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How to send money to Switzerland from South Africa with the best ZAR-CHF rate

Compare the best ways to send money from South Africa to Switzerland. Explore the fastest, cheapest, and most reliable providers with the best ZAR to CHF exchange rates.

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

Transferring the other way? Send CHF from Switzerland to South Africa instead.
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July 3rd, 2025
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Best money transfer companies

Send money from South Africa to Switzerland

Last updated: Today
Mid-market rate as of 07/03/2025: 1 ZAR = 0.045073 CHF
Results below are based on a 130000 ZAR search
0 of 9 providers
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (CHF)
CHF 5,841.91
Full transfer details
Visit TorFx
CHF 158 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
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (CHF)
CHF 5,843.67
Full transfer details
Visit Regency FX
CHF 160 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
Live Rates
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (CHF)
CHF 5,844.84
Full transfer details
Visit Key Currency
CHF 161 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
2
Currencyflow
Recipient gets (CHF)
CHF 5,844.26
Full transfer details
Visit Currencyflow
CHF 161 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
3
Regency FX
Recipient gets (CHF)
CHF 5,843.67
Full transfer details
Visit Regency FX
CHF 160 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)
4
TorFx
Recipient gets (CHF)
CHF 5,841.91
Full transfer details
Visit TorFx
CHF 158 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
5
Currencies Direct
Recipient gets (CHF)
CHF 5,820.10
Full transfer details
Visit Currencies Direct
CHF 136 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
6
CurrencyFair
Recipient gets (CHF)
CHF 5,812.20
Full transfer details
Visit CurrencyFair
CHF 128 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
7
OFX
Recipient gets (CHF)
CHF 5,810.87
Full transfer details
Visit OFX
CHF 127 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
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.
Lumon
Recipient gets (CHF)
CHF 5,800.90
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (CHF)
CHF 5,841.91
Full transfer details
Visit TorFx
CHF 158 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
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (CHF)
CHF 5,843.67
Full transfer details
Visit Regency FX
CHF 160 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

Overall best way: Currencies Direct

Currencies Direct is our recommended company for ZAR to CHF transfers.

Currencies Direct scored the highest of the 9 money transfer companies supporting ZAR to CHF transfers.

For example, sending 130,000 ZAR to CHF will cost you R0 in fees, and the recipient will get 5,820.1 CHF. The delivery time is minutes - 24 hours.

For a great mix of cost, speed & features, we advise using Currencies Direct for your South Africa to Switzerland transfer.

Currencies Direct is the top rated company for sending money from South Africa (ZAR) to Switzerland (CHF) - Currencies Direct Screenshot 1
Currencies Direct is the top rated company for sending money from South Africa (ZAR) to Switzerland (CHF) - Currencies Direct Screenshot 2

How to compare deals on South Africa to Switzerland money transfers

Summary of recent searches

Top rated for transfers from South Africa to Switzerland
Currencies Direct
Total number of ZA - CH providers
9
Average cheapest fees & rate
Key Currency
Average fastest transfer
Currencyflow
Average transfer time
Within minutes
Best for bank transfers
Key Currency

Sending money from South Africa to Switzerland considerations

1
Compare providers

A comparison of providers offering services between South Africa and Switzerland is the easiest way to ensure the best deal.

We've compared 9 providers that offer services for sending Rand to Switzerland.

This ensures you will get the best options for your transfer to Switzerland from South Africa.

Whilst we rate Currencies Direct as the best overall, comparing gives you a comprehensive view of all the options for transferring money from South Africa to Switzerland.

2
Get the most from the Rand-Swiss Franc exchange rate
3
Choose the right payment method
4
Financial regulations in South Africa and Switzerland
5
Consider transfer limits
6
How to receive money
7
Have your ID ready
8
Tax declarations

Cheapest way to send money from South Africa to Switzerland: Key Currency

We compared 9 money transfer companies and Key Currency offers the cheapest transfer service between South Africa and Switzerland.

We found that Key Currency fees were 0 ZAR per transfer, and customers would expect an exchange rate between ZAR-CHF that is 0.25% different to the mid-market rate

Against the others tested, Key Currency is 0.01% cheaper than the second-best option.

To secure a cheap way to transfer ZAR to Switzerland, Key Currency is our recommendation.

Key Currency is the cheapest way to send money from South Africa (ZAR) to Switzerland (CHF) - Key Currency Screenshot

Fastest way to send money from South Africa to Switzerland: Currencyflow.

Currencyflow is the quickest way to send Rand to Switzerland of the 9 companies offering the service.

Based on a R130,000 transfer, Currencyflow transfer time for ZAR-CHF transfers is minutes - 24 hours.

Using Currencyflow for fast transfers from South Africa to Switzerland has a fee of 0 ZAR.

Within our comparison we looked at the 9 money transfer providers offering transfers from South Africa to Switzerland. Within this we looked at overall speed of sending money from South Africa to Switzerland after depositing Rand to a money transfer account.

When faster money transfers are a priority, Currencyflow is our recommended choice for sending into Switzerland from South Africa.

Currencyflow is the fastest way to send money from South Africa (ZAR) to Switzerland (CHF) - Currencyflow Screenshot

Send large sums of money abroad with Currencies Direct

Transferring bigger amounts of money to Switzerland from South Africa needs a strong exchange rate and effective transfer management.

From the
9 options we compared, Currencies Direct offers the strongest all-round option for large transfers to Switzerland from South Africa.

Whatever the reason, sending large sums of money can be expensive if you get a bad exchange rate from Swiss Francs to Swiss Franc.

As such, we recommend Currencies Direct for large Switzerland transfers.

Understanding the cost of sending money to Switzerland from South Africa

The cost of sending money from Switzerland to Switzerland, is made-up of a combination of fees and exchange rates:

The Mid-Market and Exchange Rates: The mid-market rate determines a mid-price for buying currency. The current mid-market rate from ZAR-CHF is 0.0455 CHF per Rand.

  • Finding a provider offering an exchange as close to 0.0455 as possible will ensure more Swiss Franc received when transferring.

  • For context, the ZAR-CHF mid-market rate for the past 7 days has averaged 0.045 CHF per Rand. This includes a high of 0.0454, and low of 0.0447.

  • Key Currency currently offers the best exchange rate on transfers from South Africa to Switzerland.

For the most part the ZAR-CHF exchange rate you receive is the biggest factor impacting the cost of sending ZAR to Switzerland.

Fees: Outside of exchange rates, you may need to pay a fee to send. Key Currency currently offers the lowest fees on transfers to Switzerland from South Africa. They charge 0 ZAR per transfer.

Although this does include large transfers as well, we recommend searching for your exact send amount for an exact fee.

Amount Received: The amount received in Swiss Franc is the amount you started with, minus the amount you paid in the exchange and fees.

The better deal you get on exchanging Rands to CHF, paired with a low fee, means a higher total amount received in Switzerland.

Getting best exchange rate for transfers between Rand and Swiss Franc

Timing is essential for transferring money between ZAR and CHF. The exchange rate you secure impacts how much CHF you get for your ZAR.

Mid-market Rate
1 
=
0.045459 
CHF

The recent trends between the currencies are:

  • Over the past 7 days, the mid-market rate from ZAR to CHF has moved slightly. On average, it was 0.045.

  • During this same period,there was a high of 0.0454, and a low of 0.0447.

  • Currencies Direct, which is our recommended service to send money online from South Africa to Switzerland offers 0.0448 CHF per ZAR which is only 0.61% above the mid-market rate.

Want to secure the best ZAR-Swiss Franc exchange rates?

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

Payment options for South Africa to
Switzerland money transfers

  • Bank transfers

    Bank transfers are usually the best and easiest way to send money from South Africa to Switzerland.

    By using a money transfer company such as Key Currency for transfers from South Africa to Switzerland, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates than you would get from a traditional bank.


    Key Currency is the cheapest money transfer company for bank transfers from the 9 we compared for transfers from ZAR into Switzerland.

    With a fee of 0 ZAR to send money from South Africa to Switzerland, Key Currency offers a strong combination of competitive exchange rates and lower fees.


  • Debit cards and prepaid options

    Sending money from South Africa to Switzerland with a debit or a prepaid card is available through .


    is a one of the cheaper options for debit card payments for transfers from South Africa to Switzerland. This cost is against a total of 9 money transfer companies offering this option.

  • Credit cards

    When it comes to international credit card transfers from South Africa to Switzerland, we recommend comparing your options to get the best deal.

    Be aware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. Where possible, we recommend a bank transfer or debit card payment.

How we analyze the market

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


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 South Africa to Switzerland.


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


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

Money transfer company reviews

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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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