How to send money to Switzerland from Germany with the best EUR-CHF rate

Key Currency is the best and cheapest service overall. On €7,000 you will get 6,449.5 CHF after fees and the exchange rate.

We’ve compared 12 money transfer companies in more detail below.

Best companies for EUR/CHF transfers

12 of 12 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/CHF transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €31.65 1 EUR = 0.9236 CHF 0.00% vs mid-market Recipient gets CHF 6,436.32 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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 = 0.9236 CHF
CHF 6,436.32You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 0.9190 CHF +0.51% vs mid-market Recipient gets CHF 6,433.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.9190 CHF
CHF 6,433.00You 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.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee €0.00 1 EUR = 0.9214 CHF +0.25% vs mid-market Recipient gets CHF 6,449.50 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 EUR = 0.9214 CHF
CHF 6,449.50You pay€7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 0.9212 CHF +0.27% vs mid-market Recipient gets CHF 6,448.21 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.9212 CHF
CHF 6,448.21You pay€7,000.00

TorFx

Pay via Bank transfer
Fee €0.00 1 EUR = 0.9209 CHF +0.30% vs mid-market Recipient gets CHF 6,446.27 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.9209 CHF
CHF 6,446.27You pay€7,000.00

Wise

Pay via Bank transfer
Fee €31.65 1 EUR = 0.9236 CHF 0.00% vs mid-market Recipient gets CHF 6,436.32 Within minutes
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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 = 0.9236 CHF
CHF 6,436.32You pay€7,000.00

OFX

Pay via Bank transfer
Fee €0.00 1 EUR = 0.9190 CHF +0.50% vs mid-market Recipient gets CHF 6,433.34 Minutes - 24 hours
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.9190 CHF
CHF 6,433.34You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 0.9190 CHF +0.51% vs mid-market Recipient gets CHF 6,433.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.9190 CHF
CHF 6,433.00You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 0.9190 CHF +0.51% vs mid-market Recipient gets CHF 6,433.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.9190 CHF
CHF 6,433.00You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 0.9190 CHF +0.51% vs mid-market Recipient gets CHF 6,433.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.9190 CHF
CHF 6,433.00You pay€7,000.00

Currencies Direct

Pay via Bank transfer
Fee €0.00 1 EUR = 0.9187 CHF +0.54% vs mid-market Recipient gets CHF 6,430.90 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 0.9187 CHF
CHF 6,430.90You pay€7,000.00

Wise

Pay via iDEAL
Fee €41.80 1 EUR = 0.9236 CHF 0.00% vs mid-market Recipient gets CHF 6,426.94 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Switzerland with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€41.801 EUR = 0.9236 CHF
CHF 6,426.94You pay€7,000.00

CurrencyFair

Pay via Bank transfer
Fee €4.33 1 EUR = 0.9180 CHF +0.62% vs mid-market Recipient gets CHF 6,422.00 Minutes - 24 hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
€4.331 EUR = 0.9180 CHF
CHF 6,422.00You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €30.50 1 EUR = 0.9212 CHF +0.27% vs mid-market Recipient gets CHF 6,420.58 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€30.501 EUR = 0.9212 CHF
CHF 6,420.58You 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.

Deutsche Bank

Pay via Bank transfer
Fee €37.05 1 EUR = 0.9186 CHF +0.55% vs mid-market Recipient gets CHF 6,396.14 Minutes - 5 days
0 reviews

Ways to receive money in Switzerland with Deutsche Bank when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
€37.051 EUR = 0.9186 CHF
CHF 6,396.14You pay€7,000.00

Wise

Pay via Debit card
Fee €86.72 1 EUR = 0.9236 CHF 0.00% vs mid-market Recipient gets CHF 6,385.45 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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 = 0.9236 CHF
CHF 6,385.45You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €79.00 1 EUR = 0.9212 CHF +0.27% vs mid-market Recipient gets CHF 6,375.90 Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€79.001 EUR = 0.9212 CHF
CHF 6,375.90You 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 = 0.9107 CHF +1.40% vs mid-market Recipient gets CHF 6,375.15 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 = 0.9107 CHF
CHF 6,375.15You pay€7,000.00

Wise

Pay via Credit card
Fee €128.80 1 EUR = 0.9236 CHF 0.00% vs mid-market Recipient gets CHF 6,346.58 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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 = 0.9236 CHF
CHF 6,346.58You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €9.99 1 EUR = 0.8660 CHF +6.44% vs mid-market Recipient gets CHF 6,062.00 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 = 0.8660 CHF
CHF 6,062.00You pay€7,009.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €9.99 1 EUR = 0.8660 CHF +6.44% vs mid-market Recipient gets CHF 6,062.00 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 = 0.8660 CHF
CHF 6,062.00You pay€7,009.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €9.99 1 EUR = 0.8660 CHF +6.44% vs mid-market Recipient gets CHF 6,062.00 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 = 0.8660 CHF
CHF 6,062.00You pay€7,009.99
How Our Results Work
Mid-market rate: 1 EUR = 0.9237 CHF Updates every 60 minutes.

How to send money from Germany to Switzerland

Pick a company

For a one-off transfer from Germany, I suggest picking the cheapest option which is Key Currency.

Key Currency was the cheapest on 27 of the 28 days it quoted €7,000 transfers to Switzerland.

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.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and iDEAL.

Verify and send

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.

Compare amounts

How much EUR are you sending to Switzerland?

How much EUR you send to Switzerland 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 95% of the transfers from €7,000 it quoted, and in 95% of all the transfers it quoted.

Cheapest service
€5500.44%€0.00CHF 505.63with debit card to bank deposit+CHF 11.22
€1,0000.26%€0.50CHF 920.82with bank transfer to bank deposit+CHF 19.46
€5,0000.30%€0.00CHF 4,601.27with bank transfer to bank deposit+CHF 78.88
€7,000This page0.25%€0.00CHF 6,449.50with bank transfer to bank deposit+CHF 85.59
€50,0000.16%€0.00CHF 46,090.00with bank transfer to bank deposit+CHF 577.02

Mid-market rate: 1 EUR = 0.9237 CHF

EUR/CHF Exchange Rate History

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

The cheapest way to send EUR to CHF 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 7,000 EUR transfers to Switzerland.

CHF received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rateCHF 6,465.67 Key Currency CHF 6,449.50 Deutsche Bank CHF 6,396.14Key CurrencyCHF 6,449.50Regency FXCHF 6,448.21TorFxCHF 6,446.27Extra cost of a bankCHF 53.36

6.350
6.400
6.450
6.500
6.550
6.600
6.650
At the mid-market rateWith the cheapest optionWith a bankKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9467 – CHF 6,627.14
Key Currency Cheapest 0.9444 €0.00 CHF 6,610.58 −CHF 16.56
Regency FX 0.9442 €0.00 CHF 6,609.25 −CHF 17.89
TorFx 0.9439 €0.00 CHF 6,607.26 −CHF 19.88
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9459 – CHF 6,621.54
Key Currency Cheapest 0.9436 €0.00 CHF 6,604.98 −CHF 16.56
Regency FX 0.9434 €0.00 CHF 6,603.66 −CHF 17.88
TorFx 0.9431 €0.00 CHF 6,601.67 −CHF 19.87
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9471 – CHF 6,629.90
Key Currency Cheapest 0.9448 €0.00 CHF 6,613.32 −CHF 16.58
Regency FX 0.9446 €0.00 CHF 6,612.00 −CHF 17.90
TorFx 0.9443 €0.00 CHF 6,610.01 −CHF 19.89
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9342 – CHF 6,539.43
Key Currency Cheapest 0.9319 €0.00 CHF 6,523.08 −CHF 16.35
Regency FX 0.9317 €0.00 CHF 6,521.77 −CHF 17.66
TorFx 0.9314 €0.00 CHF 6,519.81 −CHF 19.62
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9327 – CHF 6,528.77
Key Currency Cheapest 0.9304 €0.00 CHF 6,512.45 −CHF 16.32
Regency FX 0.9302 €0.00 CHF 6,511.15 −CHF 17.62
TorFx 0.9299 €0.00 CHF 6,509.19 −CHF 19.58
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9350 – CHF 6,544.84
Key Currency Cheapest 0.9326 €0.00 CHF 6,528.48 −CHF 16.36
Regency FX 0.9325 €0.00 CHF 6,527.17 −CHF 17.67
TorFx 0.9322 €0.00 CHF 6,525.20 −CHF 19.64
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9285 – CHF 6,499.37
Key Currency Cheapest 0.9262 €0.00 CHF 6,483.13 −CHF 16.24
Regency FX 0.9260 €0.00 CHF 6,481.83 −CHF 17.54
TorFx 0.9257 €0.00 CHF 6,479.88 −CHF 19.49
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9328 – CHF 6,529.68
Key Currency Cheapest 0.9305 €0.00 CHF 6,513.36 −CHF 16.32
Regency FX 0.9303 €0.00 CHF 6,512.05 −CHF 17.63
TorFx 0.9300 €0.00 CHF 6,510.09 −CHF 19.59
Deutsche Bank 0.9264 €37.05 CHF 6,450.49 −CHF 79.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9345 – CHF 6,541.66
Key Currency Cheapest 0.9322 €0.00 CHF 6,525.31 −CHF 16.35
Regency FX 0.9320 €0.00 CHF 6,524.00 −CHF 17.66
TorFx 0.9317 €0.00 CHF 6,522.04 −CHF 19.62
Deutsche Bank 0.9264 €37.05 CHF 6,450.49 −CHF 91.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9325 – CHF 6,527.63
Key Currency Cheapest 0.9302 €0.00 CHF 6,511.31 −CHF 16.32
Regency FX 0.9300 €0.00 CHF 6,510.00 −CHF 17.63
TorFx 0.9297 €0.00 CHF 6,508.04 −CHF 19.59
Deutsche Bank 0.9286 €37.05 CHF 6,465.86 −CHF 61.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9334 – CHF 6,533.60
Key Currency Cheapest 0.9310 €0.00 CHF 6,517.27 −CHF 16.33
Regency FX 0.9309 €0.00 CHF 6,515.96 −CHF 17.64
TorFx 0.9306 €0.00 CHF 6,514.00 −CHF 19.60
Deutsche Bank 0.9271 €37.05 CHF 6,455.02 −CHF 78.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9296 – CHF 6,507.14
Key Currency Cheapest 0.9273 €0.00 CHF 6,490.88 −CHF 16.26
Regency FX 0.9271 €0.00 CHF 6,489.57 −CHF 17.57
TorFx 0.9268 €0.00 CHF 6,487.62 −CHF 19.52
Deutsche Bank 0.9245 €37.05 CHF 6,437.25 −CHF 69.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9296 – CHF 6,507.14
Key Currency Cheapest 0.9273 €0.00 CHF 6,490.88 −CHF 16.26
Regency FX 0.9271 €0.00 CHF 6,489.57 −CHF 17.57
TorFx 0.9268 €0.00 CHF 6,487.62 −CHF 19.52
Deutsche Bank 0.9245 €37.05 CHF 6,437.25 −CHF 69.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9308 – CHF 6,515.51
Key Currency Cheapest 0.9285 €0.00 CHF 6,499.22 −CHF 16.29
Regency FX 0.9283 €0.00 CHF 6,497.92 −CHF 17.59
TorFx 0.9280 €0.00 CHF 6,495.96 −CHF 19.55
Deutsche Bank 0.9245 €37.05 CHF 6,437.25 −CHF 78.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9311 – CHF 6,518.00
Key Currency Cheapest 0.9288 €0.00 CHF 6,501.71 −CHF 16.29
Regency FX 0.9286 €0.00 CHF 6,500.40 −CHF 17.60
TorFx 0.9283 €0.00 CHF 6,498.45 −CHF 19.55
Deutsche Bank 0.9259 €37.05 CHF 6,447.00 −CHF 71.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9326 – CHF 6,528.53
Key Currency Cheapest 0.9303 €0.00 CHF 6,512.21 −CHF 16.32
Regency FX 0.9301 €0.00 CHF 6,510.90 −CHF 17.63
TorFx 0.9298 €0.00 CHF 6,508.94 −CHF 19.59
Deutsche Bank 0.9269 €37.05 CHF 6,454.30 −CHF 74.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9313 – CHF 6,519.30
Key Currency Cheapest 0.9290 €0.00 CHF 6,503.00 −CHF 16.30
Regency FX 0.9288 €0.00 CHF 6,501.70 −CHF 17.60
TorFx 0.9285 €0.00 CHF 6,499.75 −CHF 19.55
Deutsche Bank 0.9269 €37.05 CHF 6,454.30 −CHF 65.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9282 – CHF 6,497.35
Key Currency Cheapest 0.9259 €0.00 CHF 6,481.11 −CHF 16.24
Regency FX 0.9257 €0.00 CHF 6,479.81 −CHF 17.54
TorFx 0.9254 €0.00 CHF 6,477.86 −CHF 19.49
Deutsche Bank 0.9250 €37.05 CHF 6,440.79 −CHF 56.56
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 0.9262 €31.65 CHF 6,453.74 –
Deutsche Bank 0.9250 €37.05 CHF 6,440.79 –
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 0.9281 – CHF 6,496.79
Key Currency Cheapest 0.9258 €0.00 CHF 6,480.55 −CHF 16.24
Regency FX 0.9256 €0.00 CHF 6,479.25 −CHF 17.54
TorFx 0.9253 €0.00 CHF 6,477.30 −CHF 19.49
Deutsche Bank 0.9207 €37.05 CHF 6,410.79 −CHF 86.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9246 – CHF 6,472.14
Key Currency Cheapest 0.9223 €0.00 CHF 6,455.96 −CHF 16.18
Regency FX 0.9221 €0.00 CHF 6,454.67 −CHF 17.47
TorFx 0.9218 €0.00 CHF 6,452.73 −CHF 19.41
Deutsche Bank 0.9197 €37.05 CHF 6,403.52 −CHF 68.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9274 – CHF 6,491.51
Key Currency Cheapest 0.9250 €0.00 CHF 6,475.28 −CHF 16.23
Regency FX 0.9249 €0.00 CHF 6,473.98 −CHF 17.53
TorFx 0.9246 €0.00 CHF 6,472.03 −CHF 19.48
Deutsche Bank 0.9197 €37.05 CHF 6,403.52 −CHF 87.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9260 – CHF 6,481.79
Key Currency Cheapest 0.9237 €0.00 CHF 6,465.59 −CHF 16.20
Regency FX 0.9235 €0.00 CHF 6,464.29 −CHF 17.50
TorFx 0.9232 €0.00 CHF 6,462.34 −CHF 19.45
Deutsche Bank 0.9219 €37.05 CHF 6,418.81 −CHF 62.98
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9228 – CHF 6,459.27
Key Currency Cheapest 0.9204 €0.00 CHF 6,443.12 −CHF 16.15
Regency FX 0.9203 €0.00 CHF 6,441.83 −CHF 17.44
TorFx 0.9200 €0.00 CHF 6,439.89 −CHF 19.38
Deutsche Bank 0.9194 €37.05 CHF 6,401.77 −CHF 57.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9225 – CHF 6,457.50
Key Currency Cheapest 0.9202 €0.00 CHF 6,441.36 −CHF 16.14
Regency FX 0.9200 €0.00 CHF 6,440.06 −CHF 17.44
TorFx 0.9197 €0.00 CHF 6,438.13 −CHF 19.37
Deutsche Bank 0.9194 €37.05 CHF 6,401.77 −CHF 55.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9243 – CHF 6,469.96
Key Currency Cheapest 0.9220 €0.00 CHF 6,453.79 −CHF 16.17
Regency FX 0.9218 €0.00 CHF 6,452.49 −CHF 17.47
TorFx 0.9215 €0.00 CHF 6,450.55 −CHF 19.41
Deutsche Bank 0.9184 €37.05 CHF 6,394.74 −CHF 75.22
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 0.9242 €31.65 CHF 6,440.15 –
Deutsche Bank 0.9185 €37.05 CHF 6,395.47 –
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 0.9243 – CHF 6,470.30
Key Currency Cheapest 0.9220 €0.00 CHF 6,454.12 −CHF 16.18
Regency FX 0.9218 €0.00 CHF 6,452.83 −CHF 17.47
TorFx 0.9216 €0.00 CHF 6,450.89 −CHF 19.41
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9244 – CHF 6,470.46
Xe Cheapest 0.9228 €0.00 CHF 6,459.60 −CHF 10.86
Key Currency 0.9220 €0.00 CHF 6,454.28 −CHF 16.18
Regency FX 0.9219 €0.00 CHF 6,452.99 −CHF 17.47
TorFx 0.9216 €0.00 CHF 6,451.05 −CHF 19.41
Deutsche Bank 0.9198 €37.05 CHF 6,404.52 −CHF 65.94
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.9237 – CHF 6,465.67
Key Currency Cheapest 0.9214 €0.00 CHF 6,449.50 −CHF 16.17
Regency FX 0.9212 €0.00 CHF 6,448.21 −CHF 17.46
TorFx 0.9209 €0.00 CHF 6,446.27 −CHF 19.40
Deutsche Bank 0.9186 €37.05 CHF 6,396.14 −CHF 69.53

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

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 CHF per EUR 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 CHF on every transfer from Germany.

Right now, Key Currency pays 6,449.5 CHF on 7,000 EUR, which is 16.17 CHF less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 6,613.32 CHF.

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 Switzerland.

We've tracked 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Key CurrencyAppeared in 44 comparisons

    Cheapest in 95% of them

  2. Regency FXAppeared in 44 comparisons

    Never the cheapest

  3. TorFxAppeared in 58 comparisons

    Cheapest in 22% of them

  4. Deutsche BankAppeared in 85 comparisons

    Never the cheapest

Based on 94 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, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from Germany to Switzerland

There are 12 companies for sending money from Germany to Switzerland, across broker, online, app, multi-currency account, global account, in person, and bank, and more below.

Fastest and easiest way

Online and app transfers

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 6,436.32 CHF with a €31.65 fee and 0.01% markup.

In our comparisons over the past month, it was the cheapest online service on 26 of the 30 days it quoted.

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

In-person transfers

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.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

In general, online transfers are cheaper than sending cash to Switzerland.

For Euro transfers only

Banks

Inside the eurozone, banks use a SEPA transfer which is cheap or free and there's little reason to look further.

Outside the eurozone, banks like Deutsche Bank are much more expensive.

On a €7,000 transfer, Deutsche Bank delivers 6,396.14 CHF vs 6,449.5 CHF with Key Currency.

We found Deutsche Bank was the cheapest bank on 22 of the 22 days it appeared for this amount.

For large transfers from Germany

Currency brokers

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.

Our analysis shows Key Currency was the cheapest broker in 95% of the transfers from €7,000 it quoted.

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

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

Multi-currency accounts

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.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund EUR and receive CHF in Switzerland

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 6,449.5 CHF.

Our data shows that Key Currency gets your recipient 53.36 CHF more than Deutsche Bank, today's cheapest bank, on the same €7,000.

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 holder's 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.

  1. 1
    Bank transfer Bank deposit

    You pay €7,000.00

    fr.6,450

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay €7,000.00

    fr.6,433

    -fr.17

  3. 3
    Credit card Bank deposit

    You pay €7,000.00

    fr.6,433

    -fr.17

  4. 4
    iDEAL Bank deposit

    You pay €7,000.00

    fr.6,427

    -fr.23

  5. 5
    Bank transfer Cash pickup

    You pay €7,009.99

    fr.6,062

    -fr.388

Show moreShow less
  1. 6
    Debit card Cash pickup

    You pay €7,009.99

    fr.6,062

    -fr.388

  2. 7
    Credit card Cash pickup

    You pay €7,009.99

    fr.6,062

    -fr.388

Things to know before sending money from Germany to Switzerland

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.

Compare EUR/CHF transfer options

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 6,449.5 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 6,420.58 CHF in within minutes.

Transfers over €50,000 may get reported

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.

SEPA and SWIFT are different

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.

How we analyse the market

Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.

We then track 12 of them on EUR to Switzerland, comparing rates, fees and the pay-in and payout options.

In the past 30 days alone, we analysed 94 comparisons across 5 amounts.

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

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.