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Compare the best ways to send money from Switzerland to Germany

Get the best deals when you transfer from Switzerland to Germany. Find the cheapest, fastest, and most reliable providers with the best exchange rates.

Read on for the best deals, expert information, and all you need to send money to Germany from Switzerland.

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Our recommended choice: Wise

Wise is our top choice for CHF to EUR transfers.

We tested the 8 largest providers and Wise stands out, winning in 49% of searches for its unbeatable mix of cost, speed, and user-friendliness.

Looking to send money from Switzerland to Germany? Wise will get the job done.

How to get the best deal on your Switzerland to Germany transfer

About money transfers to Germany from Switzerland

The best rated provider for transfers from Switzerland to Germany
Wise
Total number of CH - DE providers
8
Average cheapest provider for transfers to Germany from Switzerland
Regency FX
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for Bank Transfers
Regency FX
Best for Debit Card
Wise
Best for Credit Card
Wise

Sending money from Switzerland to Germany: key insights and tips

1
Compare providers

Don't settle for the first option. Always compare ways to send money from Switzerland to Germany to find out about fees, speed, and reliability.

Our analysis included 8 providers that operate between Switzerland and Germany, including Wise, Regency FX, and XE.

Through this, you get a comprehensive view of all the options you have in Switzerland when you need to send money to Germany.

2
Think about the Swiss Franc-Euro exchange rate
3
Choose the right payment method
4
Keep your money safe
5
Consider transfer limits
6
How to receive money in Germany
7
Have your ID ready
8
Don't forget about taxes

Cheap money transfer to Germany from Switzerland: Regency FX

Get the lowest fees with Regency FX - the cheapest transfer service at just $0 per transaction*

Data collected over the past six months show that Regency FX is 0% cheaper than the second best option.

The $0 transfer cost represents the most common fee for CHF to EUR international transfers, based on data from the past six months.

If you want to secure the best rates on a CHF to Germany transfer, make sure you pick Regency FX to send your money online.

*The most common fee applied to CHF-EUR by Regency FX, calculated based on data from the past six months.

Fastest ways to send money from Switzerland to Germany: Wise

Need to send money fast? Pick Wise and get your funds from Switzerland to Germany yesterday.

Data shows that Wise came up as the fastest way to send money from Switzerland to Germany in 73.5% of our searches, proving they are the best at handling urgent online money transfers.

The 'fastest' way to send money is defined by the overall speed of sending money from Switzerland to Germany - this includes deposit, transfer and withdrawal timeframes and often differs per currency. 


Although Wise is the quickest way to send money to Germany from Switzerland, the average cost of this service is $35.02.

If you don’t need to get your money to Germany in 1 day, remember that Regency FX is the one that helps you save most.

But when speed matters, Wise should always be your go-to choice.

Need to send over $10,000?

For those big moves, going specialist is key.

Opt for a service that specializes in large transfers when size matters. For transfers over $10,000, your best bet is Wise.


While Wise may not be the cheapest or fastest way to send CHF from Switzerland to Germany, it’s the provider that will keep you safe and relax while your money moves and becomes EUR.

Understanding your money transfer costs: Switzerland to Germany

When it comes to calculating the costs of money transfers between Switzerland and Germany, here's what really matters:

The Mid-Market Rate: Today, the CHF-EUR mid-market rate equals to 1.021123. Keep in mind that this rate fluctuates all the time.

The AUD-JPY average exchange rate of the past three months has been 1.0561, with a highest of 1.0785 and a lowest of 1.0215.

When in doubt, use Wise. On average, Wise hovers just -0.02% above the mid-market rate.

Fees and Markups: That's where Wise shines, combining the best of both worlds: excellent CHF to EUR rates that are only -0.02% away from the average. That's savvy transferring for you.

How to find the best exchange rate for Swiss Franc to Euro

Timing is everything when it comes to sending money between CHF and EUR. The exchange rate you secure impacts how much EUR you get for your CHF.

Mid-market Rate
1
= 1.020619 EUR

Let's dive into some interesting recent trends.

  • Over the past six months, the exchange rate from CHF to EUR has seen some fluctuation. On average, it stood at 1.0561.

  • During this time, the highest value on records has been 1.0785, while the lowest has been 1.0215.

  • Wise, which is our recommended service to send money online from Switzerland to Germany offers an exchange rate that 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!

What payment methods are available when sending money from Switzerland to
Germany?

  • Sending bank transfers from Switzerland to Germany

    Bank transfers are often the go-to when it comes to sending money from Switzerland to Germany - but they are expensive and slow.

    Using Regency FX for sending money online from Switzerland to Germany, you can save a lot of money on fees. With an average fee of $0 to send money from Switzerland to Germany, Regency FX offers a great combination of competitive exchange rates and lower fees.


    It is best to use your bank to send money with Regency FX, as this offers the best service to send CHF to Germany with this payment method.

    In the past six months Regency FX received an impressive 50.8% recommendation rate for bank transfers payments between Switzerland and Germany.

  • Sending money from Switzerland to Germany by credit card

    When it comes to credit card transfers, Wise is our top choice.

    Our comparison engine's last six months of data on CHF to EUR searches show they've been ranked as the best provider. They have an impressive 30.7% recommendation rate for this payment method.

  • Sending money from Switzerland to Germany by debit and prepaid cards

    Sending money from Switzerland to Germany with a debit or a prepaid card is very simple with Wise.


    Wise is a leader in debit card payments for transfers from Switzerland to Germany. They consistently rank at the top in this category.


    Our data show that Wise proved to be the best in this service with a 31.4% recommendation rate over the past six months.

Why trust our suggestions?

We compared 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.

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.

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Contributors

Giovanni Angioni
Giovanni Angioni, a journalist specialized in financial and political topics, has written for well-known outlets like La Stampa, Repubblica, the Economist, and Politico. His background in political sciences complements his extensive experience in covering major international events such as ASEAN and NATO summits, and European Council meetings. His insightful approach to global finance and politics enriches his role at MoneyTransfers.com, where he focuses on making personal finance relatable and understandable for a broad audience.