Best companies for CHF/MKD transfers
2 of 2 providers Last updated on 28 October 2026
Based on 1,600 CHF transfer Best companies for CHF/MKD transfers Sort Cheapest
Run a live search Showing top Switzerland to Macedonia deals for 1,600 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 MKD rates.
Run a live search These companies offer multi-currency accounts for spending MKD. We suggest doing a live search based on how much CHF you're planning to spend in Macedonia.
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.
Western Union Pay via Debit card	Fee CHF 0.00 1 CHF = 66.0214 MKD +0.99% vs mid-market	Recipient gets MKD 105'634.24 Minutes - 2 days
8 reviews Cheapest Receive to bank account or cash pickup
Ways to receive money in North Macedonia with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CHF = 66.0214 MKD MKD 105'634.24You payCHF 1'600.00

Western Union Pay via Bank transfer	Fee CHF 0.00 1 CHF = 66.0214 MKD +0.99% vs mid-market	Recipient gets MKD 105'634.24 Minutes - 2 days
8 reviews Receive to bank account or cash pickup
Ways to receive money in North Macedonia with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CHF = 66.0214 MKD MKD 105'634.24You payCHF 1'600.00
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee CHF 19.50 1 CHF = 66.3584 MKD +0.48% vs mid-market	Recipient gets MKD 104'879.39 Within minutes
10 reviews FastestRecommended Multi-currency cardReceive to bank account
Ways to receive money in North Macedonia with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 19.501 CHF = 66.3584 MKD MKD 104'879.39You payCHF 1'600.00
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 = 66.6795 MKD Updates every 60 minutes.

Why compare

CHF/MKD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Switzerland to Macedonia

Pick a company

Start with the cheapest, which is Western Union at 105,634.24 MKD for a CHF 1,600 transfer.

Western Union was the cheapest on 30 of the 30 days it quoted fr.1,600 transfers to Macedonia.

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 2 ways to pay, including debit card and bank transfer.

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 Macedonia?

How much CHF you send to Macedonia 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 Western Union was the cheapest in 100% of the transfers from CHF 6,000 it quoted, and in 76% of all the transfers it quoted.


CHF 1'000	1.24%	CHF 0.00	MKD 65'870.40with debit card to bank deposit	+MKD 9.64
CHF 1'600This page	0.99%	CHF 0.00	MKD 105'634.24with debit card to bank deposit	+MKD 251.62
CHF 5'000	0.27%	CHF 0.00	MKD 332'373.12with bank transfer to bank deposit	+MKD 2'944.90
CHF 6'000	0.27%	CHF 0.00	MKD 399'047.05with bank transfer to bank deposit	+MKD 3'586.01
CHF 25'000	0.25%	CHF 0.00	MKD 1'660'694.08with bank transfer to bank deposit	+MKD 17'610.32

Mid-market rate: 1 CHF = 66.6795 MKD

CHF/MKD Exchange Rate History

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

The cheapest way to send CHF to MKD 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 Western Union), across 30 days of comparisons for 1,600 CHF transfers to Macedonia.

Each line shows what the recipient gets when you send CHF 1'600, after fees, as quoted by each company. The mid-market line shows what CHF 1'600 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 MKD per CHF than the mid-market rate can offer.

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

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of MKD on every transfer from Switzerland.

Right now, Western Union pays 105,634.24 MKD on 1,600 CHF, which is 1,052.89 MKD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 105,965.03 MKD.

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 Macedonia.

We've tracked 136 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

Western UnionAppeared in 75 comparisons
Cheapest in 76% of them
RevolutAppeared in 126 comparisons
Cheapest in 9% of them

Based on 136 comparisons across 5 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 Western Union is the cheapest and gets you the most MKD, and it was also the cheapest in 76% of the 75 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Macedonia.

Revolut (today's second cheapest) was the cheapest in only 9% of its comparisons, so it's rarely the cheapest option for transfers to Macedonia.

Ways to send money from Switzerland to Macedonia

2 companies send money from Switzerland to Macedonia, across app, online, in person, multi-currency account, and global account, and more.

For one-off transfers

Online transfers

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

With Western Union, 1,600 CHF gets your recipient 105,634.24 MKD.

The fee is 0 CHF, with a 0.99% markup on top of the CHF/MKD rate.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 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 MKD (be it payments or travelling).

Revolut converts CHF 1,600 with a 0.48% exchange-rate markup and lets you hold CHF and MKD in one account.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

For regular transfers

Money transfer apps

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

Western Union charges fr.0 on a fr.1,600 transfer, and the money lands minutes - 2 days.

Over the past month, Western Union was the cheapest app on 100% of the days it appeared for fr.1,600 transfers.

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

You can’t make deposits with TWINT, but instead you can use Apple Pay, Google Pay, debit card and bank transfer.

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/MKD rate.

For companies paying across borders

Global accounts

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

A global account lets you hold MKD 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 MKD in Macedonia

With Western Union, paying by debit card and receiving through bank deposit is the cheapest combination. Sending CHF 1,600 gives your recipient 105,634.24 MKD.

The transfer can be paid for by debit card and bank transfer.

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 Macedonia.

In Macedonia, they can get MKD delivered as bank deposit.

1

Debit card Bank deposit

You pay fr.1,600.00

ден105,634

Cheapest
2

Bank transfer Bank deposit

You pay fr.1,600.00

ден105,634

ден0

Things to know before sending CHF to Macedonia

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/MKD transfer options

For a CHF 1,600 transfer to Macedonia, these are the best options in our comparison.

Cheapest way to send money to Macedonia

The cheapest option is Western Union, funded by debit card with bank deposit for the payout. Your recipient gets 105,634.24 MKD, which is 0.71% more than the next best option.

Fastest way to send money to Macedonia

The fastest option is Revolut. Pay by debit card and choose bank deposit for the payout. Your recipient gets 104,879.39 MKD 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 MKD 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.

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 2 of them sending CHF to Macedonia, 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 136 comparisons across 5 amounts.

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

Send money from Switzerland

Send money to Macedonia

Send money from United States to Macedonia Send money from United Kingdom to Macedonia

Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	65.0588	–	MKD 104'094.10
Western Union Cheapest	64.5288	CHF 0.00	MKD 103'246.15	−MKD 847.95
Revolut	64.9131	CHF 19.50	MKD 102'595.16	−MKD 1'498.94

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	65.1621	–	MKD 104'259.40
Western Union Cheapest	64.5338	CHF 0.00	MKD 103'254.09	−MKD 1'005.31
Revolut	64.9812	CHF 19.50	MKD 102'702.74	−MKD 1'556.66

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	64.9620	–	MKD 103'939.18
Western Union Cheapest	64.4299	CHF 0.00	MKD 103'087.78	−MKD 851.40
Revolut	64.8046	CHF 19.50	MKD 102'423.68	−MKD 1'515.50

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.2988	–	MKD 106'078.00
Western Union Cheapest	65.0086	CHF 0.00	MKD 104'013.78	−MKD 2'064.22
Revolut	65.7935	CHF 19.50	MKD 103'986.65	−MKD 2'091.35

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.1574	–	MKD 105'851.91
Western Union Cheapest	65.2702	CHF 0.00	MKD 104'432.37	−MKD 1'419.54
Revolut	65.6613	CHF 35.50	MKD 102'727.09	−MKD 3'124.82

Sun, 4 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	65.8564	–	MKD 105'370.23
Western Union Cheapest	65.2702	CHF 0.00	MKD 104'432.37	−MKD 937.86
Revolut	65.6613	CHF 35.50	MKD 102'727.09	−MKD 2'643.14

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.3103	–	MKD 106'096.54
Western Union Cheapest	65.2702	CHF 0.00	MKD 104'432.37	−MKD 1'664.17
Revolut	65.6266	CHF 19.50	MKD 103'722.80	−MKD 2'373.74

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	65.9387	–	MKD 105'501.86
Western Union Cheapest	65.5757	CHF 0.00	MKD 104'921.12	−MKD 580.74
Revolut	65.9108	CHF 19.50	MKD 104'172.03	−MKD 1'329.83

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	65.6829	–	MKD 105'092.65
Western Union Cheapest	65.1304	CHF 0.00	MKD 104'208.60	−MKD 884.05
Revolut	65.3983	CHF 19.50	MKD 103'361.97	−MKD 1'730.68

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	65.9756	–	MKD 105'560.94
Western Union Cheapest	65.3365	CHF 0.00	MKD 104'538.39	−MKD 1'022.55
Revolut	65.7472	CHF 19.50	MKD 103'913.42	−MKD 1'647.52

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.0569	–	MKD 105'691.10
Western Union Cheapest	65.3672	CHF 0.00	MKD 104'587.53	−MKD 1'103.57
Revolut	65.8552	CHF 19.50	MKD 104'084.19	−MKD 1'606.91

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.2206	–	MKD 105'953.00
Western Union Cheapest	65.6052	CHF 0.00	MKD 104'968.25	−MKD 984.75
Revolut	65.9816	CHF 35.50	MKD 103'228.17	−MKD 2'724.83

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.1564	–	MKD 105'850.23
Western Union Cheapest	65.6052	CHF 0.00	MKD 104'968.25	−MKD 881.98
Revolut	66.0130	CHF 19.50	MKD 104'333.58	−MKD 1'516.65

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.2237	–	MKD 105'957.91
Western Union Cheapest	65.6579	CHF 0.00	MKD 105'052.65	−MKD 905.26
Revolut	65.8368	CHF 19.50	MKD 104'055.00	−MKD 1'902.91

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.0408	–	MKD 105'665.29
Western Union Cheapest	65.4206	CHF 0.00	MKD 104'673.00	−MKD 992.29
Revolut	65.8225	CHF 19.50	MKD 104'032.38	−MKD 1'632.91

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.2576	–	MKD 106'012.18
Western Union Cheapest	65.5455	CHF 0.00	MKD 104'872.76	−MKD 1'139.42
Revolut	66.0134	CHF 19.50	MKD 104'334.22	−MKD 1'677.96

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.4989	–	MKD 106'398.29
Western Union Cheapest	65.7153	CHF 0.00	MKD 105'144.51	−MKD 1'253.78
Revolut	66.2208	CHF 19.50	MKD 104'661.90	−MKD 1'736.39

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.3941	–	MKD 106'230.56
Western Union Cheapest	65.7397	CHF 0.00	MKD 105'183.60	−MKD 1'046.96
Revolut	66.1612	CHF 35.50	MKD 103'509.16	−MKD 2'721.40

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.5719	–	MKD 106'514.99
Western Union Cheapest	65.7397	CHF 0.00	MKD 105'183.60	−MKD 1'331.39
Revolut	66.2127	CHF 19.50	MKD 104'649.09	−MKD 1'865.90

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.6209	–	MKD 106'593.36
Western Union Cheapest	65.8793	CHF 0.00	MKD 105'406.81	−MKD 1'186.55
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.4639	–	MKD 106'342.27
Western Union Cheapest	65.8307	CHF 0.00	MKD 105'329.18	−MKD 1'013.09
Revolut	66.3270	CHF 19.50	MKD 104'829.89	−MKD 1'512.38

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.7900	–	MKD 106'864.07
Western Union Cheapest	65.7654	CHF 0.00	MKD 105'224.58	−MKD 1'639.49
Revolut	66.4504	CHF 19.50	MKD 105'024.82	−MKD 1'839.25

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.8283	–	MKD 106'925.33
Western Union Cheapest	66.1935	CHF 0.00	MKD 105'909.56	−MKD 1'015.77
Revolut	66.5117	CHF 19.50	MKD 105'121.80	−MKD 1'803.53

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.6450	–	MKD 106'631.97
Western Union Cheapest	66.2281	CHF 0.00	MKD 105'965.03	−MKD 666.94
Revolut	66.2660	CHF 35.50	MKD 103'673.17	−MKD 2'958.80

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	66.6149	–	MKD 106'583.76
Western Union Cheapest	66.2281	CHF 0.00	MKD 105'965.03	−MKD 618.73
Revolut	66.3814	CHF 19.50	MKD 104'915.73	−MKD 1'668.03

How to send money to Macedonia from Switzerland with the best CHF-MKD rate

Best companies for CHF/MKD transfers