How to send money to the US from Switzerland with the best CHF-USD rate

The cheapest option overall is Key Currency, giving your recipient 7’315.15 USD when you send CHF 6’000.

Below we’ve compared 10 ways to send money from Switzerland to the United States.

Best companies for CHF/USD transfers

10 of 10 providers

Last updated on 10 November 2026

Based on 6,000 CHF transfer

Best companies for CHF/USD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee CHF 17.37 1 CHF = 1.2220 USD +0.02% vs mid-market Recipient gets $ 7'310.59 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
CHF 17.371 CHF = 1.2220 USD
$ 7'310.59You payCHF 6'000.00
Promoted

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 1.2182 USD +0.33% vs mid-market Recipient gets $ 7'309.20 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 1.2182 USD
$ 7'309.20You payCHF 6'000.00

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Showing top Switzerland to United States 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 = 1.2192 USD +0.25% vs mid-market Recipient gets $ 7'315.15 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 CHF = 1.2192 USD
$ 7'315.15You payCHF 6'000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 1.2189 USD +0.27% vs mid-market Recipient gets $ 7'313.68 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 1.2189 USD
$ 7'313.68You payCHF 6'000.00

TorFx

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 1.2186 USD +0.30% vs mid-market Recipient gets $ 7'311.48 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 1.2186 USD
$ 7'311.48You payCHF 6'000.00

Wise

Pay via Bank transfer
Fee CHF 17.37 1 CHF = 1.2220 USD +0.02% vs mid-market Recipient gets $ 7'310.59 Within minutes
FastestOur top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
CHF 17.371 CHF = 1.2220 USD
$ 7'310.59You payCHF 6'000.00

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 1.2182 USD +0.33% vs mid-market Recipient gets $ 7'309.20 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 1.2182 USD
$ 7'309.20You payCHF 6'000.00

Currencies Direct

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 1.2162 USD +0.50% vs mid-market Recipient gets $ 7'297.20 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 1.2162 USD
$ 7'297.20You payCHF 6'000.00

OFX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 1.2161 USD +0.50% vs mid-market Recipient gets $ 7'296.81 Minutes - 24 hours
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 1.2161 USD
$ 7'296.81You payCHF 6'000.00

CurrencyFair

Pay via Bank transfer
Fee CHF 3.27 1 CHF = 1.2154 USD +0.56% vs mid-market Recipient gets $ 7'288.40 Minutes - 24 hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 3.271 CHF = 1.2154 USD
$ 7'288.40You payCHF 6'000.00

Xe

Pay via Debit card
Fee CHF 36.00 1 CHF = 1.2188 USD +0.28% vs mid-market Recipient gets $ 7'268.92 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 1.2188 USD
$ 7'268.92You payCHF 6'000.00

Xe

Pay via Credit card
Fee CHF 36.00 1 CHF = 1.2188 USD +0.28% vs mid-market Recipient gets $ 7'268.92 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 1.2188 USD
$ 7'268.92You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee CHF 56.50 1 CHF = 1.2211 USD +0.09% vs mid-market Recipient gets $ 7'257.86 Next day
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositNext day
CHF 56.501 CHF = 1.2211 USD
$ 7'257.86You 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 = 1.2051 USD +1.40% vs mid-market Recipient gets $ 7'230.81 Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 CHF = 1.2051 USD
$ 7'230.81You payCHF 6'000.00
How Our Results Work
Mid-market rate: 1 CHF = 1.2222 USD Updates every 60 minutes.

How to send money from Switzerland to US

Pick a company

Start with the cheapest, which is Key Currency at 7’315.15 USD for a CHF 6’000 transfer.

Key Currency was the cheapest on 28 of the 30 days it quoted fr.6’000 transfers to the US.

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 US?

How much CHF you send to the US 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 87% of the transfers from CHF 6,000 it quoted, and in 87% of all the transfers it quoted.

Cheapest service
CHF 1'0000.09%CHF 1.60$ 1'217.38with bank transfer to bank deposit+$ 13.95
CHF 5'0000.27%CHF 0.00$ 6'084.03with bank transfer to bank deposit+$ 25.27
CHF 6'000This page0.25%CHF 0.00$ 7'315.15with bank transfer to bank deposit+$ 26.07
CHF 25'0000.20%CHF 0.00$ 30'458.21with bank transfer to bank deposit+$ 109.31
CHF 50'0000.20%CHF 0.00$ 60'887.08with bank transfer to bank deposit+$ 204.88

Mid-market rate: 1 CHF = 1.2222 USD

CHF/USD Exchange Rate History

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

The cheapest way to send CHF to USD 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 the US.

USD received for CHF 6'000, after fees

Tue, 10 Nov 2026Mid-market rate$ 7'333.48 Key Currency $ 7'315.15Key Currency$ 7'315.15Regency FX$ 7'313.68TorFx$ 7'311.48

7'100
7'150
7'200
7'250
7'300
7'350
7'400
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2023 – $ 7'213.62
Key Currency Cheapest 1.1993 CHF 0.00 $ 7'195.59 −$ 18.03
Regency FX 1.1990 CHF 0.00 $ 7'194.14 −$ 19.48
TorFx 1.1987 CHF 0.00 $ 7'191.98 −$ 21.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2000 – $ 7'200.16
Key Currency Cheapest 1.1970 CHF 0.00 $ 7'182.16 −$ 18.00
Regency FX 1.1968 CHF 0.00 $ 7'180.72 −$ 19.44
TorFx 1.1964 CHF 0.00 $ 7'178.56 −$ 21.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.1933 – $ 7'159.86
Key Currency Cheapest 1.1903 CHF 0.00 $ 7'141.96 −$ 17.90
Regency FX 1.1901 CHF 0.00 $ 7'140.53 −$ 19.33
TorFx 1.1897 CHF 0.00 $ 7'138.38 −$ 21.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2063 – $ 7'237.54
Key Currency Cheapest 1.2032 CHF 0.00 $ 7'219.45 −$ 18.09
Regency FX 1.2030 CHF 0.00 $ 7'218.00 −$ 19.54
TorFx 1.2026 CHF 0.00 $ 7'215.83 −$ 21.71
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2126 – $ 7'275.82
Key Currency Cheapest 1.2096 CHF 0.00 $ 7'257.63 −$ 18.19
Regency FX 1.2094 CHF 0.00 $ 7'256.17 −$ 19.65
TorFx 1.2090 CHF 0.00 $ 7'253.99 −$ 21.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2108 – $ 7'264.52
Wise Cheapest 1.2137 CHF 17.37 $ 7'260.94 −$ 3.58
Key Currency 1.2077 CHF 0.00 $ 7'246.36 −$ 18.16
Regency FX 1.2075 CHF 0.00 $ 7'244.91 −$ 19.61
TorFx 1.2071 CHF 0.00 $ 7'242.73 −$ 21.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2108 – $ 7'264.52
Wise Cheapest 1.2137 CHF 17.37 $ 7'260.94 −$ 3.58
Key Currency 1.2077 CHF 0.00 $ 7'246.36 −$ 18.16
Regency FX 1.2075 CHF 0.00 $ 7'244.91 −$ 19.61
TorFx 1.2071 CHF 0.00 $ 7'242.73 −$ 21.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2132 – $ 7'279.30
Key Currency Cheapest 1.2102 CHF 0.00 $ 7'261.10 −$ 18.20
Regency FX 1.2099 CHF 0.00 $ 7'259.65 −$ 19.65
TorFx 1.2096 CHF 0.00 $ 7'257.46 −$ 21.84
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2121 – $ 7'272.77
Key Currency Cheapest 1.2091 CHF 0.00 $ 7'254.59 −$ 18.18
Regency FX 1.2089 CHF 0.00 $ 7'253.14 −$ 19.63
TorFx 1.2085 CHF 0.00 $ 7'250.96 −$ 21.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2127 – $ 7'276.34
Key Currency Cheapest 1.2097 CHF 0.00 $ 7'258.15 −$ 18.19
Regency FX 1.2094 CHF 0.00 $ 7'256.69 −$ 19.65
TorFx 1.2091 CHF 0.00 $ 7'254.51 −$ 21.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2199 – $ 7'319.44
Key Currency Cheapest 1.2169 CHF 0.00 $ 7'301.14 −$ 18.30
Regency FX 1.2166 CHF 0.00 $ 7'299.67 −$ 19.77
TorFx 1.2162 CHF 0.00 $ 7'297.48 −$ 21.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2153 – $ 7'292.04
Key Currency Cheapest 1.2123 CHF 0.00 $ 7'273.81 −$ 18.23
Regency FX 1.2121 CHF 0.00 $ 7'272.35 −$ 19.69
TorFx 1.2117 CHF 0.00 $ 7'270.16 −$ 21.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2120 – $ 7'272.04
Key Currency Cheapest 1.2090 CHF 0.00 $ 7'253.86 −$ 18.18
Regency FX 1.2087 CHF 0.00 $ 7'252.41 −$ 19.63
TorFx 1.2084 CHF 0.00 $ 7'250.23 −$ 21.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2120 – $ 7'272.04
Key Currency Cheapest 1.2090 CHF 0.00 $ 7'253.86 −$ 18.18
Regency FX 1.2087 CHF 0.00 $ 7'252.41 −$ 19.63
TorFx 1.2084 CHF 0.00 $ 7'250.23 −$ 21.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2105 – $ 7'262.74
Key Currency Cheapest 1.2074 CHF 0.00 $ 7'244.58 −$ 18.16
Regency FX 1.2072 CHF 0.00 $ 7'243.13 −$ 19.61
TorFx 1.2068 CHF 0.00 $ 7'240.95 −$ 21.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2074 – $ 7'244.50
Key Currency Cheapest 1.2044 CHF 0.00 $ 7'226.38 −$ 18.12
Regency FX 1.2042 CHF 0.00 $ 7'224.94 −$ 19.56
TorFx 1.2038 CHF 0.00 $ 7'222.76 −$ 21.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2048 – $ 7'228.61
Key Currency Cheapest 1.2018 CHF 0.00 $ 7'210.54 −$ 18.07
Regency FX 1.2015 CHF 0.00 $ 7'209.09 −$ 19.52
TorFx 1.2012 CHF 0.00 $ 7'206.92 −$ 21.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2076 – $ 7'245.55
Key Currency Cheapest 1.2046 CHF 0.00 $ 7'227.43 −$ 18.12
Regency FX 1.2043 CHF 0.00 $ 7'225.98 −$ 19.57
TorFx 1.2040 CHF 0.00 $ 7'223.81 −$ 21.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2180 – $ 7'308.29
Key Currency Cheapest 1.2150 CHF 0.00 $ 7'290.02 −$ 18.27
Regency FX 1.2148 CHF 0.00 $ 7'288.56 −$ 19.73
TorFx 1.2144 CHF 0.00 $ 7'286.37 −$ 21.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2139 – $ 7'283.23
Key Currency Cheapest 1.2108 CHF 0.00 $ 7'265.02 −$ 18.21
Regency FX 1.2106 CHF 0.00 $ 7'263.57 −$ 19.66
TorFx 1.2102 CHF 0.00 $ 7'261.38 −$ 21.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2139 – $ 7'283.23
Key Currency Cheapest 1.2108 CHF 0.00 $ 7'265.02 −$ 18.21
Regency FX 1.2106 CHF 0.00 $ 7'263.57 −$ 19.66
TorFx 1.2102 CHF 0.00 $ 7'261.38 −$ 21.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2174 – $ 7'304.65
Key Currency Cheapest 1.2144 CHF 0.00 $ 7'286.38 −$ 18.27
Regency FX 1.2142 CHF 0.00 $ 7'284.92 −$ 19.73
TorFx 1.2138 CHF 0.00 $ 7'282.73 −$ 21.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2242 – $ 7'345.42
Key Currency Cheapest 1.2212 CHF 0.00 $ 7'327.06 −$ 18.36
Regency FX 1.2209 CHF 0.00 $ 7'325.59 −$ 19.83
TorFx 1.2206 CHF 0.00 $ 7'323.39 −$ 22.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2256 – $ 7'353.86
Key Currency Cheapest 1.2226 CHF 0.00 $ 7'335.47 −$ 18.39
Regency FX 1.2223 CHF 0.00 $ 7'334.00 −$ 19.86
TorFx 1.2220 CHF 0.00 $ 7'331.80 −$ 22.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2254 – $ 7'352.40
Key Currency Cheapest 1.2223 CHF 0.00 $ 7'334.02 −$ 18.38
Regency FX 1.2221 CHF 0.00 $ 7'332.55 −$ 19.85
TorFx 1.2217 CHF 0.00 $ 7'330.34 −$ 22.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2220 – $ 7'332.29
Key Currency Cheapest 1.2190 CHF 0.00 $ 7'313.96 −$ 18.33
Regency FX 1.2187 CHF 0.00 $ 7'312.49 −$ 19.80
TorFx 1.2184 CHF 0.00 $ 7'310.29 −$ 22.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2188 – $ 7'312.90
Key Currency Cheapest 1.2158 CHF 0.00 $ 7'294.61 −$ 18.29
Regency FX 1.2155 CHF 0.00 $ 7'293.15 −$ 19.75
TorFx 1.2152 CHF 0.00 $ 7'290.96 −$ 21.94
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2198 – $ 7'318.64
Key Currency Cheapest 1.2167 CHF 0.00 $ 7'300.35 −$ 18.29
Regency FX 1.2165 CHF 0.00 $ 7'298.88 −$ 19.76
TorFx 1.2161 CHF 0.00 $ 7'296.69 −$ 21.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2228 – $ 7'337.03
Key Currency Cheapest 1.2198 CHF 0.00 $ 7'318.69 −$ 18.34
Regency FX 1.2195 CHF 0.00 $ 7'317.22 −$ 19.81
TorFx 1.2192 CHF 0.00 $ 7'315.02 −$ 22.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.2222 – $ 7'333.48
Key Currency Cheapest 1.2192 CHF 0.00 $ 7'315.15 −$ 18.33
Regency FX 1.2189 CHF 0.00 $ 7'313.68 −$ 19.80
TorFx 1.2186 CHF 0.00 $ 7'311.48 −$ 22.00

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 USD 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 USD on every transfer from Switzerland.

Right now, Key Currency pays 7’315.15 USD on 6’000 CHF, which is 18.33 USD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 7’335.47 USD.

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 the US.

We've tracked 150 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Key CurrencyAppeared in 90 comparisons

    Cheapest in 87% of them

  2. Regency FXAppeared in 120 comparisons

    Cheapest in 23% of them

  3. TorFxAppeared in 120 comparisons

    Never the cheapest

Based on 150 comparisons across 5 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 USD, and it was also the cheapest in 87% of the 90 comparisons it appeared in over the past month.

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

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 the US.

Ways to send money from Switzerland to US

10 companies send money from Switzerland to the United States, 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 7’310.59 USD.

The fee is 17.37 CHF, with a 0.02% markup on top of the CHF/USD rate.

In our comparisons over the past month, it was the cheapest online service on 29 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 USD (be it payments or travelling).

Wise converts CHF 6’000 with a 0.02% exchange-rate markup and lets you hold CHF and USD 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.17.37 on a fr.6’000 transfer, and the money lands same day.

Over the past month, Wise was the cheapest app on 97% of the days it appeared for fr.6’000 transfers.

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

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

I suggest , since the more USD 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/USD rate.

For companies paying across borders

Global accounts

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

A global account lets you hold USD 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 USD in US

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6’000 gives your recipient 7’315.15 USD.

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 the United States.

In the United States, they can get USD delivered as bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay fr.6,000.00

    $7,315

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay fr.6,000.00

    $7,269

    -$46

  3. 3
    Credit card Bank deposit

    You pay fr.6,000.00

    $7,269

    -$46

Things to know before sending CHF to US

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/USD transfer options

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

Cheapest way to send money to the United States

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 7’315.15 USD, which is 0.02% more than the next best option.

Fastest way to send money to the United States

The fastest option is Wise. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 7’310.59 USD 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 USD 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 10 of them sending CHF to the United States, 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 150 comparisons across 5 amounts.

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