The cheapest option overall is Key Currency, giving your recipient 6,333.14 EUR when you send CHF 6,000.
Below we’ve compared 9 ways to send money from Switzerland to Croatia.
| 9 of 9 providers Last updated on 28 September 2026 | |||
| Based on 6,000 CHF transfer Best companies for CHF/EUR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee CHF 14.98 1 CHF = 1.0581 EUR +0.01% vs mid-market | Recipient gets €6,332.69 Within minutes | |
Ways to receive money in Croatia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 14.981 CHF = 1.0581 EUR €6,332.69You payCHF 6'000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0543 EUR +0.37% vs mid-market | Recipient gets €6,325.80 Minutes - 24 hours | |
Ways to receive money in Croatia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0543 EUR €6,325.80You payCHF 6'000.00 | |||
Run a live search Showing top Switzerland to Croatia 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 EUR rates. | |||
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much CHF you're planning to spend in Croatia. | |||
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: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0555 EUR +0.25% vs mid-market | Recipient gets €6,333.14 Minutes - 3 days | |
Ways to receive money in Croatia with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 CHF = 1.0555 EUR €6,333.14You payCHF 6'000.00 | |||
| Wise Pay via Bank transfer | Fee CHF 14.98 1 CHF = 1.0581 EUR +0.01% vs mid-market | Recipient gets €6,332.69 Within minutes | |
Ways to receive money in Croatia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 14.981 CHF = 1.0581 EUR €6,332.69You payCHF 6'000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0553 EUR +0.27% vs mid-market | Recipient gets €6,331.87 Minutes - 24 hours | |
Ways to receive money in Croatia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0553 EUR €6,331.87You payCHF 6'000.00 | |||
 TorFx Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0550 EUR +0.30% vs mid-market | Recipient gets €6,329.96 Minutes - 24 hours | |
Ways to receive money in Croatia with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0550 EUR €6,329.96You payCHF 6'000.00 | |||
| Xe Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0543 EUR +0.37% vs mid-market | Recipient gets €6,325.80 Minutes - 24 hours | |
Ways to receive money in Croatia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0543 EUR €6,325.80You payCHF 6'000.00 | |||
 OFX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0529 EUR +0.50% vs mid-market | Recipient gets €6,317.26 Minutes - 24 hours | |
Ways to receive money in Croatia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0529 EUR €6,317.26You payCHF 6'000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0526 EUR +0.53% vs mid-market | Recipient gets €6,315.60 Minutes - 24 hours | |
Ways to receive money in Croatia with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0526 EUR €6,315.60You payCHF 6'000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee CHF 47.50 1 CHF = 1.0573 EUR +0.08% vs mid-market | Recipient gets €6,293.52 Within minutes | |
Ways to receive money in Croatia with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 47.501 CHF = 1.0573 EUR €6,293.52You 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. | |||
| Xe Pay via Debit card | Fee CHF 36.00 1 CHF = 1.0545 EUR +0.35% vs mid-market | Recipient gets €6,289.04 Minutes - 24 hours | |
Ways to receive money in Croatia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 36.001 CHF = 1.0545 EUR €6,289.04You payCHF 6'000.00 | |||
| Xe Pay via Credit card | Fee CHF 36.00 1 CHF = 1.0545 EUR +0.35% vs mid-market | Recipient gets €6,289.04 Minutes - 24 hours | |
Ways to receive money in Croatia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 36.001 CHF = 1.0545 EUR €6,289.04You payCHF 6'000.00 | |||
 Moneycorp Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0434 EUR +1.40% vs mid-market | Recipient gets €6,260.12 Minutes - 2 days | |
Ways to receive money in Croatia with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CHF = 1.0434 EUR €6,260.12You payCHF 6'000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee CHF 89.50 1 CHF = 1.0573 EUR +0.08% vs mid-market | Recipient gets €6,249.11 Within minutes | |
Ways to receive money in Croatia with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 89.501 CHF = 1.0573 EUR €6,249.11You 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 = 1.0582 EUR Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Key Currency at 6,333.14 EUR for CHF 6,000 transfer.
Sending the same money as an international transfer from your Swiss bank costs 1 to 3% in the rate before any fee.
You have 3 ways to pay, including bank transfer, debit card, and credit card.
TWINT won't do this, it's for paying people and shops inside Switzerland.
First time round you'll need a photo ID and your Swiss address.
Your may pause a first large transfer, it just means you need to submit more details to confirm it's really you.
How much CHF you send to Croatia 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| CHF 1'000 | 0.07% | CHF 0.00 | €1,057.45with bank transfer to bank deposit | +€16.99 | |
| CHF 6'000This page | 0.25% | CHF 0.00 | €6,333.14with bank transfer to bank deposit | +€27.54 | |
| CHF 25'000 | 0.20% | CHF 0.00 | €26,381.21with bank transfer to bank deposit | +€117.24 |
Mid-market rate: 1 CHF = 1.0582 EUR
9 companies send money from Switzerland to Croatia, across broker, online, app, multi-currency account, and global account, and more.
For one-off 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 6,332.69 EUR.
The fee is 14.98 CHF, with a 0.01% on top of CHF/EUR rate.
For spending and receiving
A multi-currency account is useful if you earn in Swiss francs but spend money in EUR (be it payments or travelling).
Wise converts CHF 6,000 with a 0.01% exchange-rate markup and lets you hold CHF and EUR in one account.
For regular transfers
For the monthly transfer to family, money transfers apps are the easiest to start with.
Wise charges fr.14.98 on a fr.6,000 transfer, and the money lands within an hour.
You can also save recipients and create automated scheduled transfers to Croatia.
You can’t make deposits with TWINT, but instead you can use Apple Pay, Google Pay, bank transfer, debit card, and credit card.
For large CHF transfers
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 Croatia or moving your wealth, a broker like Key Currency charges no fee and works on a margin instead (0.25% on CHF/EUR).
I suggest , since the more EUR you send the better rate you get.
Brokers charge no fees, so settle with the one that gives you the best CHF/EUR rate.
For companies paying across borders
Converting every payment separately adds extra work for Swiss businesses with regular costs in Croatia.
A global account lets you hold EUR alongside CHF and pay from the balance.
Wise Business, WorldFirst and Airwallex offer multi-currency accounts with business payment tools.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 6,333.14 EUR.
The transfer can be paid for by bank transfer, debit card, and credit 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 Croatia.
In Croatia, they can get EUR delivered as bank deposit.
You pay fr.6,000.00
€6,333
Cheapest
You pay fr.6,000.00
€6,289
-€44
You pay fr.6,000.00
€6,289
-€44
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.
For a CHF 6,000 transfer to Croatia, these are the best options in our comparison.
Cheapest way to send money to Croatia
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,333.14 EUR, which is 0.01% more than the next best option.
Fastest way to send money to Croatia
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 6,293.52 EUR in within minutes.
Swiss banks can make SEPA payments in euros, but CHF transfer to a EUR 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.
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.
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.
The rate you secure determines how much EUR arrives for your CHF. The weekly average is a simple benchmark for comparing today's offers.
Mid-market rate:1 CHF = 1.057695 EUR
Most pricing comes straight from the companies, and anything we collect by hand is marked in the table.
That covers 9 of them sending CHF to Croatia, refreshed in real time on live searches and compared on rates, fees and the ways to pay and collect.
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.
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