MoneyTransfers

How to send money to Guatemala from Switzerland with the best CHF-GTQ rate

The cheapest option overall is Regency FX, giving your recipient 55,190.78 GTQ when you send CHF 6,000.

Below we’ve compared 4 ways to send money from Switzerland to Guatemala.

Best companies for CHF/GTQ transfers

4 of 4 providers

Last updated on 26 September 2026

Based on 6,000 CHF transfer

Best companies for CHF/GTQ transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee CHF 191.43 1 CHF = 9.2187 GTQ +0.05% vs mid-market Recipient gets Q 53'547.41 Within a week
25 reviews
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Guatemala with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
CHF 191.431 CHF = 9.2187 GTQ
Q 53'547.41You payCHF 6'000.00
Promoted

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 9.0981 GTQ +1.37% vs mid-market Recipient gets Q 54'588.60 Minutes - 24 hours
4 reviews
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Guatemala with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 9.0981 GTQ
Q 54'588.60You payCHF 6'000.00

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Regency FX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 9.1985 GTQ +0.27% vs mid-market Recipient gets Q 55'190.78 Minutes - 24 hours
9 reviews
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Guatemala with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 9.1985 GTQ
Q 55'190.78You payCHF 6'000.00

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 9.0981 GTQ +1.37% vs mid-market Recipient gets Q 54'588.60 Minutes - 24 hours
4 reviews
Fastest
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Guatemala with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 9.0981 GTQ
Q 54'588.60You payCHF 6'000.00

Xe

Pay via Debit card
Fee CHF 36.00 1 CHF = 9.0981 GTQ +1.37% vs mid-market Recipient gets Q 54'261.07 Minutes - 24 hours
4 reviews
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Guatemala with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 9.0981 GTQ
Q 54'261.07You payCHF 6'000.00

Xe

Pay via Credit card
Fee CHF 36.00 1 CHF = 9.0981 GTQ +1.37% vs mid-market Recipient gets Q 54'261.07 Minutes - 24 hours
4 reviews
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Guatemala with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 9.0981 GTQ
Q 54'261.07You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee CHF 116.50 1 CHF = 9.1539 GTQ +0.76% vs mid-market Recipient gets Q 53'856.73 Next day
10 reviews
Multi-currency cardReceive to bank account

Ways to receive money in Guatemala with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositNext day
CHF 116.501 CHF = 9.1539 GTQ
Q 53'856.73You 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.

Wise

Pay via Bank transfer
Fee CHF 191.43 1 CHF = 9.2187 GTQ +0.05% vs mid-market Recipient gets Q 53'547.41 Within a week
25 reviews
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Guatemala with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
CHF 191.431 CHF = 9.2187 GTQ
Q 53'547.41You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee CHF 245.50 1 CHF = 9.1539 GTQ +0.76% vs mid-market Recipient gets Q 52'675.89 Within minutes
10 reviews
Multi-currency cardReceive to bank account

Ways to receive money in Guatemala with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 245.501 CHF = 9.1539 GTQ
Q 52'675.89You 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 = 9.2234 GTQ Updates every 60 minutes.

How to send money from Switzerland to Guatemala

Pick a company

Start with the cheapest, which is Regency FX at 55,190.78 GTQ 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.

Fund your transfer

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.

Verify and send

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.

Ways to send money from Switzerland to Guatemala

4 companies send money from Switzerland to Guatemala, across app, broker, online, multi-currency account, and global account, and more.

For one-off transfers

Online transfers

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

With Xe, 6,000 CHF gets your recipient 54,588.6 GTQ.

The fee is 0 CHF, with a 1.37% on top of CHF/GTQ rate.

For spending and receiving

Multi-currency accounts

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

Revolut converts CHF 6,000 with a 0.76% exchange-rate markup and lets you hold CHF and GTQ in one account.

For regular transfers

Money transfer apps

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

Xe charges fr.0 on a fr.6,000 transfer, and the money lands minutes - 24 hours.

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

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

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 Guatemala or moving your wealth, a broker like Regency FX charges no fee and works on a margin instead (0.27% on CHF/GTQ).

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

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

For companies paying across borders

Global accounts

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

A global account lets you hold GTQ 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 GTQ in Guatemala

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 55,190.78 GTQ.

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 Guatemala.

In Guatemala, they can get GTQ delivered as bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay fr.6,000.00

    Q55,191

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay fr.6,000.00

    Q54,261

    -Q930

  3. 3
    Credit card Bank deposit

    You pay fr.6,000.00

    Q54,261

    -Q930

Things to know before sending CHF to Serbia

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/RSD transfer options

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

Cheapest way to send money to Guatemala

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 55,190.78 GTQ, which is 1.09% more than the next best option.

Fastest way to send money to Guatemala

The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 55,190.78 GTQ in minutes - 24 hours.

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

Swiss banks can make SEPA payments in euros, but CHF transfer to a GTQ 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.

Live CHF-GTQ Exchange Rate

Compare the CHF to GTQ exchange rate

The rate you secure determines how much GTQ arrives for your CHF. The weekly average is a simple benchmark for comparing today's offers.

Mid-market rate:1 CHF = 9.223366 GTQ

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 4 of them sending CHF to Guatemala, 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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