How to send money to Thailand from Switzerland with the best CHF-THB rate

The cheapest option overall is Key Currency, giving your recipient 243,474.8 THB when you send CHF 6,000.

Below we’ve compared 10 ways to send money from Switzerland to Thailand.

Best companies for CHF/THB transfers

10 of 10 providers

Last updated on 28 October 2026

Based on 6,000 CHF transfer

Best companies for CHF/THB transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee CHF 34.04 1 CHF = 40.6824 THB 0.00% vs mid-market Recipient gets ฿ 242'709.57 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
CHF 34.041 CHF = 40.6824 THB
฿ 242'709.57You payCHF 6'000.00
Promoted

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 40.4955 THB +0.46% vs mid-market Recipient gets ฿ 242'973.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 40.4955 THB
฿ 242'973.00You payCHF 6'000.00

Run a live search

Showing top Switzerland to Thailand 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 = 40.5791 THB +0.25% vs mid-market Recipient gets ฿ 243'474.80 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 CHF = 40.5791 THB
฿ 243'474.80You payCHF 6'000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 40.5710 THB +0.27% vs mid-market Recipient gets ฿ 243'425.98 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 40.5710 THB
฿ 243'425.98You payCHF 6'000.00

TorFx

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 40.5588 THB +0.30% vs mid-market Recipient gets ฿ 243'352.75 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 40.5588 THB
฿ 243'352.75You payCHF 6'000.00

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 40.4955 THB +0.46% vs mid-market Recipient gets ฿ 242'973.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 40.4955 THB
฿ 242'973.00You payCHF 6'000.00

OFX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 40.4774 THB +0.50% vs mid-market Recipient gets ฿ 242'864.58 Minutes - 24 hours
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 40.4774 THB
฿ 242'864.58You payCHF 6'000.00

Wise

Pay via Bank transfer
Fee CHF 34.04 1 CHF = 40.6824 THB 0.00% vs mid-market Recipient gets ฿ 242'709.57 Within minutes
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
CHF 34.041 CHF = 40.6824 THB
฿ 242'709.57You payCHF 6'000.00

CurrencyFair

Pay via Bank transfer
Fee CHF 3.07 1 CHF = 40.4260 THB +0.63% vs mid-market Recipient gets ฿ 242'431.00 Minutes - 24 hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 3.071 CHF = 40.4260 THB
฿ 242'431.00You payCHF 6'000.00

Currencies Direct

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 40.3910 THB +0.72% vs mid-market Recipient gets ฿ 242'346.00 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 40.3910 THB
฿ 242'346.00You payCHF 6'000.00

Xe

Pay via Debit card
Fee CHF 36.00 1 CHF = 40.4955 THB +0.46% vs mid-market Recipient gets ฿ 241'515.16 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 40.4955 THB
฿ 241'515.16You payCHF 6'000.00

Xe

Pay via Credit card
Fee CHF 36.00 1 CHF = 40.4955 THB +0.46% vs mid-market Recipient gets ฿ 241'515.16 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 40.4955 THB
฿ 241'515.16You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee CHF 56.50 1 CHF = 40.5505 THB +0.32% vs mid-market Recipient gets ฿ 241'011.70 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 56.501 CHF = 40.5505 THB
฿ 241'011.70You 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 = 40.1113 THB +1.40% vs mid-market Recipient gets ฿ 240'667.82 Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 CHF = 40.1113 THB
฿ 240'667.82You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee CHF 185.50 1 CHF = 40.5505 THB +0.32% vs mid-market Recipient gets ฿ 235'780.69 Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 185.501 CHF = 40.5505 THB
฿ 235'780.69You 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 = 40.6808 THB Updates every 60 minutes.

How to send money from Switzerland to Thailand

Pick a company

Start with the cheapest, which is Key Currency at 243,474.8 THB for a CHF 6,000 transfer.

Key Currency was the cheapest on 28 of the 29 days it quoted fr.6,000 transfers to Thailand.

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 Thailand?

How much CHF you send to Thailand 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 97% of the transfers from CHF 6,000 it quoted, and in 97% of all the transfers it quoted.

Cheapest service
CHF 1'0000.44%CHF 0.00฿ 40'495.50with bank transfer to bank deposit+฿ 333.29
CHF 5'0000.27%CHF 0.00฿ 202'835.24with bank transfer to bank deposit+฿ 1'277.28
CHF 6'000This page0.25%CHF 0.00฿ 243'474.80with bank transfer to bank deposit+฿ 1'623.40
CHF 25'0000.20%CHF 0.00฿ 1'015'391.92with bank transfer to bank deposit+฿ 7'042.54

Mid-market rate: 1 CHF = 40.6808 THB

CHF/THB Exchange Rate History

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

The cheapest way to send CHF to THB 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 Thailand.

THB received for CHF 6'000, after fees

Wed, 28 Oct 2026Mid-market rate฿ 244'085.01 Key Currency ฿ 243'474.80Key Currency฿ 243'474.80Regency FX฿ 243'425.98TorFx฿ 243'352.75

240'000
241'000
242'000
243'000
244'000
245'000
246'000
247'000
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.3007 – ฿ 241'804.18
Key Currency Cheapest 40.1999 CHF 0.00 ฿ 241'199.67 −฿ 604.51
Regency FX 40.1919 CHF 0.00 ฿ 241'151.30 −฿ 652.88
TorFx 40.1798 CHF 0.00 ฿ 241'078.76 −฿ 725.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.2047 – ฿ 241'228.28
Key Currency Cheapest 40.1042 CHF 0.00 ฿ 240'625.21 −฿ 603.07
Regency FX 40.0962 CHF 0.00 ฿ 240'576.96 −฿ 651.32
TorFx 40.0841 CHF 0.00 ฿ 240'504.59 −฿ 723.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.3363 – ฿ 242'018.04
Key Currency Cheapest 40.2355 CHF 0.00 ฿ 241'412.99 −฿ 605.05
Regency FX 40.2274 CHF 0.00 ฿ 241'364.59 −฿ 653.45
TorFx 40.2153 CHF 0.00 ฿ 241'291.99 −฿ 726.05
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 40.5553 CHF 34.04 ฿ 241'951.30 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.4658 – ฿ 242'795.03
Key Currency Cheapest 40.3647 CHF 0.00 ฿ 242'188.04 −฿ 606.99
Regency FX 40.3566 CHF 0.00 ฿ 242'139.48 −฿ 655.55
TorFx 40.3444 CHF 0.00 ฿ 242'066.64 −฿ 728.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.3464 – ฿ 242'078.35
Xe Cheapest 40.2772 CHF 0.00 ฿ 241'663.20 −฿ 415.15
Key Currency 40.2455 CHF 0.00 ฿ 241'473.16 −฿ 605.19
Regency FX 40.2375 CHF 0.00 ฿ 241'424.74 −฿ 653.61
TorFx 40.2254 CHF 0.00 ฿ 241'352.12 −฿ 726.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.6112 – ฿ 243'667.16
Key Currency Cheapest 40.5097 CHF 0.00 ฿ 243'057.99 −฿ 609.17
Regency FX 40.5015 CHF 0.00 ฿ 243'009.26 −฿ 657.90
TorFx 40.4894 CHF 0.00 ฿ 242'936.16 −฿ 731.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.4199 – ฿ 242'519.18
Key Currency Cheapest 40.3188 CHF 0.00 ฿ 241'912.88 −฿ 606.30
Regency FX 40.3107 CHF 0.00 ฿ 241'864.38 −฿ 654.80
TorFx 40.2986 CHF 0.00 ฿ 241'791.62 −฿ 727.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.4478 – ฿ 242'687.03
Key Currency Cheapest 40.3467 CHF 0.00 ฿ 242'080.32 −฿ 606.71
Regency FX 40.3386 CHF 0.00 ฿ 242'031.78 −฿ 655.25
TorFx 40.3265 CHF 0.00 ฿ 241'958.97 −฿ 728.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.4000 – ฿ 242'400.26
Key Currency Cheapest 40.2990 CHF 0.00 ฿ 241'794.26 −฿ 606.00
Regency FX 40.2910 CHF 0.00 ฿ 241'745.78 −฿ 654.48
TorFx 40.2788 CHF 0.00 ฿ 241'673.06 −฿ 727.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.3729 – ฿ 242'237.30
Key Currency Cheapest 40.2720 CHF 0.00 ฿ 241'631.71 −฿ 605.59
Regency FX 40.2639 CHF 0.00 ฿ 241'583.26 −฿ 654.04
TorFx 40.2518 CHF 0.00 ฿ 241'510.59 −฿ 726.71
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.4417 – ฿ 242'650.22
Key Currency Cheapest 40.3406 CHF 0.00 ฿ 242'043.59 −฿ 606.63
Regency FX 40.3325 CHF 0.00 ฿ 241'995.06 −฿ 655.16
TorFx 40.3204 CHF 0.00 ฿ 241'922.27 −฿ 727.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.4417 – ฿ 242'650.22
Key Currency Cheapest 40.3406 CHF 0.00 ฿ 242'043.59 −฿ 606.63
Regency FX 40.3325 CHF 0.00 ฿ 241'995.06 −฿ 655.16
TorFx 40.3204 CHF 0.00 ฿ 241'922.27 −฿ 727.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.3812 – ฿ 242'287.47
Key Currency Cheapest 40.2803 CHF 0.00 ฿ 241'681.75 −฿ 605.72
Regency FX 40.2722 CHF 0.00 ฿ 241'633.29 −฿ 654.18
TorFx 40.2601 CHF 0.00 ฿ 241'560.61 −฿ 726.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.2850 – ฿ 241'710.15
Key Currency Cheapest 40.1843 CHF 0.00 ฿ 241'105.87 −฿ 604.28
Regency FX 40.1763 CHF 0.00 ฿ 241'057.53 −฿ 652.62
TorFx 40.1642 CHF 0.00 ฿ 240'985.02 −฿ 725.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.2021 – ฿ 241'212.79
Key Currency Cheapest 40.1016 CHF 0.00 ฿ 240'609.75 −฿ 603.04
Regency FX 40.0936 CHF 0.00 ฿ 240'561.51 −฿ 651.28
TorFx 40.0815 CHF 0.00 ฿ 240'489.15 −฿ 723.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.4564 – ฿ 242'738.65
Key Currency Cheapest 40.3553 CHF 0.00 ฿ 242'131.81 −฿ 606.84
Regency FX 40.3472 CHF 0.00 ฿ 242'083.26 −฿ 655.39
TorFx 40.3351 CHF 0.00 ฿ 242'010.44 −฿ 728.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.5196 – ฿ 243'117.71
Key Currency Cheapest 40.4183 CHF 0.00 ฿ 242'509.91 −฿ 607.80
Regency FX 40.4102 CHF 0.00 ฿ 242'461.29 −฿ 656.42
TorFx 40.3981 CHF 0.00 ฿ 242'388.35 −฿ 729.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.4937 – ฿ 242'962.27
Key Currency Cheapest 40.3925 CHF 0.00 ฿ 242'354.87 −฿ 607.40
Regency FX 40.3844 CHF 0.00 ฿ 242'306.27 −฿ 656.00
TorFx 40.3722 CHF 0.00 ฿ 242'233.39 −฿ 728.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.4937 – ฿ 242'962.27
Key Currency Cheapest 40.3925 CHF 0.00 ฿ 242'354.87 −฿ 607.40
Regency FX 40.3844 CHF 0.00 ฿ 242'306.27 −฿ 656.00
TorFx 40.3722 CHF 0.00 ฿ 242'233.39 −฿ 728.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.7487 – ฿ 244'492.42
Key Currency Cheapest 40.6469 CHF 0.00 ฿ 243'881.19 −฿ 611.23
Regency FX 40.6387 CHF 0.00 ฿ 243'832.29 −฿ 660.13
TorFx 40.6265 CHF 0.00 ฿ 243'758.94 −฿ 733.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.7394 – ฿ 244'436.63
Key Currency Cheapest 40.6376 CHF 0.00 ฿ 243'825.54 −฿ 611.09
Regency FX 40.6294 CHF 0.00 ฿ 243'776.66 −฿ 659.97
TorFx 40.6172 CHF 0.00 ฿ 243'703.32 −฿ 733.31
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.7951 – ฿ 244'770.38
Key Currency Cheapest 40.6931 CHF 0.00 ฿ 244'158.45 −฿ 611.93
Regency FX 40.6849 CHF 0.00 ฿ 244'109.50 −฿ 660.88
TorFx 40.6727 CHF 0.00 ฿ 244'036.07 −฿ 734.31
Exchange rateFeeRecipient getsDifference
Mid-market rate 41.0956 – ฿ 246'573.55
Key Currency Cheapest 40.9929 CHF 0.00 ฿ 245'957.11 −฿ 616.44
Regency FX 40.9846 CHF 0.00 ฿ 245'907.80 −฿ 665.75
TorFx 40.9723 CHF 0.00 ฿ 245'833.83 −฿ 739.72
Exchange rateFeeRecipient getsDifference
Mid-market rate 41.0296 – ฿ 246'177.38
Key Currency Cheapest 40.9270 CHF 0.00 ฿ 245'561.94 −฿ 615.44
Regency FX 40.9188 CHF 0.00 ฿ 245'512.71 −฿ 664.67
TorFx 40.9065 CHF 0.00 ฿ 245'438.85 −฿ 738.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.9299 – ฿ 245'579.59
Key Currency Cheapest 40.8276 CHF 0.00 ฿ 244'965.64 −฿ 613.95
Regency FX 40.8194 CHF 0.00 ฿ 244'916.53 −฿ 663.06
TorFx 40.8071 CHF 0.00 ฿ 244'842.85 −฿ 736.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.9299 – ฿ 245'579.59
Key Currency Cheapest 40.8276 CHF 0.00 ฿ 244'965.64 −฿ 613.95
Regency FX 40.8194 CHF 0.00 ฿ 244'916.53 −฿ 663.06
TorFx 40.8071 CHF 0.00 ฿ 244'842.85 −฿ 736.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.9001 – ฿ 245'400.61
Key Currency Cheapest 40.7979 CHF 0.00 ฿ 244'787.10 −฿ 613.51
Regency FX 40.7897 CHF 0.00 ฿ 244'738.02 −฿ 662.59
TorFx 40.7774 CHF 0.00 ฿ 244'664.40 −฿ 736.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.7869 – ฿ 244'721.23
Key Currency Cheapest 40.6849 CHF 0.00 ฿ 244'109.42 −฿ 611.81
Regency FX 40.6767 CHF 0.00 ฿ 244'060.48 −฿ 660.75
TorFx 40.6645 CHF 0.00 ฿ 243'987.06 −฿ 734.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 40.6808 – ฿ 244'085.01
Key Currency Cheapest 40.5791 CHF 0.00 ฿ 243'474.80 −฿ 610.21
Regency FX 40.5710 CHF 0.00 ฿ 243'425.98 −฿ 659.03
TorFx 40.5588 CHF 0.00 ฿ 243'352.75 −฿ 732.26

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 THB 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 THB on every transfer from Switzerland.

Right now, Key Currency pays 243,474.8 THB on 6,000 CHF, which is 610.21 THB less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 245,957.11 THB.

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 Thailand.

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 58 comparisons

    Cheapest in 97% of them

  2. Regency FXAppeared in 73 comparisons

    Cheapest in 18% of them

  3. TorFxAppeared in 73 comparisons

    Never the cheapest

Based on 106 comparisons across 4 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Key Currency is the cheapest and gets you the most THB, and it was also the cheapest in 97% of the 58 comparisons it appeared in over the past month.

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

Regency FX (today's second cheapest) was the cheapest in only 18% of its comparisons, so it's rarely the cheapest option for transfers to Thailand.

Ways to send money from Switzerland to Thailand

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

For one-off transfers

Online 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 242,973 THB.

The fee is 0 CHF, with a 0.46% markup on top of the CHF/THB rate.

In our comparisons over the past month, it was the cheapest online service on 7 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 THB (be it payments or travelling).

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

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 24% of the days it appeared for fr.6,000 transfers.

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

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

I suggest , since the more THB 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/THB rate.

For companies paying across borders

Global accounts

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

A global account lets you hold THB 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 THB in Thailand

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 243,474.8 THB.

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 Thailand.

In Thailand, they can get THB delivered as bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay fr.6,000.00

    ฿243,475

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay fr.6,000.00

    ฿241,515

    -฿1,960

  3. 3
    Credit card Bank deposit

    You pay fr.6,000.00

    ฿241,515

    -฿1,960

Things to know before sending CHF to Thailand

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/THB transfer options

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

Cheapest way to send money to Thailand

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 243,474.8 THB, which is 0.02% more than the next best option.

Fastest way to send money to Thailand

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 241,011.7 THB 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 THB 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 10 of them sending CHF to Thailand, 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/THB 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.