The Best Money Transfer Services in Switzerland in 2026

Best companies for sending money abroad from Switzerland

My picks cover different transfer needs, from converting a Swiss salary to arranging cash collection or paying for a property overseas.

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

0%

Transfer Speed

Minutes - 24 hours

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"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."

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Visit

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

Visit

"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.

Wise

Wise keeps everyday international bank transfers clear on cost and delivery amount.

It uses the mid-market exchange rate and shows its fee separately, so you can see what the transfer costs before sending.

Swiss customers can fund CHF transfers through a bank transfer, card or QR bill, although the available payment method affects the overall cost and timing.

For a routine payment to an overseas bank account, I would choose Wise if you want clear upfront pricing and are comfortable arranging the transfer online.

Funding deserves particular attention if you need the money quickly, because a standard Swiss bank transfer can take one to three working days just to reach Wise.

Its CHF guide gives a shorter funding estimate for instant bank transfers, but onward conversion and delivery still depend on the destination.

Compare the recipient amounts below to see how Wise’s pricing changes across currencies and transfer sizes.

b-sharpe

b-sharpe offers personal support for large, planned currency transfers.

Its property service covers situations such as paying a deposit or arranging staged payments, with support for transfers to a solicitor or seller.

For a property purchase, you can discuss the completion deadline alongside the amount your solicitor or seller needs to receive.

The service offers rate-locking options, including forward exchange for eligible arrangements, so ask about the commitment and funding deadline before agreeing to a rate.

A fixed rate gives you certainty over the agreed conversion, although you will miss out if the market subsequently moves in your favour.

Confirm the intended recipient with b-sharpe before funding a payment, because its ordinary exchange service has account-ownership restrictions and specific exceptions.

For a large transfer, request the final recipient amount and compare it against an online quote for the same CHF budget.

Telexoo

Telexoo publishes its pricing for regular CHF to EUR conversions.

Its setup suits someone moving part of a Swiss salary into their own euro account, including people managing expenses on both sides of the border.

You register the relevant bank accounts, transfer money to Telexoo and receive the converted funds in the registered destination account.

Check ownership requirements before treating it as a general service for paying someone else, because its personal guidance describes euro payouts to an account in your name.

Telexoo publishes exchange margins by amount, with lower percentage margins for larger conversions and separate terms for transfers outside its standard CHF and SEPA payments.

That makes the amount you exchange each time relevant, especially if you are comparing several small payments against one larger monthly conversion.

Bank funding is required, so it will suit you better when the money already sits in an account rather than as cash.

Western Union

Western Union works well for cash collection and in-person transfer support.

Swiss Post offers Western Union transfers at participating branches, where you provide identification, pay for the transfer and receive a tracking number.

Your recipient can then collect the money through the relevant Western Union network, subject to the destination’s identification requirements and collection arrangements.

This gives it a practical role when a bank deposit would leave the recipient still needing to find a way to withdraw cash.

Check the nearest collection point before sending, including opening hours and the currency available, rather than relying on country coverage alone.

Compare the online and branch quotes separately, because a price for one sending channel should not be assumed to apply to another.

Revolut

Revolut makes transfers simple when both people already hold the same currency.

Its Swiss transfer service supports payments between Revolut users without a transfer fee, avoiding the need to send through an external recipient bank.

Currency conversion can still cost money, so a fee-free transfer should not be confused with exchanging Swiss francs for free.

For Standard customers, Revolut currently applies a 1% fair-usage fee above CHF 1,250 of exchanges per rolling month, alongside a 1% weekend exchange fee.

Paid plans have different terms, which makes your existing plan and remaining allowance relevant to the final cost.

Revolut also supports overseas bank transfers, so compare those quotes separately when your recipient does not already use the service.

The table below covers external transfers, where the recipient amount provides a more useful comparison than the internal transfer fee alone.

Swiss Bankers Send

Swiss Bankers Send lets existing cardholders send abroad from their prepaid balance.

The service is available to Swiss residents and supports eligible Mastercard payouts, alongside bank accounts, selected mobile wallets and cash collection options.

For a supported Mastercard payment, the recipient’s card details can replace the bank-account information required for a conventional overseas bank transfer.

Swiss Bankers lists a CHF 2 transfer fee for sending to a Mastercard, but conversion and any cost of funding your Swiss Bankers card also matter.

Check the full amount debited before sending, especially if you need to load the card first rather than using an existing balance.

Availability depends on the destination and receiving method, which you can check in the Send section of the Swiss Bankers app.

What to consider when sending money from Switzerland

Compare the full CHF cost

Use the same amount, destination and receiving method for every quote, then compare how much your recipient actually gets after conversion and fees.

For example, a CHF 1,000 transfer to France should be compared with another CHF 1,000 transfer to France, including any fee paid on top.

A company advertising no transfer fee may still offer a less favourable exchange rate, while a bank or card issuer can add funding charges.

For SWIFT payments, also ask whether intermediary or receiving-bank charges could reduce the amount that arrives.

Separate euro payments from currency conversion

Switzerland participates in SEPA, which can make a euro bank transfer straightforward even though Switzerland does not use the euro as its domestic currency.

However, starting with Swiss francs adds an exchange step, and a low SEPA payment fee tells you little about the price of that conversion.

Compare your bank’s final euro quote with an exchange service before deciding whether the convenience of paying directly from your account is worth the difference.

PostFinance’s pricing documents distinguish payment services from currency conversion at its own exchange rate, illustrating why both parts deserve attention.

Check whose account can receive the money

Moving francs into your own overseas account can have different requirements from sending money to a relative, landlord or property solicitor.

Some Swiss exchange specialists restrict payments to registered accounts, so confirm they can pay your intended recipient before sending any money.

For cash collection or a mobile wallet, confirm the exact destination network and recipient details before paying for the transfer.

TWINT remains useful for payments between its users, but it does not replace a service that converts francs and pays into an overseas bank account.

Cheapest money transfer services in Switzerland

The cheapest company depends on the destination, amount and payment method, so compare the available quotes before deciding which service to use.

Our comparison below uses different amounts for different destinations, with pricing data refreshed weekly.

Look at the recipient amount alongside any funding charges, and check the final quote with the provider before confirming your payment.

Amount

AmountCHF 1,000CHF 5,000Custom

Last updated at 26.09.2026

CHF USD

Mid Market Rate CHF 1 = $ 1.2067CHF 1 = $ 1.2064

Transfer Amount CHF 1'000CHF 5'000

1

Revolut

2

Wise

3

Currencies Direct

4

Xe

1

Regency FX

2

Wise

3

TorFx

4

Xe

Receive amount

Transfer fee

FX rate

Markup

$ 1'203.76

CHF 1.60

1.2057

0.08%

Visit

$ 1'201.47

CHF 4.40

1.2068

-0.01%

Visit

$ 1'200.90

CHF 0.00

1.2009

0.48%

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$ 1'200.80

CHF 0.00

1.2008

0.49%

Visit

$ 6'015.55

CHF 0.00

1.2031

0.27%

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$ 6'014.63

CHF 14.77

1.2065

-0.01%

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$ 6'013.74

CHF 0.00

1.2027

0.30%

Visit

$ 6'009.00

CHF 0.00

1.2018

0.38%

Visit

CHF GBP

Mid Market Rate CHF 1 = £ 0.9126CHF 1 = £ 0.9126

Transfer Amount CHF 1'000CHF 5'000

1

Revolut

2

Wise

3

Xe

4

Currencies Direct

1

Regency FX

2

Wise

3

TorFx

4

Xe

Receive amount

Transfer fee

FX rate

Markup

£ 910.41

CHF 1.50

0.9118

0.08%

Visit

£ 909.00

CHF 3.92

0.9126

0.00%

Visit

£ 907.90

CHF 0.00

0.9079

0.51%

Visit

£ 907.50

CHF 0.00

0.9075

0.56%

Visit

£ 4'550.62

CHF 0.00

0.9101

0.27%

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£ 4'549.95

CHF 14.69

0.9127

-0.01%

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£ 4'549.25

CHF 0.00

0.9098

0.30%

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£ 4'543.50

CHF 0.00

0.9087

0.43%

Visit

CHF EUR

Mid Market Rate CHF 1 = €1.0605CHF 1 = €1.0603

Transfer Amount CHF 1'000CHF 5'000

1

Revolut

2

Wise

3

Xe

4

Currencies Direct

1

Wise

2

Regency FX

3

TorFx

4

Xe

Receive amount

Transfer fee

FX rate

Markup

€1,059.58

CHF 0.00

1.0596

0.09%

Visit

€1,056.68

CHF 3.50

1.0604

0.01%

Visit

€1,055.10

CHF 0.00

1.0551

0.51%

Visit

€1,054.80

CHF 0.00

1.0548

0.54%

Visit

€5,288.21

CHF 12.68

1.0603

0.00%

Visit

€5,287.13

CHF 0.00

1.0574

0.27%

Visit

€5,285.54

CHF 0.00

1.0571

0.30%

Visit

€5,280.50

CHF 0.00

1.0561

0.40%

Visit

For b-sharpe and Telexoo, request a quote directly before making a larger CHF-to-EUR conversion, as their prices are not included in the table.

Our guide to the cheapest ways to send money abroad from Switzerland covers transfer costs in more detail.

Fastest money transfer companies in Switzerland

For urgent transfers, check how the recipient will receive the money, as an internal payment can arrive sooner than an overseas bank deposit.

The estimates below describe different services and starting points, so they should not be read as a ranking of identical transfers.

An instant payment into a provider’s account only covers the funding stage, so check when your recipient will actually be able to use the money.

Complete registration and identity checks before an urgent transfer where possible, leaving extra time for a first payment or an unusually large amount.

For more on urgent payments, see our guide to the fastest ways to send money abroad from Switzerland.

Easiest money transfer companies to use

The easiest option depends on what you already have set up and whether you prefer an online transfer or help in person.

Your Swiss bank can also be the simplest operational choice because your account is already open, although its conversion price still deserves comparison.

For a closer look at mobile setup and everyday app features, use our separate guide to money transfer apps in Switzerland.

Best companies for large transfers from Switzerland

For a large payment, I would choose b-sharpe if you need personal help arranging the exchange or fixing a rate for a planned payment.

Check whether the provider can pay your intended recipient directly, particularly for a property purchase involving a solicitor or a staged payment schedule.

If you need certainty over a future exchange rate, discuss the terms of fixing it before moving the money or making a binding commitment.

The comparison below uses CHF 50,000 to show how available transfer quotes change at a larger amount.

Last updated at 26.09.2026

CHF USD

Mid Market Rate CHF 1 = $ 1.2066

Transfer Amount CHF 50'000

1

Key Currency

2

Regency FX

3

TorFx

4

OFX

Receive amount

Transfer fee

FX rate

Markup

$ 60'207.14

CHF 0.00

1.2041

0.20%

Visit

$ 60'176.98

CHF 0.00

1.2035

0.25%

Visit

$ 60'158.88

CHF 0.00

1.2032

0.28%

Visit

$ 60'026.16

CHF 0.00

1.2005

0.50%

Visit

CHF GBP

Mid Market Rate CHF 1 = £ 0.9126

Transfer Amount CHF 50'000

1

Key Currency

2

Regency FX

3

TorFx

4

OFX

Receive amount

Transfer fee

FX rate

Markup

£ 45'538.09

CHF 0.00

0.9108

0.20%

Visit

£ 45'515.28

CHF 0.00

0.9103

0.25%

Visit

£ 45'501.59

CHF 0.00

0.9100

0.28%

Visit

£ 45'401.20

CHF 0.00

0.9080

0.50%

Visit

CHF EUR

Mid Market Rate CHF 1 = €1.0604

Transfer Amount CHF 50'000

1

Key Currency

2

Regency FX

3

TorFx

4

OFX

Receive amount

Transfer fee

FX rate

Markup

€52,915.76

CHF 0.00

1.0583

0.20%

Visit

€52,889.25

CHF 0.00

1.0578

0.25%

Visit

€52,873.34

CHF 0.00

1.0575

0.28%

Visit

€52,756.69

CHF 0.00

1.0551

0.50%

Visit

Ask the provider which source-of-funds documents it needs before the payment deadline, so document checks do not become an avoidable delay.

Our guide to currency brokers in Switzerland covers more specialist options when you want to compare personal support and arrangements for substantial transfers.

Start with the service that supports your recipient’s needs, then compare its full quote against alternatives for the same amount in Swiss francs.