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Table of Contents
For regular Swiss salary conversion, I suggest using b-sharpe to turn incoming francs into euros and send them straight to your chosen bank account.
Wise suits a different routine, letting you receive foreign income, keep the currency and schedule bank payments from the balance.
Yuh combines foreign balances with a Swiss bank account, while Western Union and Swiss Bankers offer recipient options beyond an ordinary bank deposit.
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At a glance
Monthly CHF salary conversion: b-sharpe.
Foreign receiving balances and scheduled payments: Wise.
Swiss banking with several currency balances: Yuh.
Travel spending and payments to friends: Revolut.
Overseas sending inside your current account: neon.
Cash collection and mobile tracking: Western Union.
Larger transfers with account-manager support: Currencies Direct.
Find the best rate for transfers from Switzerland
Enter your amount and destination to compare current CHF transfer prices.
The best apps for sending money abroad
Choose the app around your funding account and the way your recipient receives the money, including any foreign balance you want to keep.
Automatic Swiss salary conversion
6.2
b-sharpe
Fees
Exchange Rate Markup
Transfer Speed
Foreign receiving balances and scheduled bank payments
9.2
Wise
Fees
0.1% - 2.6%
Exchange Rate Markup
0%
Transfer Speed
Minutes - 24 hours
"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."
Swiss bank account with retained foreign currencies
?
Yuh
Fees
Exchange Rate Markup
Transfer Speed
Travel spending and split payments
8.8
Revolut
Fees
0.3% - 1%
Exchange Rate Markup
0.1% - 0.6%
Transfer Speed
Minutes - 5 days
"Revolut has 70+ million customers globally. You can hold up to 25+ currencies in the app and send money quickly in 25+ currencies to 140+ countries."
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.
Overseas transfers inside your Swiss current account
?
neon
Fees
Exchange Rate Markup
Transfer Speed
Prepaid-card funding and recipient delivery choices
?
Swiss Bankers
Fees
Exchange Rate Markup
Transfer Speed
Cash collection with mobile tracking
8.1
Western Union
Fees
None
Exchange Rate Markup
0.2% - 1.5%
Transfer Speed
1 - 5 days
Larger bank payments with account-manager support
8.9
Currencies Direct
Fees
None
Exchange Rate Markup
0.2% - 2%
Transfer Speed
Minutes - 24 hours
"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."
b-sharpe
b-sharpe takes the repeated work out of salary conversion
Available on
iOS and Android
App store rating
5.0/5 (28 ratings)
Google play rating
4.4/5 (157 reviews)
b-sharpe gives you a Swiss IBAN in your name, allowing your employer to pay francs directly into your currency-conversion account.
The incoming salary converts and moves to your chosen bank account, which makes it a strong option for recurring CHF-to-EUR payments.
I'd say consider this setup for a monthly euro budget, rather than manually rebuilding the same transfer every payday.
For individual orders, you enter the amount and receiving account in the app, then fund the personal IBAN through your bank.
You can set a rate alert or fix the rate for 48 hours before sending the money.
That rate lock gives you time to fund the order, while conversion and onward payment normally take one or two working days after receipt.
There is no account subscription, with the exchange charge decreasing by amount and currency pair from a starting level of 0.12%.
Sender-bank and correspondent charges remain separate, and this account does not provide a spending card or a cash-pickup network.
I suggest considering Wise or Yuh instead when you want to retain foreign balances for later spending, rather than convert and forward the money.
b-sharpe is worth it
Find an alternative
Automate recurring Swiss salary conversion
You need cash or mobile-wallet delivery
Set an exchange-rate alert before funding
You want a card linked to retained foreign balances
Use a personal Swiss pay-in IBAN
You need to fund directly with a debit card
Wise
Wise combines foreign income with scheduled bank payments
Available on
iOS and Android
App store rating
4.7/5 (15k+ ratings)
Google play rating
4.7/5 (2m+ reviews)
Wise lets you keep incoming euros, pounds or dollars and arrange later payments from those balances through the app.
I'd say consider it when your income and overseas bills use the same currency, avoiding an unnecessary conversion through francs.
Its multi-currency account also lets you convert balances and spend through a debit card, with account details for supported receiving currencies.
You can save recipients, set rate alerts and schedule a balance-funded payment, rather than recreate a regular bank order each month.
For CHF funding, the available methods include local regular or instant bank transfer, accepted cards and a QR bill.
The Swiss collection account accepts francs, while a CHF SWIFT payment cannot fund that local transfer route.
The physical Wise card costs CHF 8, with ATM withdrawals above the CHF 230 monthly allowance charged at 2.69% of the excess.
Card-funded transfers have a CHF 3,500 limit, so your bank account is the more suitable funding route for larger payments.
Conversion uses the mid-market exchange rate with a separate variable fee, and the account has no compulsory monthly subscription.
Funding charges can differ between card and bank payments, with your bank also potentially charging for an instant payment.
I suggest comparing the normal sending cost across your recurring destinations, rather than select the app solely around a card-funded first payment.
The CHF 1,000 and CHF 6,000 examples show Wise’s receiving amounts alongside its fees, rate and delivery estimate.
Yuh keeps foreign currencies inside a Swiss bank account
Available on
iOS and Android
App store rating
4.7/5 (22k+ ratings)
Google play rating
4.3/5 (13k+ reviews)
Yuh offers 13 currency balances under a Swiss IBAN, with banking provided by Swissquote and a debit card managed through the app.
In my opinion, you should consider it for euro bills and foreign-currency spending alongside your ordinary Swiss account, rather than for family remittances outside its receiving network.
You can receive supported currencies into the account, retain the balance and spend it with the card without converting everything back into francs.
The app combines bank payments with savings projects, card controls and investing, although investment charges are separate from sending costs.
International bank payments go to supported SEPA-area countries, so holding dollars does not make Yuh a route to a US bank.
Euro SEPA transfers have no sending fee, while other supported foreign-currency transfers carry a CHF 4 charge.
Converting francs costs 0.95%, which means a free euro payment still has a cost when you need to buy euros first.
Account management and the debit card have no recurring charge, while overseas ATM withdrawals cost CHF 4.90 each.
I'd say compare Wise or b-sharpe for frequent conversions, then keep Yuh when its Swiss banking and retained balances fit your wider use.
Yuh is worth it
Find an alternative
Keep several currencies with a Swiss bank account
The receiving bank is outside its supported area
Pay a euro bill from an existing euro balance
You mainly need repeated CHF currency conversion
Combine card controls and bank payments
You need cash or mobile-wallet payouts
Revolut
Revolut brings travel spending and payments to friends together
Available on
iOS and Android
App store rating
4.8/5 (78k+ ratings)
Google play rating
4.6/5 (4.1m+ reviews)
Revolut lets you hold supported currencies, manage physical and virtual cards, split expenses and send money to another Revolut user through the app.
I suggest considering it when travel spending and shared costs are part of your routine, rather than opening another account purely for a single overseas payment.
Foreign balances can receive supported payments and fund later card spending, without forcing an immediate conversion back into Swiss francs.
The app also saves external bank recipients, shows transfer progress and lets you manage your exchange allowance alongside the card account.
Swiss account details use PostFinance infrastructure, but that does not make your Revolut balance a PostFinance bank account.
You can fund using the bank details or supported card method shown for your account, with card-related charges checked before confirmation.
Standard has no monthly subscription and includes CHF 1,250 of exchange per rolling month, followed by a 1% fee on the excess.
Weekend exchange adds a separate 1% charge on Standard, while higher paid plans change those allowances and weekend costs.
Euro SEPA payments have no sending fee, but non-SEPA charges and possible intermediary deductions depend on the destination.
In my opinion, you should compare the paid plan’s full subscription against your usual monthly conversions, rather than upgrade simply because one payment exceeds the allowance.
These Revolut examples show how the receiving amount and transfer charge change across the selected CHF payments.
Your Standard exchanges regularly exceed the allowance
Keep currencies for later spending
You want a Swiss bank account at PostFinance
neon
neon adds overseas sending to your Swiss current account
Available on
iOS and Android
App store rating
4.5/5 (7.8k+ ratings)
Google play rating
4.4/5 (11k+ reviews)
If you already use neon, you can send an international bank payment through its integrated Wise service without opening a separate Wise account.
You enter the overseas recipient inside neon and fund the payment from your Swiss account, keeping the order beside your ordinary banking.
I'd say consider that convenience for occasional transfers, especially when QR bills, eBill and everyday spending already run through the same app.
The account is held at Hypothekarbank Lenzburg, with budgeting Spaces and card controls alongside its local Swiss IBAN.
Your balance remains a Swiss franc current account, so the integrated transfer service does not add Wise’s foreign receiving details or multi-currency balances.
The transfer cost combines Wise’s exchange fee with neon’s convenience charge, making a direct Wise quote worth checking for repeated payments.
The free plan has no monthly charge, while plus costs CHF 2, global CHF 8 and metal CHF 15 per month.
Global and metal include 20% and 40% cashback on international transfer fees respectively, which I suggest weighing against the subscription cost.
The first card costs CHF 20 on free and plus, while global and metal include it within their plan price.
To open neon, you need Swiss residence and exclusive Swiss tax liability, plus an accepted Swiss identity document or B or C residence permit.
I suggest keeping this as a banking-led option, rather than switch accounts solely to make an occasional overseas transfer.
neon is worth it
Find an alternative
Send abroad from the Swiss account you already use
You need foreign receiving balances
Keep QR bills, eBill and recipients together
You do not meet its Swiss residence conditions
Manage local budgeting and card controls
You send often enough that an added convenience fee adds up
Swiss Bankers
Swiss Bankers sends money from a prepaid-card balance
Available on
iOS and Android
App store rating
4.6/5 (7.9k+ ratings)
Google play rating
4.4/5 (9.1k+ reviews)
Swiss Bankers lets you send money through its app from a loaded Swiss Bankers prepaid card, with delivery selected around your recipient.
Available routes include another Swiss Bankers card, supported Mastercard or UnionPay cards, bank accounts, digital wallets and cash pickup.
I'd say consider it when you already keep money on the card and its receiving method fits the person you are paying.
The app also manages card security and spending notifications, so you can follow the transfer beside the balance used to fund it.
Send charges CHF 2 for Mastercard delivery, CHF 3 for bank, wallet or cash delivery, and CHF 5 for UnionPay.
Transfers to a Swiss Mastercard are free, although the main reason to use this page is an overseas payment.
Loading the card adds another cost decision, with bank loading free but normally taking up to two working days.
Quick loading through a PostFinance card costs CHF 6, while an accepted debit or credit card adds a 1.5% loading fee.
Exchange-rate costs and any charge attached to your underlying card remain part of the total, including the Life Digital account’s CHF 2.90 monthly charge.
I would avoid loading a card solely for one transfer before checking a direct bank-funded quote and the recipient’s required payout.
Swiss Bankers is worth it
Find an alternative
Send from a Swiss Bankers balance you already hold
You would need an expensive quick card load
Choose a supported card, wallet or cash recipient
Your recipient’s card or wallet is not supported
Manage prepaid security and transfer activity together
You want a full foreign-currency receiving account
Western Union
Western Union keeps cash collection easy to follow on your phone
Available on
iOS and Android
App store rating
4.7/5 (8k+ ratings)
Google play rating
4.5/5 (10k+ reviews)
Western Union lets you save family recipients, find an agent and follow a payment through the app until collection.
I suggest choosing it when the recipient needs an accessible cash outlet, rather than only a deposit into a bank account.
The Swiss app also offers supported bank, mobile-wallet and card delivery, with the destination determining the available receiving methods.
You can fund using an accepted debit or credit card, Google Pay or the app-to-agent cash route.
Fingerprint login, card scanning and saved contacts reduce repeated entry, while the transfer number helps the recipient collect and you track the order.
The separate Western Union@SBB app provides a Swiss ticket-machine funding route, which is useful when your money starts as cash.
Sending fees and exchange-rate margins vary by funding and receiving method, and there is no required monthly app subscription.
Your card issuer can add its own charge, so I'd say compare funding costs alongside the final receiving amount before paying.
For a recurring family payment, the recipient’s actual collection location is a better reason to choose Western Union than its network size alone.
The online Western Union examples compare recipient amounts and fees across CHF payments, separate from an agent’s counter quote.
You need foreign income accounts or a spending card
Use mobile ordering with agent cash funding
Your chosen pickup outlet is inconvenient
Currencies Direct
Currencies Direct puts broker support beside mobile bank orders
Available on
iOS and Android
App store rating
4.3/5 (22 ratings)
Google play rating
Not displayed
Currencies Direct lets you quote an exchange, save a bank recipient and follow an international payment through its mobile app.
I suggest considering it for a larger planned bank payment when an account manager can help with the amount, timing and funding instructions.
Rate alerts let you monitor a currency before committing, while the app keeps previous payments and recipient details together for repeat orders.
You fund the transfer through the instructed bank account, making it different from an app built around card-funded cash collection.
The exchange-rate margin covers its service rather than a separate transfer fee, and there is no compulsory monthly app subscription.
Your sending bank or an intermediary can still charge, particularly when the funding or receiving payment uses an international wire.
In my opinion, you should compare the actual large-transfer quote against b-sharpe or Wise, then choose the support and receiving amount that fit the payment.
Its transfer wallet is not a replacement for an everyday Swiss bank account or a card account for holiday spending.
The Currencies Direct table shows CHF1,000 and CHF6,000 payments, with the exchange-rate difference and amount received at each size.
Your recipient needs cash or mobile-wallet delivery
Set an alert before committing to an exchange
You need to fund from a debit card
Save recipients and review previous orders
You mainly want a travel card and everyday banking
Cheapest apps for sending from Switzerland
For a modest weekday exchange within the Standard allowance, Revolut can be attractive, while its extra conversion charges change the cost above that level.
Wise charges per conversion without a banking subscription, and b-sharpe’s salary flow deserves a separate quote for recurring euro payments.
Salary conversion and scheduled payments serve different routines
b-sharpe’s salary service can convert incoming francs and forward them automatically, removing a recurring manual order from your payday routine.
Wise can schedule a later payment from a funded balance, while neon keeps an occasional foreign payment inside your Swiss current account.
I'd say choose around the task you repeat, rather than treat every saved-recipient feature as the same monthly automation.
For an employer-funded salary conversion, use the approved personal IBAN and receiving setup rather than assume any collecting account accepts third-party deposits.
A Swiss IBAN does not always mean a Swiss bank account
Yuh’s bank account is provided by Swissquote, while neon’s account is held at Hypothekarbank Lenzburg.
Revolut’s Swiss payment details use PostFinance infrastructure, but your contract and protection follow the Revolut entity serving your account.
Wise’s local CHF funding account collects a transfer, which is different from getting personal Swiss bank details for your salary.
TWINT handles Swiss domestic payments, including use while travelling, but it does not provide an ordinary international bank-transfer service.
Switzerland participates in SEPA, allowing euro payments to eligible European bank accounts, while Swiss francs still require a separate conversion decision.
Yuh can send euros without a transfer fee, but converting new francs still carries its 0.95% exchange charge.
I'd say keep your domestic wallet for local payments and choose the overseas app around the currency and recipient method.
How to send money abroad through an app
Choose the receiving method
Enter the bank, card, wallet or collection details required for the destination, then confirm that your recipient can use that route.
Set up your funding account
Complete the app’s identification checks, then use its current Swiss bank instructions or accepted card method for the transfer.
Check the full CHF cost
Review the amount received beside exchange and sending fees, including any plan allowance, card-loading charge or bank payment cost.
Keep the confirmation
Save the receipt and tracking reference, then follow the order in the app or share the required collection details with your recipient.
Use the comparison form for your destination and amount, then choose the app’s funding and receiving methods around your payment.
Compare transfers from Switzerland
Enter your destination and amount to compare available CHF transfer fees, exchange rates and recipient amounts.
Our methodology & why trust us
I selected Swiss-eligible apps around salary conversion, foreign balances, local bank funding and recipient access, alongside the mobile payment functions.
Our research checked current Swiss app listings, regulated services, local fees and live CHF-origin transfer results.
I assessed signup, recipient management and tracking alongside subscription costs, exchange charges and the limitations of each receiving route.
We may earn commission from some companies, but commercial agreements do not determine my selection or opinions.
Our review process explains how we assess transfer companies and their services.
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