The cheapest option overall is Key Currency, giving your recipient 6,369.5 EUR when you send CHF 6,000.
Below we’ve compared 9 ways to send money from Switzerland to Germany.
| 9 of 9 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze CHF/EUR exchange rates from our comparisons. | |||
| Based on 6,000 CHF transfer Best companies for CHF/EUR transfersAll money transfer offers for CHF/EUR transfers, sorted by most EUR received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee CHF 14.98 1 CHF = 1.0642 EUR +0.01% vs mid-market | Recipient gets €6,369.08 Within minutes | |
Ways to receive money in Germany with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 14.981 CHF = 1.0642 EUR €6,369.08You payCHF 6'000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0601 EUR +0.39% vs mid-market | Recipient gets €6,360.60 Minutes - 24 hours | |
Ways to receive money in Germany with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0601 EUR €6,360.60You payCHF 6'000.00 | |||
Run a live search Showing top Switzerland to Germany 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 Germany. | |||
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 = 1.0616 EUR +0.25% vs mid-market | Recipient gets €6,369.50 Minutes - 3 days | |
Ways to receive money in Germany with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 CHF = 1.0616 EUR €6,369.50You payCHF 6'000.00 | |||
| Wise Pay via Bank transfer | Fee CHF 14.98 1 CHF = 1.0642 EUR +0.01% vs mid-market | Recipient gets €6,369.08 Within minutes | |
Ways to receive money in Germany with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 14.981 CHF = 1.0642 EUR €6,369.08You payCHF 6'000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0614 EUR +0.27% vs mid-market | Recipient gets €6,368.22 Minutes - 24 hours | |
Ways to receive money in Germany with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0614 EUR €6,368.22You payCHF 6'000.00 | |||
 TorFx Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0611 EUR +0.30% vs mid-market | Recipient gets €6,366.31 Minutes - 24 hours | |
Ways to receive money in Germany with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0611 EUR €6,366.31You payCHF 6'000.00 | |||
| Xe Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0601 EUR +0.39% vs mid-market | Recipient gets €6,360.60 Minutes - 24 hours | |
Ways to receive money in Germany with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0601 EUR €6,360.60You payCHF 6'000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0587 EUR +0.52% vs mid-market | Recipient gets €6,352.20 Minutes - 24 hours | |
Ways to receive money in Germany with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0587 EUR €6,352.20You payCHF 6'000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee CHF 2.82 1 CHF = 1.0580 EUR +0.59% vs mid-market | Recipient gets €6,345.00 Minutes - 24 hours | |
Ways to receive money in Germany with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 2.821 CHF = 1.0580 EUR €6,345.00You payCHF 6'000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee CHF 47.50 1 CHF = 1.0635 EUR +0.07% vs mid-market | Recipient gets €6,330.62 Within minutes | |
Ways to receive money in Germany with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 47.501 CHF = 1.0635 EUR €6,330.62You 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 = 1.0611 EUR +0.30% vs mid-market | Recipient gets €6,328.40 Minutes - 24 hours | |
Ways to receive money in Germany with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 36.001 CHF = 1.0611 EUR €6,328.40You payCHF 6'000.00 | |||
| Xe Pay via Credit card | Fee CHF 36.00 1 CHF = 1.0611 EUR +0.30% vs mid-market | Recipient gets €6,328.40 Minutes - 24 hours | |
Ways to receive money in Germany with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 36.001 CHF = 1.0611 EUR €6,328.40You payCHF 6'000.00 | |||
 Moneycorp Pay via Bank transfer | Fee CHF 0.00 1 CHF = 1.0493 EUR +1.40% vs mid-market | Recipient gets €6,296.07 Minutes - 2 days | |
Ways to receive money in Germany with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CHF = 1.0493 EUR €6,296.07You payCHF 6'000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee CHF 89.50 1 CHF = 1.0635 EUR +0.07% vs mid-market | Recipient gets €6,285.95 Within minutes | |
Ways to receive money in Germany with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 89.501 CHF = 1.0635 EUR €6,285.95You 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 = 1.064244 EUR Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Key Currency at 6,369.5 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.
9 companies send money from Switzerland to Germany, 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 6,369.08 EUR.
The fee is 14.98 CHF, with a 0% 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% 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 Germany.
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 Germany 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 Germany.
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 6,369.5 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 Germany.
In Germany, they can get EUR delivered as bank deposit.
You pay fr.6,000.00
€6,370
Cheapest
You pay fr.6,000.00
€6,328
-€41
You pay fr.6,000.00
€6,328
-€41
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 Germany, these are the best options in our comparison.
Cheapest way to send money to Germany
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,369.5 EUR, which is 0.01% more than the next best option.
Fastest way to send money to Germany
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 6,330.62 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 = 1.063515 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 Germany, 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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