More than with your bank+ € 87.66/ monthEstimated received€6,344.94*
Lowest published spreadVisit b-sharpe
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See what reaches your euro account after conversion costs. Compare providers on speed, salary transfers and protection, too.
ECB rate1 CHF = 1.06 EUR
Value at the ECB reference rate: € 6,352.57. Before exchange fees.
Estimate using your selected margin, not your bank's actual rate.
Based on 12 equal transfers; rates may change.
Your savings vs. your selected bank margin.Official provider site | not an affiliate link
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| Provider | Top score | Rank 2 | Rank 3 | Rank 4 | Rank 5 |
|---|---|---|---|---|---|
| Workacross score | 4.8 / 5 | 4.3 / 5 | 3.1 / 5 | 2.3 / 5 | 1.9 / 5 |
| Site | Visit site | Visit site | Visit site | Visit site | Visit site |
| COST | |||||
| Cost on CHF 6’000.00 | CHF 7.20Excellent | CHF 9.00Excellent | CHF 21.00Good | CHF 25.80Good | CHF 30.00OK |
| Estimated EUR received* | €6,344.94 | €6,343.04 | €6,330.33 | €6,325.25 | €6,320.80 |
| Spread vs mid-market | 0.12% | 0.15% | 0.35% | 0.43% | 0.5% |
| Fixed fee | None | None | None | None | None |
| SALARY TRANSFER | |||||
| Personal Swiss IBAN | Yes | Yes | Yes | No | No |
| Automatic conversion | Yes | Yes | Yes | Yes | No |
| Swiss account needed | No | No | No | No | No |
| SERVICE | |||||
| Typical arrival | Within a day | Within a day | Within a day | Within a day | Within a day |
| Customer rating | 4.6 / 5 | 4.5 / 5 | 4.4 / 5 | 4.3 / 5 | 4.2 / 5 |
| SAFETY | |||||
| Deposit protection | NoneSafeguarded | NoneSafeguarded | NoneSafeguarded | NoneSafeguarded | NoneSafeguarded |
| Supervision | Swiss SRO | Swiss SRO | Belgian EEA | EEA licence | Lithuanian bank |
| EVIDENCE | |||||
| Pricing checked | 12 August 2026 | 12 August 2026 | 12 August 2026 | 12 August 2026 | 12 August 2026 |
Almost nobody loses money here on a fee they can see. The expensive part is the exchange rate itself, and it is expensive precisely because it does not look like a charge.
The mid-market rate is the midpoint between what buyers and sellers are offering for a currency at that moment: the rate you see quoted in the news. Nobody sells it to you. Every provider builds a margin around it, keeps the difference, and that margin is the main thing you are shopping for.
Here is the shape of it. On a monthly salary transfer of CHF 5,000, a 0.12% margin costs about CHF 6. A 1.5% margin costs about CHF 75. Same money moved on the same day, a difference of roughly CHF 69 a month, or around CHF 828 across a year. Those are example figures to show the scale; your own amount and the rate on the day decide the real number.
What people ask before moving a Swiss salary into euros.
Check which account details your employer accepts for salary payments. A personal Swiss IBAN is useful when your employer requires a Swiss account. If your employer accepts your euro account directly, a Swiss IBAN may not be necessary. Confirm who converts the money and the rate and fees before choosing that route.
The cost is the margin built into your exchange rate plus any fixed fee. Across the routes reviewed here the margin ranges from roughly 0.12% to about 1.5%. On a CHF 5,000 transfer that is a difference of roughly CHF 69 between the cheapest and the most expensive route: the same transfer, on the same day.
It is the midpoint between the buying and selling price of a currency at a given moment: the rate quoted in financial news and the one the European Central Bank publishes daily as a reference. It is a benchmark, not a price you can buy at. How far your provider sits from it is the cost.
Rarely. When there is no visible fee, the provider almost always earns from the exchange rate instead, and that margin can be considerably larger than the fee it replaced. Compare the euros that arrive, not the fee that is advertised.
Compare the complete outcome across reviewed exchange routes.
GuideHow your Swiss salary reaches your euro accountA Swiss salary and a euro household create a short chain: the money arrives in CHF, you convert what you need, then you spend EUR. Each link in that chain has its own cost and its own delay, and they are easy to miss because none of them is labelled. This maps the whole route so you can compare it properly.
GuideRegistering as a cross-border worker in BaselYour first weeks in a Basel job put you in front of four different authorities, and none of them mentions the others. Nothing here is difficult on its own — the hard part is knowing what has to happen before what. This guide walks that sequence, from working out which permit route is yours through to your first salary arriving correctly. The tax and insurance choices specific to your country come afterwards, and they are their own decisions.
A provider advertising no transfer fee can still be the most expensive option on this page, because the margin inside the rate does not appear as a line item anywhere on your statement. A provider charging a visible fixed fee can be the cheapest, especially on larger amounts where a percentage margin grows and a flat fee does not.
That is why the comparison adds both together and ranks on what actually leaves your account. Read the total cost column first; treat the advertised fee as a detail rather than the answer.
The provider records behind this page are still under review, so treat the ordering as a well-researched starting point rather than a verified league table, and confirm the current rate with the provider before moving a salary. Rates move during the day, and the figure you were quoted an hour ago is not a commitment.
Speed, transfer limits and how each provider handles a Swiss account are also part of a real decision and are not reducible to cost alone. A route that saves you a few francs but delays a rent payment by three days is not the cheaper route.
Not automatically, but bank margins on retail currency conversion are typically at the wider end of the range, and they are rarely stated as a percentage anywhere you would see. Comparing your bank's arrival amount against a specialist provider's for the same transfer is the quickest way to find out what yours charges.
That depends on what your euro outgoings actually are, and it is a budgeting question more than a currency one. Converting only what you need in euros and keeping the rest in francs is a common approach among cross-border workers, but it leaves you holding currency risk, which is a position, not a saving.
No. The comparison uses reviewed provider records and the European Central Bank reference rate as its benchmark, and the provider records are still under review. Use it to narrow the field, then check the live rate with the provider before transferring.