Best companies for CHF/CRC transfers
3 of 3 providers Last updated on 28 October 2026
Based on 6,000 CHF transfer Best companies for CHF/CRC transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee CHF 81.72 1 CHF = 545.1800 CRC +0.67% vs mid-market	Recipient gets ₡ 3'226'527.89 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Costa Rica with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer CHF 81.721 CHF = 545.1800 CRC ₡ 3'226'527.89You payCHF 6'000.00
Promoted Regency FX Pay via Bank transfer	Fee CHF 0.00 1 CHF = 547.3657 CRC +0.27% vs mid-market	Recipient gets ₡ 3'284'193.99 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Costa Rica with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 547.3657 CRC ₡ 3'284'193.99You payCHF 6'000.00
Run a live search Showing top Switzerland to Costa Rica deals for 6,000 CHF. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live CHF to CRC rates.
Run a live search These companies offer multi-currency accounts for spending CRC. We suggest doing a live search based on how much CHF you're planning to spend in Costa Rica.
Run a live search These are managed services with real human support for large CHF transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee CHF 0.00 1 CHF = 547.3657 CRC +0.27% vs mid-market	Recipient gets ₡ 3'284'193.99 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Costa Rica with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 547.3657 CRC ₡ 3'284'193.99You payCHF 6'000.00
Wise Pay via Bank transfer	Fee CHF 81.72 1 CHF = 545.1800 CRC +0.67% vs mid-market	Recipient gets ₡ 3'226'527.89 Same day
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Costa Rica with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer CHF 81.721 CHF = 545.1800 CRC ₡ 3'226'527.89You payCHF 6'000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee CHF 56.50 1 CHF = 541.0749 CRC +1.43% vs mid-market	Recipient gets ₡ 3'215'878.63 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Costa Rica with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 56.501 CHF = 541.0749 CRC ₡ 3'215'878.63You payCHF 6'000.00
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.
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee CHF 185.50 1 CHF = 541.0749 CRC +1.43% vs mid-market	Recipient gets ₡ 3'146'079.96 Within minutes
10 reviews Multi-currency cardReceive to bank account
Ways to receive money in Costa Rica with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 185.501 CHF = 541.0749 CRC ₡ 3'146'079.96You payCHF 6'000.00
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.
How Our Results Work Mid-market rate: 1 CHF = 548.8476 CRC Updates every 60 minutes.

Why compare

CHF/CRC exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Switzerland to Costa Rica

Pick a company

Start with the cheapest, which is Regency FX at 3,284,193.99 CRC for a CHF 6,000 transfer.

Regency FX was the cheapest on 24 of the 24 days it quoted fr.6,000 transfers to Costa Rica.

Sending the same money as an international transfer from your Swiss bank costs 1 to 3% in the rate before any fee.

Fund your transfer

You have 2 ways to pay, including bank transfer and debit card.

TWINT won't do this, it's for paying people and shops inside Switzerland.

Verify and send

First time round you'll need a photo ID and your Swiss address.

The company may pause a first large transfer, it just means you need to submit more details to confirm it's really you.

Compare amounts

How much CHF are you sending to Costa Rica?

How much CHF you send to Costa Rica heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Regency FX was the cheapest in 100% of the transfers from CHF 6,000 it quoted, and in 100% of all the transfers it quoted.


CHF 1'000	1.43%	CHF 2.70	₡ 539'605.55with bank transfer to bank deposit	+₡ 12'270.44
CHF 5'000	0.27%	CHF 0.00	₡ 2'734'950.32with bank transfer to bank deposit	+₡ 77'915.24
CHF 6'000This page	0.27%	CHF 0.00	₡ 3'284'193.99with bank transfer to bank deposit	+₡ 66'023.87
CHF 25'000	0.25%	CHF 0.00	₡ 13'670'995.58with bank transfer to bank deposit	+₡ 285'614.66

Mid-market rate: 1 CHF = 548.8476 CRC

CHF/CRC Exchange Rate History

Is today a good time to send money from Switzerland to Costa Rica?

The cheapest way to send CHF to CRC can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 6,000 CHF transfers to Costa Rica.

Each line shows what the recipient gets when you send CHF 6'000, after fees, as quoted by each company. The mid-market line shows what CHF 6'000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more CRC per CHF than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of CRC on every transfer from Switzerland.

Right now, Regency FX pays 3,284,193.99 CRC on 6,000 CHF, which is 8,891.33 CRC less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 3,320,523.49 CRC.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Costa Rica.

We've tracked 105 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

Regency FXAppeared in 67 comparisons
Cheapest every time
WiseAppeared in 103 comparisons
Cheapest in 18% of them
RevolutAppeared in 93 comparisons
Cheapest in 20% of them

Based on 105 comparisons across 4 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest and gets you the most CRC, and it was also the cheapest in 100% of the 67 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Costa Rica.

Wise (today's second cheapest) was the cheapest in only 18% of its comparisons, so it's rarely the cheapest option for transfers to Costa Rica.

Ways to send money from Switzerland to Costa Rica

3 companies send money from Switzerland to Costa Rica, across app, multi-currency account, global account, broker, and online, and more.

For one-off transfers

Online transfers

Online services like Wise are usually cheaper than Swiss banks for one-off and medium-sized transfers.

With Wise, 6,000 CHF gets your recipient 3,226,527.89 CRC.

The fee is 81.72 CHF, with a 0.67% markup on top of the CHF/CRC rate.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 days it quoted.

For spending and receiving

Multi-currency accounts

A multi-currency account is useful if you earn in Swiss francs but spend money in CRC (be it payments or travelling).

Wise converts CHF 6,000 with a 0.67% exchange-rate markup and lets you hold CHF and CRC in one account.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

For regular transfers

Money transfer apps

For the monthly transfer to family, money transfer apps are the easiest to start with.

Wise charges fr.81.72 on a fr.6,000 transfer, and the money lands same day.

Over the past month, Wise was the cheapest app on 100% of the days it appeared for fr.6,000 transfers.

You can also save recipients and create automated scheduled transfers to Costa Rica.

You can’t make deposits with TWINT, but instead you can use Apple Pay, Google Pay, bank transfer and debit card.

For large CHF transfers

Currency brokers

Private banks can usually do this too, but brokers streamline the process and you also get an account manager to handle the transfer.

For example, if you are buying property in Costa Rica or moving your wealth, a broker like Regency FX charges no fee and works on a margin instead (0.27% on CHF/CRC).

I suggest , since the more CRC you send the better rate you get.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from CHF 6,000 it quoted.

Brokers charge no fees, so settle with the one that gives you the best CHF/CRC rate.

For companies paying across borders

Global accounts

Converting every payment separately adds extra work for Swiss businesses with regular costs in Costa Rica.

A global account lets you hold CRC alongside CHF and pay from the balance.

Wise Business, WorldFirst and Airwallex offer multi-currency accounts with business payment tools.

Ways to fund CHF and receive CRC in Costa Rica

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 3,284,193.99 CRC.

The transfer can be paid for by bank transfer and debit card.

You can pay from your Swiss bank account

Send CHF to the account details provided by the company.

Use the exact reference so it can match the payment to your transfer.

TWINT is mainly for payments in Switzerland, so it does not replace an international transfer to Costa Rica.

In Costa Rica, they can get CRC delivered as bank deposit.

1

Bank transfer Bank deposit

You pay fr.6,000.00

₡3,284,194

Cheapest
2

Debit card Bank deposit

You pay fr.6,000.00

₡3,146,080

-₡138,114

Things to know before sending CHF to Costa Rica

The exchange-rate margin usually matters more than the transfer fee from Switzerland. Gift tax and account protection also depend on details that are easy to miss.

Compare CHF/CRC transfer options

For a CHF 6,000 transfer to Costa Rica, these are the best options in our comparison.

Cheapest way to send money to Costa Rica

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 3,284,193.99 CRC, which is 1.76% more than the next best option.

Fastest way to send money to Costa Rica

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 3,215,878.63 CRC in within minutes.

Switzerland is in SEPA, but CHF is not a SEPA currency

Swiss banks can make SEPA payments in euros, but a CHF transfer to CRC requires a conversion.

Same goes for TWINT and Swiss instant payments.

Money transfer companies can take these as funding methods (since accounts are in Switzerland) but then they switch to an internal network of accounts.

Gift tax depends on your canton

Switzerland has no federal gift tax applied on transfers abroad.

Most cantons impose their own rules, with the amount due usually depending on the value of the gift and your relationship to the recipient.

The federal Swiss authorities explain the cantonal rules here.

Money transfer protection

Do not assume every app used in Switzerland is FINMA-authorised or covered by Swiss deposit insurance.

Some services operate under a foreign licence, and a Swiss virtual IBAN does not by itself create Swiss deposit protection.

Eligible deposits at participating Swiss banks are protected up to CHF 100,000 per customer and bank, but esisuisse confirms that a virtual IBAN or correspondent account may fall outside that protection.

If you’re in doubt about a money transfer company or app, check the legal company behind the service in the FINMA register.

How we analyse the market

Most pricing comes straight from the companies, and anything we collect by hand is marked in the table.

That covers 3 of them sending CHF to Costa Rica, refreshed in real time on live searches and compared on rates, fees and the ways to pay and collect.

In the past 30 days alone, we analysed 105 comparisons across 4 amounts.

This page covers the cheapest and fastest options for CHF/CRC transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review. More on who we are, why you can trust us and how to get started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Switzerland

Send money to Costa Rica

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Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	545.2471	–	₡ 3'271'482.65
Regency FX Cheapest	543.7749	CHF 0.00	₡ 3'262'649.64	−₡ 8'833.01
Wise	544.7690	CHF 81.72	₡ 3'224'095.48	−₡ 47'387.17
Revolut	540.8930	CHF 56.50	₡ 3'214'797.47	−₡ 56'685.18

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	546.9475	–	₡ 3'281'684.96
Regency FX Cheapest	545.4707	CHF 0.00	₡ 3'272'824.41	−₡ 8'860.55
Wise	545.8080	CHF 81.72	₡ 3'230'244.57	−₡ 51'440.39
Revolut	541.8765	CHF 56.50	₡ 3'220'642.90	−₡ 61'042.06

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	548.7230	–	₡ 3'292'337.77
Regency FX Cheapest	547.2414	CHF 0.00	₡ 3'283'448.45	−₡ 8'889.32
Wise	547.3210	CHF 81.72	₡ 3'239'198.93	−₡ 53'138.84
Revolut	543.0244	CHF 56.50	₡ 3'227'465.43	−₡ 64'872.34

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	554.9189	–	₡ 3'329'513.17
Regency FX Cheapest	553.4206	CHF 0.00	₡ 3'320'523.49	−₡ 8'989.68
Wise	553.1380	CHF 81.72	₡ 3'273'625.56	−₡ 55'887.61
Revolut	549.2674	CHF 56.50	₡ 3'264'570.81	−₡ 64'942.36

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	553.0594	–	₡ 3'318'356.36
Regency FX Cheapest	551.5661	CHF 0.00	₡ 3'309'396.80	−₡ 8'959.56
Wise	552.5180	CHF 81.72	₡ 3'269'956.23	−₡ 48'400.13
Revolut	547.0843	CHF 116.50	₡ 3'218'770.39	−₡ 99'585.97

Sun, 4 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	550.5947	–	₡ 3'303'568.46
Regency FX Cheapest	549.1081	CHF 0.00	₡ 3'294'648.82	−₡ 8'919.64
Wise	552.5180	CHF 81.72	₡ 3'269'956.23	−₡ 33'612.23
Revolut	547.0843	CHF 116.50	₡ 3'218'770.39	−₡ 84'798.07

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	552.5998	–	₡ 3'315'599.09
Wise Cheapest	552.7180	CHF 81.72	₡ 3'271'139.89	−₡ 44'459.20
Regency FX No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	550.4720	CHF 81.72	₡ 3'257'847.43	–
Revolut	546.4191	CHF 56.50	₡ 3'247'641.89	–
Regency FX No quote collected this day	–	–	–	–

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	549.5593	–	₡ 3'297'355.67
Regency FX Cheapest	548.0755	CHF 0.00	₡ 3'288'452.81	−₡ 8'902.86
Wise	548.3910	CHF 81.72	₡ 3'245'531.49	−₡ 51'824.18
Revolut	544.3241	CHF 56.50	₡ 3'235'190.08	−₡ 62'165.59

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	547.6041	–	₡ 3'285'624.81
Regency FX Cheapest	546.1256	CHF 0.00	₡ 3'276'753.62	−₡ 8'871.19
Wise	546.7500	CHF 81.72	₡ 3'235'819.59	−₡ 49'805.22
Revolut	542.7401	CHF 56.50	₡ 3'225'775.60	−₡ 59'849.21

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	546.5030	CHF 81.72	₡ 3'234'357.77	–
Revolut	542.5170	CHF 56.50	₡ 3'224'449.54	–
Regency FX No quote collected this day	–	–	–	–

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	549.9834	–	₡ 3'299'900.29
Regency FX Cheapest	548.4984	CHF 0.00	₡ 3'290'990.56	−₡ 8'909.73
Wise	546.4820	CHF 81.72	₡ 3'234'233.49	−₡ 65'666.80
Revolut	540.7793	CHF 116.50	₡ 3'181'674.81	−₡ 118'225.48

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	548.2829	–	₡ 3'289'697.31
Regency FX Cheapest	546.8025	CHF 0.00	₡ 3'280'815.13	−₡ 8'882.18
Wise	545.4310	CHF 81.72	₡ 3'228'013.38	−₡ 61'683.93
Revolut	541.4065	CHF 56.50	₡ 3'217'849.41	−₡ 71'847.90

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	547.5561	–	₡ 3'285'336.60
Regency FX Cheapest	546.0777	CHF 0.00	₡ 3'276'466.19	−₡ 8'870.41
Wise	542.8960	CHF 81.72	₡ 3'213'010.54	−₡ 72'326.06
Revolut	538.8524	CHF 56.50	₡ 3'202'668.95	−₡ 82'667.65

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	539.2140	CHF 81.72	₡ 3'191'219.43	–
Revolut	535.2418	CHF 56.50	₡ 3'181'209.81	–
Regency FX No quote collected this day	–	–	–	–

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	548.6765	–	₡ 3'292'058.71
Regency FX Cheapest	547.1950	CHF 0.00	₡ 3'283'170.15	−₡ 8'888.56
Wise	543.8140	CHF 81.72	₡ 3'218'443.52	−₡ 73'615.19
Revolut No quote collected this day	–	–	–	–

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	551.9851	–	₡ 3'311'910.31
Regency FX Cheapest	550.4947	CHF 0.00	₡ 3'302'968.15	−₡ 8'942.16
Wise	546.8620	CHF 81.72	₡ 3'236'482.44	−₡ 75'427.87
Revolut	542.7490	CHF 56.50	₡ 3'225'828.87	−₡ 86'081.44

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	551.0134	–	₡ 3'306'080.47
Regency FX Cheapest	549.5257	CHF 0.00	₡ 3'297'154.05	−₡ 8'926.42
Wise	546.8720	CHF 81.72	₡ 3'236'541.62	−₡ 69'538.85
Revolut	541.1668	CHF 116.50	₡ 3'183'955.10	−₡ 122'125.37

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	552.9100	–	₡ 3'317'459.71
Regency FX Cheapest	551.4171	CHF 0.00	₡ 3'308'502.56	−₡ 8'957.15
Wise	547.0050	CHF 81.72	₡ 3'237'328.75	−₡ 80'130.96
Revolut	543.1294	CHF 56.50	₡ 3'228'089.52	−₡ 89'370.19

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	550.4014	–	₡ 3'302'408.17
Regency FX Cheapest	548.9153	CHF 0.00	₡ 3'293'491.67	−₡ 8'916.50
Wise	547.5860	CHF 81.72	₡ 3'240'767.27	−₡ 61'640.90
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	549.8680	–	₡ 3'299'207.83
Regency FX Cheapest	548.3833	CHF 0.00	₡ 3'290'299.96	−₡ 8'907.87
Wise	548.7750	CHF 81.72	₡ 3'247'804.11	−₡ 51'403.72
Revolut No quote collected this day	–	–	–	–

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	554.7140	CHF 81.72	₡ 3'282'952.77	–
Revolut	550.6065	CHF 56.50	₡ 3'272'529.73	–
Regency FX No quote collected this day	–	–	–	–

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	554.1974	–	₡ 3'325'184.45
Regency FX Cheapest	552.7011	CHF 0.00	₡ 3'316'206.45	−₡ 8'978.00
Wise	551.8650	CHF 81.72	₡ 3'266'091.59	−₡ 59'092.86
Revolut	548.2531	CHF 56.50	₡ 3'258'542.25	−₡ 66'642.20

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	552.6974	–	₡ 3'316'184.25
Regency FX Cheapest	551.2051	CHF 0.00	₡ 3'307'230.55	−₡ 8'953.70
Wise No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	551.4400	–	₡ 3'308'640.29
Regency FX Cheapest	549.9512	CHF 0.00	₡ 3'299'706.97	−₡ 8'933.32
Wise	548.2560	CHF 81.72	₡ 3'244'732.52	−₡ 63'907.77
Revolut	543.2464	CHF 56.50	₡ 3'228'785.24	−₡ 79'855.05

How to send money to Costa Rica from Switzerland with the best CHF-CRC rate

Best companies for CHF/CRC transfers