How to send money to Kosovo from Switzerland with the best CHF-EUR rate

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 211.51 EUR, which is 0.17% 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 211.51 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.