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, 200 CHF gets your recipient 209.76 EUR.
The fee is 1.67 CHF, with a 0% on top of CHF/EUR rate.
How to send money to Kosovo from Switzerland with the best CHF-EUR rate
The cheapest option overall is Revolut, giving your recipient 210.1 EUR when you send CHF 200.
Below we’ve compared 4 ways to send money from Switzerland to Kosovo.
| 4 of 4 providers Last updated on 28 September 2026 | |||
| Based on 200 CHF transfer Best companies for CHF/EUR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee CHF 1.67 1 CHF = 1.0576 EUR -0.01% vs mid-market | Recipient gets €209.76 Within minutes | |
Ways to receive money in Kosovo with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 1.671 CHF = 1.0576 EUR €209.76You payCHF 200.00 | |||
Run a live search Showing top Switzerland to Kosovo deals for 200 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 Kosovo. | |||
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. | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee CHF 0.90 1 CHF = 1.0553 EUR +0.22% vs mid-market | Recipient gets €210.10 Within minutes | |
Ways to receive money in Kosovo with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 0.901 CHF = 1.0553 EUR €210.10You payCHF 200.00 | |||
| 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 1.67 1 CHF = 1.0576 EUR -0.01% vs mid-market | Recipient gets €209.76 Within minutes | |
Ways to receive money in Kosovo with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 1.671 CHF = 1.0576 EUR €209.76You payCHF 200.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee CHF 2.00 1 CHF = 1.0553 EUR +0.22% vs mid-market | Recipient gets €208.94 Within minutes | |
Ways to receive money in Kosovo with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 2.001 CHF = 1.0553 EUR €208.94You payCHF 200.00 | |||
| 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 Debit card | Fee CHF 3.82 1 CHF = 1.0576 EUR -0.01% vs mid-market | Recipient gets €207.49 Within minutes | |
Ways to receive money in Kosovo with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 3.821 CHF = 1.0576 EUR €207.49You payCHF 200.00 | |||
| Wise Pay via Credit card | Fee CHF 8.52 1 CHF = 1.0576 EUR -0.01% vs mid-market | Recipient gets €202.52 Within minutes | |
Ways to receive money in Kosovo with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 8.521 CHF = 1.0576 EUR €202.52You payCHF 200.00 | |||
 Ria Money Transfer Pay via Credit card | Fee CHF 4.99 1 CHF = 1.0201 EUR +3.61% vs mid-market | Recipient gets €198.93 Minutes - 24 hours | |
Ways to receive money in Kosovo with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 4.991 CHF = 1.0201 EUR €198.93You payCHF 200.00 Cash pickupMinutes - 24 hours CHF 4.991 CHF = 1.0201 EUR €198.93You payCHF 200.00 Mobile walletMinutes - 24 hours CHF 4.991 CHF = 1.0180 EUR €198.52You payCHF 200.00 | |||
| Ria Money Transfer Pay via Debit card | Fee CHF 4.99 1 CHF = 1.0201 EUR +3.61% vs mid-market | Recipient gets €198.93 Minutes - 24 hours | |
Ways to receive money in Kosovo with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 4.991 CHF = 1.0201 EUR €198.93You payCHF 200.00 Cash pickupMinutes - 24 hours CHF 4.991 CHF = 1.0201 EUR €198.93You payCHF 200.00 Mobile walletMinutes - 24 hours CHF 4.991 CHF = 1.0180 EUR €198.52You payCHF 200.00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee CHF 8.00 1 CHF = 0.9941 EUR +6.00% vs mid-market | Recipient gets €190.87 Minutes - 3 days | |
Ways to receive money in Kosovo with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days CHF 8.001 CHF = 0.9941 EUR €190.87You payCHF 200.00 | |||
| How Our Results Work Mid-market rate: 1 CHF = 1.0576 EUR Updates every 60 minutes. | |||
Transfer details
How to send money from Switzerland to Kosovo
Pick a company
Start with the cheapest, which is Revolut at 210.1 EUR for CHF 200 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 debit card, bank transfer, 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.
How much CHF are you sending to Kosovo?
How much CHF you send to Kosovo 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 200This page | 0.22% | CHF 0.90 | €210.10with bank transfer to bank deposit | +€6.66 | |
| CHF 1'000 | 0.08% | CHF 1.50 | €1,055.69with bank transfer to bank deposit | +€20.26 | |
| CHF 6'000 | CHF 14.98 | €6,332.69with bank transfer to bank deposit | +€1,620.93 | ||
| CHF 25'000 | 0.01% | CHF 54.42 | €26,373.71with bank transfer to bank deposit | +€182.65 |
Mid-market rate: 1 CHF = 1.0576 EUR
Ways to send money from Switzerland to Kosovo
4 companies send money from Switzerland to Kosovo, across app, multi-currency account, global account, online, and in person, and more.
For spending and receiving
Multi-currency accounts
A multi-currency account is useful if you earn in Swiss francs but spend money in EUR (be it payments or travelling).
Revolut converts CHF 200 with a 0.22% exchange-rate markup and lets you hold CHF and EUR in one account.
For regular transfers
Money transfer apps
For the monthly transfer to family, money transfers apps are the easiest to start with.
Revolut charges fr.0.9 on a fr.200 transfer, and the money lands within minutes.
You can also save recipients and create automated scheduled transfers to Kosovo.
You can’t make deposits with TWINT, but instead you can use Apple Pay, Google Pay, debit card, bank transfer, 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.
I suggest getting a few quotes before settling. Check with your private bank, TorFX, RegencyFX, Currencies Direct, and Key Currency.
Brokers charge no fees, so settle with the one that gives you the best CHF/EUR rate.
When they need cash
In-person transfers
Send CHF 200 with Ria Money Transfer online or at an agent in Switzerland.
Your recipient can collect 198.93 EUR in Kosovo in minutes - 24 hours.
For companies paying across borders
Global accounts
Converting every payment separately adds extra work for Swiss businesses with regular costs in Kosovo.
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.
Ways to fund CHF and receive EUR in Kosovo
With Revolut, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 200 gives your recipient 210.1 EUR.
The transfer can be paid for by debit card, bank transfer, 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 Kosovo.
In Kosovo, they can get EUR delivered as bank deposit, cash pickup, and mobile wallet.
They can collect cash in Kosovo
The recipient should take a valid photo ID and the collection reference to a participating Ria Money Transfer agent in Kosovo.
- 1 Bank transfer Bank deposit
You pay fr.200.00
€210
Cheapest
- 2 Debit card Bank deposit
You pay fr.200.00
€209
-€1
- 3 Credit card Bank deposit
You pay fr.200.00
€203
-€8
- 4 Debit card Cash pickup
You pay fr.200.00
€199
-€11
- 5 Credit card Cash pickup
You pay fr.200.00
€199
-€11
Show moreShow less
- 6 Debit card Mobile wallet
You pay fr.200.00
€199
-€12
- 7 Credit card Mobile wallet
You pay fr.200.00
€199
-€12
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
Compare CHF/RSD transfer options
For a CHF 200 transfer to Kosovo, these are the best options in our comparison.
Cheapest way to send money to Kosovo
The cheapest option is Revolut, funded by bank transfer with bank deposit for the payout. Your recipient gets 210.1 EUR, which is 0.16% more than the next best option.
Fastest way to send money to Kosovo
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 210.1 EUR in within minutes.
Switzerland is in SEPA, but CHF is not a SEPA currency
Switzerland is in SEPA, but CHF is not a SEPA currency
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.
Gift tax depends on your canton
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
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.
Compare the CHF to EUR exchange rate
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 = 1.057063 EUR
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 Kosovo, 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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