How does Moneyswapp.com offer such competitive rates?
Many people wonder how Moneyswapp.com can offer better exchange rates than large traditional banks and physical cash exchange offices. The answer lies in an efficient business model and in two main factors:
- the overhead costs linked to the online business model;
- the exchange volumes and economies of scale
Digital Efficiency: Zero unnecessary structural costs, more savings for you
Traditional commercial banks and exchange booths have to support massive operational overhead::
Rent for physical local branches;
Salaries for tellers and counter staff;
- Salaries for security personnel;
- Costs for armored safes;
- Cash provisioning and handling, which can cost up to 0.5%;
- Armored vehicles for cash transit;
- Offices equipped with anti-robbery systems;
- Theft insurance policies;
- Complex bureaucratic infrastructures.
See the mark-up spread for each currency pair
* The mark-up spread refers to the additional spread applied by the intermediary compared to the interbank exchange rate.
All of these costs are inevitably reflected in the exchange rates applied to the end client, disguised as hidden fees or high spreads. Fees, spreads, and exchange rate markups reaching up to 2.5% of the exchanged amount can easily be traced back to these overhead expenses.
Moneyswapp.com operates exclusively online, does not handle banknotes or coins, and has no retail shops, exchange booths, or physical safes. The operational headquarters of Moneyswapp.com is located in Chiasso, Switzerland, and can be visited by appointment only.
We have fully digitized the conversion process between Swiss Franc (CHF) and the Euro (EUR). This optimization allows us to drastically cut fixed costs and pass these savings directly on to our clients, guaranteeing rates that are extremely close to the interbank rate.
You can check and compare the exchange rate offered in real time here:
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Your Savings*
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Live exchange rate:
*Savings of 200 basis points (0.02) calculated by comparing Moneyswapp.com rates with the average rates applied by banks and traditional intermediaries in Switzerland.
The power of high volumes
Since 2015, our team has been active in the Swiss Fintech sector, with a strong focus on the CHF/EUR exchange market.
Over more than a decade of activity, we have earned the trust of thousands of users, including cross-border workers, residents, expats and many Small and Medium-sized Enterprises (SMEs). Today, our platform manages extremely high transaction volumes on a daily basis, amounting to millions of CHF per day. This critical mass of exchanged capital allows us to access the institutional interbank market directly, obtaining privileged liquidity conditions.
Thanks to these economies of scale, we buy currency at wholesale prices and can offer individuals and businesses highly competitive rates, which would be impossible for a single private customer or small local operators to achieve. Moneyswapp.com receives thousands of currency exchange requests every hour, together with the related deposits via bank transfer.
Currency exchange transactions per month
Satisfied customers
The company immediately exchanges the funds received, taking into account that, on the institutional wholesale market, the minimum tradable volume is one lot (Lot) equal to 100,000 units of the first currency in the pair. For example, in the EUR/CHF exchange, one lot corresponds to 100,000 euros exchanged into Swiss francs.
While a private customer can exchange even a small amount at a bank or exchange office, such as 100 CHF into euros, an intermediary like Moneyswapp.com operates on international capital markets and exchanges its liquidity with major investment banks in New York, London and Zurich. The minimum amount for each transaction is usually set at one lot, or in some cases 2.5 lots, equal to 250,000 euros against CHF.
Practical example: the currency market is not so different from the apple market. A large supermarket chain obtains a lower price by purchasing several tons of product, compared with a single consumer who buys just one kilogram of apples per week.
Moneyswapp.com combines hundreds or thousands of orders from retail customers, cross-border workers and businesses, allowing them to benefit from exchange rates normally accessible only to large banks and financial intermediaries.
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