How to send money to India from Switzerland with the best CHF-INR rate

The cheapest option overall is Xe, giving your recipient 685’192.80 INR when you send CHF 6’000.

Below we’ve compared 8 ways to send money from Switzerland to India.

Best companies for CHF/INR transfers

8 of 8 providers

Last updated on 10 November 2026

Based on 6,000 CHF transfer

Best companies for CHF/INR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee CHF 22.78 1 CHF = 114.3170 INR -0.09% vs mid-market Recipient gets ₹ 683'297.86 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
CHF 22.781 CHF = 114.3170 INR
₹ 683'297.86You payCHF 6'000.00
Promoted

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 114.1988 INR +0.01% vs mid-market Recipient gets ₹ 685'192.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 114.1988 INR
₹ 685'192.80You payCHF 6'000.00

Run a live search

Showing top Switzerland to India deals for 6,000 CHF. Do a live search with your exact amount for today's best rates.

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 114.1988 INR +0.01% vs mid-market Recipient gets ₹ 685'192.80 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 114.1988 INR
₹ 685'192.80You payCHF 6'000.00

Currencies Direct

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 114.0160 INR +0.17% vs mid-market Recipient gets ₹ 684'096.00 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

Ways to receive money in India with Currencies Direct when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 114.0160 INR
₹ 684'096.00You payCHF 6'000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 113.9009 INR +0.27% vs mid-market Recipient gets ₹ 683'405.59 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 113.9009 INR
₹ 683'405.59You payCHF 6'000.00

Wise

Pay via Bank transfer
Fee CHF 22.78 1 CHF = 114.3170 INR -0.09% vs mid-market Recipient gets ₹ 683'297.86 Within minutes
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
CHF 22.781 CHF = 114.3170 INR
₹ 683'297.86You payCHF 6'000.00

TorFx

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 113.8667 INR +0.30% vs mid-market Recipient gets ₹ 683'200.01 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in India with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 113.8667 INR
₹ 683'200.01You payCHF 6'000.00

OFX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 113.6383 INR +0.50% vs mid-market Recipient gets ₹ 681'829.50 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in India with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 113.6383 INR
₹ 681'829.50You payCHF 6'000.00

Xe

Pay via Debit card
Fee CHF 36.00 1 CHF = 114.1988 INR +0.01% vs mid-market Recipient gets ₹ 681'081.64 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 114.1988 INR
₹ 681'081.64You payCHF 6'000.00

Xe

Pay via Credit card
Fee CHF 36.00 1 CHF = 114.1988 INR +0.01% vs mid-market Recipient gets ₹ 681'081.64 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 114.1988 INR
₹ 681'081.64You payCHF 6'000.00

CurrencyFair

Pay via Bank transfer
Fee CHF 1.05 1 CHF = 113.3665 INR +0.74% vs mid-market Recipient gets ₹ 680'079.00 Minutes - 24 hours
Receive to bank account

Ways to receive money in India with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 1.051 CHF = 113.3665 INR
₹ 680'079.00You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee CHF 56.50 1 CHF = 114.0424 INR +0.15% vs mid-market Recipient gets ₹ 677'810.71 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 56.501 CHF = 114.0424 INR
₹ 677'810.71You 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 = 114.0424 INR +0.15% vs mid-market Recipient gets ₹ 663'099.25 Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 185.501 CHF = 114.0424 INR
₹ 663'099.25You 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 = 114.2093 INR Updates every 60 minutes.

How to send money from Switzerland to India

Pick a company

Start with the cheapest, which is Xe at 685’192.80 INR for a CHF 6’000 transfer.

Xe was the cheapest on 6 of the 27 days it quoted fr.6’000 transfers to India.

Sending the same money as an international transfer from your Swiss bank usually adds a margin to the rate on top of 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.

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 India?

How much CHF you send to India 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 Xe was the cheapest in 23% of the transfers from CHF 6,000 it quoted, and in 25% of all the transfers it quoted.

Cheapest service
CHF 1'000-0.19%CHF 0.00₹ 114'198.80with bank transfer to bank deposit+₹ 1'332.92
CHF 5'000-0.17%CHF 0.00₹ 570'994.00with bank transfer to bank deposit+₹ 5'201.69
CHF 6'000This page0.01%CHF 0.00₹ 685'192.80with bank transfer to bank deposit+₹ 4'813.35
CHF 25'000-0.16%CHF 0.00₹ 2'854'970.00with bank transfer to bank deposit+₹ 23'349.16

Mid-market rate: 1 CHF = 114.2093 INR

CHF/INR Exchange Rate History

Is today a good time to send money from Switzerland to India?

The cheapest way to send CHF to INR 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 Xe), across 30 days of comparisons for 6’000 CHF transfers to India.

INR received for CHF 6'000, after fees

Tue, 10 Nov 2026Mid-market rate₹ 685'255.78 Xe ₹ 685'192.80Xe₹ 685'192.80Currencies Direct₹ 684'096.00Regency FX₹ 683'405.59

675'000
680'000
685'000
690'000
695'000
700'000
At the mid-market rateWith the cheapest optionXeCurrencies DirectRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.0432 – ₹ 690'259.18
Regency FX Cheapest 114.7326 CHF 0.00 ₹ 688'395.48 −₹ 1'863.70
Xe 114.5637 CHF 0.00 ₹ 687'382.20 −₹ 2'876.98
Currencies Direct 114.5124 CHF 0.00 ₹ 687'074.40 −₹ 3'184.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 114.2290 – ₹ 685'374.13
Regency FX Cheapest 113.9206 CHF 0.00 ₹ 683'523.62 −₹ 1'850.51
Xe 113.8218 CHF 0.00 ₹ 682'930.80 −₹ 2'443.33
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 113.5407 – ₹ 681'243.97
Xe Cheapest 113.4261 CHF 0.00 ₹ 680'556.60 −₹ 687.37
Regency FX 113.2341 CHF 0.00 ₹ 679'404.61 −₹ 1'839.36
Currencies Direct 112.9237 CHF 0.00 ₹ 677'542.20 −₹ 3'701.77
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 114.3570 CHF 22.78 ₹ 683'536.95 –
Xe 113.9062 CHF 0.00 ₹ 683'437.20 –
Currencies Direct 113.7265 CHF 0.00 ₹ 682'359.00 –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.1589 – ₹ 690'953.49
Regency FX Cheapest 114.8480 CHF 0.00 ₹ 689'087.92 −₹ 1'865.57
Currencies Direct 114.5433 CHF 0.00 ₹ 687'259.80 −₹ 3'693.69
Xe 113.4863 CHF 0.00 ₹ 680'917.80 −₹ 10'035.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 114.9799 – ₹ 689'879.16
Wise Cheapest 115.3150 CHF 22.77 ₹ 689'264.28 −₹ 614.88
Regency FX 114.6694 CHF 0.00 ₹ 688'016.49 −₹ 1'862.67
Currencies Direct 114.6497 CHF 0.00 ₹ 687'898.20 −₹ 1'980.96
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 114.9799 – ₹ 689'879.16
Wise Cheapest 115.3150 CHF 22.77 ₹ 689'264.28 −₹ 614.88
Regency FX 114.6694 CHF 0.00 ₹ 688'016.49 −₹ 1'862.67
Currencies Direct 114.6497 CHF 0.00 ₹ 687'898.20 −₹ 1'980.96
Xe 114.5384 CHF 0.00 ₹ 687'230.40 −₹ 2'648.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.1523 – ₹ 690'913.57
Regency FX Cheapest 114.8414 CHF 0.00 ₹ 689'048.11 −₹ 1'865.46
Xe 114.5384 CHF 0.00 ₹ 687'230.40 −₹ 3'683.17
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 114.8521 – ₹ 689'112.79
Regency FX Cheapest 114.5420 CHF 0.00 ₹ 687'252.19 −₹ 1'860.60
Xe 114.5143 CHF 0.00 ₹ 687'085.80 −₹ 2'026.99
Currencies Direct 114.2607 CHF 0.00 ₹ 685'564.20 −₹ 3'548.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 114.7396 – ₹ 688'437.85
Regency FX Cheapest 114.4298 CHF 0.00 ₹ 686'579.07 −₹ 1'858.78
Currencies Direct 114.1473 CHF 0.00 ₹ 684'883.80 −₹ 3'554.05
Xe 113.9968 CHF 0.00 ₹ 683'980.80 −₹ 4'457.05
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.7577 – ₹ 694'546.22
Regency FX Cheapest 115.4452 CHF 0.00 ₹ 692'670.94 −₹ 1'875.28
Currencies Direct 115.1590 CHF 0.00 ₹ 690'954.00 −₹ 3'592.22
Xe 113.6815 CHF 0.00 ₹ 682'089.00 −₹ 12'457.22
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.3856 – ₹ 692'313.33
Regency FX Cheapest 115.0740 CHF 0.00 ₹ 690'444.08 −₹ 1'869.25
Currencies Direct 114.7940 CHF 0.00 ₹ 688'764.00 −₹ 3'549.33
Xe 114.4552 CHF 0.00 ₹ 686'731.20 −₹ 5'582.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.0746 – ₹ 690'447.83
Regency FX Cheapest 114.7639 CHF 0.00 ₹ 688'583.62 −₹ 1'864.21
Currencies Direct 114.4885 CHF 0.00 ₹ 686'931.00 −₹ 3'516.83
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.0746 – ₹ 690'447.83
Regency FX Cheapest 114.7639 CHF 0.00 ₹ 688'583.62 −₹ 1'864.21
Currencies Direct 114.4885 CHF 0.00 ₹ 686'931.00 −₹ 3'516.83
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.2429 – ₹ 691'457.60
Regency FX Cheapest 114.9318 CHF 0.00 ₹ 689'590.67 −₹ 1'866.93
Currencies Direct 114.6776 CHF 0.00 ₹ 688'065.60 −₹ 3'392.00
Xe 114.1663 CHF 0.00 ₹ 684'997.80 −₹ 6'459.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 114.8969 – ₹ 689'381.47
Regency FX Cheapest 114.5867 CHF 0.00 ₹ 687'520.14 −₹ 1'861.33
Xe 114.1013 CHF 0.00 ₹ 684'607.80 −₹ 4'773.67
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 114.5895 – ₹ 687'537.05
Regency FX Cheapest 114.2801 CHF 0.00 ₹ 685'680.70 −₹ 1'856.35
Xe 114.2015 CHF 0.00 ₹ 685'209.00 −₹ 2'328.05
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.0184 – ₹ 690'110.65
Regency FX Cheapest 114.7079 CHF 0.00 ₹ 688'247.35 −₹ 1'863.30
Currencies Direct 114.4448 CHF 0.00 ₹ 686'668.80 −₹ 3'441.85
Xe 114.1097 CHF 0.00 ₹ 684'658.20 −₹ 5'452.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.7751 – ₹ 694'650.34
Regency FX Cheapest 115.4625 CHF 0.00 ₹ 692'774.79 −₹ 1'875.55
Xe 114.3061 CHF 0.00 ₹ 685'836.60 −₹ 8'813.74
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.2116 – ₹ 691'269.52
Xe Cheapest 115.1805 CHF 0.00 ₹ 691'083.00 −₹ 186.52
Regency FX 114.9005 CHF 0.00 ₹ 689'403.09 −₹ 1'866.43
Currencies Direct 114.5642 CHF 0.00 ₹ 687'385.20 −₹ 3'884.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.2073 – ₹ 691'243.72
Xe Cheapest 115.1805 CHF 0.00 ₹ 691'083.00 −₹ 160.72
Regency FX 114.8962 CHF 0.00 ₹ 689'377.36 −₹ 1'866.36
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.5688 – ₹ 693'412.80
Regency FX Cheapest 115.2568 CHF 0.00 ₹ 691'540.59 −₹ 1'872.21
Xe 114.8170 CHF 0.00 ₹ 688'902.00 −₹ 4'510.80
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 115.8640 CHF 22.77 ₹ 692'545.78 –
Currencies Direct 115.2695 CHF 0.00 ₹ 691'617.00 –
Xe 114.7145 CHF 0.00 ₹ 688'287.00 –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.0718 – ₹ 696'430.61
Regency FX Cheapest 115.7584 CHF 0.00 ₹ 694'550.25 −₹ 1'880.36
Xe 114.9712 CHF 0.00 ₹ 689'827.20 −₹ 6'603.41
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.7081 – ₹ 694'248.57
Regency FX Cheapest 115.3957 CHF 0.00 ₹ 692'374.10 −₹ 1'874.47
Xe 115.1912 CHF 0.00 ₹ 691'147.20 −₹ 3'101.37
Currencies Direct 115.1272 CHF 0.00 ₹ 690'763.20 −₹ 3'485.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 114.7829 – ₹ 688'697.14
Xe Cheapest 114.8376 CHF 0.00 ₹ 689'025.60 +₹ 328.46
Regency FX 114.4729 CHF 0.00 ₹ 686'837.65 −₹ 1'859.49
Currencies Direct 114.2478 CHF 0.00 ₹ 685'486.80 −₹ 3'210.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 114.6263 – ₹ 687'757.53
Regency FX Cheapest 114.3168 CHF 0.00 ₹ 685'900.58 −₹ 1'856.95
Xe 114.2821 CHF 0.00 ₹ 685'692.60 −₹ 2'064.93
Currencies Direct 114.1991 CHF 0.00 ₹ 685'194.60 −₹ 2'562.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 114.5496 – ₹ 687'297.38
Xe Cheapest 114.2821 CHF 0.00 ₹ 685'692.60 −₹ 1'604.78
Regency FX 114.2403 CHF 0.00 ₹ 685'441.68 −₹ 1'855.70
Currencies Direct 114.1991 CHF 0.00 ₹ 685'194.60 −₹ 2'102.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 114.9520 – ₹ 689'712.19
Regency FX Cheapest 114.6417 CHF 0.00 ₹ 687'849.97 −₹ 1'862.22
Xe 113.8648 CHF 0.00 ₹ 683'188.80 −₹ 6'523.39
Currencies Direct No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 114.2093 – ₹ 685'255.78
Xe Cheapest 114.1988 CHF 0.00 ₹ 685'192.80 −₹ 62.98
Currencies Direct 114.0160 CHF 0.00 ₹ 684'096.00 −₹ 1'159.78
Regency FX 113.9009 CHF 0.00 ₹ 683'405.59 −₹ 1'850.19

Exchange rateFeeRecipient getsDifference

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 INR per CHF than the mid-market rate can offer.

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

In the past month, a money transfer company beat the mid-market rate on 1 of the last 30 days.

Right now, Xe pays 685’192.80 INR on 6’000 CHF, which is 62.98 INR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 694’550.25 INR.

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 India.

We've tracked 119 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

  1. XeAppeared in 114 comparisons

    Cheapest in 25% of them

  2. Currencies DirectAppeared in 106 comparisons

    Never the cheapest

  3. Regency FXAppeared in 85 comparisons

    Cheapest in 71% of them

Based on 119 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 Xe is the cheapest and gets you the most INR, but it was the cheapest in only 25% of the 114 comparisons it appeared in over the past month.

Currencies Direct (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to India.

If it's a one-off transfer, go with Xe, since it's the cheapest right now.

Ways to send money from Switzerland to India

8 companies send money from Switzerland to India, across currency broker, app, multi-currency account, online, and global business 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 685’192.80 INR.

The fee is 0 CHF, with a 0.01% markup on top of the CHF/INR rate.

In our comparisons over the past month, it was the cheapest online service on 8 of the 27 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 INR (be it payments or travelling).

Currencies Direct converts CHF 6’000 with a 0.17% exchange-rate markup and lets you hold CHF and INR in one account.

Over the past month, it came out cheapest among multi-currency accounts on 24% of days.

For regular transfers

Money transfer apps

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

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

Over the past month, Xe was the cheapest app on 30% of the days it appeared for fr.6’000 transfers.

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

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 India or moving your wealth, a broker like Xe charges no fee and works on a margin instead (0.01% on CHF/INR).

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

Our analysis shows Xe was the cheapest broker in 25% of the transfers from CHF 6,000 it quoted.

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

For companies paying across borders

Global accounts

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

A global account lets you hold INR 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 INR in India

With Xe, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6’000 gives your recipient 685’192.80 INR.

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 India.

In India, they can get INR delivered as bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay fr.6,000.00

    ₹685,193

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay fr.6,000.00

    ₹681,082

    -₹4,111

  3. 3
    Credit card Bank deposit

    You pay fr.6,000.00

    ₹681,082

    -₹4,111

Things to know before sending CHF to India

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/INR transfer options

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

Cheapest way to send money to India

The cheapest option is Xe, funded by bank transfer with bank deposit for the payout. Your recipient gets 685’192.80 INR, which is 0.16% more than the next best option.

Fastest way to send money to India

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 677’810.71 INR 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 INR requires a conversion.

Same goes for 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 Swiss government portal explains how gift tax works 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 8 of them sending CHF to India, 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 119 comparisons across 4 amounts.

This page covers the cheapest and fastest options for CHF/INR 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.