Discover Ibanista, your trusted partner for currency exchange. 

The team is built from 15 years of experience, working within legacy foreign exchange brokerages, who have helped thousands of individuals and business transfer their money abroad.

We have taken the best of what Fintech has to offer to allow expats around the world to live life to the fullest and businesses to thrive on an international scale. By collaborating with reputable UK-based and France-based Fintech firms, duly regulated by HMRC and FCA, we have the capability to offer advantageous wholesale currency exchange rates to both individuals and businesses.

Our bespoke solutions are designed to protect our clients from currency fluctuations, ensuring their plans remain on track. Discover how our partnership-driven approach and specialised currency protection solutions can benefit your financial needs today.

Ibanista

Living as an expat in France comes with a unique set of challenges, from managing daily expenses to understanding the practicalities of car ownership and handling essential administrative tasks. That’s why we’re hosting a 45-minute Live Q\&A to provide you with expert advice and practical tips to navigate these key aspects of life in France.

Join Ben Small as he shares valuable insights on the practical aspects of life in France, covering everything from budgeting to essential admin tasks. In this 45-minute Live Q\&A, you'll get answers to all your questions about navigating life as an expat.

Here’s what you can ask during the session:

*   **Budgeting for life in France** – How much should you budget for daily living expenses?
*   **Car rental vs. purchasing** – Which option is more practical for expats, and what should you consider?
*   **Opening a French bank account** – What’s the process and what do you need to know?
*   **Managing utility bills** – How to set up and manage payments for utilities in France.
*   **Tax obligations in France** – Understanding your tax responsibilities as an expat.
*   **Healthcare registration** – How to navigate the French healthcare system.
*   **Understanding social charges and other fees** – What hidden fees should you watch out for?
*   **Practical tips for expat admin** – From setting up internet to dealing with local bureaucracy.

This is a live, interactive event, so don’t miss the chance to ask your specific questions! Whether you're new to France or have been living here for a while, this session is designed to help you make the most of your expat experience.


Live Q&A on Expat Life in France: Practical Tips on Costs, Cars & Admin

Navigating the French rental market as a foreigner can be challenging. From understanding visa-compliant rentals to preparing the perfect *dossier*, there are many hurdles to overcome. That’s why we’re hosting a **45-minute Live Q\&A** dedicated to answering all your questions about finding a long-term rental in France.

Join **Ben Small**, our expert, as he shares practical advice and insights to help you secure your ideal home. Whether you're struggling with agency requirements, unsure how to deal with private landlords, or confused about what paperwork you need, this session will provide the answers you need.

This is a live, interactive session, so bring your questions! Whether you're planning your move or already in France and struggling to find a rental, this event is designed to help.


Live Q&A Long-Term Rentals in France

Are you planning to buy a property in France but unsure about the process? Join us for an enlightening webinar that uncovers the hidden aspects of property purchasing in France—topics not always explained by your notaire. This session is perfect for expats navigating the French property market and looking for expert advice to avoid pitfalls and ensure a smooth investment.

## **What to Expect from the Webinar**

Gain practical insights into the legal and cultural nuances of buying property in France, with expert advice on managing risks and understanding key documents. Here’s what the webinar will cover:

**Part 1: Diagnostics vs. Surveys – The Cultural Misconception**

*   Explore the difference between diagnostics and surveys in France.
*   Understand why this misconception exists and its impact on buyers.
*   Learn what to realistically expect from a notaire in these situations.

**Part 2: Decoding the Compromis de Vente (CDV) and Managing Risks**

*   Understand terms like *vice caché* and *garantie décennale*, and their implications.
*   Discover what a thorough property survey entails and why it’s essential.

**Part 3: Real-Life Client Scenarios**

*   Examine how French courts interpret responsibility in property disputes.
*   Learn from real-life examples to better prepare for your purchase.

**Q\&A Session: Get Expert Advice**

Have specific questions about buying property in France? This is your chance to ask our panel of experts anything, from notarial responsibilities to managing risks and more.

**Don’t Miss Out!**

Whether you’re a first-time buyer or looking to expand your property portfolio in France, this webinar will equip you with the knowledge and tools needed to make informed decisions. Register now to secure your spot!


Buying in France: Insights beyond the notaire’s scope

Are you planning to move to France and secure a mortgage, but feeling overwhelmed by the financial and legal aspects? Join us for an exclusive webinar, *Getting a Mortgage in France and Other Financial Considerations*, where our panel of experts will break down everything you need to know. Hosted by Ben Small, Founder of Ibanista, this insightful session will guide you through essential steps to smooth your relocation and financial planning in France.

You’ll hear from industry leaders, Fabien Pelissier, Julien Darras, and Thomas Nivert, as they share their expertise on visas, healthcare, tax considerations, and the current property market.

Whether you’re considering buying your dream home in France or simply want to be financially prepared for the move, this webinar will provide you with invaluable insights.

**What to Expect**:

**Part 1: The Essentials – What You Need to Know to Start Your Move**

We kick off with the foundational knowledge that every expat needs before making the move to France.

*   **Fabien** (Visas & Healthcare):
*   Top 3 things you need to know to secure a long-stay visa in France, including visa types, financial proof, and timelines.
*   Quick insights on navigating the French healthcare system, including the PUMA tax and how it ties into residency (with additional legal context from Julien).
*   **Julien** (Legal & Tax Considerations):
*   A simplified breakdown of taxes in France—covering property, income, and estate taxes. Whether you’re buying a home or planning your estate, knowing these basics is crucial for future financial stability.

**Part 2: Be Prepared – Financial and Legal Steps for a Smooth Transition**

Now that you know the basics, we’ll dive into the financial and legal actions you need to take to ensure a seamless transition to life in France.

*   **Thomas** (Financial Readiness):
*   How much money do you really need to move to France? Budgeting tips, including property down payments and what the current market conditions allow.
*   A quick guide on how to secure property financing, with a focus on today’s low-interest rates in Europe.
*   Leveraging those low-interest rates to get the best deal when buying a property in France.
*   **Julien** (Tax & Legal Planning):
*   Smart legal planning for the future—ways to structure your property ownership to minimize tax burdens and protect your estate.
*   Tips for managing French taxes as an expat, staying ahead of the filing season, and handling cross-border tax considerations.

**Part 3: The 2025 Outlook – What Might Change and How to Prepare for the Future**

As we look beyond 2024, this section will cover anticipated shifts in regulations, visa processes, and the financial market, helping you stay ahead of upcoming changes.

*   **Fabien** (Visa & Residency Evolution):
*   How the visa process may evolve in the coming years, especially post-election. Learn about potential changes that could affect new residents and long-stay visa applicants.
*   **Thomas** (Financial Market Shifts):
*   What can we expect from the financial markets in 2025? Key insights into how potential market changes may impact property buyers and investors in France.
*   **Julien** (Tax Law Changes & Estate Planning):
*   Possible shifts in French tax laws and estate planning rules in 2025. Learn what these changes could mean for property owners and how to prepare.

Moving to France is a life-changing decision that involves significant financial, legal, and logistical considerations. This webinar offers you a complete guide to tackling these challenges with confidence. By attending, you’ll get expert advice on mortgages, visas, taxes, and future trends—all key factors in making your move to France as smooth and successful as possible.

Don’t miss this opportunity to learn from our expert speakers, including Fabien, Julien, and Thomas, who will provide actionable tips and up-to-date information that will help you make informed decisions for your future in France. We look forward to seeing you there!


Getting a mortgage in France and other financial considerations

Understanding the French healthcare system can be one of the most confusing parts of relocating—Carte Vitale, mutuelles, private insurance, reimbursements… where do you even begin?

That’s why we’re hosting a **45-minute Live Q\&A** dedicated to healthcare in France. Whether you're planning your move or already living here, this session is your chance to ask your questions and get real-time expert answers.

**Join Ben Small and Fabien from Fab French Insurance** as they break down everything you need to know about accessing healthcare in France—clearly, simply, and with no fluff.

**Here’s what you can ask during the session:**

✅ How to apply for a **Carte Vitale** as an expat

✅ What is a **mutuelle** and do you really need one?

✅ What’s the difference between **public and private health insurance** in France?

✅ How much should you **budget for healthcare** each month?

✅ Do you need special coverage while waiting for your Carte Vitale?

✅ What’s the process for **registering with a doctor or specialist**?

✅ What type of insurance is best for **visa applications or retirees**?

This is a **live, interactive event**, so bring your questions and join the conversation. Whether you’re moving soon or already navigating the system, this Q\&A will give you the clarity and confidence you need.


Live Q&A on Healthcare in France ft Fabien from Fab French Insurance

Speakers

Ben Small

Host and Founder at Ibanista

Fabien Pelissier

MD @ Fab French Insurance

Replays

Live Q&A on Expat Life in France: Practical Tips on Costs, Cars & Admin

Live Q&A Long-Term Rentals in France