Currency exchange for real estate transactions: real savings, from the preliminary agreement to the final deed
Currency Exchange for Real Estate Transactions:
Buying or selling a property across borders is already a complex process in itself.
Don’t let your bank’s exchange rate turn a good deal into an unexpected expense. Moneyswapp.com offers competitive CHF/EUR exchange rates, ideal for the large amounts involved in real estate transactions.
The exchange rate your bank doesn't show you
When buying or selling a property between Switzerland and another country — in either direction — you often need to exchange significant amounts of money: deposits, final payments, notary fees, professional services, and renovation costs. Every Euro (or swiss Franc) lost through an unfavorable exchange rate is money that could have been invested in your property.
Banks typically apply an exchange rate spread — the difference between the real interbank rate and the rate offered to customers — which can range from 1.5% to 3% or more of the amount exchanged. On a €300,000 transaction, even a 1% difference represents a hidden cost of €3,000.
Additional costs often include fixed international transfer fees, unfavorable value dates, and procedures that can delay the transfer process. This can become a critical issue, especially when deadlines set by the notary must be met.
Let's look at an example:
How much can you save compared to your bank?
The comparison below is for illustrative purposes only and is intended to give you an idea of the potential savings. Actual values will depend on market exchange rates at the time of the transaction.
Moneyswapp.com: CHF 350,000
Moneyswapp.com: 0.15%
Moneyswapp.com: ~ CHF 525
Moneyswapp.com: ~ CHF 3.675
Service
Amount to Exchange
Applied Spread (Example)
Estimated Exchange Cost
Potential Savings
Traditional Bank
CHF 350.000
~ 1,2%
~ CHF 4.200
–
Moneyswapp.com
CHF 350.000
0.15%
~ CHF 525
~ CHF 3.675
*Note: The values shown in the table are for illustrative purposes only and do not constitute a guarantee of any exchange rate or savings. The actual rate will depend on market conditions at the time of the transaction. Always check the latest rate on Moneyswapp.com before carrying out any currency exchange transaction.
A saving of 105 basis points (1.05%) is calculated by comparing Moneyswapp.com’s exchange rates with the average rates applied by banks and traditional financial institutions in Switzerland for real estate transactions.
For which real estate transactions can you use Moneyswapp.com?
Purchase of Property abroad from Switzerland (CHF/EUR)
If you are a Swiss resident — a cross-border worker, expat, or Swiss citizen — and have found your dream home on Lake Como, in southern France, or elsewhere in Europe, you will need to convert Swiss francs into euros to cover the deposit, notary fees, and final property payment. Moneyswapp.com allows you to plan each transfer with a competitive exchange rate, without waiting for the delays — and paying the costs — often associated with traditional Swiss banks.
Purchase of Property in Switzerland from another country (CHF/EUR)
Investing in property in Switzerland — an apartment in Lugano or Locarno, a house in the Alps, or a home for your children studying in Geneva or Zurich? The EUR → CHF conversion is one of the first major costs of the transaction. With Moneyswapp.com, you can benefit from a competitive exchange rate and plan your transfer with confidence.
Deposit and Preliminary Purchase Agreement
The payment of the deposit must often be made quickly, sometimes within just a few days of signing the preliminary purchase agreement. A slow or expensive currency exchange service can jeopardize the transaction or reduce the agreed amount. Moneyswapp.com provides speed and transparency from the very first transfer.
Notary Fees and Official Deeds
The deposit payment often needs to be made quickly, sometimes within just a few days of signing the preliminary purchase agreement. A slow or costly currency exchange service can put the transaction at risk or reduce the agreed amount. Moneyswapp.com provides speed and transparency from the very first transfer.
Payment for Renovation Works
Have you purchased a property that requires renovation and need to pay contractors or construction companies in a country that uses a different currency? Moneyswapp.com can also handle staged payments to multiple beneficiaries, offering the same transparency and efficiency as a single transaction.
Managing Rental Income in a Foreign Currency
Do you earn rental income from a property abroad and receive payments in a currency different from your own? Or do you pay rent across borders every month? Moneyswapp.com helps optimize each recurring currency exchange, reducing the impact of exchange rate fluctuations on your monthly cash flow.
How It Works: From Quote to Transfer in 4 Steps
The process is simple, secure, and transparent:
- Register for free on Moneyswapp.com — it only takes a few minutes, with no fees and no obligation.
- Request a currency exchange. Use the calculator on the homepage to instantly see the amount you will receive via bank transfer;.
- Make the transfer. Send the funds you wish to exchange to Moneyswapp.com's account. The team will take care of the rest: your euros (or Swiss francs) will arrive at their destination on time.
- Track every transaction through your personal dashboard, with timely updates delivered by email.
I want to exchange:
Your Savings*
7000 CHFNo fees. You get exactly what you see.
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.
Why choose Moneyswapp.com instead of your bank?
Exchange rates closer to the market
No Hidden Fees
The price you see is the price you pay. No additional transfer fees, no currency handling charges, and no surprises on your statement.
CHF/EUR Specialization
The cross border corridor is our area of expertise. We understand the needs of people who live, work, or invest across both countries: cross-border workers, expats, and international real estate investors.
Fast Transfers
Real estate transactions come with strict deadlines. Our transfers are designed to meet the timing requirements of notaries and preliminary purchase agreements, helping ensure your funds arrive when needed.
Dedicated Support
You’re not dealing with just a digital platform. Our team is available to guide you through every step of the process — especially when handling significant amounts, such as those typically involved in real estate transactions.
Full Traceability
Every transaction is carried out through official and regulated channels, in full compliance with Swiss anti-money laundering (AML) and know-your-customer (KYC) regulations. Your funds remain fully traceable at every stage of the process.
Are you planning a real estate purchase between Switzerland and another country?
Contact us before making any exchange through your bank. In just a few minutes, we can show you how much you could save.
Frequently Asked Questions | FAQ
It’s normal to have questions before trying a new service. That’s why we want to answer the most common ones right away.
Can I lock in the exchange rate before the property closing?
No. Moneyswapp.com does not offer forward contracts or the ability to lock in an exchange rate for a future transaction. However, once you request an exchange, the quoted rate can be secured until 7:00 PM on the following business day. Contact our team to learn more about the specific conditions and availability of this service.
Is it legal to use a private currency exchange service for a real estate purchase?
Yes, absolutely. Using a professional currency exchange service to fund a real estate transaction is perfectly legal in both Switzerland and abroad. Funds are transferred through official banking channels, ensuring full traceability and compliance with applicable anti-money laundering (AML) and know-your-customer (KYC) regulations. Moneyswapp.com operates in accordance with all regulations governing payment services.
How many days before the property closing should I arrange the service?
We recommend contacting us at least 5–10 business days before the scheduled closing payment date. This allows sufficient time to verify the exchange rate, confirm the transaction, and ensure that the funds arrive on time. For particularly large amounts, it is advisable to plan even further in advance.
Does the service also apply to deposit payments?
Can I use Moneyswapp.com if I live in Europe and am buying property in Switzerland?
Yes. The service is available for both directions of the currency exchange process: whether you are converting CHF to EUR (a Swiss resident purchasing property abroad) or EUR to CHF (an foreign resident purchasing property in Switzerland). Please contact our customer service team to verify the required documentation for your specific case.
Can I also use the service to pay for renovation works?
What happens if the property closing date is postponed?
Real estate timelines can change. If the date of your transaction is postponed, please contact our team as soon as possible. We will work with you to find the most suitable solution based on the market conditions at the time of the change.
Is Moneyswapp.com safe? How are my funds protected?
Moneyswapp.com operates in compliance with Swiss regulations governing payment services. All transactions are carried out through official, fully traceable banking channels. For more information about our security measures and operational safeguards, please consult the dedicated section of our website or contact our team directly.
Do I need a Swiss bank account to use Moneyswapp.com?
For most transactions, yes, a Swiss bank account is required. Please contact our team to verify the specific requirements based on your situation and the countries involved.
Moneyswapp.com also offers a free Swiss virtual IBAN service if you do not have a CHF account and would like to benefit from our competitive exchange rates.
Start saving on your next real estate purchase
Every percentage point on the exchange rate matters. On a €300,000 property purchase, the difference between a typical bank rate and the rate offered by Moneyswapp.com can amount to thousands of Swiss francs — money that stays in your pocket and can be invested in your new home.
Free registration, no obligation, no fixed fees. Just a better exchange rate for your property transaction.