The Cheapest Ways to Send Money Abroad from Switzerland in 2026

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.

Amount

AmountCHF 1,000CHF 5,000CHF 50,000Custom

Last updated at 26.09.2026

CHF USD

Mid Market Rate CHF 1 = $ 1.2067CHF 1 = $ 1.2064CHF 1 = $ 1.2066

Transfer Amount CHF 1'000CHF 5'000CHF 50'000

1

Revolut

2

Wise

3

Currencies Direct

4

Xe

1

Regency FX

2

Wise

3

TorFx

4

Xe

1

Key Currency

2

Regency FX

3

TorFx

4

OFX

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%

Visit

$ 1'200.80

CHF 0.00

1.2008

0.49%

Visit

$ 6'015.55

CHF 0.00

1.2031

0.27%

Visit

$ 6'014.63

CHF 14.77

1.2065

-0.01%

Visit

$ 6'013.74

CHF 0.00

1.2027

0.30%

Visit

$ 6'009.00

CHF 0.00

1.2018

0.38%

Visit

$ 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 = £ 0.9126CHF 1 = £ 0.9126CHF 1 = £ 0.9126

Transfer Amount CHF 1'000CHF 5'000CHF 50'000

1

Revolut

2

Wise

3

Xe

4

Currencies Direct

1

Regency FX

2

Wise

3

TorFx

4

Xe

1

Key Currency

2

Regency FX

3

TorFx

4

OFX

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%

Visit

£ 4'549.95

CHF 14.69

0.9127

-0.01%

Visit

£ 4'549.25

CHF 0.00

0.9098

0.30%

Visit

£ 4'543.50

CHF 0.00

0.9087

0.43%

Visit

£ 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 = €1.0605CHF 1 = €1.0603CHF 1 = €1.0604

Transfer Amount CHF 1'000CHF 5'000CHF 50'000

1

Revolut

2

Wise

3

Xe

4

Currencies Direct

1

Wise

2

Regency FX

3

TorFx

4

Xe

1

Key Currency

2

Regency FX

3

TorFx

4

OFX

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

€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

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

Visit

"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

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.

8.9

Currencies Direct

Fees

None

Exchange Rate Markup

0.2% - 2%

Transfer Speed

Minutes - 24 hours

Visit

"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

Visit

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.

Revolut

Revolut works well for weekday conversions within your Standard plan allowance.

Standard adds a 1% fee to exchange above that allowance and another 1% between Friday 17:00 and Sunday 18:00 Eastern Time.

Exchanging CHF2,000 during market hours with the full allowance available creates a CHF7.50 fair-usage fee before any transfer or bank charge.

Premium, Metal and Ultra remove these added exchange fees, but their subscription price belongs in the cost if remittances drive your plan choice.

EUR transfers through SEPA can avoid a bank-transfer fee, while SWIFT and intermediary charges can still apply elsewhere.

These tables let you compare the final Revolut quote across three destination currencies at both amounts.

b-sharpe

I'd use b-sharpe for six-figure currency conversions.

Its exchange margin ranges from 0.12% to 0.5%, depending on the currency pair and amount.

For CHF100,000 or more, the range narrows to 0.12% to 0.25%, roughly CHF120 to CHF250 of embedded conversion cost before outside charges.

That arithmetic makes the exact pair quote essential, because the upper end costs more than twice the lower end on the same amount.

The personal Swiss IBAN has no opening, management or subscription fee, while shared or correspondent charges can still reduce the benefit.

I would compare b-sharpe with Wise and a broker quote for six figures, then choose using the complete recipient amount.

Telexoo

Telexoo offers lower margins when converting at least CHF1,000 into your own euro account.

The margin is 1% below CHF1,000 and falls to 0.42% from CHF1,000 through CHF49,999.99.

That represents roughly CHF4.20 of conversion cost on CHF1,000 or CHF21 on CHF5,000, before sender-bank or third-party charges.

For recurring salary conversions, one CHF1,000 exchange can therefore carry a lower percentage margin than two CHF500 exchanges.

The margin falls again to 0.39% from CHF50,000, 0.35% from CHF100,000 and 0.25% from CHF250,000.

Fund Telexoo by bank transfer, since cash and post-office counter payments are not accepted and a counter-origin deposit attracts a CHF50 charge.

Register the bank accounts in your name, and use a broader transfer service if you need to pay somebody else directly.

Its own charges are included in the margin, but correspondent and sender-bank costs can still alter the final amount.

Currencies Direct

I would choose Currencies Direct for larger planned payments that need personal support.

Most transfers have no separate transfer fee, but the company earns through a variable exchange-rate margin that determines the real cost.

The confirmed rate is fixed provided you meet the agreed funding deadline, giving you certainty over that conversion rather than a guaranteed saving.

Intermediary or recipient banks can charge separately, so ask whether the quoted recipient amount already allows for those deductions.

When sending over CHF25,000, I’d suggest getting quotes from:

• Currencies Direct

• OFX

• Regency FX

• TorFX

• Wise (they do large transfer discounts on CHF 22,000+)

• Your bank

Then either go with the cheapest option, or use it to negotiate with other brokers (they will almost always match the rate or do give a better one).

The tables below show Currencies Direct results for EUR, GBP and USD at both comparison amounts.

Western Union

Western Union gives recipients cash access when the pickup quote is competitive.

It supports both bank and cash delivery on relevant routes, with Swiss Post providing an in-person Western Union option.

The transfer fee and exchange rate change with the amount, destination and recipient method, so use the final cash amount when comparing costs.

Cash convenience can cost more than a bank deposit, but a cheaper bank quote has little value when the recipient cannot use it.

Compare Western Union against another cash route only after matching the pickup location and funding method.

Check the online and Swiss Post branch prices separately, since the sending channel can change the cost of the same cash payout.

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.

For wider differences in support and delivery, see the best money transfer services in Switzerland.

How to save on an international transfer in Switzerland

Use a current comparison for your amount and destination, then add any local quote serving your exact funding and recipient method.