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

The cheapest option overall is Wise, giving your recipient 6,481.84 EUR when you send CHF 6,000.

Below we’ve compared 7 ways to send money from Switzerland to Bulgaria.

Best companies for CHF/EUR transfers

7 of 7 providers

Last updated on 28 October 2026

Based on 6,000 CHF transfer

Best companies for CHF/EUR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee CHF 14.98 1 CHF = 1.0830 EUR 0.00% vs mid-market Recipient gets €6,481.84 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
CHF 14.981 CHF = 1.0830 EUR
€6,481.84You payCHF 6'000.00
Promoted

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 1.0788 EUR +0.39% vs mid-market Recipient gets €6,472.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 1.0788 EUR
€6,472.80You payCHF 6'000.00

Run a live search

Showing top Switzerland to Bulgaria deals for 6,000 CHF. Do a live search with your exact amount for today's best rates.

Wise

Pay via Bank transfer
Fee CHF 14.98 1 CHF = 1.0830 EUR 0.00% vs mid-market Recipient gets €6,481.84 Within minutes
CheapestRecommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
CHF 14.981 CHF = 1.0830 EUR
€6,481.84You payCHF 6'000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 1.0801 EUR +0.27% vs mid-market Recipient gets €6,480.37 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 1.0801 EUR
€6,480.37You payCHF 6'000.00

TorFx

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 1.0797 EUR +0.30% vs mid-market Recipient gets €6,478.42 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 1.0797 EUR
€6,478.42You payCHF 6'000.00

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 1.0788 EUR +0.39% vs mid-market Recipient gets €6,472.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 1.0788 EUR
€6,472.80You payCHF 6'000.00

OFX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 1.0776 EUR +0.50% vs mid-market Recipient gets €6,465.43 Minutes - 24 hours
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 1.0776 EUR
€6,465.43You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee CHF 47.50 1 CHF = 1.0821 EUR +0.08% vs mid-market Recipient gets €6,441.12 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 47.501 CHF = 1.0821 EUR
€6,441.12You 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.

Xe

Pay via Debit card
Fee CHF 36.00 1 CHF = 1.0790 EUR +0.37% vs mid-market Recipient gets €6,435.16 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 1.0790 EUR
€6,435.16You payCHF 6'000.00

Xe

Pay via Credit card
Fee CHF 36.00 1 CHF = 1.0790 EUR +0.37% vs mid-market Recipient gets €6,435.16 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 1.0790 EUR
€6,435.16You payCHF 6'000.00

Moneycorp

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 1.0678 EUR +1.40% vs mid-market Recipient gets €6,406.95 Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 CHF = 1.0678 EUR
€6,406.95You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee CHF 89.50 1 CHF = 1.0821 EUR +0.08% vs mid-market Recipient gets €6,395.67 Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 89.501 CHF = 1.0821 EUR
€6,395.67You 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 = 1.0830 EUR Updates every 60 minutes.

How to send money from Switzerland to Bulgaria

Pick a company

Start with the cheapest, which is Wise at 6,481.84 EUR for a CHF 6,000 transfer.

Wise was the cheapest on 27 of the 30 days it quoted fr.6,000 transfers to Bulgaria.

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 Bulgaria?

How much CHF you send to Bulgaria 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 Wise was the cheapest in 92% of the transfers from CHF 6,000 it quoted, and in 75% of all the transfers it quoted.

Cheapest service
CHF 1'0000.07%CHF 0.00€1,081.96with bank transfer to bank deposit+€14.88
CHF 5'0000.00%CHF 12.68€5,398.97with bank transfer to bank deposit+€45.88
CHF 6'000This page0.00%CHF 14.98€6,481.84with bank transfer to bank deposit+€32.55
CHF 25'000-0.02%CHF 54.41€27,006.10with bank transfer to bank deposit+€134.42

Mid-market rate: 1 CHF = 1.0830 EUR

CHF/EUR Exchange Rate History

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

The cheapest way to send CHF to EUR 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 Wise), across 30 days of comparisons for 6,000 CHF transfers to Bulgaria.

EUR received for CHF 6'000, after fees

Wed, 28 Oct 2026Mid-market rate€6,497.92 Wise €6,481.84Wise€6,481.84Regency FX€6,480.37TorFx€6,478.42

6'300
6'350
6'400
6'450
6'500
6'550
At the mid-market rateWith the cheapest optionWiseRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 1.0574 CHF 14.98 €6,328.32 –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0572 – €6,343.47
Wise Cheapest 1.0572 CHF 14.98 €6,327.30 −€16.17
Regency FX 1.0544 CHF 0.00 €6,326.34 −€17.13
TorFx 1.0541 CHF 0.00 €6,324.44 −€19.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0604 – €6,362.44
Wise Cheapest 1.0605 CHF 14.98 €6,347.11 −€15.33
Regency FX 1.0575 CHF 0.00 €6,345.26 −€17.18
TorFx 1.0572 CHF 0.00 €6,343.35 −€19.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0732 – €6,438.97
Wise Cheapest 1.0731 CHF 14.98 €6,422.41 −€16.56
Regency FX 1.0703 CHF 0.00 €6,421.58 −€17.39
TorFx 1.0699 CHF 0.00 €6,419.65 −€19.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0722 – €6,433.06
Wise Cheapest 1.0721 CHF 14.98 €6,416.54 −€16.52
Regency FX 1.0693 CHF 0.00 €6,415.69 −€17.37
TorFx 1.0690 CHF 0.00 €6,413.76 −€19.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0695 – €6,417.27
Wise Cheapest 1.0721 CHF 14.98 €6,416.54 −€0.73
Regency FX 1.0667 CHF 0.00 €6,399.94 −€17.33
TorFx 1.0663 CHF 0.00 €6,398.02 −€19.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0769 – €6,461.69
Wise Cheapest 1.0768 CHF 14.98 €6,444.85 −€16.84
Regency FX 1.0740 CHF 0.00 €6,444.25 −€17.44
TorFx 1.0737 CHF 0.00 €6,442.31 −€19.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0702 – €6,421.03
Wise Cheapest 1.0703 CHF 14.98 €6,405.89 −€15.14
Regency FX 1.0673 CHF 0.00 €6,403.70 −€17.33
TorFx 1.0670 CHF 0.00 €6,401.77 −€19.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0715 – €6,429.08
Wise Cheapest 1.0717 CHF 14.98 €6,414.15 −€14.93
Regency FX 1.0686 CHF 0.00 €6,411.72 −€17.36
TorFx 1.0683 CHF 0.00 €6,409.79 −€19.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0721 – €6,432.62
Wise Cheapest 1.0721 CHF 14.98 €6,416.54 −€16.08
Regency FX 1.0692 CHF 0.00 €6,415.25 −€17.37
TorFx 1.0689 CHF 0.00 €6,413.32 −€19.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0723 – €6,433.71
Wise Cheapest 1.0722 CHF 14.98 €6,417.20 −€16.51
Regency FX 1.0694 CHF 0.00 €6,416.34 −€17.37
TorFx 1.0691 CHF 0.00 €6,414.41 −€19.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0757 – €6,454.45
Regency FX Cheapest 1.0728 CHF 0.00 €6,437.02 −€17.43
Wise 1.0754 CHF 14.98 €6,436.17 −€18.28
TorFx 1.0725 CHF 0.00 €6,435.08 −€19.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0757 – €6,454.45
Regency FX Cheapest 1.0728 CHF 0.00 €6,437.02 −€17.43
Wise 1.0754 CHF 14.98 €6,436.17 −€18.28
TorFx 1.0725 CHF 0.00 €6,435.08 −€19.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0730 – €6,438.02
Wise Cheapest 1.0733 CHF 14.98 €6,423.42 −€14.60
Regency FX 1.0701 CHF 0.00 €6,420.64 −€17.38
TorFx 1.0698 CHF 0.00 €6,418.70 −€19.32
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 1.0735 CHF 14.98 €6,425.16 –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0725 – €6,434.80
Wise Cheapest 1.0725 CHF 14.98 €6,418.93 −€15.87
Regency FX 1.0696 CHF 0.00 €6,417.43 −€17.37
TorFx 1.0692 CHF 0.00 €6,415.50 −€19.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0762 – €6,457.27
Wise Cheapest 1.0762 CHF 14.98 €6,441.02 −€16.25
Regency FX 1.0733 CHF 0.00 €6,439.83 −€17.44
TorFx 1.0730 CHF 0.00 €6,437.89 −€19.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0786 – €6,471.63
Wise Cheapest 1.0786 CHF 14.98 €6,455.62 −€16.01
Regency FX 1.0757 CHF 0.00 €6,454.16 −€17.47
TorFx 1.0754 CHF 0.00 €6,452.22 −€19.41
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0775 – €6,464.73
Wise Cheapest 1.0797 CHF 14.98 €6,462.27 −€2.46
Regency FX 1.0745 CHF 0.00 €6,447.28 −€17.45
TorFx 1.0742 CHF 0.00 €6,445.34 −€19.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0775 – €6,464.73
Wise Cheapest 1.0797 CHF 14.98 €6,462.27 −€2.46
Regency FX 1.0745 CHF 0.00 €6,447.28 −€17.45
TorFx 1.0742 CHF 0.00 €6,445.34 −€19.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0818 – €6,490.75
Wise Cheapest 1.0817 CHF 14.98 €6,474.12 −€16.63
Regency FX 1.0789 CHF 0.00 €6,473.23 −€17.52
TorFx 1.0785 CHF 0.00 €6,471.28 −€19.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0788 – €6,472.55
Wise Cheapest 1.0787 CHF 14.98 €6,455.98 −€16.57
Regency FX 1.0758 CHF 0.00 €6,455.08 −€17.47
TorFx 1.0755 CHF 0.00 €6,453.14 −€19.41
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0811 – €6,486.71
Wise Cheapest 1.0811 CHF 14.98 €6,470.64 −€16.07
Regency FX 1.0782 CHF 0.00 €6,469.20 −€17.51
TorFx 1.0779 CHF 0.00 €6,467.25 −€19.46
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0861 – €6,516.47
Regency FX Cheapest 1.0831 CHF 0.00 €6,498.88 −€17.59
Wise 1.0858 CHF 14.98 €6,498.77 −€17.70
TorFx 1.0828 CHF 0.00 €6,496.92 −€19.55
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 1.0855 CHF 14.98 €6,496.62 –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0819 – €6,491.54
Wise Cheapest 1.0820 CHF 14.98 €6,475.91 −€15.63
Regency FX 1.0790 CHF 0.00 €6,474.01 −€17.53
TorFx 1.0787 CHF 0.00 €6,472.06 −€19.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0819 – €6,491.54
Wise Cheapest 1.0820 CHF 14.98 €6,475.91 −€15.63
Regency FX 1.0790 CHF 0.00 €6,474.01 −€17.53
TorFx 1.0787 CHF 0.00 €6,472.06 −€19.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0801 – €6,480.80
Wise Cheapest 1.0801 CHF 14.98 €6,464.72 −€16.08
Regency FX 1.0772 CHF 0.00 €6,463.30 −€17.50
TorFx 1.0769 CHF 0.00 €6,461.36 −€19.44
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0821 – €6,492.78
Wise Cheapest 1.0820 CHF 14.98 €6,475.55 −€17.23
Regency FX 1.0792 CHF 0.00 €6,475.25 −€17.53
TorFx 1.0789 CHF 0.00 €6,473.30 −€19.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.0830 – €6,497.92
Wise Cheapest 1.0830 CHF 14.98 €6,481.84 −€16.08
Regency FX 1.0801 CHF 0.00 €6,480.37 −€17.55
TorFx 1.0797 CHF 0.00 €6,478.42 −€19.50

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 EUR 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 EUR on every transfer from Switzerland.

Right now, Wise pays 6,481.84 EUR on 6,000 CHF, which is 16.08 EUR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 6,498.88 EUR.

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 Bulgaria.

We've tracked 106 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

  1. WiseAppeared in 106 comparisons

    Cheapest in 75% of them

  2. Regency FXAppeared in 70 comparisons

    Cheapest in 7% of them

  3. TorFxAppeared in 70 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 Wise is the cheapest and gets you the most EUR, and it was also the cheapest in 75% of the 106 comparisons it appeared in over the past month.

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

Regency FX (today's second cheapest) was the cheapest in only 7% of its comparisons, so it's rarely the cheapest option for transfers to Bulgaria.

Ways to send money from Switzerland to Bulgaria

7 companies send money from Switzerland to Bulgaria, across broker, online, app, global account, and multi-currency 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 6,481.84 EUR.

The fee is 14.98 CHF, with a 0% markup on top of the CHF/EUR rate.

In our comparisons over the past month, it was the cheapest online service on 30 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 EUR (be it payments or travelling).

Wise converts CHF 6,000 with a 0% exchange-rate markup and lets you hold CHF and EUR 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.14.98 on a fr.6,000 transfer, and the money lands within an hour.

Over the past month, Wise was the cheapest app on 100% of the days it appeared for fr.6,000 transfers.

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

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 Bulgaria or moving your wealth, a broker like Regency FX charges no fee and works on a margin instead (0.27% on CHF/EUR).

I suggest , since the more EUR you send the better rate you get.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from CHF 6,000 it quoted.

Brokers charge no fees, so settle with the one that gives you the best CHF/EUR rate.

For companies paying across borders

Global accounts

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

A global account lets you hold EUR 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 EUR in Bulgaria

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 6,481.84 EUR.

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 Bulgaria.

In Bulgaria, they can get EUR delivered as bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay fr.6,000.00

    €6,482

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay fr.6,000.00

    €6,435

    -€47

  3. 3
    Credit card Bank deposit

    You pay fr.6,000.00

    €6,435

    -€47

Things to know before sending CHF to Bulgaria

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/EUR transfer options

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

Cheapest way to send money to Bulgaria

The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,481.84 EUR, which is 0.02% more than the next best option.

Fastest way to send money to Bulgaria

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 6,441.12 EUR 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 EUR 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 7 of them sending CHF to Bulgaria, 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/EUR 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.