Compare all the best ways to send money to Liechtenstein

The exchange rate determines how much CHF the recipient will receive.

For instance, in the past 7 days average exchange rate between the US Dollar and the Swiss Franc was 0.7963 CHF.

Since USD - CHF exchange rates fluctuate based on market conditions, waiting a few days can result in a better rate and more CHF for your recipient.

If you urgently need the money in Liechtenstein, we recommend using Wise, which offers the best CHF exchange rates.

The cheapest way to fund your transfer to Liechtenstein is by using a bank transfer with Currencyflow, which is 0.01% cheaper than the next best option.

How you pay for your transfer impacts the cost, speed, and the amount of CHF received.

Based on a $7,000 transfer to Liechtenstein using our live data, the options you have are:

• A bank transfer with Currencyflow will cost you $0 in fees and a 0.26% markup

• Debit card transfer with costs $ with % markup

We recommend not using bank transfer when sending money to Liechtenstein, as they tend to be the most expensive.

Credit card transfers tend to add cash advance fees and might have higher interest rates on CHF.

Whenever possible, avoid sending CHF over the SWIFT network. Despite the name, CHF transfers over SWIFT are slower and come with higher fees.

Money transfer companies will often have minimum and maximum limits on how much CHF you can send.

Often, the amount will also impact the fees and the CHF rate you get.

For example, we found Wise to be the best option for sending large amounts to Liechtenstein.

There might also be government-imposed restrictions, commercial restrictions, and many more.

This is why it’s important to compare your transfer options to Liechtenstein.

The speed of transferring CHF to Liechtenstein depends on several factors, including the amount being sent, the timing of the transfer, and the chosen payment method.

Usually, the quicker you need your CHF, the more it will cost you in fees.

For example, consider a transfer of $7,000 from the US to Liechtenstein:

• Fastest provider: Among 5 companies servicing Liechtenstein, Currencyflow consistently offers the quickest delivery times across all deposit methods.

• Bank or debit card deposits: Services like Currencyflow for bank account deposits and for card deposits provide almost instant and cost-effective CHF transfers. Fees are approximately $0 for bank deposits and $ for debit card deposits, with a minimal % markup.

• Credit card deposits are another option, but be mindful of potential cash advance fees.

• Urgent transfers: For the fastest possible transfers, we recommend opting for cash pickup services through providers like Western Union or Ria Money.

Avoid making CHF transfers over SWIFT

SWIFT is slower for CHF transfers due to the involvement of intermediary banks in Liechtenstein, so it’s best to avoid it if speed is your priority.

For CHF transfers, you have the following options:

Money transfer companies

You can send Swiss Francs via an FX broker (a managed service) or via an online-only company (self-managed).

According to our analysis, we found that Wise is the overall best way to transfer money to Liechtenstein.

App

Most money transfer services to Liechtenstein offer mobile apps, which often provide better CHF exchange rates.

You can check our guide on the best money transfer apps to find one that fits your needs.

In-person

Cash transfers to Liechtenstein can be made in person through services like Ria Money Transfers or Western Union.

Cash transfers are almost always instant but require the recipient to physically visit the nearest agent to collect CHF.

Bank transfers

We advise you not to use your bank to wire money to LI because of the fees but rather use it to fund your CHF transfer.

There are several ways to receive money in Liechtenstein, including direct bank deposits, cash pickups, home deliveries, and mobile wallets.

Here are your options:

• Direct bank deposits: to deposit money into the recipient's account in Liechtenstein, we recommend using Currencyflow.

• Cash pickup: if you need immediate access to cash in Liechtenstein, consider using cash pickup, but check availability.

• Mobile wallets: you can receive CHF directly into your digital wallet like PayPal, but they come with limitations and higher costs compared to using Currencyflow.

In most cases, CHF will arrive without any involvement from the recipient.

However, if you’re sending Swiss Franc as cash, or in large amounts, the receiver might need the following*:

• Valid forms of ID: such as passport, or driver’s license.

• Sender's information: the full name and address.

• Transfer details: the amount of CHF to be received.

• Transfer confirmation number: the sender should give it to the recipient.

• SWIFT code / IBAN: sometimes you may need to include IBAN and/or the SWIFT code.

*The exact documents you need might vary by the company you use.

For larger Swiss Franc transfers, money transfer companies may ask for a source of funds and proof of address. This is done in accordance with AML policies.

If you’re making a large transfer to Liechtenstein, we recommend using Wise.

There might be tax implications and government-imposed limits when sending Swiss Francs to Liechtenstein.

Some CHF transfers may be subject to various taxes, including gift tax and commercial tax.

Even if there are no limits or taxation involved, certain CHF transfers need to be reported to the tax authorities in Liechtenstein.

When in doubt, please contact a tax professional in Liechtenstein or in your country.