Best companies for CHF/EUR transfers
4 of 4 providers Last updated on 28 October 2026
Based on 6,000 CHF transfer Best companies for CHF/EUR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee CHF 14.98 1 CHF = 1.0828 EUR 0.00% vs mid-market	Recipient gets €6,480.82 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Monaco with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 14.981 CHF = 1.0828 EUR €6,480.82You payCHF 6'000.00
Promoted Xe Pay via Bank transfer	Fee CHF 0.00 1 CHF = 1.0787 EUR +0.38% vs mid-market	Recipient gets €6,472.20 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Monaco with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0787 EUR €6,472.20You payCHF 6'000.00
Run a live search Showing top Switzerland to Monaco deals for 6,000 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 Monaco.
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.
Wise Pay via Bank transfer	Fee CHF 14.98 1 CHF = 1.0828 EUR 0.00% vs mid-market	Recipient gets €6,480.82 Within minutes
25 reviews CheapestRecommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Monaco with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 14.981 CHF = 1.0828 EUR €6,480.82You payCHF 6'000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee CHF 0.00 1 CHF = 1.0799 EUR +0.27% vs mid-market	Recipient gets €6,479.39 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Monaco with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0799 EUR €6,479.39You payCHF 6'000.00
Xe Pay via Bank transfer	Fee CHF 0.00 1 CHF = 1.0787 EUR +0.38% vs mid-market	Recipient gets €6,472.20 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Monaco with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 1.0787 EUR €6,472.20You payCHF 6'000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee CHF 47.50 1 CHF = 1.0820 EUR +0.08% vs mid-market	Recipient gets €6,440.56 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Monaco with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 47.501 CHF = 1.0820 EUR €6,440.56You 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.
Xe Pay via Debit card	Fee CHF 36.00 1 CHF = 1.0789 EUR +0.36% vs mid-market	Recipient gets €6,434.56 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Monaco with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 36.001 CHF = 1.0789 EUR €6,434.56You payCHF 6'000.00

Xe Pay via Credit card	Fee CHF 36.00 1 CHF = 1.0789 EUR +0.36% vs mid-market	Recipient gets €6,434.56 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Monaco with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 36.001 CHF = 1.0789 EUR €6,434.56You payCHF 6'000.00
How Our Results Work Mid-market rate: 1 CHF = 1.0828 EUR Updates every 60 minutes.

Why compare

CHF/EUR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Switzerland to Monaco

Pick a company

Start with the cheapest, which is Wise at 6,480.82 EUR for a CHF 6,000 transfer.

Wise was the cheapest on 26 of the 29 days it quoted fr.6,000 transfers to Monaco.

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 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 Monaco?

How much CHF you send to Monaco 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 Wise was the cheapest in 92% of the transfers from CHF 6,000 it quoted, and in 76% of all the transfers it quoted.


CHF 1'000	0.08%	CHF 0.00	€1,082.02with bank transfer to bank deposit	+€14.76
CHF 5'000	0.00%	CHF 12.68	€5,398.97with bank transfer to bank deposit	+€41.47
CHF 6'000This page	0.00%	CHF 14.98	€6,480.82with bank transfer to bank deposit	+€23.80
CHF 25'000	0.00%	CHF 54.41	€27,004.60with bank transfer to bank deposit	+€111.07

Mid-market rate: 1 CHF = 1.0828 EUR

CHF/EUR Exchange Rate History

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

The cheapest way to send CHF to EUR 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 Wise), across 30 days of comparisons for 6,000 CHF transfers to Monaco.

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 EUR 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 EUR on every transfer from Switzerland.

Right now, Wise pays 6,480.82 EUR on 6,000 CHF, which is 16.11 EUR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 6,498.77 EUR.

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 Monaco.

We've tracked 106 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

WiseAppeared in 105 comparisons
Cheapest in 76% of them
Regency FXAppeared in 72 comparisons
Cheapest in 8% of them
XeAppeared in 99 comparisons
Never the cheapest

Based on 106 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 Wise is the cheapest and gets you the most EUR, and it was also the cheapest in 76% of the 105 comparisons it appeared in over the past month.

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

Regency FX (today's second cheapest) was the cheapest in only 8% of its comparisons, so it's rarely the cheapest option for transfers to Monaco.

Ways to send money from Switzerland to Monaco

4 companies send money from Switzerland to Monaco, across app, online, multi-currency account, global account, and broker, and more.

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, 6,000 CHF gets your recipient 6,480.82 EUR.

The fee is 14.98 CHF, with a 0% markup on top of the CHF/EUR rate.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 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 EUR (be it payments or travelling).

Wise converts CHF 6,000 with a 0% exchange-rate markup and lets you hold CHF and EUR 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.

Wise charges fr.14.98 on a fr.6,000 transfer, and the money lands within an hour.

Over the past month, Wise was the cheapest app on 100% of the days it appeared for fr.6,000 transfers.

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

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 Monaco or moving your wealth, a broker like Regency FX charges no fee and works on a margin instead (0.27% on CHF/EUR).

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

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from CHF 6,000 it quoted.

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

For companies paying across borders

Global accounts

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

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 Monaco

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 6,480.82 EUR.

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 Monaco.

In Monaco, they can get EUR delivered as bank deposit.

1

Bank transfer Bank deposit

You pay fr.6,000.00

€6,481

Cheapest
2

Debit card Bank deposit

You pay fr.6,000.00

€6,435

-€46
3

Credit card Bank deposit

You pay fr.6,000.00

€6,435

-€46

Things to know before sending CHF to Monaco

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/EUR transfer options

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

Cheapest way to send money to Monaco

The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,480.82 EUR, which is 0.02% more than the next best option.

Fastest way to send money to Monaco

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 6,440.56 EUR 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 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

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 4 of them sending CHF to Monaco, 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 106 comparisons across 4 amounts.

This page covers the cheapest and fastest options for CHF/EUR 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

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Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0572	–	€6,343.28
Wise Cheapest	1.0573	CHF 14.98	€6,328.02	−€15.26
Regency FX	1.0544	CHF 0.00	€6,326.16	−€17.12
Xe	1.0535	CHF 0.00	€6,321.00	−€22.28

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0572	–	€6,343.42
Wise Cheapest	1.0572	CHF 14.98	€6,327.30	−€16.12
Regency FX	1.0544	CHF 0.00	€6,326.29	−€17.13
Xe	1.0533	CHF 0.00	€6,319.80	−€23.62

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0597	–	€6,358.03
Regency FX Cheapest	1.0568	CHF 0.00	€6,340.87	−€17.16
Wise	1.0590	CHF 14.98	€6,338.38	−€19.65
Xe	1.0550	CHF 0.00	€6,330.00	−€28.03

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0733	–	€6,439.53
Wise Cheapest	1.0731	CHF 14.98	€6,422.41	−€17.12
Regency FX	1.0704	CHF 0.00	€6,422.14	−€17.39
Xe	1.0689	CHF 0.00	€6,413.40	−€26.13

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0722	–	€6,433.06
Wise Cheapest	1.0721	CHF 14.98	€6,416.54	−€16.52
Regency FX	1.0693	CHF 0.00	€6,415.69	−€17.37
Xe	1.0593	CHF 0.00	€6,355.80	−€77.26

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0770	–	€6,462.07
Wise Cheapest	1.0771	CHF 14.98	€6,446.58	−€15.49
Regency FX	1.0741	CHF 0.00	€6,444.62	−€17.45
Xe	1.0729	CHF 0.00	€6,437.40	−€24.67

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0701	–	€6,420.52
Wise Cheapest	1.0701	CHF 14.98	€6,404.51	−€16.01
Regency FX	1.0672	CHF 0.00	€6,403.18	−€17.34
Xe	1.0658	CHF 0.00	€6,394.80	−€25.72

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0716	–	€6,429.52
Wise Cheapest	1.0716	CHF 14.98	€6,413.43	−€16.09
Regency FX	1.0687	CHF 0.00	€6,412.16	−€17.36
Xe	1.0682	CHF 0.00	€6,409.20	−€20.32

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0722	–	€6,432.92
Wise Cheapest	1.0722	CHF 14.98	€6,416.90	−€16.02
Regency FX	1.0693	CHF 0.00	€6,415.56	−€17.36
Xe	1.0668	CHF 0.00	€6,400.80	−€32.12

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0726	–	€6,435.32
Wise Cheapest	1.0725	CHF 14.98	€6,418.93	−€16.39
Regency FX	1.0697	CHF 0.00	€6,417.94	−€17.38
Xe	1.0683	CHF 0.00	€6,409.80	−€25.52

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0757	–	€6,454.45
Regency FX Cheapest	1.0728	CHF 0.00	€6,437.02	−€17.43
Wise	1.0754	CHF 14.98	€6,436.17	−€18.28
Xe	1.0586	CHF 0.00	€6,351.60	−€102.85

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0731	–	€6,438.83
Wise Cheapest	1.0732	CHF 14.98	€6,423.06	−€15.77
Regency FX	1.0702	CHF 0.00	€6,421.44	−€17.39
Xe	1.0696	CHF 0.00	€6,417.60	−€21.23

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0735	–	€6,440.81
Wise Cheapest	1.0735	CHF 14.98	€6,425.16	−€15.65
Regency FX	1.0706	CHF 0.00	€6,423.42	−€17.39
Xe	1.0698	CHF 0.00	€6,418.80	−€22.01

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0725	–	€6,434.81
Wise Cheapest	1.0726	CHF 14.98	€6,419.29	−€15.52
Regency FX	1.0696	CHF 0.00	€6,417.44	−€17.37
Xe	1.0687	CHF 0.00	€6,412.20	−€22.61

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0763	–	€6,458.04
Wise Cheapest	1.0764	CHF 14.98	€6,442.46	−€15.58
Regency FX	1.0734	CHF 0.00	€6,440.60	−€17.44
Xe	1.0718	CHF 0.00	€6,430.80	−€27.24

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0785	–	€6,471.07
Wise Cheapest	1.0785	CHF 14.98	€6,454.96	−€16.11
Regency FX	1.0756	CHF 0.00	€6,453.59	−€17.48
Xe	1.0746	CHF 0.00	€6,447.60	−€23.47

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0775	–	€6,464.73
Wise Cheapest	1.0797	CHF 14.98	€6,462.27	−€2.46
Regency FX	1.0745	CHF 0.00	€6,447.28	−€17.45
Xe No quote collected this day	–	–	–	–

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0822	–	€6,492.91
Wise Cheapest	1.0820	CHF 14.98	€6,475.55	−€17.36
Regency FX	1.0792	CHF 0.00	€6,475.38	−€17.53
Xe	1.0784	CHF 0.00	€6,470.40	−€22.51

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0789	–	€6,473.29
Wise Cheapest	1.0790	CHF 14.98	€6,458.08	−€15.21
Regency FX	1.0760	CHF 0.00	€6,455.81	−€17.48
Xe	1.0755	CHF 0.00	€6,453.00	−€20.29

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0810	–	€6,486.09
Wise Cheapest	1.0813	CHF 14.98	€6,471.36	−€14.73
Regency FX	1.0781	CHF 0.00	€6,468.58	−€17.51
Xe	1.0774	CHF 0.00	€6,464.40	−€21.69

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0858	–	€6,514.59
Wise Cheapest	1.0858	CHF 14.98	€6,498.77	−€15.82
Regency FX	1.0828	CHF 0.00	€6,497.00	−€17.59
Xe	1.0812	CHF 0.00	€6,487.20	−€27.39

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0857	–	€6,514.09
Regency FX Cheapest	1.0828	CHF 0.00	€6,496.50	−€17.59
Wise No quote collected this day	–	–	–	–
Xe No quote collected this day	–	–	–	–

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0819	–	€6,491.54
Wise Cheapest	1.0820	CHF 14.98	€6,475.91	−€15.63
Regency FX	1.0790	CHF 0.00	€6,474.01	−€17.53
Xe	1.0628	CHF 0.00	€6,376.80	−€114.74

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0799	–	€6,479.50
Wise Cheapest	1.0800	CHF 14.98	€6,463.64	−€15.86
Regency FX	1.0770	CHF 0.00	€6,462.00	−€17.50
Xe	1.0758	CHF 0.00	€6,454.80	−€24.70

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0822	–	€6,493.12
Wise Cheapest	1.0821	CHF 14.98	€6,476.27	−€16.85
Regency FX	1.0793	CHF 0.00	€6,475.59	−€17.53
Xe	1.0783	CHF 0.00	€6,469.80	−€23.32

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

Best companies for CHF/EUR transfers