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Table of Contents
For a small weekday CHF-to-EUR transfer, my first choice would be Revolut Standard while its monthly exchange allowance is available.
Above that allowance, I would look at Wise or Telexoo, with b-sharpe particularly useful for its lower margins on six-figure conversions.
If the recipient needs cash or a Mastercard payout, Western Union and Swiss Bankers Send offer alternatives to bank-account delivery.
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Cheapest money transfers from Switzerland right now
These examples below cover popular destinations, plus sterling payments to the UK and dollar payments to the US.
Compare the recipient amount for the same payout method, then check whether the total includes any card or bank charges.
Table updates weekly. All information comes directly from our comparisons, provider APIs, and manual rate collection.
Since CHF rates change all the time, this table shows the cheapest options right now to send from Switzerland, while the list below covers companies that are generally competitive for different types of transfer.
Cheapest services for sending money from Switzerland
I would choose between these services according to the amount and how the recipient needs the money.
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."
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.
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."
8.1
Western Union
Fees
None
Exchange Rate Markup
0.2% - 1.5%
Transfer Speed
1 - 5 days
Wise
Wise clearly separates the mid-market exchange rate from its transfer fee.
The fee changes with the destination and payment method, so judge the recipient amount rather than carrying one percentage between currencies.
An automatic volume discount starts after CHF20,000 or equivalent sent during a calendar month, which can reduce the cost of later transfers.
That threshold rewards repeated or larger use, but it does not prove Wise beats b-sharpe or a negotiated broker quote.
The tables below show current Wise results for EUR, GBP and USD at CHF1,000 and CHF6,000.
Western Union gives recipients cash access when the pickup quote is competitive.
Western Union supports bank deposits and cash collection, with participating agents offering an option to send money in person.
Swiss Post stopped offering Western Union on 1 January 2026, so check the current agent finder before visiting a location.
Fees and exchange rates depend on the amount, destination and delivery method, with online and agent prices sometimes differing.
I would use cash collection when your recipient cannot access a bank account, even if bank delivery costs less.
When comparing cash transfers, match the funding method and collection location, then check how much your recipient receives after fees.
Swiss Bankers Send
Swiss Bankers Send supports Mastercard and wallet delivery from a funded prepaid card.
The transfer fee is CHF2 to a foreign Mastercard or CHF3 to a bank account, wallet or cash-pickup point.
Mastercard payments range from CHF1 to CHF2,500 depending on the destination, making this a smaller card-payout route rather than a large-transfer option.
An already loaded card usually avoids a new funding charge, although Travel or Prime can add its usual CHF, EUR or USD1 transaction fee.
Online-banking loads are free and usually take up to two working days, while a quick debit or credit-card load costs 1.5%.
On CHF1,000, that quick card load costs CHF15 before the CHF2 Mastercard transfer fee and exchange-rate cost.
I would use an existing balance or free bank load when timing allows, then compare the complete conversion with a bank-funded service.
Avoid paying for a second currency conversion
Sending CHF into a euro account can leave the receiving bank converting the money at its own rate.
Compare that complete cost with a service that converts CHF first and delivers EUR directly to the account.
An intermediate currency only helps when the final recipient amount is better after both conversions and all transfer charges.
Are Swiss banks cheaper than transfer services?
PostFinance charges CHF0 for an app or e-finance EUR SEPA payment, which can be useful when you already hold EUR.
If you begin with CHF, the conversion still has a cost, and sending CHF abroad can leave the recipient bank choosing the exchange rate.
Ordinary worldwide payments cost CHF2 with recipient deductions or generally CHF22 for full amount to the recipient bank.
The full-amount option costs CHF9 for GBP to the UK, while the recipient bank can still charge a separate account-credit fee.
Compare the bank's conversion and recipient amount with the specialist quote instead of judging the visible payment fee alone.
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