If you receive your salary in Swiss francs (CHF), you may often need to convert it into euros (EUR) to manage everyday expenses.
At Moneyswapp.com, we understand this need well: every month many people who earn income in CHF face the same process, often dealing with unfavorable exchange rates and unnecessary costs.
With our service, you can easily convert your francs into euros using two transfers—one outgoing transfer in CHF that you send, and one incoming transfer in EUR handled by the Moneyswapp.com team.
In this guide, we explain in a practical way how to manage these two transfers correctly, so you can receive your euros without delays and at the best possible exchange rate.
How currency exchange via bank transfers works on Moneyswapp.com
Our exchange system is based on a simple but precise process involving two banking steps:
- You send us a domestic transfer in CHF from your CHF bank account to the Moneyswapp.com account.
- We convert the amount and send you a SEPA transfer in EUR to your euro bank account (for other currencies, the payment is sent via SWIFT).
You do not need to open new bank accounts or move your existing banking relationships: you simply use the accounts you already have—one in CHF and one in EUR.
If you are about to start earning income in CHF or you are not satisfied with your current bank account—perhaps because of management fees—we can also provide you with a personal Swiss IBAN at zero cost. No account opening fee, no maintenance costs, and it can also be customized.
Sending a CHF transfer (domestic): how to do it correctly
The first step to complete the exchange is sending a domestic bank transfer in Swiss francs. It is a simple operation, but there are a few important details that ensure everything runs smoothly.
Where to send the transfer
After registering on our website and submitting your first exchange request, you will receive:
- Our dedicated Swiss IBAN to receive your CHF
- The Moneyswapp.com account details
- Your personal reference via QR code, which automatically identifies you and allows you to send your first domestic CHF transfer quickly and securely
The payment reference also contains an important code that links your transfer to your exchange request.
When to send the transfer
You can send the transfer as soon as your salary arrives in your CHF account.
Many customers do it on the same day they receive their salary in order to benefit from the current exchange rate and receive euros quickly.
In most cases, a domestic CHF transfer reaches our account within the same business day if sent in the morning.
Amount and exchange rate
You can choose the amount you want to convert and view in real time on our website the exchange rate and the exact amount in euros you will receive.
The rate is locked at the moment we receive your exchange request (until 19:00 CET of the following banking day). This ensures transparency and consistency with what you saw on the website when submitting your exchange request.
Conversion from CHF to EUR
Once we receive your CHF transfer, our system automatically verifies the payment reference and initiates the conversion.
The exchange rate applied is the one you saw online when submitting your exchange request, updated in real time according to currency markets. If the rate changes during the request process, you will be notified immediately so that you are always fully informed.
As already mentioned and explained in our frequently asked questions, the reserved rate is maintained until 19:00 CET of the following banking day.
As always, we do not apply hidden fees: the converted amount corresponds exactly to what you see when submitting the exchange request.
Practical example
You want to convert 5,000 CHF from your CHF account:
- On our online converter, you see that with a rate of 0.925 you will receive €4,625.
- You submit the exchange request.
- You receive a confirmation email and send 5,000 CHF from your CHF account.
- Once the funds are received, we complete the conversion and send you the equivalent amount in euros.
- Within 24–48 hours (often even the same day), you receive €4,625 in your euro account, without additional deductions or hidden costs.
Receiving the SEPA transfer (in euros)
After the conversion, we send a SEPA transfer from our euro account directly to your euro bank account.
To receive it correctly, please verify the following details during registration:
- The IBAN of your euro account must be in your name.
- The account must accept SEPA transfers in EUR (which is the case for the vast majority of euro accounts).
If your bank applies any incoming transfer fees, these remain the responsibility of the account holder. We do not withhold any additional charges.
The SEPA transfer is fully traceable and typically arrives within a few working hours after the conversion is completed.
Once the exchange has been processed, you will find the history of your transactions in your personal area, including detailed records showing the applied exchange rate, the date, the euro amount transferred, and other relevant information.
Recurring exchange: automating your monthly conversion
If you receive a fixed salary and want to convert it regularly, you can set up a recurring transfer in CHF from your CHF account to Moneyswapp.com.
This way, the exchange can take place automatically every month following the same process: you receive the converted euros in your euro account without needing to repeat the operation manually each time.
Tips to avoid mistakes when sending transfers
Over time, we have noticed that the most common small mistakes can easily be avoided with a few simple precautions:
- If possible, always include your unique reference in the payment note (or use the QR code we send by email). This helps us process your transaction faster and more accurately.
- Do not use intermediaries or third-party accounts: all accounts involved must be in your name.
- Check whether your bank applies fees for receiving international transfers.
- Verify the amount and the currency carefully: it can happen to accidentally set up a transfer in EUR instead of CHF (especially with multi-currency accounts), which may cause delays.
- If possible, send your domestic transfers before 12:00. This allows the CHF funds to reach us within the same business day, enabling immediate conversion (and in some cases you may receive your euros the same evening).
By following these simple guidelines, your transfers can be processed smoothly and the funds will arrive in your euro account without delays.
Security and transparency
All transactions on Moneyswapp.com are carried out through fully traceable bank transfers, supported by our financial partners.
Every step of the process is monitored and documented, and you can easily download the records of each transaction whenever you need them.
In addition, the system is available 24 hours a day, allowing you to send or schedule your currency exchange operations at any time.
Why we use only bank transfers
Bank transfers are at the core of our service: with a simple domestic transfer in CHF and a SEPA transfer in EUR, you can convert your Swiss salary into euros in a transparent, fast, and convenient way.
We take care of the rest: receiving the funds, completing the conversion, and sending the euros to your account—always with highly competitive exchange rates and no hidden fees.
By following the steps described in this guide, you can manage your currency exchanges safely and efficiently, with the confidence that every transaction is fully under control.
If you have not tried Moneyswapp.com yet, join the thousands of users who rely on our service every month: register now and make the most of your Swiss francs.