How to send money to Sri Lanka from Switzerland with the best CHF-LKR rate

The cheapest option overall is Wise, giving your recipient 2,391,459.96 LKR when you send CHF 6,000.

Below we’ve compared 5 ways to send money from Switzerland to Sri Lanka.

Best companies for CHF/LKR transfers

5 of 5 providers

Last updated on 28 October 2026

Based on 6,000 CHF transfer

Best companies for CHF/LKR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee CHF 26.92 1 CHF = 400.3730 LKR Recipient gets Rs 2'391'459.96 Next day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositNext dayAvailable via:Bank Transfer
CHF 26.921 CHF = 400.3730 LKR
Rs 2'391'459.96You payCHF 6'000.00
Promoted

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 397.4125 LKR Recipient gets Rs 2'384'475.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Sri Lanka with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 397.4125 LKR
Rs 2'384'475.00You payCHF 6'000.00

Run a live search

Showing top Switzerland to Sri Lanka deals for 6,000 CHF. Do a live search with your exact amount for today's best rates.

Wise

Pay via Bank transfer
Fee CHF 26.92 1 CHF = 400.3730 LKR Recipient gets Rs 2'391'459.96 Next day
CheapestRecommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositNext dayAvailable via:Bank Transfer
CHF 26.921 CHF = 400.3730 LKR
Rs 2'391'459.96You payCHF 6'000.00

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 397.4125 LKR Recipient gets Rs 2'384'475.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Sri Lanka with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 397.4125 LKR
Rs 2'384'475.00You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee CHF 56.50 1 CHF = 399.0123 LKR Recipient gets Rs 2'371'529.48 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 56.501 CHF = 399.0123 LKR
Rs 2'371'529.48You 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 = 397.4125 LKR Recipient gets Rs 2'370'168.15 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Sri Lanka with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 397.4125 LKR
Rs 2'370'168.15You payCHF 6'000.00

Xe

Pay via Credit card
Fee CHF 36.00 1 CHF = 397.4125 LKR Recipient gets Rs 2'370'168.15 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Sri Lanka with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 397.4125 LKR
Rs 2'370'168.15You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee CHF 185.50 1 CHF = 399.0123 LKR Recipient gets Rs 2'320'056.90 Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 185.501 CHF = 399.0123 LKR
Rs 2'320'056.90You 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.

Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 0.0000 LKR +0.27% vs mid-market Recipient gets Rs 0.00 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 0.0000 LKR
Rs 0.00You payCHF 6'000.00

OFX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 0.0000 LKR +0.50% vs mid-market Recipient gets Rs 0.00 Minutes - 24 hours
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 0.0000 LKR
Rs 0.00You payCHF 6'000.00

How to send money from Switzerland to Sri Lanka

Pick a company

Start with the cheapest, which is Wise at 2,391,459.96 LKR for a CHF 6,000 transfer.

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

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 Sri Lanka?

How much CHF you send to Sri Lanka 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 21% of the transfers from CHF 6,000 it quoted, and in 25% of all the transfers it quoted.

Cheapest service
CHF 1'0000.65%CHF 0.00Rs 398'677.36with bank transfer to bank deposit+Rs 5'598.36
CHF 5'0000.27%CHF 0.00Rs 1'999'915.48with bank transfer to bank deposit+Rs 28'977.41
CHF 6'000This pageCHF 26.92Rs 2'391'459.96with bank transfer to bank deposit+Rs 615'477.75
CHF 25'0000.25%CHF 0.00Rs 9'992'855.90with bank transfer to bank deposit+Rs 119'622.01
CHF/LKR Exchange Rate History

Is today a good time to send money from Switzerland to Sri Lanka?

The cheapest way to send CHF to LKR 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 Sri Lanka.

LKR received for CHF 6'000, after fees

Wed, 28 Oct 2026Mid-market rateNo quote Wise Rs 2'391'459.96WiseRs 2'391'459.96XeRs 2'384'475.00RevolutRs 2'371'529.48

2.32M
2.34M
2.36M
2.38M
2.40M
2.42M
2.44M
At the mid-market rateWith the cheapest optionWiseXeRevolut
Exchange rateFeeRecipient getsDifference
Mid-market rate 397.4758 – Rs 2'384'854.87
Regency FX Cheapest 396.4026 CHF 0.00 Rs 2'378'415.76 −Rs 6'439.11
Wise 396.7960 CHF 26.92 Rs 2'370'094.25 −Rs 14'760.62
Xe 394.0464 CHF 0.00 Rs 2'364'278.40 −Rs 20'576.47
Revolut 396.3339 CHF 56.50 Rs 2'355'610.53 −Rs 29'244.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 397.3363 – Rs 2'384'017.70
Regency FX Cheapest 396.2635 CHF 0.00 Rs 2'377'580.86 −Rs 6'436.84
Wise 396.3180 CHF 26.92 Rs 2'367'239.12 −Rs 16'778.58
Revolut 396.2193 CHF 56.50 Rs 2'354'929.26 −Rs 29'088.44
Xe 391.8913 CHF 0.00 Rs 2'351'347.80 −Rs 32'669.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 396.8086 – Rs 2'380'851.71
Regency FX Cheapest 395.7372 CHF 0.00 Rs 2'374'423.41 −Rs 6'428.30
Wise 395.8670 CHF 26.92 Rs 2'364'545.26 −Rs 16'306.45
Revolut 395.1867 CHF 56.50 Rs 2'348'791.90 −Rs 32'059.81
Xe 390.4415 CHF 0.00 Rs 2'342'649.00 −Rs 38'202.71
Exchange rateFeeRecipient getsDifference
Mid-market rate 401.4250 – Rs 2'408'549.84
Regency FX Cheapest 400.3411 CHF 0.00 Rs 2'402'046.75 −Rs 6'503.09
Wise 399.2210 CHF 26.92 Rs 2'384'578.97 −Rs 23'970.87
Revolut 398.8328 CHF 56.50 Rs 2'370'462.88 −Rs 38'086.96
Xe 391.6157 CHF 0.00 Rs 2'349'694.20 −Rs 58'855.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 399.1383 – Rs 2'394'829.52
Regency FX Cheapest 398.0606 CHF 0.00 Rs 2'388'363.48 −Rs 6'466.04
Wise 398.9590 CHF 26.92 Rs 2'383'014.02 −Rs 11'815.50
Xe 394.7945 CHF 0.00 Rs 2'368'767.00 −Rs 26'062.52
Revolut 396.3384 CHF 116.50 Rs 2'331'857.01 −Rs 62'972.51
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 398.9590 CHF 26.92 Rs 2'383'014.02 –
Xe No quote collected this day – – – –
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 398.7536 – Rs 2'392'521.76
Regency FX Cheapest 397.6770 CHF 0.00 Rs 2'386'061.95 −Rs 6'459.81
Wise 398.9380 CHF 26.92 Rs 2'382'888.59 −Rs 9'633.17
Revolut 398.0428 CHF 56.50 Rs 2'365'767.61 −Rs 26'754.15
Xe 393.3227 CHF 0.00 Rs 2'359'936.20 −Rs 32'585.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 396.4831 – Rs 2'378'898.88
Regency FX Cheapest 395.4126 CHF 0.00 Rs 2'372'475.85 −Rs 6'423.03
Wise 397.1150 CHF 26.92 Rs 2'371'999.66 −Rs 6'899.22
Revolut 396.6541 CHF 56.50 Rs 2'357'513.35 −Rs 21'385.53
Xe 392.8505 CHF 0.00 Rs 2'357'103.00 −Rs 21'795.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 396.8209 – Rs 2'380'925.28
Regency FX Cheapest 395.7495 CHF 0.00 Rs 2'374'496.78 −Rs 6'428.50
Wise 397.3280 CHF 26.92 Rs 2'373'271.93 −Rs 7'653.35
Xe 393.4410 CHF 0.00 Rs 2'360'646.00 −Rs 20'279.28
Revolut 396.5665 CHF 56.50 Rs 2'356'993.20 −Rs 23'932.08
Exchange rateFeeRecipient getsDifference
Mid-market rate 396.8399 – Rs 2'381'039.57
Regency FX Cheapest 395.7685 CHF 0.00 Rs 2'374'610.76 −Rs 6'428.81
Wise 397.1670 CHF 26.92 Rs 2'372'310.26 −Rs 8'729.31
Xe 392.9953 CHF 0.00 Rs 2'357'971.80 −Rs 23'067.77
Revolut 396.6883 CHF 56.50 Rs 2'357'717.18 −Rs 23'322.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 397.2611 – Rs 2'383'566.61
Wise Cheapest 398.1100 CHF 26.92 Rs 2'377'942.88 −Rs 5'623.73
Revolut 397.8124 CHF 56.50 Rs 2'364'397.83 −Rs 19'168.78
Xe 392.7127 CHF 0.00 Rs 2'356'276.20 −Rs 27'290.41
Exchange rateFeeRecipient getsDifference
Mid-market rate 398.8186 – Rs 2'392'911.66
Regency FX Cheapest 397.7418 CHF 0.00 Rs 2'386'450.80 −Rs 6'460.86
Wise 398.4880 CHF 26.92 Rs 2'380'200.70 −Rs 12'710.96
Xe 393.6428 CHF 0.00 Rs 2'361'856.80 −Rs 31'054.86
Revolut 396.1321 CHF 116.50 Rs 2'330'643.31 −Rs 62'268.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 398.8186 – Rs 2'392'911.66
Regency FX Cheapest 397.7418 CHF 0.00 Rs 2'386'450.80 −Rs 6'460.86
Wise 398.4880 CHF 26.92 Rs 2'380'200.70 −Rs 12'710.96
Xe 393.6428 CHF 0.00 Rs 2'361'856.80 −Rs 31'054.86
Revolut 396.1321 CHF 116.50 Rs 2'330'643.31 −Rs 62'268.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 397.5657 – Rs 2'385'394.09
Regency FX Cheapest 396.4923 CHF 0.00 Rs 2'378'953.52 −Rs 6'440.57
Wise 397.8120 CHF 26.92 Rs 2'376'162.90 −Rs 9'231.19
Xe 393.7380 CHF 0.00 Rs 2'362'428.00 −Rs 22'966.09
Revolut 397.1853 CHF 56.50 Rs 2'360'671.00 −Rs 24'723.09
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 397.0120 CHF 26.92 Rs 2'371'384.44 –
Xe 393.5735 CHF 0.00 Rs 2'361'441.00 –
Revolut 396.5534 CHF 56.50 Rs 2'356'914.98 –
Exchange rateFeeRecipient getsDifference
Mid-market rate 394.8534 – Rs 2'369'120.57
Regency FX Cheapest 393.7873 CHF 0.00 Rs 2'362'723.94 −Rs 6'396.63
Wise 395.0300 CHF 26.92 Rs 2'359'545.79 −Rs 9'574.78
Xe 392.9485 CHF 0.00 Rs 2'357'691.00 −Rs 11'429.57
Revolut 394.3400 CHF 56.50 Rs 2'343'759.62 −Rs 25'360.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 399.1032 – Rs 2'394'619.24
Regency FX Cheapest 398.0256 CHF 0.00 Rs 2'388'153.77 −Rs 6'465.47
Wise 399.5540 CHF 26.92 Rs 2'386'568.01 −Rs 8'051.23
Xe 395.1765 CHF 0.00 Rs 2'371'059.00 −Rs 23'560.24
Revolut 398.7984 CHF 56.50 Rs 2'370'258.31 −Rs 24'360.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 401.3781 – Rs 2'408'268.65
Regency FX Cheapest 400.2944 CHF 0.00 Rs 2'401'766.33 −Rs 6'502.32
Wise 401.4550 CHF 26.92 Rs 2'397'922.83 −Rs 10'345.82
Revolut 401.0425 CHF 56.50 Rs 2'383'596.32 −Rs 24'672.33
Xe 395.2362 CHF 0.00 Rs 2'371'417.20 −Rs 36'851.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 401.5957 – Rs 2'409'574.33
Regency FX Cheapest 400.5114 CHF 0.00 Rs 2'403'068.48 −Rs 6'505.85
Wise 401.9300 CHF 26.92 Rs 2'400'760.04 −Rs 8'814.29
Xe 397.6812 CHF 0.00 Rs 2'386'087.20 −Rs 23'487.13
Revolut 399.6334 CHF 116.50 Rs 2'351'243.13 −Rs 58'331.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 401.5957 – Rs 2'409'574.33
Regency FX Cheapest 400.5114 CHF 0.00 Rs 2'403'068.48 −Rs 6'505.85
Wise 401.9300 CHF 26.92 Rs 2'400'760.04 −Rs 8'814.29
Xe 397.6812 CHF 0.00 Rs 2'386'087.20 −Rs 23'487.13
Revolut 399.6334 CHF 116.50 Rs 2'351'243.13 −Rs 58'331.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 403.0580 – Rs 2'418'347.98
Regency FX Cheapest 401.9697 CHF 0.00 Rs 2'411'818.44 −Rs 6'529.54
Wise 402.1590 CHF 26.92 Rs 2'402'127.88 −Rs 16'220.10
Xe 397.8890 CHF 0.00 Rs 2'387'334.00 −Rs 31'013.98
Revolut 401.3686 CHF 56.50 Rs 2'385'534.45 −Rs 32'813.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 401.6505 – Rs 2'409'902.81
Regency FX Cheapest 400.5660 CHF 0.00 Rs 2'403'396.08 −Rs 6'506.73
Wise 401.7450 CHF 26.92 Rs 2'399'655.02 −Rs 10'247.79
Xe 398.4197 CHF 0.00 Rs 2'390'518.20 −Rs 19'384.61
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 402.4320 CHF 26.92 Rs 2'403'758.53 –
Xe 398.1840 CHF 0.00 Rs 2'389'104.00 –
Revolut 401.2573 CHF 56.50 Rs 2'384'873.04 –
Exchange rateFeeRecipient getsDifference
Mid-market rate 405.1781 – Rs 2'431'068.62
Regency FX Cheapest 404.0841 CHF 0.00 Rs 2'424'504.74 −Rs 6'563.88
Wise 405.0890 CHF 26.92 Rs 2'419'629.00 −Rs 11'439.62
Revolut 403.8239 CHF 56.50 Rs 2'400'127.15 −Rs 30'941.47
Xe 398.2461 CHF 0.00 Rs 2'389'476.60 −Rs 41'592.02
Exchange rateFeeRecipient getsDifference
Mid-market rate 403.2040 – Rs 2'419'223.92
Regency FX Cheapest 402.1153 CHF 0.00 Rs 2'412'692.01 −Rs 6'531.91
Revolut 402.3092 CHF 56.50 Rs 2'391'124.84 −Rs 28'099.08
Wise No quote collected this day – – – –
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 402.1633 – Rs 2'412'980.02
Regency FX Cheapest 401.0775 CHF 0.00 Rs 2'406'464.98 −Rs 6'515.04
Wise 402.5270 CHF 26.92 Rs 2'404'325.97 −Rs 8'654.05
Xe 399.2948 CHF 0.00 Rs 2'395'768.80 −Rs 17'211.22
Revolut 399.3870 CHF 116.50 Rs 2'349'793.47 −Rs 63'186.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 402.1633 – Rs 2'412'980.02
Regency FX Cheapest 401.0775 CHF 0.00 Rs 2'406'464.98 −Rs 6'515.04
Wise 402.5270 CHF 26.92 Rs 2'404'325.97 −Rs 8'654.05
Xe 399.2948 CHF 0.00 Rs 2'395'768.80 −Rs 17'211.22
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 401.0985 – Rs 2'406'591.29
Wise Cheapest 402.0220 CHF 26.92 Rs 2'401'309.57 −Rs 5'281.72
Xe 397.5561 CHF 0.00 Rs 2'385'336.60 −Rs 21'254.69
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 402.0878 – Rs 2'412'527.03
Regency FX Cheapest 401.0022 CHF 0.00 Rs 2'406'013.21 −Rs 6'513.82
Wise 401.0020 CHF 26.92 Rs 2'395'217.03 −Rs 17'310.00
Xe 396.2624 CHF 0.00 Rs 2'377'574.40 −Rs 34'952.63
Revolut 399.8630 CHF 56.50 Rs 2'376'585.62 −Rs 35'941.41
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 400.3730 CHF 26.92 Rs 2'391'459.96 –
Xe 397.4125 CHF 0.00 Rs 2'384'475.00 –
Revolut 399.0123 CHF 56.50 Rs 2'371'529.48 –

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 LKR 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 LKR on every transfer from Switzerland.

Today's payout isn't the best this month though, since the highest receive amount was 2,424,504.74 LKR.

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 Sri Lanka.

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

  1. WiseAppeared in 72 comparisons

    Cheapest in 25% of them

  2. XeAppeared in 94 comparisons

    Cheapest in 1% of them

  3. RevolutAppeared in 91 comparisons

    Cheapest in 13% 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 Wise is the cheapest and gets you the most LKR, but it was the cheapest in only 25% of the 72 comparisons it appeared in over the past month.

Xe (today's second cheapest) was the cheapest in only 1% of its comparisons, so it's rarely the cheapest option for transfers to Sri Lanka.

If it's a one-off transfer, go with Wise, since it's the cheapest right now.

Ways to send money from Switzerland to Sri Lanka

5 companies send money from Switzerland to Sri Lanka, across app, broker, online, multi-currency account, and global 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 2,391,459.96 LKR.

The fee is 26.92 CHF, with a % markup on top of the CHF/LKR 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 LKR (be it payments or travelling).

Wise converts CHF 6,000 with a % exchange-rate markup and lets you hold CHF and LKR 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.26.92 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 Sri Lanka.

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 Sri Lanka or moving your wealth, a broker like Xe charges no fee and works on a margin instead (% on CHF/LKR).

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

Our analysis shows Xe was the cheapest broker in 7% of the transfers from CHF 6,000 it quoted.

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

For companies paying across borders

Global accounts

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

A global account lets you hold LKR 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 LKR in Sri Lanka

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 2,391,459.96 LKR.

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 Sri Lanka.

In Sri Lanka, they can get LKR delivered as bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay fr.6,000.00

    SLRs2,391,460

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay fr.6,000.00

    SLRs2,370,168

    -SLRs21,292

  3. 3
    Credit card Bank deposit

    You pay fr.6,000.00

    SLRs2,370,168

    -SLRs21,292

Things to know before sending CHF to Sri Lanka

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/LKR transfer options

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

Cheapest way to send money to Sri Lanka

The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 2,391,459.96 LKR, which is 0.29% more than the next best option.

Fastest way to send money to Sri Lanka

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 2,371,529.48 LKR 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 LKR 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 5 of them sending CHF to Sri Lanka, 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/LKR 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.