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🇪🇺 EUR / 🇨🇭 CHF ✓ Official Mid-Market Rate (0% Markup) Independent Analysis

EUR to CHF Exchange Rate & Bank Wire Fee Comparison (2026)

Convert Euro (EUR) to Swiss Franc (CHF). The live interbank midpoint rate is 1 EUR = 0.9373 CHF. Compare hidden currency conversion spreads across major international wire systems.

Live Converter

EUR to CHF Real-Time Calculator

Sourced via Central Bank Interbank Feeds
Quick amounts
€
→
CHF
937.26
Official benchmark rate (0% markup applied)
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Historical Benchmarks

EUR to CHF Historical Exchange Rates

Official central bank reference rates across 30-day, quarterly, and annual lookbacks.

Official Reference Feeds
Period Interbank Midpoint Yield on €1,000 Trend / Variance
Today (Interbank Midpoint) 1 EUR = 0.9373 CHF CHF937.26 Current Live Rate
30 Days Ago 1 EUR = 0.9335 CHF CHF933.51 +0.4% (Higher)
90 Days Ago (Quarterly) 1 EUR = 0.9485 CHF CHF948.51 -1.2% (Lower)
180 Days Ago (Half-Year) 1 EUR = 0.9176 CHF CHF917.58 +2.1% (Higher)
1 Year Ago (52W Midpoint) 1 EUR = 0.9373 CHF CHF937.26 +0.0% vs Annual Baseline
Settlement Timeline

EUR to CHF Delivery & Settlement Windows

Estimated delivery windows based on standard clearing rails and banking cut-off schedules.

Target System: SIC (Swiss Interbank Clearing) / IBAN
Direct Domestic Rail 0 - 2 Hours

Local Automated Clearing

Transfers settling through local domestic rails (SIC (Swiss Interbank Clearing) / IBAN) typically clear within hours during standard operating windows.

Weekend Processing: Active on 24/7 Rails
Retail SWIFT Wire 1 - 3 Business Days

Correspondent Banking

Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.

Standard Cut-off: 15:00 Local Bank Time
Banking Calendar Standard Schedule

Cut-off & Holiday Factors

Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.

Holiday Settlement: Next Business Day
⚠️

Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (SIC (Swiss Interbank Clearing) / IBAN). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.

Transfer Preparation

Required Details to Wire EUR to CHF

Make sure you have these exact payment credentials before initiating your transfer.

1. Recipient Identity

Beneficiary Full Name

Exact match as registered on recipient bank account.

2. Account Identifier

SIC (Swiss Interbank Clearing) / IBAN

IBAN, Account Number, or local domestic routing code.

3. Bank Code

SWIFT / BIC Code

8 or 11 character identifier of the recipient's bank branch.

4. Transfer Purpose

Payment Reference

Invoice number or descriptive reference for AML compliance.

Macroeconomic Analysis

EUR vs CHF: Central Bank Policy & Inflation Matrix

Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.

Official Macro Indicators
🇪🇺

Euro (EUR)

European Central Bank (ECB)

Policy Rate

3.75%

Benchmark rate
Annual CPI Inflation

2.2%

Consumer prices
Estimated Real Yield (Rate - Inflation): +1.5%
🇨🇭

Swiss Franc (CHF)

Swiss National Bank (SNB)

Policy Rate

1.25%

Benchmark rate
Annual CPI Inflation

1.1%

Consumer prices
Estimated Real Yield (Rate - Inflation): +0.1%
Policy Rate Differential: 2.50% (EUR vs CHF)
Inflation Differential: 1.10% (Annual CPI spread)
ℹ️

Macroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (European Central Bank (ECB), Swiss National Bank (SNB)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.

Corridor Volatility & Trend

52-Week Exchange Rate Position

Liquidity Status: High & Stable
52W Low: CHF0.8998 Current: CHF0.9373 52W High: CHF0.9748
Lower bound Current rate sits at 50.0% of annual range Upper bound
Independent Market Analysis

Compare Wire Transfer Costs: EUR to CHF

Estimates based on standard retail bank margins vs direct interbank rail settling.

Zero Promotional Bias
€1,000 EUR
€250 €5,000 €10,000 €20,000
Benchmark

Direct Midpoint Rail

0.0% Rate Markup (Interbank)

Rail Fee:€4.50
Rate:0.9373
Clearing:Instant / Same Day
Recipient Receives

CHF937.26

Maximum Yield

Optimal Benchmark Rail
Retail SWIFT

Commercial Banks

~3.2% Hidden FX Margin

SWIFT Fee:€25.00
Bank Rate:0.9073
Speed:2-4 Business Days
Recipient Receives

CHF872.53

-Lost to Hidden Margin

High Intermediary Margin
Consumer Wallet

Global Wallets

3.5% Currency Spread

Tx Fee:€4.99
Rate:0.9045
Speed:Instant (Closed Wallet)
Recipient Receives

CHF887.41

Closed loop balance

Convenient but Marked Up
Cash Agent

Cash Remittance

Retail Spread + Cash Fee

Counter Fee:€8.00
Rate:0.9148
Speed:Physical Counter / 1 Day
Recipient Receives

CHF896.12

Physical cash pickup

Agent Network Fee
Lookup Tables

EUR to CHF Fast Conversion Matrix

Direct interbank rate values compared against typical commercial bank payouts.

🇪🇺 EUR to 🇨🇭 CHF

1 EUR = 0.9373 CHF
Amount Mid-Market Rate Bank Payout Hidden Spread
€1 EUR CHF0.94 CHF CHF0.00 -CHF18.18
€5 EUR CHF4.69 CHF CHF0.00 -CHF18.30
€10 EUR CHF9.37 CHF CHF0.00 -CHF18.45
€25 EUR CHF23.43 CHF CHF4.54 -CHF18.90
€50 EUR CHF46.86 CHF CHF27.22 -CHF19.65
€100 EUR CHF93.73 CHF CHF72.58 -CHF21.14
€250 EUR CHF234.32 CHF CHF208.67 -CHF25.64
€500 EUR CHF468.63 CHF CHF435.49 -CHF33.14
€1,000 EUR CHF937.26 CHF CHF889.13 -CHF48.14
€5,000 EUR CHF4,686.31 CHF CHF4,518.21 -CHF168.11
€10,000 EUR CHF9,372.63 CHF CHF9,054.56 -CHF318.07

🇨🇭 CHF to 🇪🇺 EUR (Reverse)

1 CHF = 1.0669 EUR
Amount Mid-Market Rate Bank Payout Hidden Spread
CHF1 CHF €1.07 EUR €0.00 -€20.69
CHF5 CHF €5.33 EUR €0.00 -€20.83
CHF10 CHF €10.67 EUR €0.00 -€21.00
CHF25 CHF €26.67 EUR €5.16 -€21.51
CHF50 CHF €53.35 EUR €30.98 -€22.36
CHF100 CHF €106.69 EUR €82.62 -€24.07
CHF250 CHF €266.73 EUR €237.54 -€29.19
CHF500 CHF €533.47 EUR €495.74 -€37.73
CHF1,000 CHF €1,066.94 EUR €1,012.14 -€54.80
CHF5,000 CHF €5,334.68 EUR €5,143.31 -€191.37
CHF10,000 CHF €10,669.36 EUR €10,307.28 -€362.08
Mid-Market Rate

0.9373

1 EUR = CHF0.9373

Inverse Rate

1.0669

1 CHF = €1.0669

52-Week Range

0.8998 - 0.9748

Annual volatility band

Target Bank System

SIC (Swiss Interbank Clearing) / IBAN

Clearing rail for CHF

Knowledge Base

Frequently Asked Questions (EUR to CHF)

Click any question to expand
Q What is the current exchange rate for EUR to CHF?
As of 2026, the real mid-market interbank rate is 1 EUR = 0.937263 CHF. This is the true benchmark rate with zero hidden bank markup.
Q How much does a bank charge to send EUR to CHF?
Most traditional high-street banks charge a front-end wire fee of around €25 plus a 2.5% to 4% hidden exchange rate markup. On a €1,000 transfer, you typically lose around CHF48.46 compared to specialized neobanks like Wise.
Q What bank codes are needed to send CHF to Switzerland?
To receive CHF in Switzerland, the recipient typically needs to provide their SIC (Swiss Interbank Clearing) / IBAN.
Q How fast does an international transfer take between EUR and CHF?
Using modern digital payment networks (like Wise or local fast rails), transfers often arrive within minutes or hours. Traditional SWIFT bank wires take 2 to 4 business days.

Related Corridors From EUR

View Reverse: CHF to EUR →

EUR → USD

1 EUR = 1.0817 USD

EUR → GBP

1 EUR = 0.8345 GBP

EUR → JPY

1 EUR = 164.8459 JPY

EUR → CAD

1 EUR = 1.4981 CAD