The cheapest option overall is Key Currency, giving your recipient 71,155.78 MAD when you send CHF 6,000.
Below we’ve compared 7 ways to send money from Switzerland to Morocco.
| 7 of 7 providers Last updated on 28 October 2026 | |||
| Based on 6,000 CHF transfer Best companies for CHF/MAD transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee CHF 113.20 1 CHF = 11.8719 MAD +0.14% vs mid-market | Recipient gets MAD 69'887.50 Same day | |
Ways to receive money in Morocco with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer CHF 113.201 CHF = 11.8719 MAD MAD 69'887.50You payCHF 6'000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee CHF 0.00 1 CHF = 11.7413 MAD +1.25% vs mid-market | Recipient gets MAD 70'447.80 Minutes - 24 hours | |
Ways to receive money in Morocco with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 11.7413 MAD MAD 70'447.80You payCHF 6'000.00 | |||
Run a live search Showing top Switzerland to Morocco 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 MAD rates. | |||
Run a live search These companies offer multi-currency accounts for spending MAD. We suggest doing a live search based on how much CHF you're planning to spend in Morocco. | |||
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. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee CHF 0.00 1 CHF = 11.8593 MAD +0.25% vs mid-market | Recipient gets MAD 71'155.78 Minutes - 3 days | |
Ways to receive money in Morocco with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 CHF = 11.8593 MAD MAD 71'155.78You payCHF 6'000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 11.8569 MAD +0.27% vs mid-market | Recipient gets MAD 71'141.52 Minutes - 24 hours | |
Ways to receive money in Morocco with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 11.8569 MAD MAD 71'141.52You payCHF 6'000.00 | |||
 OFX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 11.8296 MAD +0.50% vs mid-market | Recipient gets MAD 70'977.45 Minutes - 24 hours | |
Ways to receive money in Morocco with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 11.8296 MAD MAD 70'977.45You payCHF 6'000.00 | |||
| Xe Pay via Bank transfer | Fee CHF 0.00 1 CHF = 11.7413 MAD +1.25% vs mid-market | Recipient gets MAD 70'447.80 Minutes - 24 hours | |
Ways to receive money in Morocco with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 11.7413 MAD MAD 70'447.80You payCHF 6'000.00 | |||
 Moneycorp Pay via Bank transfer | Fee CHF 0.00 1 CHF = 11.7226 MAD +1.40% vs mid-market | Recipient gets MAD 70'335.44 Minutes - 2 days | |
Ways to receive money in Morocco with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 CHF = 11.7226 MAD MAD 70'335.44You payCHF 6'000.00 | |||
| Xe Pay via Debit card | Fee CHF 36.00 1 CHF = 11.7413 MAD +1.25% vs mid-market | Recipient gets MAD 70'025.11 Minutes - 24 hours | |
Ways to receive money in Morocco with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 36.001 CHF = 11.7413 MAD MAD 70'025.11You payCHF 6'000.00 | |||
| Xe Pay via Credit card | Fee CHF 36.00 1 CHF = 11.7413 MAD +1.25% vs mid-market | Recipient gets MAD 70'025.11 Minutes - 24 hours | |
Ways to receive money in Morocco with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours CHF 36.001 CHF = 11.7413 MAD MAD 70'025.11You payCHF 6'000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee CHF 56.50 1 CHF = 11.7731 MAD +0.98% vs mid-market | Recipient gets MAD 69'973.42 Same day | |
Ways to receive money in Morocco with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day CHF 56.501 CHF = 11.7731 MAD MAD 69'973.42You 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. | |||
| Wise Pay via Bank transfer | Fee CHF 113.20 1 CHF = 11.8719 MAD +0.14% vs mid-market | Recipient gets MAD 69'887.50 Same day | |
Ways to receive money in Morocco with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer CHF 113.201 CHF = 11.8719 MAD MAD 69'887.50You payCHF 6'000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee CHF 185.50 1 CHF = 11.7731 MAD +0.98% vs mid-market | Recipient gets MAD 68'454.69 Within minutes | |
Ways to receive money in Morocco with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 185.501 CHF = 11.7731 MAD MAD 68'454.69You 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. | |||
| How Our Results Work Mid-market rate: 1 CHF = 11.8890 MAD Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Key Currency at 71,155.78 MAD for a CHF 6,000 transfer.
Key Currency was the cheapest on 27 of the 28 days it quoted fr.6,000 transfers to Morocco.
Sending the same money as an international transfer from your Swiss bank costs 1 to 3% in the rate before any fee.
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.
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.
How much CHF you send to Morocco 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 Key Currency was the cheapest in 98% of the transfers from CHF 6,000 it quoted, and in 98% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| CHF 1'000 | 0.65% | CHF 0.00 | MAD 11'812.31with bank transfer to bank deposit | +MAD 226.82 | |
| CHF 5'000 | 0.27% | CHF 0.00 | MAD 59'254.99with bank transfer to bank deposit | +MAD 1'022.11 | |
| CHF 6'000This page | 0.25% | CHF 0.00 | MAD 71'155.78with bank transfer to bank deposit | +MAD 913.40 | |
| CHF 25'000 | 0.20% | CHF 0.00 | MAD 296'224.21with bank transfer to bank deposit | +MAD 3'537.05 |
Mid-market rate: 1 CHF = 11.8890 MAD
The cheapest way to send CHF to MAD 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 Key Currency), across 30 days of comparisons for 6,000 CHF transfers to Morocco.
Wed, 28 Oct 2026Mid-market rateMAD 71'334.12 Key Currency MAD 71'155.78Key CurrencyMAD 71'155.78Regency FXMAD 71'141.52OFXMAD 70'977.45
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.5641 | – | MAD 69'384.68 | |
| | 11.5352 | CHF 0.00 | MAD 69'211.22 | −MAD 173.46 |
| | 11.5329 | CHF 0.00 | MAD 69'197.34 | −MAD 187.34 |
| | 11.5063 | CHF 0.00 | MAD 69'037.75 | −MAD 346.93 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.6258 | – | MAD 69'754.78 | |
| | 11.5967 | CHF 0.00 | MAD 69'580.39 | −MAD 174.39 |
| | 11.5944 | CHF 0.00 | MAD 69'566.44 | −MAD 188.34 |
| | 11.5677 | CHF 0.00 | MAD 69'406.00 | −MAD 348.78 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.6485 | – | MAD 69'891.00 | |
| | 11.6194 | CHF 0.00 | MAD 69'716.27 | −MAD 174.73 |
| | 11.6170 | CHF 0.00 | MAD 69'702.29 | −MAD 188.71 |
| | 11.5903 | CHF 0.00 | MAD 69'541.54 | −MAD 349.46 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.8464 | – | MAD 71'078.44 | |
| | 11.8168 | CHF 0.00 | MAD 70'900.74 | −MAD 177.70 |
| | 11.8144 | CHF 0.00 | MAD 70'886.52 | −MAD 191.92 |
| | 11.7872 | CHF 0.00 | MAD 70'723.04 | −MAD 355.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.0014 | – | MAD 72'008.39 | |
| | 11.9714 | CHF 0.00 | MAD 71'828.37 | −MAD 180.02 |
| | 11.9690 | CHF 0.00 | MAD 71'813.97 | −MAD 194.42 |
| | 11.9414 | CHF 0.00 | MAD 71'648.35 | −MAD 360.04 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.9381 | – | MAD 71'628.65 | |
| | 11.9826 | CHF 113.20 | MAD 70'539.17 | −MAD 1'089.48 |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.9796 | – | MAD 71'877.40 | |
| | 11.9496 | CHF 0.00 | MAD 71'697.70 | −MAD 179.70 |
| | 11.9472 | CHF 0.00 | MAD 71'683.33 | −MAD 194.07 |
| | 11.9197 | CHF 0.00 | MAD 71'518.01 | −MAD 359.39 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.9737 | – | MAD 71'842.16 | |
| | 11.9438 | CHF 0.00 | MAD 71'662.55 | −MAD 179.61 |
| | 11.9414 | CHF 0.00 | MAD 71'648.18 | −MAD 193.98 |
| | 11.9138 | CHF 0.00 | MAD 71'482.95 | −MAD 359.21 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.9701 | – | MAD 71'820.74 | |
| | 11.9402 | CHF 0.00 | MAD 71'641.19 | −MAD 179.55 |
| | 11.9378 | CHF 0.00 | MAD 71'626.83 | −MAD 193.91 |
| | 11.9103 | CHF 0.00 | MAD 71'461.64 | −MAD 359.10 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.9616 | – | MAD 71'769.79 | |
| | 11.9317 | CHF 0.00 | MAD 71'590.37 | −MAD 179.42 |
| | 11.9293 | CHF 0.00 | MAD 71'576.01 | −MAD 193.78 |
| | 11.9018 | CHF 0.00 | MAD 71'410.94 | −MAD 358.85 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.9612 | – | MAD 71'767.46 | |
| | 11.9313 | CHF 0.00 | MAD 71'588.04 | −MAD 179.42 |
| | 11.9289 | CHF 0.00 | MAD 71'573.69 | −MAD 193.77 |
| | 11.9014 | CHF 0.00 | MAD 71'408.62 | −MAD 358.84 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.8524 | – | MAD 71'114.33 | |
| | 11.8228 | CHF 0.00 | MAD 70'936.55 | −MAD 177.78 |
| | 11.8204 | CHF 0.00 | MAD 70'922.33 | −MAD 192.00 |
| | 11.7931 | CHF 0.00 | MAD 70'758.76 | −MAD 355.57 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.8524 | – | MAD 71'114.33 | |
| | 11.8228 | CHF 0.00 | MAD 70'936.55 | −MAD 177.78 |
| | 11.8204 | CHF 0.00 | MAD 70'922.33 | −MAD 192.00 |
| | 11.7931 | CHF 0.00 | MAD 70'758.76 | −MAD 355.57 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.7990 | – | MAD 70'793.82 | |
| | 11.7695 | CHF 0.00 | MAD 70'616.84 | −MAD 176.98 |
| | 11.7671 | CHF 0.00 | MAD 70'602.68 | −MAD 191.14 |
| | 11.7400 | CHF 0.00 | MAD 70'439.85 | −MAD 353.97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.6305 | – | MAD 69'782.98 | |
| | 11.6014 | CHF 0.00 | MAD 69'608.52 | −MAD 174.46 |
| | 11.5991 | CHF 0.00 | MAD 69'594.57 | −MAD 188.41 |
| | 11.5723 | CHF 0.00 | MAD 69'434.07 | −MAD 348.91 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.6311 | – | MAD 69'786.87 | |
| | 11.6468 | CHF 0.00 | MAD 69'880.80 | +MAD 93.93 |
| | 11.6021 | CHF 0.00 | MAD 69'612.40 | −MAD 174.47 |
| | 11.5997 | CHF 0.00 | MAD 69'598.45 | −MAD 188.42 |
| | 11.5730 | CHF 0.00 | MAD 69'437.94 | −MAD 348.93 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.8154 | – | MAD 70'892.54 | |
| | 11.7859 | CHF 0.00 | MAD 70'715.31 | −MAD 177.23 |
| | 11.7835 | CHF 0.00 | MAD 70'701.13 | −MAD 191.41 |
| | 11.7563 | CHF 0.00 | MAD 70'538.08 | −MAD 354.46 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.8830 | – | MAD 71'297.90 | |
| | 11.8533 | CHF 0.00 | MAD 71'119.66 | −MAD 178.24 |
| | 11.8509 | CHF 0.00 | MAD 71'105.40 | −MAD 192.50 |
| | 11.8236 | CHF 0.00 | MAD 70'941.41 | −MAD 356.49 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.7802 | – | MAD 70'681.36 | |
| | 11.7508 | CHF 0.00 | MAD 70'504.66 | −MAD 176.70 |
| | 11.7484 | CHF 0.00 | MAD 70'490.52 | −MAD 190.84 |
| | 11.7213 | CHF 0.00 | MAD 70'327.96 | −MAD 353.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.7802 | – | MAD 70'681.36 | |
| | 11.7508 | CHF 0.00 | MAD 70'504.66 | −MAD 176.70 |
| | 11.7484 | CHF 0.00 | MAD 70'490.52 | −MAD 190.84 |
| | 11.7213 | CHF 0.00 | MAD 70'327.96 | −MAD 353.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.8254 | – | MAD 70'952.32 | |
| | 11.7958 | CHF 0.00 | MAD 70'774.94 | −MAD 177.38 |
| | 11.7935 | CHF 0.00 | MAD 70'760.74 | −MAD 191.58 |
| | 11.7663 | CHF 0.00 | MAD 70'597.55 | −MAD 354.77 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.8532 | – | MAD 71'119.50 | |
| | 11.8236 | CHF 0.00 | MAD 70'941.70 | −MAD 177.80 |
| | 11.8212 | CHF 0.00 | MAD 70'927.48 | −MAD 192.02 |
| | 11.7940 | CHF 0.00 | MAD 70'763.90 | −MAD 355.60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 11.7264 | CHF 0.00 | MAD 70'358.40 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.9788 | – | MAD 71'872.82 | |
| | 11.9489 | CHF 0.00 | MAD 71'693.14 | −MAD 179.68 |
| | 11.9465 | CHF 0.00 | MAD 71'678.77 | −MAD 194.05 |
| | 11.9189 | CHF 0.00 | MAD 71'513.46 | −MAD 359.36 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.9224 | – | MAD 71'534.26 | |
| | 11.8926 | CHF 0.00 | MAD 71'355.43 | −MAD 178.83 |
| | 11.8902 | CHF 0.00 | MAD 71'341.12 | −MAD 193.14 |
| | 11.8628 | CHF 0.00 | MAD 71'176.59 | −MAD 357.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.8965 | – | MAD 71'378.77 | |
| | 11.8667 | CHF 0.00 | MAD 71'200.33 | −MAD 178.44 |
| | 11.8643 | CHF 0.00 | MAD 71'186.05 | −MAD 192.72 |
| | 11.8370 | CHF 0.00 | MAD 71'021.88 | −MAD 356.89 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.8965 | – | MAD 71'378.77 | |
| | 11.8667 | CHF 0.00 | MAD 71'200.33 | −MAD 178.44 |
| | 11.8643 | CHF 0.00 | MAD 71'186.05 | −MAD 192.72 |
| | 11.8370 | CHF 0.00 | MAD 71'021.88 | −MAD 356.89 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.8650 | – | MAD 71'189.78 | |
| | 11.8353 | CHF 0.00 | MAD 71'011.81 | −MAD 177.97 |
| | 11.8329 | CHF 0.00 | MAD 70'997.57 | −MAD 192.21 |
| | 11.8056 | CHF 0.00 | MAD 70'833.84 | −MAD 355.94 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.8862 | – | MAD 71'316.96 | |
| | 11.8564 | CHF 0.00 | MAD 71'138.67 | −MAD 178.29 |
| | 11.8541 | CHF 0.00 | MAD 71'124.40 | −MAD 192.56 |
| | 11.8267 | CHF 0.00 | MAD 70'960.38 | −MAD 356.58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 11.8890 | – | MAD 71'334.12 | |
| | 11.8593 | CHF 0.00 | MAD 71'155.78 | −MAD 178.34 |
| | 11.8569 | CHF 0.00 | MAD 71'141.52 | −MAD 192.60 |
| | 11.8296 | CHF 0.00 | MAD 70'977.45 | −MAD 356.67 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 11.8890 | – | MAD 71'334.12 | |
|---|---|---|---|---|
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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 MAD per CHF than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
In the past month, a money transfer company beat the mid-market rate on 1 of the last 30 days.
Right now, Key Currency pays 71,155.78 MAD on 6,000 CHF, which is 178.34 MAD less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 71,828.37 MAD.
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.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Morocco.
We've tracked 106 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.
Cheapest every time
Cheapest in 30% of them
Cheapest in 26% of them
Based on 28 comparisons across 4 amounts over the last 7 days.
Cheapest in 98% of them
Cheapest in 20% of them
Cheapest in 27% of them
Based on 106 comparisons across 4 amounts over the last 30 days.
Cheapest in 99% of them
Cheapest in 16% of them
Cheapest in 26% of them
Based on 126 comparisons across 4 amounts over the last 90 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 Key Currency is the cheapest and gets you the most MAD, and it was also the cheapest in 98% of the 57 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Morocco.
Regency FX (today's second cheapest) was the cheapest in only 20% of its comparisons, so it's rarely the cheapest option for transfers to Morocco.
7 companies send money from Switzerland to Morocco, across broker, online, app, global account, and multi-currency account, and more.
For one-off transfers
Online services like Xe are usually cheaper than Swiss banks for one-off and medium-sized transfers.
With Xe, 6,000 CHF gets your recipient 70,447.8 MAD.
The fee is 0 CHF, with a 1.25% markup on top of the CHF/MAD rate.
In our comparisons over the past month, it was the cheapest online service on 15 of the 26 days it quoted.
For spending and receiving
A multi-currency account is useful if you earn in Swiss francs but spend money in MAD (be it payments or travelling).
Revolut converts CHF 6,000 with a 0.98% exchange-rate markup and lets you hold CHF and MAD in one account.
Over the past month, it came out cheapest among multi-currency accounts on 69% of days.
For regular transfers
For the monthly transfer to family, money transfer apps are the easiest to start with.
Xe charges fr.0 on a fr.6,000 transfer, and the money lands minutes - 24 hours.
Over the past month, Xe was the cheapest app on 85% of the days it appeared for fr.6,000 transfers.
You can also save recipients and create automated scheduled transfers to Morocco.
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
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 Morocco or moving your wealth, a broker like Key Currency charges no fee and works on a margin instead (0.25% on CHF/MAD).
I suggest , since the more MAD you send the better rate you get.
Our analysis shows Key Currency was the cheapest broker in 98% of the transfers from CHF 6,000 it quoted.
Brokers charge no fees, so settle with the one that gives you the best CHF/MAD rate.
For companies paying across borders
Converting every payment separately adds extra work for Swiss businesses with regular costs in Morocco.
A global account lets you hold MAD alongside CHF and pay from the balance.
Wise Business, WorldFirst and Airwallex offer multi-currency accounts with business payment tools.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 71,155.78 MAD.
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 Morocco.
In Morocco, they can get MAD delivered as bank deposit.
You pay fr.6,000.00
DH71,156
Cheapest
You pay fr.6,000.00
DH70,025
-DH1,131
You pay fr.6,000.00
DH70,025
-DH1,131
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 6,000 transfer to Morocco, these are the best options in our comparison.
Cheapest way to send money to Morocco
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 71,155.78 MAD, which is 0.02% more than the next best option.
Fastest way to send money to Morocco
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 69,973.42 MAD in same day.
Swiss banks can make SEPA payments in euros, but a CHF transfer to MAD 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.
Most pricing comes straight from the companies, and anything we collect by hand is marked in the table.
That covers 7 of them sending CHF to Morocco, 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/MAD 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.
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