Western Union Switzerland Western Union
Price on request
- Transfer Fee: From CHF0 (bank) to CHF5 (card)
- Exchange Rate Markup: 1–3%
- Transfer Speed: Minutes–1 day
- Key Feature: Cash pickup globally; most locations; 150+ currencies
Compare Money Transfer in Switzerland
Compare the mid-market exchange-rate margin alongside any transfer fee — the cheapest advertised fee often hides a larger spread on the exchange rate.
20 live money transfer offers tracked across 20 Swiss providers, with prices from Price on request. Data current as of 23 October 2026 and updated daily from the Giraffy database.
Live offers
20 live offers compared from 20 providers. Updated daily.
OFX Switzerland OFX
Price on request
- Transfer Fee: CHF0 (no transfer fees)
- Exchange Rate Markup: 0.5–1% below mid-market
- Transfer Speed: 1–2 days
- Key Feature: No transfer fees; large amounts specialist; 24/7 human support
TorFX Switzerland TorFX
Price on request
- Transfer Fee: CHF0 (no transfer fees)
- Exchange Rate Markup: 0.4–0.8%
- Transfer Speed: 1–2 days
- Key Feature: Dedicated account manager; large transfers specialist; rate alerts
Azimo Switzerland Azimo Switzerland
Price on request
- Transfer Fee: From CHF 1.99
- Exchange Rate Markup: 0.5-1%
- Transfer Speed: Minutes-1 day
- Key Feature: Azimo — Africa/Asia specialist; 200+ countries
Currencies Direct CH Currencies Direct CH
Price on request
- Transfer Fee: CHF 0 (no transfer fees)
- Exchange Rate Markup: 0.5-1%
- Transfer Speed: 1-2 days
- Key Feature: Currencies Direct — large CHF amounts; forward contracts
Remitly Switzerland Remitly Switzerland
Price on request
- Transfer Fee: From CHF 2.99 (Economy) to CHF 3.99 (Express)
- Exchange Rate Markup: 1-2%
- Transfer Speed: Minutes (Express) to 3 days (Economy)
- Key Feature: Remitly — two-speed service; cash pickup 100+ countries
TransferGo Switzerland TransferGo Switzerland
Price on request
- Transfer Fee: From CHF 0.99
- Exchange Rate Markup: 0.5-1%
- Transfer Speed: Instant-1 day
- Key Feature: TransferGo — Eastern Europe specialist; fast corridors
Moneycorp CH Moneycorp CH
Price on request
- Transfer Fee: CHF 0 (no transfer fees)
- Exchange Rate Markup: 0.5-1%
- Transfer Speed: 1-2 days
- Key Feature: Moneycorp — large CHF amounts; 40+ yr heritage
HaloFintech CH HaloFintech CH
Price on request
- Transfer Fee: From CHF 1.50
- Exchange Rate Markup: 0.4-0.8%
- Transfer Speed: Same day
- Key Feature: HaloFintech — SEPA specialist; Swiss fintech
Pangea CH Pangea CH
Price on request
- Transfer Fee: From CHF 0
- Exchange Rate Markup: 0.5-1%
- Transfer Speed: Minutes-1 day
- Key Feature: Pangea — LatAm specialist; best MXN/COP rates
Paysend Switzerland Paysend Switzerland
Price on request
- Transfer Fee: CHF 2 fixed fee
- Exchange Rate Markup: Varies by corridor
- Transfer Speed: Instant
- Key Feature: Paysend — flat fee; instant card-to-card; 100+ countries
CurrencyFair Switzerland CurrencyFair Switzerland
Price on request
- Transfer Fee: From CHF 4
- Exchange Rate Markup: ~0.4%
- Transfer Speed: 1–2 days
- Key Feature: Marketplace P2P exchange
InstaReM Switzerland InstaReM Switzerland
Price on request
- Transfer Fee: From CHF 0
- Exchange Rate Markup: ~0.5%
- Transfer Speed: 1–2 days
- Key Feature: Asian route specialist
Paysera Switzerland Paysera Switzerland
Price on request
- Transfer Fee: From CHF 0
- Exchange Rate Markup: ~0.3%
- Transfer Speed: 1–3 days
- Key Feature: Multi-currency wallet
MoneyGram Switzerland MoneyGram Switzerland
Price on request
- Transfer Fee: From CHF 7
- Exchange Rate Markup: ~1.5%
- Transfer Speed: Same day
- Key Feature: Cash pickup available
Ria Switzerland Ria Switzerland
Price on request
- Transfer Fee: From CHF 5
- Exchange Rate Markup: ~1.2%
- Transfer Speed: Same day
- Key Feature: 400k+ agent locations
Wise Switzerland Wise
Price on request
- Transfer Fee: From CHF0 (0.5% of amount)
- Exchange Rate Markup: Mid-market (0%)
- Transfer Speed: 1–2 days
- Key Feature: Most transparent fees; held accounts in 40+ currencies; borderless debit card
Revolut Switzerland Revolut
Price on request
- Transfer Fee: CHF0 (free tier, weekday transfers)
- Exchange Rate Markup: 0% weekdays / 0.5% weekends
- Transfer Speed: Instant–1 day
- Key Feature: Send to Revolut users free instantly; Metal plan includes 0% markup
XE Money CH XE Money CH
Price on request
- Transfer Fee: CHF 0 (no transfer fees)
- Exchange Rate Markup: 0.5-1% below mid-market
- Transfer Speed: 1-2 days
- Key Feature: XE — trusted rate brand; 65+ currencies; CHF specialist
WorldRemit Switzerland WorldRemit Switzerland
Price on request
- Transfer Fee: From CHF 2.99
- Exchange Rate Markup: 1-2%
- Transfer Speed: Minutes-1 day
- Key Feature: WorldRemit — mobile money wallet; 130+ countries
What is money transfer in Switzerland?
Money transfer services move funds internationally, either as cash remittances or bank-to-bank transfers, usually cheaper and faster than a traditional bank wire. Switzerland's large international workforce and cross-border trade make this a busy market — from workers sending money home to businesses paying overseas suppliers. Providers compete on the exchange rate, transfer fee and speed, with specialist FX brokers serving larger transfers and app-based services handling smaller everyday remittances.
How the Swiss market works
The market spans cash-remittance networks like Western Union, digital remittance apps such as Remitly and TransferGo, and FX specialists including OFX, TorFX, Currencies Direct and Moneycorp that focus on larger, better-priced transfers. Providers make money on the exchange-rate margin and a transfer fee, so the cheapest option depends on amount, destination and speed. Swiss anti-money-laundering rules require identity verification, especially above certain thresholds. The right provider depends heavily on the amount and destination: for small, frequent remittances to family abroad, digital apps balance low cost with fast cash or bank delivery, while for large one-off transfers such as a property deposit or business payment, dedicated FX brokers offer sharper rates and tools like forward contracts to lock a rate in advance. Because most providers earn from the exchange-rate margin rather than a visible fee, the headline no-fee claim can mask a wider spread. Comparing the actual amount that lands in the recipient's currency, and confirming the provider is properly registered in Switzerland, are the two checks that matter most.
Benefits
Better exchange rates — Specialists undercut banks' FX margins, saving on larger transfers.
Speed — Many transfers arrive within hours or the same day.
Cash or bank delivery — Recipients can collect cash or receive to a bank account.
Rate tools — FX brokers offer forward contracts and rate alerts for big transfers.
How to choose
Compare the all-in cost — exchange-rate margin plus fee — not just the headline fee, since a low fee with a poor rate can cost more. For large sums, FX specialists usually win on rate and may offer forward contracts; for small remittances, digital apps balance cost and speed. Check delivery speed, payout options in the destination country, transfer limits, and that the provider is properly registered for money-transmission in Switzerland.
Leading providers in Switzerland
Western Union offers the widest cash-payout network; Remitly and TransferGo serve app-based remittances to many corridors. For larger transfers, OFX, TorFX, Currencies Direct and Moneycorp compete on rate and dedicated dealing service, with tools like forward contracts. The right choice depends on transfer size, destination and whether the recipient needs cash pickup or a bank deposit — small remittances and big FX transfers favour different providers.
What it costs
Cost is the sum of the transfer fee and the exchange-rate margin the provider adds to the mid-market rate. Fees may be flat or percentage-based, and some services advertise fee-free transfers while widening the rate spread. Larger transfers through FX specialists usually achieve better rates, materially lowering the effective cost. Always compare the amount actually received in the destination currency.
Protections and regulation
Money-transmission providers operating in Switzerland must comply with anti-money-laundering law and identity-verification requirements, and financial intermediaries are subject to FINMA-related supervision or SRO membership. Larger providers are regulated in multiple jurisdictions. Consumer-protection rules cover disclosure of fees and rates. Keep transfer references and confirmations, and be alert to fraud, as authorised push-payment scams are not always recoverable.
Common questions
What makes one provider cheaper? The combination of fee and exchange-rate margin — compare the amount received, not just the fee.
How fast are transfers? Often hours to a day, depending on provider, corridor and payout method.
Is ID required? Yes — anti-money-laundering rules require identity verification.
Money Transfer in Switzerland — FAQ
Which prepaid travel card has the best exchange rates in Switzerland?
Giraffy tracks 20 prepaid FX and travel money cards across 20 providers in Switzerland. Compare by the mid-market exchange rate margin and ATM withdrawal fees to find the lowest total cost.
What is a prepaid travel card and how is it different from my debit card?
A prepaid travel card is loaded with a specific currency (or multiple currencies) before you travel. You lock in an exchange rate at loading time, protecting against rate movements. Unlike a regular debit card, there are no overdraft risks, and many travel cards offer better exchange rates than high-street banks.
Can I use a prepaid travel card at ATMs abroad?
Most prepaid travel cards allow ATM withdrawals abroad, but fee structures vary — some offer a free monthly ATM allowance, others charge per withdrawal. Check the ATM fee, daily withdrawal limit, and whether your chosen card is accepted by ATM networks at your destination.
What currencies can I load onto a prepaid FX card?
Multi-currency cards typically support 40–50 currencies, covering all major travel destinations. Lesser-used currencies may not be available — check the provider's currency list if you're travelling to an unusual destination. Some cards auto-convert at the point of sale if the local currency isn't loaded.
Is a prepaid travel card safer than carrying cash?
Yes — a prepaid card can be frozen via an app immediately if lost or stolen, protecting your remaining balance. You're not liable for fraudulent transactions in most cases. Keeping a small amount of local cash as backup is still advisable for markets where card acceptance is limited.
What fees should I watch for on prepaid travel cards?
Key fees to check: loading fees (some charge to add funds), ATM withdrawal fees, inactivity fees if the card isn't used for 12+ months, and a small exchange rate margin on the mid-market rate. Some premium providers (Wise, Revolut Metal) offer fee-free loading and ATM withdrawals up to monthly limits.