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How to send money to Switzerland
Find the quickest and cheapest way to make an international transfer to Switzerland.
Our pick: OFX
OFX offers flexible transfer options, 24/7 customer support and no maximum limit. Send a minimum of $1,000 per year.
$0 transfer fees. Send fee-free transfers to over 195 countries worldwide.
Transfers in 55 currencies. OFX supports major, minor and exotic currencies.
Flexible options. Choose from forward contracts to scheduled transfers for convenience and flexibility.
Customer support. Larger transfers get personalized service over the phone.
Compare international money transfers to Switzerland
Banks vs. money transfer services
Many banks offer money transfer services to Switzerland, but that doesn’t make them the best deal. They often charge high fees, have subpar exchange rates and process transfers slowly. Another option you might want to consider is an independent money transfer company. These tend to offer all around better deals than banks, and many have different features that set them apart when you want to send money to Switzerland.
Case Study: Roger sends money to Switzerland
Roger is a professional athlete based in the United States. He wants to send a Christmas gift of $2,000 to his parents back home in Bern, but he knows that sending the money through his bank will be unnecessarily expensive. He decides to calculate the costs involved in sending the same amount of money through two well-known money transfer companies.
|Money transfer company 1||Money transfer company 2|
|Exchange rate||1 USD = 0.97 CHF||1 USD = 0.96 CHF|
|Transfer options||Bank account deposit||Bank account deposit|
|Transfer speed||1 to 3 business days||3 business days|
|Total CHF received||1,940 CHF||1,920 CHF|
The first company charges a lower transfer fee and also allows Roger to send an extra 20 CHF, which makes it an easy choice for Roger.
Options for sending money to Switzerland from the US
- Bank transfers. Many major US banks can safely wire your funds to Switzerland. However, the frustratingly high fees and weaker exchange rates you’ll receive by going through your bank may not make this your first choice.
- Online money transfer services. These specialists offer more affordable transfers than banks, allowing you to quickly and easily manage your transactions from home. With competitive exchange rates and lower fees, you can send funds from your bank account or visit an agent location.
- Providers with cash pickup. Trusted providers like Western Union and MoneyGram give your recipient fast access to the cash you send — sometimes within minutes. However, services typically cost more than an online transfer specialist and vary by where you’re transferring your money and how you’re paying for it.
- PayPal transfers. Not just for online purchases, PayPal offers transfers to more than 100 countries and supports multiple currencies. Its exchange rates are often better than those you’ll get from a bank but not quite as strong as rates from money transfer companies. PayPal calculates its transfer fee as a percentage of the amount you’re sending, which means it’s often better for sending smaller amounts of money.
- International money order. You can get this type of money order from your bank and send it overseas to your recipient, who then cashes it in at their own bank. While more secure than a personal check, it’s a slower option than using an electronic transfer. It also costs a little more — you’ll have to purchase the check, and your recipient may be charged a fee by their own bank cashed.
Foreign exchange rates explained
Exchange rate is used by banks and international businesses to determine how much one country’s currency is worth when it’s converted to another currency. The Swiss franc is a strong currency when compared to the US dollar.
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How to send money to Switzerland
- Select a money transfer provider from the table above.
- Click Go to site when you’re ready to make an account.
- Start a transfer by entering how much you want to send and your recipient’s information.
- Pay for your transfer and save your tracking number.
Same-day transfers to Switzerland
If you need to send a same-day transfer to Switzerland, you’ll want to take the time to compare rates. Some companies will charge higher fees or offer less favorable exchange rates when you need quick processing time, so you’ll need to be on the lookout for a good deal if you don’t want to break the bank with a money transfer.
Tips for picking up cash in Switzerland
Although Switzerland is a relatively safe country, there is always a risk when picking up cash. Be sure to bring a friend along with you to an agent location in a safe area, and don’t take too long to deposit your cash into your bank account. If you do need to go somewhere with a large amount of cash, keep your bag close by and avoid taking out large amounts of money in front of strangers. This should help you minimize the risk of being stolen from, but as with everything, always remain aware of your surroundings and vigilant.
Making a money transfer to Switzerland is easy enough, but you’ll have quite a few options to choose from. Narrow down your choices by comparing exchange rates, fees and processing times. And to get the best deal when making a money transfer to Switzerland, learn more about money transfers before selecting a provider.
Cash pickup locations in Switzerland
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