Using a credit card in Switzerland

Use our guide to get the most out of your UK credit card when travelling to Switzerland.

Switzerland is known for its vast mountainous landscapes, Alpine ski resorts, well-crafted watches and luxurious chocolate. The country itself is as diverse as its landscape, with four different official languages spoken by the Swiss population. However, travelling around Switzerland doesn’t come cheap; it’s one of the most expensive countries in the world to visit due to its stable and valuable currency.

Switzerland is not a member of the EU, so the official currency is Swiss francs, not euros.

If you plan on bringing your credit card along with you to Switzerland, there are some important facts you should know first.

Cash machines in Switzerland

Visa and Mastercard are among the most widely accepted networks in Switzerland.

Cash machines are abundant in Switzerland, so you won’t have to worry about not finding a suitable one. They’re typically located around banks, post offices, and shops. However, if you are heading to a smaller village, ATMs may be more scarce, so it is wise to always carry a small amount of cash with you just as a precaution.

As some ATMs impose a withdrawal limit of CHF5,000, make sure that your UK bank’s limit doesn’t exceed this if you plan on withdrawing the maximum amount.

Cash in Switzerland

Switzerland is a modern economy, with banking as their primary industry. This means that carrying a large amount of cash is unnecessary. However, you may want to carry some cash for precautionary measures, or in case you decide to make any smaller purchases from vendors and outlets. In these instances, cash may be a quicker and more convenient form of payment.

Find a great deal on your travel money for Switzerland

Chip and PIN

Chip and pin is the most common card payment method in Switzerland. All you need to do upon inserting your card into an ATM or card machine is to simply enter your 4 digit PIN-code.

Contactless and Apple Pay are also increasingly common forms of payment: just look out for the contactless payment symbol nearby the tills or purchasing area.

Is it safe to use my card in Switzerland?

By exercising some caution when using your credit card in Switzerland, you’ll have a relatively trouble-free experience.

  • Keep your PIN safe. Use one hand to enter the PIN and the other to shield it from prying eyes and hidden cameras.
  • Select ATMs with care. Try and stick to ATMs in banks and avoid using ones in the street.
  • Watch out for “skimmers”. When installed in an ATM, a card skimmer works by stealing information from credit and debit cards. If you feel the card slot is not as smooth as it should be or if there’s a problem with the keypad, cancel your transaction and look for another ATM.

Keeping your credit card (physically) safe

While Switzerland is known among travellers for being a very safe country, you should always remain vigilant when in busy train stations and tourist areas. Be aware of where your belongings are at all times, and only use your card when you feel safe in your surroundings.

Potential credit card fees

Credit card fees can leave a noticeable dent in your pocket when you’re travelling overseas, so know what you’re up against well in advance and choose a card with no or low fees.

Foreign transaction fees

British credit card issuers typically charge a fee equivalent to 1% to 3% of your transaction, so carefully review your card’s fine print to avoid statement surprises. Some cards designed for travel come with no foreign transaction fees, so this could be a good time to switch.

Learn more about cards designed for overseas spending

Currency conversion fees

If a retailer offers to bill your credit card in sterling, dynamic currency conversion comes into play. While this might sound like a good deal, you’ll actually end up getting a worse exchange rate, and you might also end up paying currency conversion fees. Whenever you’re presented with an option, choose to pay in the local currency.

Cash advance fees

Using your credit card to withdraw money from an ATM may not make sense unless it’s a bona fide emergency. Each time you withdraw funds from an ATM, you’re likely to pay a cash advance fee. Your APR for cash advances is typically higher than your purchase APR, and you’ll typically get no grace period on interest — instead, you start paying interest immediately. Again, some cards designed for overseas spending will waive this fee.

The table below serves as an example of how much extra you may pay to use your credit card in Switzerland.

section of credit card summary box document

Additionally you can get an idea of costs by using these online currency conversion tools from Mastercard and Visa.

What is a cash advance fee?

A cash advance fee is calculated (and charged) when you withdraw cash from your credit card. It’s usually the greater of a flat fee or a percentage of the transaction. For example, “2.5% of the transaction, minimum £3.00”.

How to prepare before travelling to Switzerland

  1. Go with Visa or Mastercard. Carry at least two cards on your trip to Switzerland, preferably connected with Visa or Mastercard. If you just take an American Express card, you won’t get to use it in many places.
  2. Think no foreign transaction fees. When there are cards that come with no foreign transaction fees, using ones that charge 2% or 3% of each overseas transaction does not make sense. Some of these cards don’t charge an annual fee, either.
  3. Keep your bank posted. Banks, in their efforts to thwart fraudulent transactions, block credit cards if they detect suspicious activity such as unexpected overseas transactions. To make sure this does not happen to your card, let your bank know about your travel plans before you leave the UK.
  4. Keep the emergency number handy. Know which numbers you’ll need to call if you end up losing your card or if you need an emergency replacement.
  5. Know where you’ll get cash from. Consider using your debit card to withdraw cash from ATMs. If you need to exchange money, stick to banks or official money-exchange offices because possessing counterfeit money in Switzerland is a serious crime. Try to avoid exchanging money at airports and popular tourist destinations because of typically poor exchange rates.

Next steps

Ask yourself these simple questions before you leave so your spending in Switzerland does not hit any roadblocks.

  • Which cards will I take? Visa and Mastercard are the favourites. If you’re planning a trip, check out cards which give you complimentary airport lounge access. If you’re planning well in advance, consider earning air miles for your trip with a frequent flyer credit card.
  • Have I let my bank know? If you don’t inform your bank about your travel plans, you may end up with a temporarily suspended card.
  • What fees do I need to pay? If your existing cards come with foreign transaction fees, look for one that does not. Paying in Sterling outside of the UK might come with currency conversion fees.
  • How will I get cash? Using your debit card at an ATM is the simplest way to access your own money. You can carry cash and traveler’s cheques with you. Exchanging Sterling to Swiss Franc is easy and you’ll get several options.

When you’re in Switzerland, you don’t have to worry about where and when you can use your credit card. Just keep some cash handy to pay for small purchases.

Compare cards with fee-free currency conversion in Switzerland

Table: sorted by representative APR, promoted deals first
1 - 5 of 24
Name Product Finder Score Finder score Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
Santander All in One Credit Card
Expert analysis
0% for 15 months reverting to 23.9%
£3 per month
Min. limit £500, max. limit not specified.
29.8% APR (variable)
0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Every time you spend abroad in the local currency using your Santander debit or credit card between 18 June to 15 September 2024, you'll be entered into a prize draw to win 1 of 18 travel vouchers each worth £5,000 each. T&Cs apply.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Check eligibility
Yonder Credit Card
Finder Award
Yonder Credit Card
Expert analysis
1 month for £0, £15 per month thereafter
Min. limit not specified, max. limit not specified.
66.7% APR (variable)
First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance, no FX fees and use your points towards any flight.
Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).
Check eligibility
118 118 Money Guaranteed Rate Card
Expert analysis
Min. limit £500, max. limit not specified.
49% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 49% (variable) p.a., your representative rate is 49% APR (variable).
Check eligibility
Yonder 'No Fee' Credit Card
Expert analysis
Min. limit not specified, max. limit not specified.
32.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).
Check eligibility
Additional account needed
Santander Edge Credit Card Mastercard
Expert analysis
£3 per month
Min. limit £500, max. limit not specified.
29.8% APR (variable)
2% after £1 of monthly spend. 1% after £1 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).

How to use a credit card in …

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Chris Lilly is Head of publishing at He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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