CHF to EUR

Converting Swiss Franc into Euro at a glance

This page tracks the rate for Swiss Franc (CHF) and Euro (EUR), together with what real providers charge to convert one into the other. At the latest update on October 30, 2026, one CHF is worth 1.0873 EUR, while 1 EUR is worth 0.919669 CHF.

That headline number is the mid-market rate, sometimes called the interbank rate. It is calculated as the middle of the price at which large banks buy CHF and the price at which they sell it. It works as the cleanest reference you can get: no fee or margin is built in, and that is why few consumer services pass it on unchanged.

What ends up on the EUR side is shaped by two separate costs: a markup hidden in the exchange rate and the visible transfer or service fee. In the sections below we explain how those costs work, put them side by side and give concrete ways to lose less on the exchange when converting CHF to EUR.

Delivery times and routes for EUR transfers

With a classic international transfer, the bank sends the payment via the SWIFT system. The money can pass through one or more correspondent banks, each of which can deduct a charge. Delivery usually takes one to several working days, and the final deduction is often only visible afterwards.

Dedicated providers take another route. They keep money in accounts in both regions, so your CHF stays in the CHF system and the recipient is paid in EUR from a local account. The result tends to be quicker and less expensive, and the amount that arrives is known in advance.

Speed is not down to the provider alone: how you pay, the time of day, cut-off times and bank holidays in both countries. The very first payment may be slower as the provider completes its checks. Finish verification in advance if timing is tight.

Paying less when you change CHF into EUR

Compare the total cost, not the fee alone. A small fee on its own says little if the rate is poor. What you want to know is how much EUR arrives for your CHF, which combines the markup and the fee.

At foreign tills and cash machines, you may be asked whether to pay in CHF or in the local currency. That option is known as dynamic currency conversion, or DCC. The rate used is usually poor. Always opt to pay in the local currency so your bank or card issuer handles the exchange.

Timing plays a role too. At weekends, with the wholesale market shut, some services add an extra buffer to the rate. When there is no deadline, a rate alert or limit order lets you convert automatically once CHF/EUR reaches a level you choose. It saves you from checking the rate every day, but the target may never be reached.

Also check how you fund the transfer. Card payments often cost more than a bank transfer, while a plain bank transfer is normally the low-cost option. Combining several small payments into one larger transfer means fixed charges hit you fewer times.

Where you pay with CHF and EUR

Swiss Franc is the currency of Switzerland, Liechtenstein. Euro is used in Germany, France, Netherlands, Spain, Italy. Knowing this helps for anyone who earns in one of these currencies and spends in the other.

There are plenty of everyday reasons to convert CHF to EUR: rent or a mortgage abroad, tuition fees, a salary paid in another currency, savings or a holiday. Each situation asks for something different: a one-off large payment calls for the best rate, whereas frequent smaller payments suffer more from flat charges.

Payout methods vary from country to country. Depending on the country, you need an IBAN, a local account number or a mobile wallet and in certain countries mobile wallets or cash collection are widely used. Ask the recipient for the exact details in advance.

Mid-market rate versus the rate you get

The majority of services do not convert at the rate of 1.0873 itself. They quote a slightly worse rate and earn on the difference. People call this the markup. If the margin is 2%, then you lose roughly 2 CHF on every 100 CHF, without it ever appearing as a fee.

Besides the hidden margin, many providers charge an explicit fee. It may be a fixed amount per transfer, a percentage of the amount or both at once. With international bank payments extra deductions can follow, and those only show up at the end.

Be wary of services that advertise free transfers. The cost often sits in the rate instead. The reliable test is the final EUR figure for an identical CHF amount, and the comparison table on this page is ranked on exactly that.

Safety checks before you convert CHF to EUR

Only use providers that are regulated. In the UK that means authorisation by the FCA, elsewhere a central bank or financial supervisor. Regulation includes rules on keeping your money apart from the company’s own.

Verify every detail of the recipient. Once money has left, getting it back is difficult. Watch out for pressure, urgency or a last-minute change of account details. Verify through a channel you trust.

For large amounts, expect extra checks. Providers may ask for proof of where the money comes from, like a statement or a sales contract. Some providers lower their margin on request for larger customers. Ask whether you can fix the rate in advance.

The CHF/EUR rate over twelve months

Over the past twelve months, the exchange rate moved by +0.91%. In that period the highest level was 1.1098 EUR per CHF, and the lowest was 1.0562. Today’s rate of 1.0873 can be measured against those two levels.

The spread between the year’s extremes puts the movement into real terms. When you convert a substantial sum, timing has a visible effect on the outcome, occasionally more than the difference between providers.

The rate reflects news, economic data and supply and demand on the market. The statistics here are historical, not a forecast. If you are waiting for a particular level, use an alert or limit order rather than a hunch.

What 1,000.00 CHF gets you in EUR

Take a transfer of 1,000.00 CHF. At the mid-market rate of 1.0873, that marks the theoretical maximum of what is possible on the EUR side. In practice nobody hands over that full amount, as costs are deducted somewhere in the process.

Looking at all 9 providers we track, Wise came out cheapest for this amount, with 1,082.05 EUR after all costs. The gap between 1,082.05 EUR and the theoretical maximum shows the true cost, fees and margin combined.

Note that rankings shift with the amount you send. A flat fee hurts most when the amount is small, whereas the margin in the rate becomes the bigger cost on larger transfers. Enter your own amount in the converter for a ranking that fits your situation.

About this comparison

We start from the live mid-market rate for CHF/EUR. We then apply each provider’s published fees and exchange rate margin, and work out how much EUR the recipient would end up with. The comparison covers 9 providers, so you can see the differences at a glance.

Rates are refreshed every 30 minutes, and the date on the page shows when the data was last updated. Providers confirm their own price at checkout, since markets keep moving, especially when markets are busy.

We are not owned by any provider. We may earn a commission through some links, which help fund our work. They have no influence on the order: providers are sorted purely by how much EUR the recipient gets.