary lands.

Not a loan, not credit — early access to wages already earned.
No monthly subscription. No interest. One small fee per withdrawal, shown upfront.
No employer contact during standard verification.
Settlement happens automatically from your linked Swiss account on payday.

How we make decisions

We design Avans around restraint. If a feature makes money movement feel unclear, hidden, or too easy to misuse, it does not belong. We prefer plain language, visible limits, and safeguards that help people stay in control.

Where we operate

Avans is focused on Switzerland: Swiss IBANs, Swiss salary cycles, local languages, and data residency in Switzerland. We support employees directly, without turning their employer into part of the experience.

Brand principles

The product should feel useful, private, and steady.

Clear fee before action
Private by default
Fast when it matters
Human support when timing gets messy