CNY to CHF

CNY to CHF: what you are looking at

This page tracks the exchange rate between Chinese Yuan (CNY) and Swiss Franc (CHF), together with the prices that banks, money apps and exchanges actually ask. As of October 30, 2026, 1 CNY equals 0.123681 CHF, while a single CHF equals 8.0853 CNY.

The rate shown above is the mid-market rate. It is calculated as the middle of the buying and selling prices on the wholesale market. It works as the cleanest reference you can get: it contains no profit margin and no fees, which is exactly why you rarely get it as a private customer.

What ends up on the CHF side depends on two things: a markup hidden in the exchange rate and any fixed or percentage fee. In the sections below we take those costs apart, put them side by side and list practical steps to get closer to the mid-market rate when you change CNY into CHF.

Exchange rate markup and fees on CNY/CHF

Most providers will not give you the mid-market rate itself. They shift the rate in their own favour and earn on the difference. This is known as the markup. A markup of 2%, for example, means that for every 100 CNY you convert, about 2 CNY worth disappears before the money arrives.

Next to that markup, many providers add a visible fee. That can be a fixed amount per transfer, a share of what you send or both at once. With international bank payments other banks along the route may take their own cut, and those only show up at the end.

Be wary of offers that say "no fees" or "0% commission". In many cases the margin in the rate simply does the work of the fee. What really counts is how much CHF the recipient ends up with for exactly the same sum, and the comparison table on this page is ranked on exactly that.

Sending a larger amount from CNY to CHF

Check the provider’s licence first. 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, which protects you if something goes wrong.

Verify every detail of the recipient. Once money has left, getting it back is difficult. Unexpected changes to payment details are a classic warning sign: confirm by phone using a number you already know.

For large amounts, expect extra checks. Have documents ready that show where the money came from, such as a payslip, sale agreement or bank statement. Some services offer better rates or a personal contact for larger transfers. A rate lock, where offered, removes uncertainty while the money is on its way.

How GoldexPay compares CNY to CHF providers

Our starting point is the current mid-market rate. We then apply each provider’s published fees and exchange rate margin, to calculate what actually arrives in CHF. In total 8 providers are included, ranked from most to least received.

Rates are refreshed every 30 minutes, with October 30, 2026 as the reference date. The final price is always set by the provider itself, because their rate can move between our updates, especially when markets are busy.

We are not owned by any provider. We may earn a commission through some links, which help pay for the site. The order is never affected by them: providers are sorted purely by how much CHF the recipient gets.

Delivery times and routes for CHF transfers

Your regular bank usually sends the money via the SWIFT system. The money can pass through one or more correspondent banks, and each can take a fee. Delivery usually takes one to several working days, with the full cost not always known upfront.

Specialised transfer services often work differently. They hold balances in both currencies, so no money physically crosses the border: you pay in locally and the recipient is paid out locally. That is often faster and cheaper, with the final CHF amount fixed upfront.

Delivery time depends on several factors: how you pay, the time of day, cut-off times and bank holidays in both countries. New customers sometimes wait a little longer as the provider completes its checks. Get verified before you need to send if the money has to arrive on a set date.

Recent movement in the CNY/CHF rate

Across the last year, the CNY/CHF rate moved by +9.51%. Within those twelve months the top of the range was 0.124570 CHF per CNY, while the bottom of the range was 0.110460. Today’s rate of 0.123681 sits somewhere inside that range.

That range between high and low shows how much the rate can move in practice. For a bigger amount, the moment you choose can make a noticeable difference to what arrives, even when the fee stays the same.

The rate reflects central bank policy, economic data and shifts in risk appetite. We show the figures as they are and do not make predictions. If you want to act on a certain rate, it is more practical to set an alert than to guess.

Tips for converting CNY to CHF

Judge on what arrives, not on what is advertised. A small fee on its own says little if the rate is poor. The number that matters is how much CHF arrives for your CNY, and that already includes both the markup and the fee.

At foreign tills and cash machines, you can get a choice between your own currency and the local one. The trade name for this is dynamic currency conversion. It usually comes with a steep markup. Choose the local currency so your bank or card issuer handles the exchange.

Timing can also matter. At weekends, with the wholesale market shut, some services add an extra buffer to the rate. When there is no deadline, an alert tells you when the rate hits a level you are happy with. It takes the guesswork out, though the target may never be reached.

Finally, look at how you pay. Card payments often cost more than a bank transfer, and a plain bank transfer is normally the low-cost option. Bundling smaller transfers also cuts the impact of fixed fees.

Where Chinese Yuan and Swiss Franc are used

Chinese Yuan is the legal tender in China. Swiss Franc is what people pay with in Switzerland, Liechtenstein. Knowing this helps for anyone who earns in one of these currencies and spends in the other.

The reasons for changing CNY into CHF vary: paying suppliers, supporting relatives, buying property or simply travelling. Each situation asks for something different: a one-off large payment benefits most from a sharp 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 cash pickup or mobile money is common. Ask the recipient for the exact details in advance.

Sample calculation for 5,000.00 CNY

Take a conversion of 5,000.00 CNY. Converted at the pure mid-market rate (0.123681), you can work out the upper limit of what is possible on the CHF side. No service pays out that exact figure, because margins and fees come off first.

Across the 8 providers in our comparison, Revolut delivered the most and paid out 615.31 CHF in the end. Whatever is missing compared with the mid-market amount shows the true cost, fees and margin combined.

Bear in mind that a different amount can produce a different winner. A flat fee hurts most when the amount is small, while the margin in the rate becomes the bigger cost on larger transfers. Try your actual amount in the calculator above and check whether the order changes.