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Foreign Currency Loan
every repayment carries an exchange rate risk: we eliminate it

Are you repaying a mortgage in euros with a salary in Swiss francs? Or the other way around?

Every month, you are making a currency exchange transaction, often without realizing it, and almost certainly paying your bank more than necessary. Moneyswapp.com allows you to optimize every single payment with competitive exchange rates, with no hidden fees and the option to lock in the rate in advance.

  • Competitive CHF/EUR exchange rates for individuals and cross-border workers
  • Scheduled recurring currency conversions
  • Exchange rate lock available for 24 hours
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The problem banks never explain to you

A foreign currency loan is not just a matter of interest rates. It is also, and often above all, a matter of exchange rates. If your income is in one currency and your debt is in another, every month you are exposed to an additional cost known as exchange rate risk on debt repayments. And this risk comes at a price. When you convert CHF into EUR, or EUR into CHF, through your bank to pay your monthly instalment, the bank applies its own internal exchange rate, which includes a markup over the actual interbank rate. This spread, typically between 1.5% and 2.5%, is applied to every single instalment throughout the entire term of the mortgage. The result is a substantial hidden cost, spread over time and rarely calculated when the agreement is signed.

Example:*
€1,000 per month for 20 years = €240,000 converted.

Money that could stay in your account.

How much does it really cost to convert each instalment through your bank?

The table below is for illustrative purposes only and shows the approximate cumulative cost of currency conversion on a long-term mortgage, comparing a typical bank spread with that of a specialist provider such as Moneyswapp.com.

Duration: 10 years (120 instalments) Monthly instalment: EUR 800/month
Traditional bank: ~CHF 1,920 total
Moneyswapp.com: CHF 336
Duration: 15 years (180 instalments) Monthly instalment: EUR 1,000/month
Traditional bank: ~CHF 3,600 total
Moneyswapp.com: CHF 612
Duration: 20 years (240 instalments) Monthly instalment: EUR 1,200/month
Traditional bank: ~CHF 5,760 total
Moneyswapp.com: ~CHF 979
Potential savings With Moneyswapp.com: up to CHF 4'780

Scenario

Monthly instalment

Traditional bank

Moneyswapp.com

Duration: 10 years (120 instalments)

EUR 800/month

~CHF 1.920 totals

CHF 336

Duration: 15 years (180 instalments)

EUR 1.000/month

~CHF 3.600 totals

CHF 612

Duration: 20 years (240 instalments)

EUR 1.200/month

~CHF 5.760 totals

CHF 979

Potential savings

–

–

up to CHF 4.780

*The figures are for illustrative purposes only. They assume a fixed spread, which is not guaranteed, throughout the entire term and do not account for exchange rate fluctuations over time. Actual savings may vary significantly depending on market conditions and the terms applicable at the time of each individual transaction.

Simulate your currency exchange

Does this sound like your situation?

You have an old mortgage denominated in CHF and earn your income in euros

In the years before 2015, many borrowers chose mortgages denominated in Swiss francs, attracted by the lower interest rates available at the time. When the Swiss National Bank removed the EUR/CHF exchange rate cap in January 2015, the franc strengthened sharply by more than 15%, significantly increasing the monthly cost of repayments. If you are still paying off a CHF-denominated mortgage with an income in euros, each instalment requires an EUR/CHF conversion. With Moneyswapp.com, you can carry out these conversions at more competitive conditions than those generally offered by traditional banks.

Second home abroad: recurring expenses in a foreign currency

It is not always a traditional mortgage. Many people living in Switzerland who own a second home abroad—such as a seaside property or an apartment in Italy or Europe—need to exchange currency regularly to cover service charges, utility bills and maintenance expenses.

Each conversion is an opportunity to reduce exchange costs and save on the currency spread with Moneyswapp.com.

Cross-border worker: salary in CHF, mortgage in euros

You live in the European Union but earn your income in Swiss Francs, while your home and mortgage are in your home country. Each month, you need to convert CHF into the local currency to make your mortgage payment. With Moneyswapp.com, you can access more competitive exchange rates than those typically offered by banks, helping reduce the real cost of every instalment.

Buying property abroad with USD funds: a large initial conversion followed by recurring expenses

You have a mortgage or other recurring expenses in euros, but your funds are held or received in Swiss francs. In addition to an initial large conversion, for example for a deposit or purchase, you may also need to manage regular CHF-to-EUR payments over time. Moneyswapp.com helps you handle both one-off transactions and recurring currency conversions through a single service.

How it works: as simple as a bank transfer

1. Sign up for free

Create your Moneyswapp.com account in just a few minutes through a secure, fully online process.

2. Prepare your transaction

Enter the amount you want to convert and select the currency pair.

3. Check the exchange rate

On Moneyswapp.com, you can view the exchange rate instantly. It is competitive, transparent and free from hidden fees, so you know exactly how much you will receive before confirming the transaction.

4. Request the exchange and transfer the funds

Transfer the amount in CHF or EUR to the Moneyswapp.com account. The team will complete the conversion and send the exchanged funds to the bank account specified in your profile.

5. Track the transaction

Every conversion is documented and available to review from your personal dashboard.

Need help structuring your transaction? The Moneyswapp.com team is available to help you understand how to use the service effectively based on your specific needs, with no obligation.

Why Moneyswapp.com instead of your bank?

  • More competitive spreads: Each monthly payment costs you less in CHF or EUR. Over the years, these savings can add up significantly.
  • No fixed fees: No additional charges for outgoing transfers and no account management fees. The only cost is the spread applied to the currency conversion, kept to a minimum.
  • Transparent pricing before you confirm: You see the exact amount that will reach the recipient before authorising the transaction. No unexpected charges on your bank statement.
  • Specialised in CHF/EUR: The Swiss franc–euro currency conversion is at the heart of our service. We understand the needs of individuals managing cross-border income, mortgages and recurring payments.
  • Flexible timing: You are not required to convert at a time set by the bank. You choose when to make the exchange.
  • Dedicated support: You can contact our team for guidance and operational support, especially helpful when managing a new or complex situation.

I want to exchange:

CHF EUR USD GBP
Swap currencies
CHF EUR USD GBP

Your Savings*

80 CHF

No fees. You get exactly what you see.

Live exchange rate:

1 CHF = - EUR

*Potential savings of 200 basis points (0.02%) are calculated by comparing Moneyswapp.com rates with the average rates applied by traditional banks and currency exchange providers.

Are you paying your foreign currency instalments through your bank?

Compare the exchange rate.

Sign up for free on Moneyswapp.com and find out in just a few minutes how much you could save on your next currency exchange.

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Frequently Asked Questions | FAQ

Frequently Asked Questions About Mortgage Repayments

Yes, this is one of the most common uses of the service. You can convert the amount of your mortgage payment from CHF to EUR through Moneyswapp.com instead of using your bank. The converted funds are then sent to your designated bank account. The result: the same transaction, with a more competitive spread.

 
 

Yes. If you repay a CHF-denominated mortgage with income in euros, you need to convert EUR into CHF each month. Moneyswapp.com offers competitive exchange rates for this direction as well. For guidance on how to structure your transactions, you can contact the team to discuss your specific situation.

No. You cannot use your mortgage lender’s bank details as the destination for the transfer. For legal and security reasons, the converted funds must first be sent to a bank account under your name. You can then make a separate transfer to your mortgage lender.

If your mortgage payment is collected automatically from your bank account, you will not need to take any further action once the funds from Moneyswapp.com have been received.

The service is designed to be simple and repeatable, and you can also activate recurring currency exchanges directly from your profile. Once set up, you only need to arrange a recurring bank transfer, and your conversions will be handled automatically.

For further information, the Moneyswapp.com team can help you choose the best way to manage your recurring exchanges.

Yes. There is no legal requirement to carry out currency conversions through the same bank that issued your mortgage. Funds are transferred through official banking channels with full traceability. Moneyswapp.com operates in accordance with applicable payment services and anti-money laundering regulations (AML). Customers must complete the KYC verification process before making any transactions.

Every payment counts. Make it at the right exchange rate.

It’s not just about saving a few francs on your next payment.

Over a 10, 15 or 20 year mortgage, the difference between your bank’s spread and Moneyswapp.com’s spread applies to every single payment. Over time, the total savings could amount to thousands of Swiss francs.

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Disclaimer on Tax and Pension/Social Security Content

The information, values, and calculations provided on the website, in the guides, and through the related online calculation tools are for indicative, illustrative, and informational purposes only. Estimates Based on Average Parameters. Taxes, duties, social security contributions, and insurance policy premium amounts (both mandatory and optional) are derived from simulations and estimates based on average and general values. Therefore, they cannot in any way take into account the personal, financial, cantonal, or municipal specificities of individual users, nor the inherently volatile nature of currency markets and exchange rate fluctuations. No Professional Advice. The editorial content and calculation tools made available on the website do not constitute, nor are they intended to replace, tax, social security, legal, or financial advice. The use of the information and data is at the user's sole risk and responsibility. Regulatory Updates and Limitation of Liability. Tax, pension, and social security regulations are subject to frequent changes in both Swiss and European legislation. ELP SA assumes no liability, either express or implied, regarding the accuracy, completeness, timeliness, or reliability of the data provided. Important Recommendation: Before making any financial, pension, or tax decision, it is strongly recommended to seek the advice of qualified professionals in the field or to contact the competent authorities directly.