---
title: "Convert Swiss francs to euros (CHF → EUR)"
url: https://www.ibani.com/en/currency-converter/chf-to-eur-rate
lang: en
date_modified: 2026-09-30
---

CHF → EUR · Live rate

# Convert Swiss francs to euros (CHF → EUR)

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.

[Open my free account](https://www.ibani.com/en/app) Conversion tables

**CHF → EUR**Currency pair

**Real time**Market rate

**0.15%**Margin from

### Simulate your transfer

No hidden fees

— Live rate

—

Estimated annual saving

—

vs. a traditional bank

Per monthly transfer · [Live rates](https://www.ibani.com/en/currency-converter) · [Pricing](https://www.ibani.com/en/rates)

[Get started — It's free](https://www.ibani.com/en/app)

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\* 100% digital sign-up in 5 minutes. Zero account opening or maintenance fees.

**35'000+ clients**Individuals & businesses

**CHF 1 Billion+**Exchanged since 2018

**Up to 10× cheaper**Than a traditional bank

**4.7/5 · Excellent**On 2'000+ client reviews

[![SO-FIT logo](https://www.ibani.com/images/sofit-light.svg) Affiliated with SO-FIT (SRO)\*](https://so-fit.ch/)

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.

### 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.

### 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](https://www.ibani.com/en/rates) page.

Conversion tables

## How much is 1 CHF in EUR (and the reverse)?

Indicative amounts, ibani margin included, updated continuously.

Reference rate as of 21 September 2026; the rate applied is the one at the time of the order.

| [CHF](https://www.ibani.com/en/currency-converter/currencies/chf-swiss-franc) | [EUR](https://www.ibani.com/en/currency-converter/currencies/eur-euro) |
| --- | --- |
| CHF 1 | 1.05 |
| CHF 5 | 5.27 |
| CHF 10 | 10.53 |
| CHF 50 | 52.66 |
| CHF 100 | 105.32 |
| CHF 500 | 526.60 |
| CHF 1'000 | 1'053.21 |
| CHF 5'000 | 5'266.03 |
| CHF 10'000 | 10'537.34 |
| CHF 50'000 | 52'713.13 |

| [EUR](https://www.ibani.com/en/currency-converter/currencies/eur-euro) | [CHF](https://www.ibani.com/en/currency-converter/currencies/chf-swiss-franc) |
| --- | --- |
| EUR 1 | 0.94 |
| EUR 5 | 4.70 |
| EUR 10 | 9.40 |
| EUR 50 | 47.00 |
| EUR 100 | 94.00 |
| EUR 500 | 470.01 |
| EUR 1'000 | 940.02 |
| EUR 5'000 | 4'700.11 |
| EUR 10'000 | 9'400.21 |
| EUR 50'000 | 47'024.65 |

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.

Other pairs

## Convert other currencies

From the Swiss franc (CHF)

[CHF USD](https://www.ibani.com/en/currency-converter/chf-to-usd-rate) [CHF GBP](https://www.ibani.com/en/currency-converter/chf-to-gbp-rate) [CHF CAD](https://www.ibani.com/en/currency-converter/chf-to-cad-rate) [CHF SGD](https://www.ibani.com/en/currency-converter/chf-to-sgd-rate) [CHF TRY](https://www.ibani.com/en/currency-converter/chf-to-try-rate) [CHF JPY](https://www.ibani.com/en/currency-converter/chf-to-jpy-rate)

To the euro (EUR)

[USD EUR](https://www.ibani.com/en/currency-converter/usd-to-eur-rate) [GBP EUR](https://www.ibani.com/en/currency-converter/gbp-to-eur-rate) [EUR CHF](https://www.ibani.com/en/currency-converter/eur-to-chf-rate) [EUR USD](https://www.ibani.com/en/currency-converter/eur-to-usd-rate)

[All our converters →](https://www.ibani.com/en/currency-converter)

Markets · updated 28 August 2026

## CHF/EUR: what has moved in recent months

The euro's summer rebound has found its ceiling. After clearing resistance at 0.9400 on 18 August, at 0.9406, EUR/CHF fell back 0.8% in two sessions to 0.9333 on 20 August before settling around 0.9362. The working corridor has narrowed to 0.9300–0.9410.

CHF

### SNB on hold, growth springs a surprise

The Swiss National Bank kept its policy rate at 0.00% at its 18 June 2026 assessment, a fourth consecutive hold, with inflation projected at 0.6% for both 2026 and 2027. Swiss inflation fell back to 0.4% year on year in July, a four-month low. The surprise of the quarter: GDP jumped 1.5% in the second quarter against expectations of 0.2% to 0.4%, driven by a 15.2% rebound in chemical and pharmaceutical exports. The next assessment is on 24 September 2026.

EUR

### The ECB tightened in June, then waited

On 11 June 2026 the European Central Bank raised its deposit rate by 25 basis points to 2.25% — its first hike since 2023 — in response to an imported energy shock, taking the main refinancing rate to 2.40%. On 23 July it left all three rates unchanged without committing to a path. Euro area inflation came in at 2.9% in July after 2.8% in June, and August PMIs moved clearly back into expansion (composite at 52.1). Rate markets price a further hike on 10 September at roughly 80%.

CHF → EUR

### What it means for you

For a cross-border worker, the gap between the 18 August high and the 20 August low was worth roughly €42 on a 5,000 CHF conversion — a window of just two sessions. Converting in regular tranches captures those breathers without having to predict them.

**Benchmark on 28 August 2026:** 1 CHF ≈ 1.0682 EUR. The converter at the top of this page shows the live rate.

Sources: SNB, monetary policy assessment of 18 June 2026 · Federal Statistical Office, July consumer price index published 3 August 2026 · SECO, flash GDP estimate of 14 August 2026 · ECB, monetary policy decisions of 11 June and 23 July 2026 · Eurostat, euro area July inflation confirmed 19 August 2026 · S&P Global, euro area flash PMI of 21 August 2026.

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](https://www.ibani.com/en/guides/chf-eur-exchange-rate-forecast).

Written by [Brice Delhome](https://www.ibani.com/en/author/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](https://www.ibani.com/en/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.

[OPEN A FREE ACCOUNT](https://www.ibani.com/en/app) [ibani for cross-border workers](https://www.ibani.com/en/cross-border-workers)

✓ 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.

[![SO-FIT logo](https://www.ibani.com/images/sofit-light.svg)](https://so-fit.ch/)

## 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](https://so-fit.ch/) 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](https://www.finma.ch/en/authorisation/self-regulatory-organisations-sros/)).