The real USD/CHF 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.
USD → CHF · Real-time rateConvert US dollars
into Swiss francs (USD → CHF)
1 USD = 0.8241 CHF 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 US dollars (USD) into Swiss francs (CHF) at the real interbank rate, in real time. Ideal for cashing in a payment, freelance income or dividends in dollars, with a margin from 0.40% to 0.15% and no hidden fees.
USD → CHFCurrency pair
Real timeMarket rate
0.15%Margin from
Simulate your transfer
No hidden fees1 USD = 0.8241 CHF Rate as of 29 October 2026
824.05
Estimated annual saving
—
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USD/CHF conversion in a nutshell
Convert US dollars into Swiss francs, at the right rate
The essentials for changing your USD into CHF without a nasty surprise 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
Cash in your payments in USD on an IBAN in your name, automatically converted into Swiss francs.
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
USD → CHF: ibani, bank or exchange office?
On an exchange of 5'000 USD, the margin applied to the rate makes all the difference to the amount received in francs.
| Criterion | ibani | Bank | Exchange office |
|---|---|---|---|
| Starting rate | Real interbank | "In-house" rate | "In-house" rate |
| Exchange margin | 0.40% | ~1.5 to 2% | Often > 2% |
| Transfer fees | CHF 0 | Variable | — |
| Estimated cost on 5'000 USD* | ~CHF 20 | ~CHF 90 | > CHF 100 |
| 100% digital tracking | Yes | Partial | No |
*Indicative orders of magnitude for a one-off exchange of 5'000 USD. See the details on our Rates page.
Rate evolution
USD / CHF exchange rate live
Follow the trend of the pair to choose the right moment for your exchange.
| Indicator | 30 days | 90 days |
|---|---|---|
| High | 0.8353 | 0.8353 |
| Low | 0.8220 | 0.7990 |
| Average | 0.8294 | 0.8182 |
| Change | −0.31% | +2.53% |
European Central Bank reference rates, from 31 July to 28 October (90 days) and from 29 September to 28 October (30 days), 2026. Cross rates calculated via the euro. 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 USD in CHF (and the other way round)?
Indicative amounts, ibani margin included, continuously updated.
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 USD changed into CHF, 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 payer or client to receive your dollars directly on ibani.
Receive your Swiss francs at the real rate
ibani converts your USD into CHF at the market rate, plus a margin of 0.40% to 0.15% depending on the amount, and transfers the francs to your account, the same day.
EUR
GBP
CAD
SGDMarkets · updated 19 October 2026
USD/CHF: what has moved in recent months
The dollar regained 2.6% against the franc between 28 August and 19 October, from 0.8043 to 0.8250. The driver is the rate gap: the Fed raised its rates to 3.75%–4.00% on 16 September, with US inflation at 3.7% in September, while the SNB remains at 0% against inflation of 1.0%.
USDThe Fed raises rates unanimously
On 16 September 2026 the Federal Reserve raised the target range for the federal funds rate by 25 basis points, to 3.75%–4.00%, by twelve votes to none. US inflation came in at 3.7% year on year in September, and at 2.6% excluding food and energy. The dollar firmed: against the franc, it hit its 2026 high on 1 October, at 0.8353, and stood at 0.8250 at the 19 October reference rate, up 2.6% since 28 August. The next meeting is on 27 and 28 October 2026, then on 8 and 9 December.
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.
USD → CHF
What it means for you
The pair hit 0.8353 on 1 October, its high for the year, then fell back by more than 1% in just over two weeks. For a dollar income converted into francs, splitting conversions limits the effect of a badly chosen date; the next Fed meeting is on 27 and 28 October 2026.
ECB reference rate on 19 October 2026: 1 USD ≈ 0.8250 CHF (excluding margin). The rate shown at the top of the page includes the ibani margin; the converter shows the live rate.
Sources: Federal Reserve, statement of 16 September 2026 · Bureau of Labor Statistics, September consumer price index published 14 October 2026 · ECB, euro foreign exchange reference rates · SNB, monetary policy assessment of 24 September 2026 · Federal Statistical Office, September consumer price index published 1 October 2026.
General market information, compiled from the sources cited; it constitutes neither investment advice nor a forecast.
The economics of the pair
USD/CHF: the Fed versus the SNB
The rate between the US dollar (USD) and the Swiss franc (CHF) is one of the major pairs on the foreign exchange market. Its dynamics are driven by the monetary policy gap between two central banks: the US Federal Reserve (Fed) and the Swiss National Bank (SNB).
When the Fed raises its key rates faster than the SNB, the dollar tends to strengthen against the franc, as the yield gap makes USD investments more attractive. Conversely, a US easing cycle or a renewed risk aversion benefit the Swiss franc. A particularity of this pair: USD and CHF both share a status of safe-haven currency, so that in a global crisis they can appreciate simultaneously, compressing the amplitude of the rate.
Reference points: USD/CHF parity (1 dollar = 1 franc) is a psychological threshold frequently crossed in both directions. Over the past decade, the franc has broadly strengthened against the dollar, with the SNB ensuring it contains imported inflation. US employment and inflation figures, released each month, trigger the most marked movements on the pair.
On the same topic, discover how to lock in a favourable rate and buy currency for your business.
Written by Brice Delhome.
Frequently asked questions
Frequently asked questions about USD/CHF exchange
There is no universal ideal day. The USD/CHF rate depends on the markets and on the monetary policy gap between the Fed (US Federal Reserve) and the SNB (Swiss National Bank). The Swiss franc, a safe-haven currency, tends to strengthen against the dollar in times of tension. Monitor the real rate continuously and trigger your exchange at the moment that suits you.
USD/CHF is one of the major pairs on the foreign exchange market. Its volatility comes from the rate decisions of the Fed and the SNB, US economic figures (employment, inflation) and the safe-haven role shared by the dollar and the Swiss franc, which can react in opposite directions depending on the context.
With ibani, you get a personal Swiss (CH) IBAN that you give to your payer. As soon as the funds are received in USD, they are converted into Swiss francs at the real market rate, plus a margin of 0.40% to 0.15% depending on the amount, and transferred to your account, with no hidden fees. Ideal for freelancers, dividends or income invoiced in dollars.
ibani applies a transparent margin from 0.40% to 0.15% on the real interbank rate, decreasing with amounts. There are no opening or account maintenance fees. It's up to 10× cheaper than a traditional bank. See the details on the Rates page.
Change your US dollars
into Swiss francs at the right rate.
Get a personal Swiss IBAN, convert your USD into CHF at the real rate (+ margin from 0.15%) and cash in 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).