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Send money from Switzerland to Europe(CHF → EUR)
CHF
EUR|Updated recentlyMid-market 1.0920Cheapest todayof 9 providers
Wise
Rate 1.0921 · Fee CHF3.50
You send
CHF1,000
Recipient gets
€1,088
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Switzerland to Europe in May 2026 is Wise, which delivers 1,088.31 EUR on a 1,000 CHF transfer with a fee of CHF3.50. According to SendMoneyCompare's comparison of 9 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 2 EUR.
Last reviewed: by Awais Imran, Reviews Editor
↗
Rates are good right now
56th percentile
Based on 56 days of data (2026-03-17 to 2026-05-20)
Today's best
€108.01
Postfinance
56-day avg
1 CHF = 1.08 EUR
Best rate
1.09
2026-03-18 · Zkb
Worst rate
1.07
2026-04-13 · Postfinance
What is the cheapest way to send CHF to EUR?
Sending CHF1,000 from Switzerland to Europe. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 1.0921·Fee CHF3.50
↓ 1.0% over 56dAvg: 1.09 EUR (+0.3% vs avg)Range: 1.08–1.10
1
1.0921
CHF3.50
€1,088.31
Rate 1.0801·Fee Free·1.09% markup
Best rate 36 of 56 days
↓ 0.8% over 55dAvg: 1.08 EUR (+0.5% vs avg)Range: 1.07–1.09
2
1-3 business days1.09% markup
Best rate 36 of 56 days
↓ 0.8% over 55dAvg: 1.08 EUR (+0.5% vs avg)Range: 1.07–1.09
1.0801
Free
€1,080.12
Rate 1.0788·Fee Free·1.21% markup
↓ 0.9% over 55dAvg: 1.07 EUR (+0.4% vs avg)Range: 1.07–1.09
3
1-3 business days1.21% markup
↓ 0.9% over 55dAvg: 1.07 EUR (+0.4% vs avg)Range: 1.07–1.09
1.0788
Free
€1,078.81
Rate 1.0679·Fee Free·2.21% markup
↓ 0.9% over 55dAvg: 1.06 EUR (+0.4% vs avg)Range: 1.05–1.08
4
Minutes to 5 days2.21% markup
↓ 0.9% over 55dAvg: 1.06 EUR (+0.4% vs avg)Range: 1.05–1.08
1.0679
Free
€1,067.89
Rate 1.0724·Fee CHF5.00·1.80% markup
↓ 1.1% over 55dAvg: 1.07 EUR (+0.3% vs avg)Range: 1.06–1.09
5
1-3 business days1.80% markup
↓ 1.1% over 55dAvg: 1.07 EUR (+0.3% vs avg)Range: 1.06–1.09
1.0724
CHF5.00
€1,067.00
Rate 1.0735·Fee CHF25.00·1.70% markup
Rate up 0.8%
↑ 0.8% over 41dAvg: 1.07 EUR (+0.3% vs avg)Range: 1.06–1.07
6
1-3 business days1.70% markup
Rate up 0.8%
↑ 0.8% over 41dAvg: 1.07 EUR (+0.3% vs avg)Range: 1.06–1.07
1.0735
CHF25.00
€1,046.62
Rate 1.0462·Fee CHF2.49·4.20% markup
↓ 1.1% over 55dAvg: 1.04 EUR (+0.4% vs avg)Range: 1.03–1.06
7
1.0462
CHF2.49
€1,043.55
Rate 1.0538·Fee CHF15.00·3.50% markup
Rate 1.0866·Fee Free·0.50% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient €1.75 on a CHF1,000 transfer.
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
Compare the cheapest ways to send money from Switzerland to Europe. We compare fees, exchange rates, and transfer speeds from 15+ providers so you get the most EUR for your CHF.
Swiss expats and immigrants regularly send money to Europe. The cost difference between providers can be significant — banks typically charge 3–5% in hidden exchange rate markups, while specialist services like Wise, Remitly, and WorldRemit offer rates much closer to the mid-market rate. Our comparison shows the total EUR received from each provider after all fees and markups.
Which provider offers the best CHF to EUR rate?
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the Switzerland to Europe route.
Cheapest transfer
Wise
Delivers the most EUR for your money
Fastest transfer
Western Union
Delivers in Minutes to 5 days
Cash pickup
Western Union
Widest cash pickup network
Bank transfer
Wise
Best rate for bank deposit to Europe
How to send money to Europe
Sending money to Europe is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much CHF you want to send, compare providers above, and pick the one offering the best EUR amount for your transfer to Europe.
Step 2
Add your recipient
Enter your recipient's details in Europe — you'll need their iban. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — sepa transfer typically takes hours to 1 day.
What you need to send money to Europe
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's name as registered on their European bank account
IBAN
IBAN (International Bank Account Number) — length varies by country (e.g. DE: 22 chars, FR: 27 chars, ES: 24 chars)
Example: DE89370400440532013000
BIC/SWIFT code
Optional8 or 11-character bank identifier code (optional for SEPA transfers within EU, required for SWIFT)
Example: COBADEFFXXX
Note: All Eurozone countries use IBAN for bank transfers. For SEPA transfers (the fastest and cheapest option), only the IBAN is required — the BIC/SWIFT code is optional. Each EU country has a different IBAN length and format.
Transfer examples: CHF to EUR
See how much your recipient would get for common transfer amounts.
Send CHF500
ProviderFeeReceives
Wise
1.09 · 1 hour
PostFinance
1.08 · 1-3 business days
Zürcher Kantonalbank
1.08 · 1-3 business days
Western Union
1.07 · Minutes to 5 days
Raiffeisen Schweiz
1.07 · 1-3 business days
PayPal
1.05 · Instant to 3 days
ProviderFeeRateReceivesSpeed
WiseCHF1.441.09€5441 hour
PostFinanceFree1.08€5401-3 business days
Zürcher KantonalbankFree1.08€5391-3 business days
Western UnionFree1.07€534Minutes to 5 days
Raiffeisen SchweizCHF5.001.07€5311-3 business days
PayPalCHF2.491.05€520Instant to 3 days
Send CHF1,000
ProviderFeeReceives
Wise
1.09 · 1 hour
PostFinance
1.08 · 1-3 business days
Zürcher Kantonalbank
1.08 · 1-3 business days
Western Union
1.07 · Minutes to 5 days
Raiffeisen Schweiz
1.07 · 1-3 business days
Migros
1.07 · 1-3 business days
ProviderFeeRateReceivesSpeed
WiseCHF3.501.09€1,0881 hour
PostFinanceFree1.08€1,0801-3 business days
Zürcher KantonalbankFree1.08€1,0791-3 business days
Western UnionFree1.07€1,068Minutes to 5 days
Raiffeisen SchweizCHF5.001.07€1,0671-3 business days
MigrosCHF25.001.07€1,0471-3 business days
Send CHF5,000
ProviderFeeReceives
Wise
1.09 · 1 hour
PostFinance
1.08 · 1-3 business days
Zürcher Kantonalbank
1.08 · 1-3 business days
Western Union
1.07 · Minutes to 5 days
Raiffeisen Schweiz
1.07 · 1-3 business days
Migros
1.07 · 1-3 business days
ProviderFeeRateReceivesSpeed
WiseCHF17.501.09€5,4421 hour
PostFinanceFree1.08€5,4011-3 business days
Zürcher KantonalbankFree1.08€5,3941-3 business days
Western UnionFree1.07€5,339Minutes to 5 days
Raiffeisen SchweizCHF25.001.07€5,3351-3 business days
MigrosCHF125.001.07€5,2331-3 business days
How much does it cost to send money from Switzerland to Europe?
Transfer fees from Switzerland to Europe vary by provider. Specialist services charge CHF0–10 per transfer, while banks charge CHF25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total EUR your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically CHF0–CHF10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (1.0920).
Ways to send money to Europe
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
SEPA is the gold standard for EUR transfers — it's faster and cheaper than SWIFT. If your provider offers SEPA routing, always choose it over SWIFT for European bank deposits.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
How can my recipient receive money in Europe?
Your recipient in Europe can receive money through these delivery methods. The best option depends on their location and preferences.
SEPA Transfer
Hours to 1 day
Single Euro Payments Area transfer — the standard for EUR payments across 36 European countries. Fast, cheap, and reliable.
WiseRevolutRemitlyWorldRemit+2 more
SEPA Instant
Seconds
Real-time euro transfer available at participating banks. Delivers in under 10 seconds, 24/7.
WiseRevolut
SWIFT Transfer
1–3 business days
Traditional international wire transfer. More expensive and slower than SEPA but available for any bank globally.
OFXXEWestern Union
Cash Pickup
Minutes
Collect cash at agent locations across Europe.
Western UnionMoneyGram
What are the transfer limits and regulations for Europe?
Important rules and requirements to know before sending money to Europe.
Regulatory body
European Central Bank (ECB) / National regulators (BaFin, AMF, etc.)
Inbound transfer limits
No general restriction on receiving transfers within the EU/EEA
Documentation you may need
- Sender's government-issued ID
- Proof of address for large transfers
Important things to know
- SEPA transfers are capped at €999,999,999.99 per transaction — effectively unlimited for personal transfers.
- SEPA Instant is available at most major European banks but not all — check with the recipient's bank.
- Post-Brexit, GBP→EUR transfers from the UK may no longer route via SEPA at some banks, resulting in higher fees.
- EU anti-money-laundering regulations require enhanced due diligence for transfers over €10,000.
How long does it take to send money to Europe?
Most transfers from Switzerland to Europe arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Europe for a small premium.
FastExpress delivery
- Western UnionMinutes to 5 days
- PayPalInstant to 3 days
Standard delivery
- Wise1 hour
- PostFinance1-3 business days
- Zürcher Kantonalbank1-3 business days
- Raiffeisen Schweiz1-3 business days
- Migros1-3 business days
Popular banks in Europe
These are the most commonly used banks for receiving international transfers in Europe.
BankSWIFT/BICNotes
Deutsche Bank (Germany)
DEUTDEFFXXX
BNP Paribas (France)
BNPAFRPPXXX
ING (Netherlands)
INGBNL2AXXX
Santander (Spain)
BSCHESMMXXX
UniCredit (Italy)
UNCRITMM
N26 (Germany)
—
CHF to EUR Exchange Rate History
Daily best exchange rates from top providers over the last 56 days. Rates shown are for sending $100.
| Date | Wise | __mid Market__ | Zkb | Raiffeisen Ch | Western Union |
|---|---|---|---|---|---|
| Trend | |||||
| May 20 | 1.0921✓ | 1.0724 | 1.0788 | 1.0724 | 1.0679 |
| May 19 | 1.0937✓ | 1.0747 | 1.0808 | 1.0750 | 1.0682 |
| May 18 | 1.0937✓ | 1.0682 | 1.0804 | 1.0749 | 1.0682 |
| May 17 | 1.0931✓ | 1.0676 | 1.0799 | 1.0743 | 1.0676 |
| May 16 | 1.0931✓ | 1.0465 | 1.0799 | 1.0743 | 1.0676 |
| May 15 | 1.0931✓ | 1.0456 | 1.0795 | 1.0737 | 1.0680 |
| May 14 | 1.0933✓ | 1.0799 | 1.0799 | 1.0737 | 1.0680 |
| May 13 | 1.0916✓ | 1.0665 | 1.0786 | 1.0722 | 1.0665 |
| May 12 | 1.0906✓ | 1.0783 | 1.0769 | 1.0719 | 1.0656 |
| May 11 | 1.0918✓ | 1.0732 | 1.0785 | 1.0732 | 1.0669 |
| May 10 | 1.0928✓ | 1.0459 | 1.0794 | 1.0742 | 1.0678 |
| May 9 | 1.0928✓ | 1.0459 | 1.0794 | 1.0742 | 1.0678 |
| May 8 | 1.0924✓ | 1.0463 | 1.0787 | 1.0736 | 1.0666 |
| May 7 | 1.0925✓ | 1.0733 | 1.0799 | 1.0741 | 1.0671 |
| May 6 | 1.0916✓ | 1.0728 | 1.0786 | 1.0732 | 1.0662 |
| May 5 | 1.0911✓ | 1.0779 | 1.0779 | 1.0721 | 1.0662 |
| May 4 | 1.0917✓ | 1.0917✓ | — | — | — |
| May 3 | 1.0911✓ | 1.0778 | 1.0778 | 1.0720 | 1.0661 |
| May 2 | 1.0911✓ | 1.0778 | 1.0778 | 1.0720 | 1.0661 |
| May 1 | 1.0908✓ | 1.0663 | 1.0774 | 1.0720 | 1.0663 |
| Apr 30 | 1.0828✓ | 1.0643 | 1.0695 | 1.0644 | 1.0588 |
| Apr 29 | 1.0824✓ | 1.0637 | 1.0687 | 1.0637 | 1.0581 |
| Apr 28 | 1.0855✓ | 1.0668 | 1.0720 | 1.0660 | 1.0609 |
| Apr 27 | 1.0865✓ | 1.0687 | 1.0732 | 1.0671 | 1.0619 |
| Apr 26 | 1.0870✓ | 1.0684 | 1.0737 | 1.0677 | 1.0625 |
| Apr 25 | 1.0870✓ | 1.0411 | 1.0737 | 1.0677 | 1.0625 |
| Apr 24 | 1.0883✓ | 1.0696 | 1.0743 | 1.0696 | 1.0631 |
| Apr 23 | 1.0885✓ | 1.0708 | 1.0752 | 1.0700 | 1.0635 |
| Apr 22 | 1.0909✓ | 1.0721 | 1.0770 | 1.0721 | 1.0656 |
| Apr 21 | 1.0902✓ | 1.0763 | 1.0763 | 1.0710 | 1.0685 |
| Apr 20 | 1.0870✓ | 1.0737 | 1.0737 | 1.0682 | 1.0657 |
| Apr 19 | 1.0874✓ | 1.0686 | 1.0741 | 1.0686 | 1.0661 |
| Apr 18 | 1.0874✓ | 1.0743 | 1.0741 | 1.0686 | 1.0661 |
| Apr 17 | 1.0840✓ | 1.0709 | 1.0701 | 1.0657 | 1.0584 |
| Apr 16 | 1.0844✓ | 1.0589 | 1.0708 | 1.0661 | 1.0589 |
| Apr 15 | 1.0857✓ | 1.0675 | 1.0727 | 1.0675 | 1.0602 |
| Apr 14 | 1.0851✓ | 1.0667 | 1.0719 | 1.0652 | 1.0603 |
| Apr 13 | 1.0801✓ | 1.0598 | 1.0664 | 1.0598 | 1.0549 |
| Apr 12 | 1.0806✓ | 1.0621 | 1.0671 | 1.0605 | 1.0556 |
| Apr 11 | 1.0806✓ | 1.0671 | 1.0671 | 1.0605 | 1.0556 |
| Apr 10 | 1.0814✓ | 1.0673 | 1.0673 | 1.0627 | 1.0572 |
| Apr 9 | 1.0836✓ | 1.0700 | 1.0700 | 1.0648 | 1.0593 |
| Apr 8 | 1.0831✓ | 1.0363 | 1.0696 | 1.0643 | 1.0589 |
| Apr 7 | 1.0850✓ | 1.0655 | 1.0713 | 1.0655 | 1.0599 |
| Apr 6 | 1.0857✓ | 1.0722 | 1.0717 | 1.0659 | 1.0602 |
| Apr 5 | 1.0853✓ | 1.0602 | 1.0719 | 1.0659 | 1.0602 |
| Apr 4 | 1.0853✓ | 1.0719 | 1.0719 | 1.0659 | 1.0602 |
| Apr 3 | 1.0844✓ | 1.0389 | 1.0708 | 1.0648 | 1.0592 |
| Apr 2 | 1.0849✓ | 1.0352 | 1.0715 | 1.0659 | 1.0600 |
| Apr 1 | 1.0866✓ | 1.0676 | 1.0736 | 1.0676 | 1.0618 |
| Mar 31 | 1.0817✓ | 1.0679 | 1.0691 | 1.0634 | 1.0576 |
| Mar 30 | 1.0910✓ | 1.0720 | 1.0773 | 1.0720 | 1.0654 |
| Mar 29 | 1.0880✓ | 1.0690 | 1.0733 | 1.0690 | 1.0624 |
| Mar 28 | 1.0877✓ | 1.0462 | 1.0725 | 1.0681 | 1.0617 |
| Mar 18 | 1.1038✓ | 1.1038✓ | 1.0904 | 1.0856 | 1.0786 |
| Mar 17 | 1.1030✓ | 1.1030✓ | 1.0891 | 1.0843 | 1.0779 |
Common questions about sending money from Switzerland to Europe
What is the cheapest way to send money from Switzerland to Europe?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from Switzerland to Europe?
Most specialist providers deliver to Europe within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send CHF1,000 from Switzerland to Europe?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much EUR your recipient would receive from a CHF1,000 transfer today.
Can I send money from Switzerland to Europe online?
Yes, all the providers we compare support online transfers from Switzerland to Europe. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Europe?
Money transfer services are almost always cheaper. Banks typically charge CHF25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge CHF0–10 with markups under 1%, saving you significantly on every transfer to Europe.
Everything about sending money to Europe
Recipient requirements, delivery methods, regulations, popular banks, and more.
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