Key Currency is the best and cheapest service overall. On €7,000 you will get 6,596.85 CHF after fees and the exchange rate.
We’ve compared 11 money transfer companies in more detail below.
| 11 of 11 providers Last updated on 28 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/CHF transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €31.65 1 EUR = 0.9447 CHF +0.01% vs mid-market | Recipient gets CHF 6,583.00 Within minutes | |
Ways to receive money in Switzerland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €31.651 EUR = 0.9447 CHF CHF 6,583.00You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 0.9400 CHF +0.51% vs mid-market | Recipient gets CHF 6,580.00 Minutes - 24 hours | |
Ways to receive money in Switzerland with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 0.9400 CHF CHF 6,580.00You pay€7,000.00 | |||
Run a live search Showing top Germany to Switzerland deals for 7,000 EUR. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live EUR to CHF rates. | |||
Run a live search These companies offer multi-currency accounts for spending CHF. We suggest doing a live search based on how much EUR you're planning to spend in Switzerland. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 0.9424 CHF +0.25% vs mid-market | Recipient gets CHF 6,596.85 Minutes - 3 days | |
Ways to receive money in Switzerland with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 0.9424 CHF CHF 6,596.85You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 0.9422 CHF +0.27% vs mid-market | Recipient gets CHF 6,595.53 Minutes - 24 hours | |
Ways to receive money in Switzerland with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 0.9422 CHF CHF 6,595.53You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 0.9419 CHF +0.30% vs mid-market | Recipient gets CHF 6,593.54 Minutes - 24 hours | |
Ways to receive money in Switzerland with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 0.9419 CHF CHF 6,593.54You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €31.65 1 EUR = 0.9447 CHF +0.01% vs mid-market | Recipient gets CHF 6,583.00 Within minutes | |
Ways to receive money in Switzerland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €31.651 EUR = 0.9447 CHF CHF 6,583.00You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 0.9400 CHF +0.50% vs mid-market | Recipient gets CHF 6,580.32 Minutes - 24 hours | |
Ways to receive money in Switzerland with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 0.9400 CHF CHF 6,580.32You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 0.9400 CHF +0.51% vs mid-market | Recipient gets CHF 6,580.00 Minutes - 24 hours | |
Ways to receive money in Switzerland with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 0.9400 CHF CHF 6,580.00You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 0.9400 CHF +0.51% vs mid-market | Recipient gets CHF 6,580.00 Minutes - 24 hours | |
Ways to receive money in Switzerland with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 0.9400 CHF CHF 6,580.00You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 0.9400 CHF +0.51% vs mid-market | Recipient gets CHF 6,580.00 Minutes - 24 hours | |
Ways to receive money in Switzerland with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 0.9400 CHF CHF 6,580.00You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 0.9398 CHF +0.53% vs mid-market | Recipient gets CHF 6,578.60 Minutes - 24 hours | |
Ways to receive money in Switzerland with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 0.9398 CHF CHF 6,578.60You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €41.80 1 EUR = 0.9447 CHF +0.01% vs mid-market | Recipient gets CHF 6,573.41 Within minutes | |
Ways to receive money in Switzerland with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €41.801 EUR = 0.9447 CHF CHF 6,573.41You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €4.23 1 EUR = 0.9393 CHF +0.58% vs mid-market | Recipient gets CHF 6,571.10 Minutes - 24 hours | |
Ways to receive money in Switzerland with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €4.231 EUR = 0.9393 CHF CHF 6,571.10You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €40.50 1 EUR = 0.9430 CHF +0.19% vs mid-market | Recipient gets CHF 6,562.51 Within minutes | |
Ways to receive money in Switzerland with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €40.501 EUR = 0.9430 CHF CHF 6,562.51You pay€7,000.00 | |||
| 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. | |||
| Wise Pay via Debit card | Fee €86.72 1 EUR = 0.9447 CHF +0.01% vs mid-market | Recipient gets CHF 6,530.98 Within minutes | |
Ways to receive money in Switzerland with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €86.721 EUR = 0.9447 CHF CHF 6,530.98You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €79.00 1 EUR = 0.9430 CHF +0.19% vs mid-market | Recipient gets CHF 6,526.20 Within minutes | |
Ways to receive money in Switzerland with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €79.001 EUR = 0.9430 CHF CHF 6,526.20You pay€7,000.00 | |||
| 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 €0.00 1 EUR = 0.9315 CHF +1.40% vs mid-market | Recipient gets CHF 6,520.80 Minutes - 2 days | |
Ways to receive money in Switzerland with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 0.9315 CHF CHF 6,520.80You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €128.80 1 EUR = 0.9447 CHF +0.01% vs mid-market | Recipient gets CHF 6,491.22 Within minutes | |
Ways to receive money in Switzerland with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €128.801 EUR = 0.9447 CHF CHF 6,491.22You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €9.99 1 EUR = 0.8868 CHF +6.33% vs mid-market | Recipient gets CHF 6,207.60 Minutes - 24 hours | |
Ways to receive money in Switzerland with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €9.991 EUR = 0.8868 CHF CHF 6,207.60You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €9.99 1 EUR = 0.8868 CHF +6.33% vs mid-market | Recipient gets CHF 6,207.60 Minutes - 24 hours | |
Ways to receive money in Switzerland with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €9.991 EUR = 0.8868 CHF CHF 6,207.60You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €9.99 1 EUR = 0.8868 CHF +6.33% vs mid-market | Recipient gets CHF 6,207.60 Minutes - 24 hours | |
Ways to receive money in Switzerland with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €9.991 EUR = 0.8868 CHF CHF 6,207.60You pay€7,009.99 | |||
| How Our Results Work Mid-market rate: 1 EUR = 0.9448 CHF Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Key Currency.
On a 7,000 EUR transfer, Key Currency delivers the most CHF.
This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/CHF rate.
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
First time round you'll need a photo ID and proof of your German address.
Video identification is also normal and takes a few minutes.
There are 11 companies for sending money from Germany to Switzerland, across broker, online, app, multi-currency account, global account, and in person, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with Wise to Switzerland gets you 6,583 CHF with a €31.65 fee and 0.01% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For paying in cash at a counter
There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.
Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.
In general, online transfers are cheaper than sending cash to Switzerland.
For large transfers from Germany
For buying property, moving to Switzerland, or moving pensions, a currency broker is the best option.
A broker like Key Currency charges no fee and works on a margin. It adds 0.25% on EUR/CHF which gets negotiated the more you send.
And you get an account manager to help you through the process.
For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.
For making business payments
Global accounts are for businesses making payments to Switzerland.
Be it overseas suppliers and contractors, receiving CHF payments, or holding CHF and EUR in one business account.
Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.
For spending & receiving
A multi-currency account lets you hold EUR and CHF in one account.
You get CHF bank details, and can receive international payments like rent, dividends, family payments without additional conversions.
You can convert CHF to EUR or EUR to CHF whenever you need.
The best multi currency account is Wise, it adds ~0.01% markup and charges small fees.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 6,596.85 CHF.
You can pay for the transfer using bank transfer, debit card, credit card, and ideal.
Using German bank
A SEPA bank transfer is usually the cheapest way to deposit EUR.
An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to Switzerland.
The recipient in Switzerland can receive CHF by bank deposit and cash pickup.
To receive CHF by bank deposit
Enter the recipient's banking details and account holders name.
Check both before sending because correcting a bank deposit will delay the transfer.
They can receive cash in Switzerland
For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.
You pay €7,000.00
fr.6,597
Cheapest
You pay €7,000.00
fr.6,580
-fr.17
You pay €7,000.00
fr.6,580
-fr.17
You pay €7,000.00
fr.6,573
-fr.23
You pay €7,009.99
fr.6,208
-fr.389
You pay €7,009.99
fr.6,208
-fr.389
You pay €7,009.99
fr.6,208
-fr.389
The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.
For a €7,000 transfer to Switzerland, these are the best options:
Cheapest way to send money to Switzerland
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,596.85 CHF, which is 0.02% more than the next best option.
Fastest way to send money to Switzerland
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 6,562.51 CHF in innerhalb von minuten.
Germany's AWV reporting threshold is €50,000.
A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.
It is a statistics report, not a tax or permission request.
Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.
The automated AWV notice shown by a bank does not mean every transfer is reportable.
The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.
If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.
A payment converted into CHF sits outside that pricing rule and may involve another bank or payout partner.
Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.
This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.
The EUR/CHF rate can move noticeably within a week, changing the amount your recipient gets in CHF.
Mid-market rate:1 EUR = 0.945695 CHF
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 11 of them on EUR to Switzerland, comparing rates, fees and the pay-in and payout options.
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.
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