How to send money to Norway from Switzerland with the best CHF-NOK rate

The cheapest option overall is Key Currency, giving your recipient 67,281.37 NOK when you send CHF 6,000.

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

Best companies for CHF/NOK transfers

9 of 9 providers

Last updated on 28 October 2026

Based on 6,000 CHF transfer

Best companies for CHF/NOK transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee CHF 15.06 1 CHF = 11.2416 NOK 0.00% vs mid-market Recipient gets kr 67'280.30 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
CHF 15.061 CHF = 11.2416 NOK
kr 67'280.30You payCHF 6'000.00
Promoted

TorFx

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 11.2079 NOK +0.30% vs mid-market Recipient gets kr 67'247.65 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 11.2079 NOK
kr 67'247.65You payCHF 6'000.00

Run a live search

Showing top Switzerland to Norway 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 = 11.2136 NOK +0.25% vs mid-market Recipient gets kr 67'281.37 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 CHF = 11.2136 NOK
kr 67'281.37You payCHF 6'000.00

Wise

Pay via Bank transfer
Fee CHF 15.06 1 CHF = 11.2416 NOK 0.00% vs mid-market Recipient gets kr 67'280.30 Same day
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
CHF 15.061 CHF = 11.2416 NOK
kr 67'280.30You payCHF 6'000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 11.2113 NOK +0.27% vs mid-market Recipient gets kr 67'267.88 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 11.2113 NOK
kr 67'267.88You payCHF 6'000.00

TorFx

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 11.2079 NOK +0.30% vs mid-market Recipient gets kr 67'247.65 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 11.2079 NOK
kr 67'247.65You payCHF 6'000.00

OFX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 11.1855 NOK +0.50% vs mid-market Recipient gets kr 67'112.75 Minutes - 24 hours
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 11.1855 NOK
kr 67'112.75You payCHF 6'000.00

Currencies Direct

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 11.1670 NOK +0.67% vs mid-market Recipient gets kr 67'002.00 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 11.1670 NOK
kr 67'002.00You payCHF 6'000.00

CurrencyFair

Pay via Bank transfer
Fee CHF 2.22 1 CHF = 11.1620 NOK +0.71% vs mid-market Recipient gets kr 66'947.00 Minutes - 24 hours
Receive to bank account

Ways to receive money in Norway with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 2.221 CHF = 11.1620 NOK
kr 66'947.00You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee CHF 56.50 1 CHF = 11.2371 NOK +0.04% vs mid-market Recipient gets kr 66'787.63 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 56.501 CHF = 11.2371 NOK
kr 66'787.63You 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 = 11.0843 NOK +1.40% vs mid-market Recipient gets kr 66'505.70 Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 CHF = 11.0843 NOK
kr 66'505.70You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee CHF 89.50 1 CHF = 11.2371 NOK +0.04% vs mid-market Recipient gets kr 66'416.80 Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 89.501 CHF = 11.2371 NOK
kr 66'416.80You 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 = 11.2417 NOK Updates every 60 minutes.

How to send money from Switzerland to Norway

Pick a company

Start with the cheapest, which is Key Currency at 67,281.37 NOK for a CHF 6,000 transfer.

Key Currency was the cheapest on 15 of the 24 days it quoted fr.6,000 transfers to Norway.

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 bank transfer and debit 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 Norway?

How much CHF you send to Norway 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 76% of the transfers from CHF 6,000 it quoted, and in 76% of all the transfers it quoted.

Cheapest service
CHF 1'0000.05%CHF 1.60kr 11'221.26with bank transfer to bank deposit+kr 133.20
CHF 5'0000.01%CHF 12.86kr 56'043.48with bank transfer to bank deposit+kr 414.04
CHF 6'000This page0.25%CHF 0.00kr 67'281.37with bank transfer to bank deposit+kr 296.46
CHF 25'0000.20%CHF 0.00kr 280'280.77with bank transfer to bank deposit+kr 1'234.20

Mid-market rate: 1 CHF = 11.2417 NOK

CHF/NOK Exchange Rate History

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

The cheapest way to send CHF to NOK 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 Norway.

NOK received for CHF 6'000, after fees

Wed, 28 Oct 2026Mid-market ratekr 67'450.00 Key Currency kr 67'281.37Key Currencykr 67'281.37Wisekr 67'280.30Regency FXkr 67'267.88

67'000
67'500
68'000
68'500
69'000
69'500
70'000
At the mid-market rateWith the cheapest optionKey CurrencyWiseRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 11.5038 CHF 15.06 kr 68'849.55 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.5147 – kr 69'088.28
Key Currency Cheapest 11.4859 CHF 0.00 kr 68'915.56 −kr 172.72
Wise 11.5145 CHF 15.06 kr 68'913.59 −kr 174.69
Regency FX 11.4836 CHF 0.00 kr 68'901.74 −kr 186.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.5475 – kr 69'284.83
Key Currency Cheapest 11.5186 CHF 0.00 kr 69'111.61 −kr 173.22
Wise 11.5455 CHF 15.06 kr 69'099.12 −kr 185.71
Regency FX 11.5163 CHF 0.00 kr 69'097.76 −kr 187.07
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.6330 – kr 69'798.21
Key Currency Cheapest 11.6040 CHF 0.00 kr 69'623.71 −kr 174.50
Regency FX 11.6016 CHF 0.00 kr 69'609.75 −kr 188.46
Wise 11.6305 CHF 15.06 kr 69'607.84 −kr 190.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.6116 – kr 69'669.56
Key Currency Cheapest 11.5826 CHF 0.00 kr 69'495.38 −kr 174.18
Regency FX 11.5802 CHF 0.00 kr 69'481.45 −kr 188.11
Wise 11.6018 CHF 15.06 kr 69'436.08 −kr 233.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.5831 – kr 69'498.58
Wise Cheapest 11.6018 CHF 15.06 kr 69'436.08 −kr 62.50
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.6196 – kr 69'717.37
Key Currency Cheapest 11.5905 CHF 0.00 kr 69'543.08 −kr 174.29
Regency FX 11.5882 CHF 0.00 kr 69'529.14 −kr 188.23
Wise 11.6126 CHF 15.06 kr 69'500.71 −kr 216.66
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 11.5326 CHF 15.06 kr 69'021.92 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 11.4742 CHF 15.06 kr 68'672.40 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.4786 – kr 68'871.71
Key Currency Cheapest 11.4499 CHF 0.00 kr 68'699.53 −kr 172.18
Wise 11.4782 CHF 15.06 kr 68'696.34 −kr 175.37
Regency FX 11.4476 CHF 0.00 kr 68'685.75 −kr 185.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.5149 – kr 69'089.11
Key Currency Cheapest 11.4861 CHF 0.00 kr 68'916.39 −kr 172.72
Wise 11.5146 CHF 15.06 kr 68'914.19 −kr 174.92
Regency FX 11.4838 CHF 0.00 kr 68'902.57 −kr 186.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.5244 – kr 69'146.55
Key Currency Cheapest 11.4956 CHF 0.00 kr 68'973.68 −kr 172.87
Regency FX 11.4933 CHF 0.00 kr 68'959.85 −kr 186.70
Wise 11.5152 CHF 15.06 kr 68'917.78 −kr 228.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.5244 – kr 69'146.55
Key Currency Cheapest 11.4956 CHF 0.00 kr 68'973.68 −kr 172.87
Regency FX 11.4933 CHF 0.00 kr 68'959.85 −kr 186.70
Wise 11.5152 CHF 15.06 kr 68'917.78 −kr 228.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.5085 – kr 69'050.87
Wise Cheapest 11.5090 CHF 15.06 kr 68'880.67 −kr 170.20
Key Currency 11.4797 CHF 0.00 kr 68'878.25 −kr 172.62
Regency FX 11.4774 CHF 0.00 kr 68'864.44 −kr 186.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.4667 – kr 68'800.26
Wise Cheapest 11.4674 CHF 15.06 kr 68'631.70 −kr 168.56
Key Currency 11.4380 CHF 0.00 kr 68'628.26 −kr 172.00
Regency FX 11.4357 CHF 0.00 kr 68'614.50 −kr 185.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.3891 – kr 68'334.71
Wise Cheapest 11.3912 CHF 15.06 kr 68'175.65 −kr 159.06
Key Currency 11.3606 CHF 0.00 kr 68'163.88 −kr 170.83
Regency FX 11.3584 CHF 0.00 kr 68'150.21 −kr 184.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.4364 – kr 68'618.32
Key Currency 11.4078 CHF 0.00 kr 68'446.77 −kr 171.55
Wise Cheapest 11.4365 CHF 15.06 kr 68'446.77 −kr 171.55
Regency FX 11.4055 CHF 0.00 kr 68'433.05 −kr 185.27
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.4573 – kr 68'743.55
Wise Cheapest 11.4586 CHF 15.06 kr 68'579.03 −kr 164.52
Key Currency 11.4286 CHF 0.00 kr 68'571.70 −kr 171.85
Regency FX 11.4263 CHF 0.00 kr 68'557.95 −kr 185.60
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 11.4312 CHF 15.06 kr 68'415.05 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.4146 – kr 68'487.78
Wise Cheapest 11.4312 CHF 15.06 kr 68'415.05 −kr 72.73
Key Currency 11.3861 CHF 0.00 kr 68'316.56 −kr 171.22
Regency FX 11.3838 CHF 0.00 kr 68'302.86 −kr 184.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.4268 – kr 68'560.57
Key Currency Cheapest 11.3982 CHF 0.00 kr 68'389.16 −kr 171.41
Wise 11.4256 CHF 15.06 kr 68'381.53 −kr 179.04
Regency FX 11.3959 CHF 0.00 kr 68'375.45 −kr 185.12
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.3835 – kr 68'300.80
Key Currency Cheapest 11.3550 CHF 0.00 kr 68'130.04 −kr 170.76
Wise 11.3821 CHF 15.06 kr 68'121.19 −kr 179.61
Regency FX 11.3527 CHF 0.00 kr 68'116.38 −kr 184.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.3716 – kr 68'229.37
Wise Cheapest 11.3721 CHF 15.06 kr 68'061.34 −kr 168.03
Key Currency 11.3431 CHF 0.00 kr 68'058.80 −kr 170.57
Regency FX 11.3409 CHF 0.00 kr 68'045.15 −kr 184.22
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.4175 – kr 68'505.11
Wise Cheapest 11.4181 CHF 15.06 kr 68'336.64 −kr 168.47
Key Currency 11.3890 CHF 0.00 kr 68'333.85 −kr 171.26
Regency FX 11.3867 CHF 0.00 kr 68'320.15 −kr 184.96
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 11.3665 CHF 15.06 kr 68'027.82 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.3412 – kr 68'047.35
Key Currency Cheapest 11.3129 CHF 0.00 kr 67'877.23 −kr 170.12
Regency FX 11.3106 CHF 0.00 kr 67'863.62 −kr 183.73
Wise 11.3017 CHF 15.06 kr 67'640.00 −kr 407.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.3412 – kr 68'047.35
Key Currency Cheapest 11.3129 CHF 0.00 kr 67'877.23 −kr 170.12
Regency FX 11.3106 CHF 0.00 kr 67'863.62 −kr 183.73
Wise 11.3017 CHF 15.06 kr 67'640.00 −kr 407.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.3089 – kr 67'853.38
Wise Cheapest 11.3111 CHF 15.06 kr 67'696.25 −kr 157.13
Key Currency 11.2806 CHF 0.00 kr 67'683.75 −kr 169.63
Regency FX 11.2784 CHF 0.00 kr 67'670.18 −kr 183.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.2362 – kr 67'417.49
Key Currency Cheapest 11.2082 CHF 0.00 kr 67'248.95 −kr 168.54
Wise 11.2354 CHF 15.06 kr 67'243.19 −kr 174.30
Regency FX 11.2059 CHF 0.00 kr 67'235.47 −kr 182.02
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.2417 – kr 67'450.00
Key Currency Cheapest 11.2136 CHF 0.00 kr 67'281.37 −kr 168.63
Wise 11.2416 CHF 15.06 kr 67'280.30 −kr 169.70
Regency FX 11.2113 CHF 0.00 kr 67'267.88 −kr 182.12

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 NOK 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 NOK on every transfer from Switzerland.

Right now, Key Currency pays 67,281.37 NOK on 6,000 CHF, which is 168.63 NOK less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 69,623.71 NOK.

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 Norway.

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

  1. Key CurrencyAppeared in 54 comparisons

    Cheapest in 76% of them

  2. WiseAppeared in 104 comparisons

    Cheapest in 40% of them

  3. Regency FXAppeared in 68 comparisons

    Cheapest in 3% of them

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 Key Currency is the cheapest and gets you the most NOK, and it was also the cheapest in 76% of the 54 comparisons it appeared in over the past month.

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

Wise (today's second cheapest) was the cheapest in only 40% of its comparisons, so it's rarely the cheapest option for transfers to Norway.

Ways to send money from Switzerland to Norway

9 companies send money from Switzerland to Norway, across broker, multi-currency account, global account, online, and app, 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 67,280.3 NOK.

The fee is 15.06 CHF, with a 0% markup on top of the CHF/NOK 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 NOK (be it payments or travelling).

Wise converts CHF 6,000 with a 0% exchange-rate markup and lets you hold CHF and NOK 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.15.06 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 Norway.

You can’t make deposits with TWINT, but instead you can use Apple Pay, Google Pay, bank transfer and debit 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 Norway or moving your wealth, a broker like Key Currency charges no fee and works on a margin instead (0.25% on CHF/NOK).

I suggest , since the more NOK 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/NOK rate.

For companies paying across borders

Global accounts

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

A global account lets you hold NOK 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 NOK in Norway

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 67,281.37 NOK.

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

In Norway, they can get NOK delivered as bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay fr.6,000.00

    kr67,281

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay fr.6,000.00

    kr66,417

    -kr865

Things to know before sending CHF to Norway

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/NOK transfer options

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

Cheapest way to send money to Norway

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 67,281.37 NOK, which is 0% more than the next best option.

Fastest way to send money to Norway

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 66,787.63 NOK 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 NOK 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 9 of them sending CHF to Norway, 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/NOK 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.