How to send money to New Zealand from Switzerland with the best CHF-NZD rate

The cheapest option overall is Key Currency, giving your recipient 12’968.63 NZD when you send CHF 6’000.

Below we’ve compared 9 ways to send money from Switzerland to New Zealand.

Best companies for CHF/NZD transfers

9 of 9 providers

Last updated on 10 November 2026

Based on 6,000 CHF transfer

Best companies for CHF/NZD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee CHF 16.57 1 CHF = 2.1669 NZD 0.00% vs mid-market Recipient gets $ 12'965.79 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in New Zealand with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
CHF 16.571 CHF = 2.1669 NZD
$ 12'965.79You payCHF 6'000.00
Promoted

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 2.1595 NZD +0.34% vs mid-market Recipient gets $ 12'957.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in New Zealand with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 2.1595 NZD
$ 12'957.00You payCHF 6'000.00

Run a live search

Showing top Switzerland to New Zealand deals for 6,000 CHF. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 2.1614 NZD +0.25% vs mid-market Recipient gets $ 12'968.63 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

Ways to receive money in New Zealand with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 CHF = 2.1614 NZD
$ 12'968.63You payCHF 6'000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 2.1610 NZD +0.27% vs mid-market Recipient gets $ 12'966.03 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in New Zealand with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 2.1610 NZD
$ 12'966.03You payCHF 6'000.00

Wise

Pay via Bank transfer
Fee CHF 16.57 1 CHF = 2.1669 NZD 0.00% vs mid-market Recipient gets $ 12'965.79 Same day
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in New Zealand with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
CHF 16.571 CHF = 2.1669 NZD
$ 12'965.79You payCHF 6'000.00

TorFx

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 2.1604 NZD +0.30% vs mid-market Recipient gets $ 12'962.13 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in New Zealand with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 2.1604 NZD
$ 12'962.13You payCHF 6'000.00

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 2.1595 NZD +0.34% vs mid-market Recipient gets $ 12'957.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in New Zealand with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 2.1595 NZD
$ 12'957.00You payCHF 6'000.00

OFX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 2.1560 NZD +0.50% vs mid-market Recipient gets $ 12'936.12 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in New Zealand with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 2.1560 NZD
$ 12'936.12You payCHF 6'000.00

Currencies Direct

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 2.1534 NZD +0.62% vs mid-market Recipient gets $ 12'920.40 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

Ways to receive money in New Zealand with Currencies Direct when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 2.1534 NZD
$ 12'920.40You payCHF 6'000.00

Xe

Pay via Debit card
Fee CHF 36.00 1 CHF = 2.1595 NZD +0.34% vs mid-market Recipient gets $ 12'879.26 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in New Zealand with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 2.1595 NZD
$ 12'879.26You payCHF 6'000.00

Xe

Pay via Credit card
Fee CHF 36.00 1 CHF = 2.1595 NZD +0.34% vs mid-market Recipient gets $ 12'879.26 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in New Zealand with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 2.1595 NZD
$ 12'879.26You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee CHF 56.50 1 CHF = 2.1658 NZD +0.05% vs mid-market Recipient gets $ 12'872.44 Within 3 hours
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in New Zealand with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin 3 hours
CHF 56.501 CHF = 2.1658 NZD
$ 12'872.44You 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.

Moneycorp

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 2.1365 NZD +1.40% vs mid-market Recipient gets $ 12'819.11 Minutes - 2 days

Ways to receive money in New Zealand with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 CHF = 2.1365 NZD
$ 12'819.11You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee CHF 185.50 1 CHF = 2.1658 NZD +0.05% vs mid-market Recipient gets $ 12'593.05 Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in New Zealand with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 185.501 CHF = 2.1658 NZD
$ 12'593.05You 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 = 2.1669 NZD Updates every 60 minutes.

How to send money from Switzerland to New Zealand

Pick a company

Start with the cheapest, which is Key Currency at 12’968.63 NZD for a CHF 6’000 transfer.

Key Currency was the cheapest on 23 of the 28 days it quoted fr.6’000 transfers to New Zealand.

Sending the same money as an international transfer from your Swiss bank usually adds a margin to the rate on top of 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 New Zealand?

How much CHF you send to New Zealand 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 81% of the transfers from CHF 6,000 it quoted, and in 81% of all the transfers it quoted.

Cheapest service
CHF 1'0000.02%CHF 1.50$ 2'162.99with bank transfer to bank deposit+$ 30.23
CHF 5'0000.27%CHF 0.00$ 10'799.84with bank transfer to bank deposit+$ 79.19
CHF 6'000This page0.25%CHF 0.00$ 12'968.63with bank transfer to bank deposit+$ 75.36
CHF 25'0000.20%CHF 0.00$ 54'031.30with bank transfer to bank deposit+$ 310.92

Mid-market rate: 1 CHF = 2.1669 NZD

CHF/NZD Exchange Rate History

Is today a good time to send money from Switzerland to New Zealand?

The cheapest way to send CHF to NZD 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 New Zealand.

NZD received for CHF 6'000, after fees

Tue, 10 Nov 2026Mid-market rate$ 13'001.13 Key Currency $ 12'968.63Key Currency$ 12'968.63Regency FX$ 12'966.03Wise$ 12'965.79

12'600
12'700
12'800
12'900
13'000
13'100
13'200
13'300
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXWise
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1453 – $ 12'871.96
Key Currency Cheapest 2.1400 CHF 0.00 $ 12'839.78 −$ 32.18
Regency FX 2.1395 CHF 0.00 $ 12'837.20 −$ 34.76
Wise 2.1453 CHF 16.57 $ 12'836.07 −$ 35.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1412 – $ 12'847.00
Key Currency Cheapest 2.1358 CHF 0.00 $ 12'814.88 −$ 32.12
Regency FX 2.1354 CHF 0.00 $ 12'812.31 −$ 34.69
Wise 2.1413 CHF 16.57 $ 12'812.20 −$ 34.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1397 – $ 12'838.45
Key Currency Cheapest 2.1344 CHF 0.00 $ 12'806.35 −$ 32.10
Regency FX 2.1340 CHF 0.00 $ 12'803.78 −$ 34.67
Wise 2.1398 CHF 16.57 $ 12'803.58 −$ 34.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1517 – $ 12'910.25
Key Currency Cheapest 2.1463 CHF 0.00 $ 12'877.97 −$ 32.28
Regency FX 2.1459 CHF 0.00 $ 12'875.39 −$ 34.86
Wise 2.1516 CHF 16.57 $ 12'873.71 −$ 36.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1395 – $ 12'836.97
Key Currency Cheapest 2.1341 CHF 0.00 $ 12'804.88 −$ 32.09
Regency FX 2.1337 CHF 0.00 $ 12'802.31 −$ 34.66
Wise 2.1396 CHF 16.57 $ 12'801.91 −$ 35.06
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 2.1460 CHF 16.57 $ 12'840.38 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1397 – $ 12'838.25
Wise Cheapest 2.1460 CHF 16.57 $ 12'840.38 +$ 2.13
Key Currency 2.1344 CHF 0.00 $ 12'806.16 −$ 32.09
Regency FX 2.1339 CHF 0.00 $ 12'803.59 −$ 34.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1430 – $ 12'857.90
Key Currency Cheapest 2.1376 CHF 0.00 $ 12'825.76 −$ 32.14
Regency FX 2.1372 CHF 0.00 $ 12'823.19 −$ 34.71
Wise 2.1428 CHF 16.57 $ 12'821.35 −$ 36.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1320 – $ 12'792.11
Key Currency Cheapest 2.1267 CHF 0.00 $ 12'760.13 −$ 31.98
Regency FX 2.1263 CHF 0.00 $ 12'757.58 −$ 34.53
Wise 2.1318 CHF 16.57 $ 12'755.60 −$ 36.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1328 – $ 12'796.64
Key Currency Cheapest 2.1274 CHF 0.00 $ 12'764.65 −$ 31.99
Wise 2.1329 CHF 16.57 $ 12'762.24 −$ 34.40
Regency FX 2.1270 CHF 0.00 $ 12'762.09 −$ 34.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1444 – $ 12'866.29
Key Currency Cheapest 2.1390 CHF 0.00 $ 12'834.13 −$ 32.16
Wise 2.1447 CHF 16.57 $ 12'832.54 −$ 33.75
Regency FX 2.1386 CHF 0.00 $ 12'831.55 −$ 34.74
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 2.1376 CHF 16.57 $ 12'790.42 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1220 – $ 12'732.29
Wise Cheapest 2.1256 CHF 16.57 $ 12'718.38 −$ 13.91
Key Currency 2.1167 CHF 0.00 $ 12'700.46 −$ 31.83
Regency FX 2.1163 CHF 0.00 $ 12'697.91 −$ 34.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1220 – $ 12'732.29
Wise Cheapest 2.1256 CHF 16.57 $ 12'718.38 −$ 13.91
Key Currency 2.1167 CHF 0.00 $ 12'700.46 −$ 31.83
Regency FX 2.1163 CHF 0.00 $ 12'697.91 −$ 34.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1275 – $ 12'765.17
Key Currency Cheapest 2.1222 CHF 0.00 $ 12'733.26 −$ 31.91
Wise 2.1280 CHF 16.57 $ 12'732.74 −$ 32.43
Regency FX 2.1218 CHF 0.00 $ 12'730.70 −$ 34.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1224 – $ 12'734.34
Key Currency Cheapest 2.1171 CHF 0.00 $ 12'702.50 −$ 31.84
Wise 2.1226 CHF 16.57 $ 12'700.37 −$ 33.97
Regency FX 2.1167 CHF 0.00 $ 12'699.96 −$ 34.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1477 – $ 12'886.01
Key Currency Cheapest 2.1423 CHF 0.00 $ 12'853.79 −$ 32.22
Regency FX 2.1419 CHF 0.00 $ 12'851.22 −$ 34.79
Wise 2.1474 CHF 16.57 $ 12'849.00 −$ 37.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1485 – $ 12'891.20
Key Currency Cheapest 2.1432 CHF 0.00 $ 12'858.97 −$ 32.23
Regency FX 2.1427 CHF 0.00 $ 12'856.39 −$ 34.81
Wise 2.1484 CHF 16.57 $ 12'854.80 −$ 36.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1583 – $ 12'950.04
Key Currency Cheapest 2.1529 CHF 0.00 $ 12'917.66 −$ 32.38
Regency FX 2.1525 CHF 0.00 $ 12'915.07 −$ 34.97
Wise 2.1580 CHF 16.57 $ 12'912.06 −$ 37.98
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1513 – $ 12'907.81
Wise Cheapest 2.1526 CHF 16.57 $ 12'880.23 −$ 27.58
Key Currency 2.1459 CHF 0.00 $ 12'875.54 −$ 32.27
Regency FX 2.1455 CHF 0.00 $ 12'872.95 −$ 34.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1515 – $ 12'908.95
Wise Cheapest 2.1526 CHF 16.57 $ 12'880.23 −$ 28.72
Key Currency 2.1461 CHF 0.00 $ 12'876.68 −$ 32.27
Regency FX 2.1457 CHF 0.00 $ 12'874.10 −$ 34.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1625 – $ 12'975.10
Key Currency Cheapest 2.1571 CHF 0.00 $ 12'942.66 −$ 32.44
Regency FX 2.1567 CHF 0.00 $ 12'940.06 −$ 35.04
Wise 2.1623 CHF 16.57 $ 12'937.79 −$ 37.31
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1816 – $ 13'089.62
Key Currency Cheapest 2.1761 CHF 0.00 $ 13'056.89 −$ 32.73
Regency FX 2.1757 CHF 0.00 $ 13'054.28 −$ 35.34
Wise 2.1807 CHF 16.57 $ 13'048.07 −$ 41.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1782 – $ 13'069.31
Key Currency Cheapest 2.1728 CHF 0.00 $ 13'036.64 −$ 32.67
Regency FX 2.1723 CHF 0.00 $ 13'034.03 −$ 35.28
Wise 2.1782 CHF 16.57 $ 13'033.23 −$ 36.08
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1739 – $ 13'043.68
Key Currency Cheapest 2.1685 CHF 0.00 $ 13'011.07 −$ 32.61
Regency FX 2.1681 CHF 0.00 $ 13'008.46 −$ 35.22
Wise 2.1736 CHF 16.57 $ 13'005.40 −$ 38.28
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.2035 – $ 13'221.17
Key Currency Cheapest 2.1980 CHF 0.00 $ 13'188.12 −$ 33.05
Regency FX 2.1976 CHF 0.00 $ 13'185.48 −$ 35.69
Wise 2.2033 CHF 16.57 $ 13'183.11 −$ 38.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1976 – $ 13'185.89
Key Currency Cheapest 2.1922 CHF 0.00 $ 13'152.93 −$ 32.96
Regency FX 2.1917 CHF 0.00 $ 13'150.29 −$ 35.60
Wise 2.1971 CHF 16.57 $ 13'146.19 −$ 39.70
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.2043 – $ 13'226.06
Key Currency Cheapest 2.1988 CHF 0.00 $ 13'193.00 −$ 33.06
Regency FX 2.1984 CHF 0.00 $ 13'190.35 −$ 35.71
Wise 2.1971 CHF 16.57 $ 13'146.19 −$ 79.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1850 – $ 13'109.83
Key Currency Cheapest 2.1795 CHF 0.00 $ 13'077.05 −$ 32.78
Regency FX 2.1791 CHF 0.00 $ 13'074.43 −$ 35.40
Wise 2.1851 CHF 16.57 $ 13'074.15 −$ 35.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.1669 – $ 13'001.13
Key Currency Cheapest 2.1614 CHF 0.00 $ 12'968.63 −$ 32.50
Regency FX 2.1610 CHF 0.00 $ 12'966.03 −$ 35.10
Wise 2.1669 CHF 16.57 $ 12'965.79 −$ 35.34

Exchange rateFeeRecipient getsDifference

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 NZD 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 12’968.63 NZD on 6’000 CHF, which is 32.50 NZD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 13’193 NZD.

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 New Zealand.

We've tracked 119 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

  1. Key CurrencyAppeared in 58 comparisons

    Cheapest in 81% of them

  2. Regency FXAppeared in 81 comparisons

    Cheapest in 23% of them

  3. WiseAppeared in 115 comparisons

    Cheapest in 29% of them

Based on 119 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 Key Currency is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Regency FX (today's second cheapest) was the cheapest in only 23% of its comparisons, so it's rarely the cheapest option for transfers to New Zealand.

Ways to send money from Switzerland to New Zealand

9 companies send money from Switzerland to New Zealand, across currency broker, online, app, multi-currency account, and global business account, 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 12’965.79 NZD.

The fee is 16.57 CHF, with a 0% markup on top of the CHF/NZD 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 NZD (be it payments or travelling).

Wise converts CHF 6’000 with a 0% exchange-rate markup and lets you hold CHF and NZD 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.16.57 on a fr.6’000 transfer, and the money lands next day.

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 New Zealand.

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 New Zealand or moving your wealth, a broker like Key Currency charges no fee and works on a margin instead (0.25% on CHF/NZD).

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

Our analysis shows Key Currency 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/NZD rate.

For companies paying across borders

Global accounts

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

A global account lets you hold NZD 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 NZD in New Zealand

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6’000 gives your recipient 12’968.63 NZD.

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 New Zealand.

In New Zealand, they can get NZD delivered as bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay fr.6,000.00

    NZ$12,969

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay fr.6,000.00

    NZ$12,879

    -NZ$89

  3. 3
    Credit card Bank deposit

    You pay fr.6,000.00

    NZ$12,879

    -NZ$89

Things to know before sending CHF to New Zealand

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/NZD transfer options

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

Cheapest way to send money to New Zealand

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 12’968.63 NZD, which is 0.02% more than the next best option.

Fastest way to send money to New Zealand

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 12’872.44 NZD in same day.

Switzerland is in SEPA, but CHF is not a SEPA currency

Swiss banks can make SEPA payments in euros, but a CHF transfer to NZD requires a conversion.

Same goes for 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 Swiss government portal explains how gift tax works 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 9 of them sending CHF to New Zealand, 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 119 comparisons across 4 amounts.

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