The cheapest option overall is Western Union, giving your recipient 104,539.48 MKD when you send CHF 1,600.
Below we’ve compared 3 ways to send money from Switzerland to Macedonia.
| 3 of 3 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze CHF/MKD exchange rates from our comparisons. | |||
| Based on 1,600 CHF transfer Best companies for CHF/MKD transfersAll money transfer offers for CHF/MKD transfers, sorted by most MKD received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
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 = 65.3372 MKD +0.30% vs mid-market | Recipient gets MKD 104'539.48 Minutes - 2 days | |
Ways to receive money in North Macedonia with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CHF = 65.3372 MKD MKD 104'539.48You payCHF 1'600.00 | |||
| Western Union Pay via Bank transfer | Fee CHF 0.00 1 CHF = 65.3372 MKD +0.30% vs mid-market | Recipient gets MKD 104'539.48 Minutes - 2 days | |
Ways to receive money in North Macedonia with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CHF = 65.3372 MKD MKD 104'539.48You payCHF 1'600.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Debit card | Fee CHF 19.50 1 CHF = 65.2516 MKD +0.43% vs mid-market | Recipient gets MKD 103'130.20 Within minutes | |
Ways to receive money in North Macedonia with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 19.501 CHF = 65.2516 MKD MKD 103'130.20You 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. | |||
 Ria Money Transfer Pay via Bank transfer | Fee CHF 0.00 1 CHF = 63.5241 MKD +3.11% vs mid-market | Recipient gets MKD 101'638.59 Minutes - 24 hours | |
Ways to receive money in North Macedonia with Ria Money Transfer when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 63.5241 MKD MKD 101'638.59You payCHF 1'600.00 | |||
| Ria Money Transfer Pay via Mobile wallet | Fee CHF 0.00 1 CHF = 63.5241 MKD +3.11% vs mid-market | Recipient gets MKD 101'638.59 Minutes - 24 hours | |
Ways to receive money in North Macedonia with Ria Money Transfer when paying by mobile wallet. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 63.5241 MKD MKD 101'638.59You payCHF 1'600.00 | |||
| Ria Money Transfer Pay via Debit card | Fee CHF 3.00 1 CHF = 63.5241 MKD +3.11% vs mid-market | Recipient gets MKD 101'448.01 Minutes - 24 hours | |
Ways to receive money in North Macedonia with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 3.001 CHF = 63.5241 MKD MKD 101'448.01You payCHF 1'600.00 | |||
| Ria Money Transfer Pay via Credit card | Fee CHF 3.00 1 CHF = 63.5241 MKD +3.11% vs mid-market | Recipient gets MKD 101'448.01 Minutes - 24 hours | |
Ways to receive money in North Macedonia with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 3.001 CHF = 63.5241 MKD MKD 101'448.01You payCHF 1'600.00 | |||
| How Our Results Work Mid-market rate: 1 CHF = 65.533564 MKD Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Western Union at 104,539.48 MKD for CHF 1,600 transfer.
Sending the same money as an international transfer from your Swiss bank costs 1 to 3% in the rate before any fee.
You have 4 ways to pay, including debit card, bank transfer, mobile wallet, and credit card.
TWINT won't do this, it's for paying people and shops inside Switzerland.
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.
3 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 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 104,539.48 MKD.
The fee is 0 CHF, with a 0.3% on top of CHF/MKD rate.
For spending and receiving
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 0.43% exchange-rate markup and lets you hold CHF and MKD in one account.
For regular transfers
For the monthly transfer to family, money transfers 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.
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, bank transfer, mobile wallet, and credit card.
For large CHF transfers
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
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.
With Western Union, paying by debit card and receiving through bank deposit is the cheapest combination. Sending CHF 1,600 gives your recipient 104,539.48 MKD.
The transfer can be paid for by debit card, bank transfer, mobile wallet, 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 Macedonia.
In Macedonia, they can get MKD delivered as bank deposit.
You pay fr.1,600.00
ден104,539
Cheapest
You pay fr.1,600.00
ден104,539
ден0
You pay fr.1,600.00
ден101,639
-ден2,901
You pay fr.1,600.00
ден101,448
-ден3,091
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.
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 104,539.48 MKD, which is 1.35% 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 103,130.2 MKD in within minutes.
Swiss banks can make SEPA payments in euros, but CHF transfer to a 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.
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.
The rate you secure determines how much MKD arrives for your CHF. The weekly average is a simple benchmark for comparing today's offers.
Mid-market rate:1 CHF = 65.388952 MKD
Most pricing comes straight from the companies, and anything we collect by hand is marked in the table.
That covers 3 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.
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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