The real CHF/EUR rate
The interbank (mid-market) rate as the basis; the ibani margin, from 0.40% to 0.15% depending on the amount, is shown separately.
CHF → EUR · Live rateConvert Swiss francs
to euros (CHF → EUR)
1 CHF = 1.0788 EUR as of 29 October 2026 (indicative rate for an amount below the equivalent of CHF 10,000, ibani margin included; the rate applied is the one in effect when you place your order).
Change your Swiss salary (CHF) into euros (EUR) at the real interbank rate, in real time. Ideal for cross-border workers repatriating their salary to France, with a margin from 0.40% to 0.15% and no hidden fees.
CHF → EURCurrency pair
Real timeMarket rate
0.15%Margin from
Simulate your transfer
No hidden fees1 CHF = 1.0788 EUR Rate as of 29 October 2026
5'394.21
Estimated annual saving
—
vs. a traditional bank
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CHF 1 Billion+Exchanged since 2018
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CHF/EUR conversion in brief
Convert Swiss francs to euros, at the right rate
The essentials to change your CHF into EUR with no nasty surprises on the rate or the fees.
A margin from 0.15%
Transparent and sliding, up to 10× cheaper than a bank. No hidden fees.
Personal Swiss IBAN
Receive your salary in CHF on an IBAN in your name, converted into euros automatically.
A reliable Swiss partner
ibani SA, founded in Geneva in 2018, a financial intermediary affiliated with SO-FIT, a self-regulatory organisation recognised by FINMA.
What you really pay
CHF → EUR: ibani, bank or exchange office?
On an exchange of CHF 5'000 per month, the margin applied to the rate makes all the difference over the year.
| Criterion | ibani | Bank | Exchange office |
|---|---|---|---|
| Starting rate | Real interbank | "House" rate | "House" rate |
| Exchange margin | 0.40% | ~1.5 to 2% | Often > 2% |
| Transfer fees | CHF 0 | Variable | — |
| Estimated annual cost* | ~CHF 240 | ~CHF 900 | > CHF 1'000 |
| 100% digital tracking | Yes | Partial | No |
*Indicative orders of magnitude for an exchange of CHF 5'000/month over 1 year. See the details on our Rates page.
Rate movement
Live CHF / EUR exchange rate
Follow the pair's trend to choose the right moment for your exchange.
| Indicator | 30 days | 90 days |
|---|---|---|
| High | 1.0857 | 1.0857 |
| Low | 1.0551 | 1.0551 |
| Average | 1.0747 | 1.0682 |
| Change | +2.31% | +0.62% |
European Central Bank reference rates, from 31 July to 28 October (90 days) and from 29 September to 28 October (30 days), 2026. Excluding exchange margin: these figures are not directly comparable with the rate shown at the top of the page, which includes the ibani margin.
Conversion tables
How much is 1 CHF in EUR (and the reverse)?
Indicative amounts, ibani margin included, updated continuously.
Indicative rate as of 29 October 2026, ibani margin included; the rate applied is the one in effect when you place your order.
How to convert
Your CHF changed into EUR, in 3 steps
Create your ibani account for free
100% digital sign-up in 5 minutes, with no opening or account maintenance fees.
Get your personal Swiss IBAN
Give it to your employer to receive your salary in CHF directly on ibani.
Receive your euros at the real rate
ibani converts your CHF into EUR at the market rate, plus a margin of 0.40% to 0.15% depending on the amount, and transfers the euros to your account, the same day.
USD
GBP
CAD
SGD
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JPYMarkets · updated 19 October 2026
CHF/EUR: what has moved in recent months
The franc regained the upper hand in October: at the ECB reference rate of 19 October, one franc is worth 1.0798 euros, around 1.1% more than on 28 August, even though the ECB tightened its policy. The monetary backdrop is diverging: the SNB remains at 0% with inflation of 1.0%, while the ECB has moved back up to 2.50% against inflation of 3.8%.
CHFSNB at 0%, the franc firms in October
The Swiss National Bank kept its policy rate at 0% on 24 September 2026 and projects inflation of 0.7% for 2026, then 0.8% in 2027 and in 2028. Inflation stood at +1.0% year on year in September, according to the Federal Statistical Office. On the currency side, the euro climbed as high as 0.9478 francs on 30 September, its high for the year, before falling back to 0.9261 at the ECB reference rate of 19 October, its lowest level since 21 July. The SNB's next assessment is on 10 December 2026.
EURThe ECB raised rates in September
On 10 September 2026 the European Central Bank raised its three key interest rates by 25 basis points: the deposit facility rate rose to 2.50% and the main refinancing operations rate to 2.65%, effective 16 September. Euro area inflation accelerated to 3.8% in September, after 3.2% in August, according to Eurostat. Yet the euro fell against the dollar: EUR/USD hit its low for the year on 7 October, at 1.1177, and stood at 1.1225 on 19 October. The next decision is on 29 October 2026, then on 17 December.
CHF → EUR
What it means for you
For a cross-border worker, the gap between 30 September and 19 October is worth around €124 on a 5,000 CHF conversion, in favour of whoever converted later. Nobody could have predicted this move: converting in regular tranches smooths out these gaps, up or down.
ECB reference rate on 19 October 2026: 1 CHF ≈ 1.0798 EUR (excluding margin). The rate shown at the top of the page includes the ibani margin; the converter shows the live rate.
Sources: SNB, monetary policy assessment of 24 September 2026 · Federal Statistical Office, September consumer price index published 1 October 2026 · ECB, euro foreign exchange reference rates · ECB, monetary policy decision of 10 September 2026 · Eurostat, euro area September inflation published 16 October 2026.
General market information, compiled from the sources cited; it constitutes neither investment advice nor a forecast.
The economics of the pair
CHF/EUR: the SNB versus the ECB
The rate between the Swiss franc (CHF) and the euro (EUR) is one of the most closely watched monetary indicators in Europe. Its dynamics are dictated by the relationship between two central banks: the Swiss National Bank (SNB) and the European Central Bank (ECB).
The CHF enjoys safe-haven status. In times of crisis (geopolitical uncertainty, tensions over eurozone debt, inflation), investors buy the Swiss franc en masse. In parallel, the SNB pursues a rigorous policy to contain imported inflation, tending to accept an appreciation of the CHF against the euro to cushion the cost of imports.
Historical reference points: the 1.20 floor set by the SNB in 2011, its abrupt abandonment in January 2015 (the "Francogeddon"), then the euro's lasting fall below parity from 2022 onwards. To plan ahead, see our CHF/EUR forecasts.
Written by Brice Delhome.
Frequently asked questions
Frequently asked questions about CHF/EUR exchange
There is no universally ideal day. The CHF/EUR rate depends on market movements and on the decisions of the SNB and the ECB. The Swiss franc, a safe-haven currency, often appreciates during periods of uncertainty in the eurozone. Monitor the real rate continuously and trigger your exchange at the moment that suits you.
With ibani, you get a personal Swiss (CH) IBAN that you give to your employer. As soon as your salary is paid in CHF, the funds are converted into euros at the real market rate, plus a margin of 0.40% to 0.15% depending on the amount, and transferred to your bank account in France, with no hidden fees.
The strength of the Swiss franc is explained by the SNB's monetary policy aimed at limiting imported inflation, by the great stability of the Swiss economy and by its historic status as a safe-haven currency in times of geopolitical crisis.
ibani applies a transparent margin from 0.40% to 0.15% on the real interbank rate, decreasing with amounts. There are no opening, account maintenance or SEPA transfer fees. It's up to 10× cheaper than a traditional bank. See the details on the Rates page.
Change your Swiss francs
into euros at the right rate.
Get a personal Swiss IBAN, convert your CHF into EUR at the real rate (+ margin from 0.15%) and repatriate with no hidden fees. Free account opening, 100% digital, in 5 minutes.✓ Real interbank rate · ✓ Margin from 0.15% · ✓ Affiliated with SO-FIT (SRO)
* Transfers in currencies other than EUR and CHF may be subject to correspondent bank fees.
Swiss financial intermediary subject to the AMLA regulatory framework
Your money is handled with the utmost regulatory rigour.
ibani SA is a FinTech company established since 2018 in the heart of Geneva, Switzerland. We are a financial intermediary audited for our activity, with thousands of clients and exchange operations to our name.
ibani SA is affiliated with SO-FIT as a financial intermediary within the meaning of Article 2 para. 3 of the Anti-Money Laundering Act (AMLA). SO-FIT is a self-regulatory organisation recognised by the Swiss Financial Market Supervisory Authority (FINMA).