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

Comparing providers when sending money from Switzerland to the United States is the easiest way to make a transfer at the best price.

Right now, for CHF/USD

• Wise is our recommended company for transferring Swiss Franc to the United States. Sending 6,000 CHF to USD will cost you fr.17.37 in fees, and you will receive 7,378.2 USD. The delivery time is same day, but it depends on the day you make the transfer.

• If you want to secure the best rates on a CHF to United States transfer, Key Currency is the cheapest way to send money and will result in the most US Dollar received.

• Fastest way to send money from Switzerland to the United States is via Wise. Based on a fr.6,000 transfer, Wise transfer time for CHF-USD transfers is same day.

We’ve compared 10 providers for sending Swiss Franc to United States. This ensures you will get the best options for your transfer to the United States from Switzerland.

The exchange rate determines the price you will pay when buying US Dollar.

A better exchange rate and lower fees means more money being sent to United States.

The total cost of sending money to the United States from Switzerland, is made-up of a combination of fees and exchange rates. Sending with a company that can offer a good deal on both ensures a good deal on your transfer.

• The Mid-Market and Exchange Rates: Currently, the mid-market for CHF-USD is 1.2329 USD per Swiss Franc.

• Fees: Transfer fees may have to be paid alongside the transfer, either as a set fee or a percentage of the transfer. Key Currency has a fee of 0 CHF per transfer (which is the cheapest option right now for a fr.6,000 transfer). Although you should search for your send amount to get live deals and lowest fees.

• Amount Received: Money transfer companies will show you the amount of US Dollar eventually received in the United States.

If you are paying for services in US Dollar from Switzerland, this can make a huge difference.

Understanding the averages, and then waiting a day or two can help you get more USD for the same amount of Swiss Franc.

You can also use a forward contract to lock in an agreed exchange rate between Switzerland and the United States.

Using a bank transfer to send via money transfer company is the payment method that will get you the best price when sending from Switzerland to the United States.

Here are all the ways to send money from Switzerland to United States:

Bank transfers

Bank transfers are often the fastest and cheapest way to send money from Switzerland to the United States.

Using a money transfer company such as Key Currency for payments from Switzerland to the United States, means you can send via a bank transfer and benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


Debit and prepaid cards

Sending money with a debit card from Switzerland to the United States is easy with Xe.


Xe is a leader in debit card money transfers from Switzerland to the United States. They are the best option of the 10 transfer companies compared.

Credit cards

Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.

We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.

Ensuring you fully understand regulations in Switzerland and the United States will aid in keeping your money safe.

Our directory of worldwide financial regulators contains details on regulation for sending money between Switzerland and the United States.

Some companies offering money transfers between Switzerland and the United States have minimum or maximum thresholds on how much you can send or receive.

Rates and fees for different transfer amounts could change - that’s why it’s best to compare CHF-USD rates for your specific transfer amount.

For regular transfers to the United States, shopping around each time can make a huge difference.

For sending large amounts of CHF to United States we'd recommend using Wise. They offer a combination of rates and fees when sending from Switzerland to the United States that is the most competitive, even at larger amounts.

There are different options for receiving US Dollar in the United States.

The most popular are direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.

Not all companies offering transfers from Switzerland to the United States will offer every method for incoming US Dollar, so it’s best to check ahead of time.

Again, a comparison of CHF to USD providers will tell you if the method for receiving is supported.

One of the most common ways to transfer money from Switzerland into the United States is by sending directly to a bank account. Wise is the best company for bank transfers between Switzerland and the United States.

And if you need cash right away, check if cash pickup is an option for transfers between Switzerland and the United States.

P2P services and payment apps like PayPal, Xoom, and CashApp are popular because of convenience but are better for domestic transfers. For receiving international payments they come with more limitations and higher costs compared to money transfer options like multi-currency accounts.

If using a money transfer company to send US Dollars to the United States, you will need to verify your ID at the sign up stage.

The documents you need will vary and in some cases you might need more than one.

ID can be verified in Switzerland through a government issued ID such as a passport or driver's license.

If the recipient needs an ID to collect money in the United States, it will be similar.

Large transactions between Switzerland and United States, can be subject to additional checks. This includes proof of funds for anti-money laundering purposes.

One of the reasons Wise has scored so highly for transfers to the United States is their easy sign up process in Switzerland.

Sending regular, or larger amounts of money between Switzerland and United States could mean there are tax declarations to consider.

Some transfers into US Dollar may need to be reported to tax authorities in the United States, particularly where inheritance or property purchases are involved.

The United States has many different tax obligations for residents and non-residents.

When in doubt, please contact a tax professional in Switzerland or the United States to discuss your personal circumstances. This ensures you are not missing any specific tax needs associated with your transfer.