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

Get the best deals on transfers from Switzerland to Germany. Find the cheapest, fastest, and best rated providers with the most competitive CHF to EUR exchange rates.

Read on for analysis and insights on the best ways to send money to Germany from Switzerland.

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July 5th, 2025
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Best money transfer companies

Send money from Switzerland to Germany

Last updated: Today
Mid-market rate as of 07/05/2025: 1 CHF = 1.06876 EUR
Results below are based on a 6000 CHF search
0 of 13 providers
Sponsored
Wise
Recipient gets (EUR)
€6,397.33
Full transfer details
Visit Wise
€177 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (EUR)
€6,276.00
Full transfer details
Visit Xe
€56 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
1
Wise
Recipient gets (EUR)
€6,397.33
Full transfer details
Visit Wise
€177 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Exclusive: Special Rate for 1st Transfer
2
Key Currency
Recipient gets (EUR)
€6,396.53
Full transfer details
Visit Key Currency
€176 better than a typical bank*

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: Special Rate for 1st Transfer
3
Currencyflow
Recipient gets (EUR)
€6,395.89
Full transfer details
Visit Currencyflow
€176 better than a typical bank*

"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."

Personal account manager
Multi-currency card
Receive to bank account
Support via email, phone, live chat + WhatsApp
Exclusive: First Transfer Deal
4
Regency FX
Recipient gets (EUR)
€6,395.25
Full transfer details
Visit Regency FX
€175 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Rate match guarantee (T&Cs apply)
5
TorFx
Recipient gets (EUR)
€6,393.32
Full transfer details
Visit TorFx
€173 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
6
Currencies Direct
Recipient gets (EUR)
€6,381.60
Full transfer details
Visit Currencies Direct
€161 better than a typical bank*

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Personal account manager
Multi-currency card
Receive to bank account
7
CurrencyFair
Recipient gets (EUR)
€6,379.80
Full transfer details
Visit CurrencyFair
€160 better than a typical bank*

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Personal account manager
Multi-currency card
Receive to bank account
8
OFX
Recipient gets (EUR)
€6,330.00
Full transfer details
Visit OFX
€110 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
9
Xe
Recipient gets (EUR)
€6,276.00
Full transfer details
Visit Xe
€56 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Revolut
Recipient gets (EUR)
€6,380.54
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • HSBC
    HSBC
    Recipient gets (EUR)
    €6,193.81
    Not recommended
Sponsored
Wise
Recipient gets (EUR)
€6,397.33
Full transfer details
Visit Wise
€177 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (EUR)
€6,276.00
Full transfer details
Visit Xe
€56 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Our recommendation: Wise

Wise is our top choice for CHF to EUR transfers.

We tested & reviewed 13 money transfer providers offering money transfers from Switzerland to Germany, and Wise scored highly.

Sending 6,000 CHF to EUR will cost you fr.14.98 in fees, and you will receive 6,397.33 EUR. The delivery time usually is next day, but it depends on the day you make the transfer.

For a great mix of cost, speed & features, we recommend making your Switzerland to Germany transfer using Wise.

Wise is the top rated company for sending money from Switzerland (CHF) to Germany (EUR) - Wise Screenshot

Compare for the best deal on your Switzerland to Germany transfer

Summary of recent searches

Top rated for transfers from Switzerland to Germany
Wise
Total number of CH - DE providers
13
Average cheapest fees & rate
Wise
Average fastest transfer
Currencyflow
Average transfer time
Within minutes
Best for bank transfers
Wise
Best for debit card
Xe

Get the most from sending money from Switzerland to Germany

1
Compare providers

Comparing providers offering services between Switzerland and Germany based on your specific transfer amount, is the easiest way to get the best price on your transfer.

We cover the entire CHF-EUR market and have compared 13 providers offering services between Switzerland and Germany.

This ensures you will get the most comprehensive options for sending Swiss Franc to Germany.

Whilst we rate Wise as the best overall for transfers between the two countries, comparing gives you the best idea for your specific Switzerland to Germany transfer needs.

2
Beat the Swiss Franc-Euro exchange rate
3
Choose the right payment method
4
Financial regulations across Switzerland and Germany
5
Consider minimum and maximum limits
6
Receiving money in Germany
7
Be ready with your ID
8
Tax declarations

Cheapest way to transfer money to Germany from Switzerland: Wise

Wise offers a combination of the lowest fees and best exchange rates - making it the cheapest transfer service for sending Swiss Franc to Germany.

Of the 13 providers compared, data shows that Wise is 0.01% cheaper than the second-best option.

The is cost is made up of an average CHF-EUR exchange rate that is -0.01% different to the mid-market rate and an average fee of 14.98* CHF.

If you want to secure the best rates on a CHF to Germany transfer, Wise will result in the most Euro received.

Wise is the cheapest way to send money from Switzerland (CHF) to Germany (EUR) - Wise Screenshot

Fastest company to send money to Germany from Switzerland: Currencyflow.

We compared 13 companies for fast transfers from Swiss Francs to Germany and Currencyflow came out on top.

For example, if you send 6,000 CHF with Currencyflow to Germany now, the transfer time is minutes - 24 hours. Smaller transfers will likely be quicker, while larger transfers to Germany can take slightly longer.

Sending money through Currencyflow to Germany from Switzerland has a fee of 0 CHF.

To understand who was the fastest, we tested Currencyflow as part of 13 money transfer providers. Within this, we looked at the overall speed of sending money from Switzerland to Germany. This was made up of transfer times to Germany after Swiss Francs were added to a money transfer account.

When fast money transfers between Switzerland and Germany are a priority, Currencyflow is our recommended choice.

Currencyflow is the fastest way to send money from Switzerland (CHF) to Germany (EUR) - Currencyflow Screenshot

Sending a large amount of money?

For big transfers from Switzerland to Germany, competitive pricing & strong customer service are essential.

Of the
13 providers compared, Wise is the best rated for higher transfer amounts.

Sending large amounts of money can be expensive, and while Wise may not always be the fastest or cheapest way to send money from Switzerland to Germany, it's a great provider for things like buying or selling property.

Understanding the costs involved when transferring money from Switzerland to Germany

When calculating the costs of money transfers between Switzerland and Germany, opt for the best combination of fees and exchange rates:

The Mid-Market and Exchange Rates: Today, the CHF-EUR mid-market rate equals 1.0691 EUR per Swiss Franc.

  • For reference, the CHF-EUR average mid-market rate for the past 7 days has been 1.0704 EUR per Swiss Franc, with a high of 1.0715 and a low of 1.0688.

  • The company offering the best exchange rate is Wise.

  • Often the CHF-EUR exchange rate you receive is the bigger factor than how much it costs to send Swiss Francs to Germany.

Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Wise, cahrging 14.98 CHF per transfer. We would recommend searching for your exact send amount to get an idea of fees.

Amount Received: The amount received in Euro is the biggest indicator the total cost of sending money from Switzerland to Germany. Essentially, the more the recipient receives in Germany, the less it is costing to send from Switzerland.

Finding the best exchange rate between Swiss Franc and Euro

Getting a strong exchange rate between CHF and EUR is essential. The exchange rate you secure impacts how much EUR you get for your CHF.

Mid-market Rate
1 
=
1.069056 
EUR

It can pay to track rates, and keep on top of currency trends.

  • In the past 7 days, the mid-market rate from CHF to EUR has averaged 1.0704.

  • In this period there was a high of 1.0715, and a low of 1.0688.

  • Wise, which is our recommended service to send money online from Switzerland to Germany offers 1.0689 EUR per CHF which is only -0.01% above the mid-market rate.

Want to secure the best CHF-Euro exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Switzerland to Germany!

Paying for your Switzerland to
Germany transfer

  • Bank transfers

    Paying via a bank transfer is often the better option for sending money from Switzerland to Germany.

    By using a money transfer company such as Wise for transfers from Switzerland to Germany, you can send money and while benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    On average, Wise is the cheapest provider for bank transfers from the 13 we tested when sending CHF to Germany.

    With a fee of 14.98 CHF to send money from Switzerland to Germany, Wise offers the best combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from Switzerland to Germany with a debit or a prepaid card is easy with Xe.


    Xe is a one of the better options in the market for international debit card transfers from Switzerland to Germany.

  • 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.

    Be aware of fees: using a credit card to transfer money can mean being charged for a cash advance by your card provider. We always recommend a bank transfer or debit card payment if it is a possibility.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Germany and Switzerland.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Switzerland to Germany.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send CHF to EUR.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

How much money can be transferred from Switzerland to Germany?
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Can I send money from Switzerland to Germany with MoneyTransfers.com?
What are the typical transfer fees for sending Swiss Francs to Germany through various providers?
How long does it take to send money from Switzerland to Germany?
What is the best exchange rate I can get for sending money from Switzerland to Germany?
Are there any minimum or maximum transfer amounts for sending money from Switzerland to Germany?
Can I schedule regular transfers between Switzerland and Germany?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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