The live Swiss-franc-to-euro rate, updated every minute. Book CHF→EUR with SummitFX on WhatsApp — we accept incoming CHF via SWIFT/SIC and settle EUR via SEPA or SEPA Instant.
Use the tabs to view the last week, month, year, or five years of daily closing rates. The shaded band shows the high-low range for the period — a quick visual read on volatility.
Type in either box — enter a CHF amount to see what you'd get in EUR, or enter a target EUR amount to see how many Swiss francs you'd need. Calculated at the live mid-market rate shown above.
Note: The rate shown is the live mid-market rate. Your actual executable rate includes a small spread — typically 0.3–0.7% at SummitFX vs 2–4% at a UK high street bank. We'll always show the full breakdown before you book.
CHF/EUR is the mirror of EUR/CHF — read from the Swiss side. The pair moves on Swiss National Bank policy, European Central Bank policy, eurozone economic data, and global safe-haven flows. As CHF is the world's premier safe-haven currency and EUR a major reserve currency exposed to eurozone-specific stress, CHF/EUR typically rises in stress episodes and falls in calm periods. The SNB has historically intervened heavily in this pair to prevent excessive CHF strength against the euro.
Swiss National Bank policy and intervention: The SNB sets Swiss interest rates and is the most interventionist major central bank globally. Decisions, FX reserves changes, sight deposit data, and statements from Chairman Martin Schlegel are the biggest scheduled CHF events. The SNB has actively managed CHF/EUR for years — including the 2011 floor at 1.20 (capping EUR/CHF, capping CHF strength) and its dramatic removal in 2015.
Safe-haven status: CHF strengthens in any global risk-off episode — financial crises, geopolitical stress, eurozone instability, banking sector worries. CHF/EUR is the most direct expression of safe-haven CHF demand because Switzerland is geographically European.
Swiss inflation: Switzerland has structurally low inflation. Swiss CPI surprises (rare) move CHF disproportionately because they shift SNB policy expectations meaningfully.
SNB FX reserves and sight deposits: Swiss National Bank reserves are the mechanism for managing CHF strength against EUR. Markets watch SNB sight deposit data weekly for clues to recent FX intervention. Reserves composition changes signal SNB activity.
Lex Koller and capital structure: Switzerland's restrictions on foreign property ownership (Lex Koller) and historical use of negative rates on foreign deposits limit speculative CHF inflows in normal times. Flight-to-safety flows during stress episodes still dominate, but structural factors reduce baseline upward pressure on CHF.
European Central Bank policy: The ECB sets eurozone interest rates (deposit rate 2.0% in early 2026). The ECB-SNB policy gap is structurally wide. ECB rate decisions and Christine Lagarde's press conferences drive CHF/EUR through the policy gap channel.
Eurozone HICP: Harmonised inflation drives ECB rate expectations. Hot prints support EUR by raising rate-hold or rate-hike expectations; soft prints weaken it.
German and French data: The two largest eurozone economies disproportionately drive the euro. German ZEW, Ifo, and industrial production prints, plus French PMIs and consumption data, all matter for CHF/EUR.
Eurozone sovereign spreads: Bund-BTP, Bund-OAT, and Bund-Bono spreads signal eurozone fragmentation risk. Widening spreads tend to push CHF/EUR higher (CHF safe-haven flow, EUR weakness).
EU political risk: Elections in major member states, fiscal-rule disputes, and anything that threatens eurozone cohesion adds a risk premium to the euro. EU-specific stress amplifies CHF/EUR through the safe-haven channel.
Switzerland's economy is more integrated with the eurozone than any non-EU country except potentially Norway. The EU is Switzerland's largest trading partner by a wide margin, with bilateral trade exceeding €280 billion annually. Most Swiss trade is in services, pharmaceuticals, machinery, watches, and chemicals. Beyond trade, Switzerland is one of the world's largest non-EU holders of euro-denominated assets through Swiss private banks, insurance companies, and SNB reserves. The corridor's depth makes CHF/EUR one of the deepest non-USD pairs globally.
CHF→EUR settles in two legs: your CHF arrives via SWIFT (originating in the Swiss Interbank Clearing system), we convert, and we pay out EUR via SEPA or SEPA Instant. Switzerland and the eurozone share the same time zone (CET/CEST), making same-day delivery essentially perfect when both banking days are aligned.
Three things most commonly cause CHF→EUR transfers to miss same-day settlement:
Late CHF arrival. Our cutoff is 15:00 UK time for same-day EUR settlement. CHF wires sent from Switzerland in the morning typically arrive in the UK well before our cutoff. Late afternoon Swiss bookings (after 15:00 CET / 14:00 UK) often miss it.
Compliance review on large transfers. Inbound CHF wires above €100,000 equivalent may trigger AML review on our side, particularly for first-time senders. Standard delays are 30 minutes to 2 hours; longer reviews are rare but can push settlement to T+1.
Eurozone or Swiss bank holidays. If TARGET2 is closed for an EU-wide holiday, EUR settlement is delayed. If Swiss banks are closed, your CHF wire won't be initiated. Christmas, New Year, Swiss National Day, and certain national EU holidays each affect one side independently — plan around both calendars.
For tight EUR deadlines — eurozone property completions, supplier invoices, tax obligations — book the day before and let the conversion settle overnight. Forward contracts are commonly used for Swiss residents managing eurozone obligations and for ongoing repatriation arrangements by Swiss-based EU expats.
CHF/EUR is the corridor for Swiss residents and businesses with meaningful euro obligations, plus eurozone-bound flows from Swiss expats, investors, and corporates. Common use cases:
Swiss buyers — both individuals and institutional — purchasing or maintaining property in France, Italy, Spain, Germany, or Portugal. Swiss residents are major buyers of EU lifestyle property given the geographic proximity and CHF strength against EUR over many years.
Swiss-headquartered companies (Nestlé, Roche, Novartis, ABB, Holcim) funding eurozone operations, paying suppliers, or repatriating European earnings. Treasury teams use forward contracts to hedge predictable EUR-CHF exposure across financial years.
Swiss private banks investing on behalf of clients in eurozone government bonds, blue-chip equities, and credit. While dominated by institutional desks, individual Swiss high-net-worth residents also use this corridor for European asset allocation.
European residents working in Switzerland (pharma, banking, international organisations) regularly repatriating CHF savings to EUR. Standing arrangements smooth out the rate exposure across multiple monthly transfers; forward contracts work for known end-of-contract repatriation.
Swiss companies sourcing European goods and services — common in pharmaceuticals, automotive parts, machinery, professional services, and luxury goods supply chains. Tight spreads on regular high-volume payments protect margin.
Dual nationals or EU citizens resident in Switzerland filing tax returns and paying obligations in EU member states, plus EU-resident retirees with Swiss pension entitlements managing cross-border conversions. Predictable annual deadlines suit rate alerts and forwards.
You can convert Swiss francs to euros through your bank, through a transfer app, or through a broker. CHF/EUR is one of the deepest non-USD pairs in global FX, but Swiss banking's premium pricing structure means broker access provides meaningful pricing advantages.
Everything clients typically ask about sending Swiss francs to euros. Still have questions? Message us on WhatsApp — a real dealer, not a bot, will reply.
We never forecast — but the chart above puts today's rate in context. CHF/EUR tends to rise in eurozone stress episodes and fall in calmer periods. Watching eurozone sovereign spreads (Bund-BTP, Bund-OAT) gives a real-time read on stress dynamics. Rate alerts let you set a target and wait passively.
Swiss and European banks typically mark up CHF/EUR by 2–4% for retail customers. SummitFX spreads are 0.3–0.7% depending on size. On a CHF 500,000 transfer that's a saving of CHF 8,500–CHF 18,500 — material at any scale.
If your CHF arrives with us by 15:00 UK time on a UK business day, we settle the EUR the same day. SEPA delivery is typically a few hours; SEPA Instant credits within seconds. CHF/EUR benefits from same-time-zone alignment, making timing more predictable than most cross-border pairs.
Yes. European conveyancing typically runs 2-4 months during which CHF/EUR can move several percent. A forward contract fixes today's rate for delivery on completion day. You pay a deposit (5–10% of the trade) upfront and settle the balance at completion.
No hard minimum — we handle trades from CHF 500 to CHF 5m+. Below around CHF 5,000 the spread widens slightly to cover fixed execution costs. For recurring smaller payments, market orders or standing arrangements work better than ad-hoc bookings.
The rate shown on Google, XE, or the chart above is the mid-market rate — the midpoint of interbank buy and sell quotes. Nobody gets exactly that rate; providers add a margin. Banks typically 2–4%, Wise around 0.4–0.6%, SummitFX 0.3–0.7% — with our clients also getting a named dealer and WhatsApp access.
The Swiss National Bank has historically intervened heavily in EUR/CHF (and by extension CHF/EUR) to prevent excessive CHF strength against the euro. The 2011-2015 floor at EUR/CHF 1.20 is the most famous example — the SNB committed to unlimited intervention to prevent the pair falling below that level. The cap was removed without warning on 15 January 2015 ('francogeddon'), causing CHF to surge ~30% against EUR in minutes. Forward contracts protect against exactly this kind of intervention-driven volatility.
Your rate is locked the moment you reply CONFIRM on a quote. Even if CHF spikes on a risk-off event before your wire reaches us, the rate you receive stays exactly as booked. CHF can move sharply on global news — locking in advance is particularly important for large repatriation flows or eurozone property completion timing.
Message us on WhatsApp and we'll have a live executable rate back in seconds.