SwitzerlandCHFSwiss Franc
The Swiss franc (CHF) is a separate currency from EUR: the recipient receives CHF to an IBAN CH account (21 characters) at UBS or Raiffeisen Switzerland. Russians transfer CHF to partners, family, and to pay Swiss accounts - in 2022 Switzerland imposed sanctions against Russia, but transfers by ordinary individuals are not blocked. ATM24 routes transfers through unblocked correspondent banks.
The route, the receiving bank and the payout amount are agreed before payment.
UBS, which completed its acquisition of Credit Suisse in 2023, and Raiffeisen Switzerland are among the country's largest banks. Transfers to Switzerland can be credited in Swiss francs (CHF) to a bank account with IBAN CH. A Swiss IBAN contains 21 characters: CH + 2 check digits + 5 digits of the bank or clearing code + 12 characters of the account number. A transfer typically requires the recipient's IBAN CH, the bank's BIC/SWIFT, and the recipient's full name. Switzerland is part of SEPA but is not a member of the eurozone: CHF and EUR are different currencies with their own exchange rates.
The Swiss franc is traditionally considered a "safe haven" currency, so the CHF to RUB exchange rate is confirmed at the time of application. In 2022, Switzerland joined a significant portion of EU sanctions measures against Russia, so the possibility of a particular transfer depends on the recipient bank, the correspondent chain, and AML/KYC checks. ATM24 verifies in advance the available route through correspondent banks that are not subject to restrictions. ATM24's commission is from 0.9% with no additional markups to agreed terms. The transfer time is several business days and is clarified when submitting the application.
CHF. Cards are linked to IBAN CH. Issuing banks: UBS, Raiffeisen Switzerland, ZKB. Commission from 0.9% with no markups to the exchange rate. Confirm transfer timeframes with your manager
CHF. IBAN format: CH + 19 digits, total 21 characters. Recipient banks: UBS, Raiffeisen Switzerland, ZKB (Zurcher Kantonalbank). Commission from 0.9% with no markups to the exchange rate. Credited within several business days (timeframes to be confirmed with your manager)
By arrangement with your manager. Confirm the list of pickup locations when submitting your application. Withdrawal in Swiss francs (CHF). Commission from 0.9%. Pickup locations - check with your ATM24 manager
Switzerland imposed sanctions against Russia in 2022 - but private transfers by individuals remain possible. ATM24 routes CHF through unblocked correspondent banks. CHF is an independent currency (not EUR): you need an IBAN CH specifically, not an IBAN from an EU country. Clarify the route with your manager.
We accept RUB, USD, EUR and USDT — we pay out in CHF
RUB CHF
0.008514per 1 RUB
10 000 ₽ = 85.14 CHFUSD CHF
0.7633per 1 USD
100 $ = 76.33 CHFEUR CHF
0.8651per 1 EUR
100 € = 86.51 CHFUSDT CHF
0.7633per 1 USDT
100 USDT = 76.33 CHF| You send | Payout in CHF |
|---|---|
| 100 USDT | 76.33 CHF |
| 300 USDT | 229 CHF |
| 500 USDT | 382 CHF |
| 1 000 USDT | 763 CHF |
| 5 000 USDT | 3 816 CHF |
Where recipients usually get the money in Switzerland
Type: Private (Switzerland's largest bank; acquired Credit Suisse in 2023); Accepts transfers from Russia: Yes (UBSWCHZH - confirm route)
Type: Cooperative (second by deposits); Accepts transfers from Russia: Yes (RAIFCH22 - confirm route)
Zürcher Kantonalbank ZKB — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
PostFinance — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Julius Baer — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
Switzerland has been part of SEPA since 2006, but is not a member of the eurozone: CHF and EUR are different currencies.
Card systems
Visa and Mastercard are the main international systems. Maestro is traditionally used for debit cards. The national TWINT wallet provides QR payments and transfers between any Swiss banks. PostFinance Card is accepted at most local merchants.
Payment applications
Credit Suisse ceased to exist as an independent bank following its emergency acquisition by UBS in 2023.
Interbank transfers
Schweizerische Nationalbank (SNB) - the Swiss National Bank and the country's independent central bank, not part of the ECB system.
Financial regulator
A Swiss IBAN contains 21 characters: CH + 2 check digits + bank clearing number (5) + account number (12).
Special features for ATM24
Switzerland introduced its own sanctions against Russia in February–March 2022, largely synchronized with EU packages, while implementing them as an independent state.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
Switzerland is not in the EU, not in the eurozone, but is part of SEPA. Below are answers to frequently asked questions about CHF and transfers from Russia.
To send money to Switzerland with payout in CHF through ATM24, start with the recipient's exact route for the Swiss CHF route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as UBS. Bank-route examples for Switzerland: UBS, Zürcher Kantonalbank, Zürcher Landbank, Zurich Cantonal Bank, and Zuger Kantonalbank.
A card or bank-account payout in Switzerland in CHF is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the Swiss CHF route. The manager confirms the selected bank, such as UBS or Zürcher Landbank, before payment because card and account rules may differ. Bank-route examples for Switzerland: UBS, Zürcher Kantonalbank, Zürcher Landbank, Zurich Cantonal Bank, and Zuger Kantonalbank.
For bank payout in Switzerland, useful CHF references include UBS, Zürcher Kantonalbank, Zürcher Landbank, Zurich Cantonal Bank, and Zuger Kantonalbank. ATM24 treats the bank named by the recipient as the working route and checks recipient name, account data, and route availability. The sender pays after that bank route is confirmed.
For Switzerland, ATM24 does not use one universal recipient form for every CHF transfer. The details are checked by route: UBS, Zürcher Kantonalbank, Zürcher Landbank, Zurich Cantonal Bank, and Zuger Kantonalbank, card payout, account payout. Name, account/card data, and payout currency must match the selected option. Bank-route examples for Switzerland: UBS, Zürcher Kantonalbank, Zürcher Landbank, Zurich Cantonal Bank, and Zuger Kantonalbank.
A CHF transfer to Switzerland can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and Swiss CHF route, UBS, Zürcher Kantonalbank, Zürcher Landbank, card route, account route, and separate checks for UBS and Zürcher Landbank. The expected payout window is shown before payment. Bank-route examples for Switzerland: UBS, Zürcher Kantonalbank, Zürcher Landbank, Zurich Cantonal Bank, and Zuger Kantonalbank.
The ATM24 fee for sending money to Switzerland with payout in CHF starts from 0.9% on the Swiss CHF route. The final calculation depends on the amount, payment currency, payout method, exchange rate, and the recipient's bank. If the sender pays by an international card or through a bank transfer, the card issuer or sending bank may charge its own foreign transaction, conversion, transfer, or dynamic currency conversion fee. Bank-route examples for Switzerland: UBS, Zürcher Kantonalbank, Zürcher Landbank, Zurich Cantonal Bank, and Zuger Kantonalbank.
Yes, the sender can use an available card, bank transfer, USDT, or another confirmed method while the recipient receives CHF in Switzerland. The manager checks UBS, Zürcher Kantonalbank, payout route, exchange conditions, and final amount before payment. Any card conversion or sending-bank fee remains outside the recipient payout. Bank-route examples for Switzerland: UBS, Zürcher Kantonalbank, Zürcher Landbank, Zurich Cantonal Bank, and Zuger Kantonalbank.
ATM24 accepts transfers to Switzerland in CHF from 100 USD or the equivalent. The maximum amount is not a single country-wide number; it depends on the Swiss CHF route, bank rules, payout channel, sender payment method, and recipient data. For a large transfer, the manager confirms the limit and documents before the sender pays. Bank-route examples for Switzerland: UBS, Zürcher Kantonalbank, Zürcher Landbank, Zurich Cantonal Bank, and Zuger Kantonalbank.
For a large CHF transfer to Switzerland, ATM24 reviews documents around Swiss CHF route, UBS, Zürcher Kantonalbank, recipient-name match, route limit, payment purpose, source-of-funds review, and separate checks for UBS and Zürcher Landbank. The request may require sender ID, source-of-funds details, recipient bank data, and payment purpose. The manager confirms the exact list before payment. Bank-route examples for Switzerland: UBS, Zürcher Kantonalbank, Zürcher Landbank, Zurich Cantonal Bank, and Zuger Kantonalbank.
If you send 1000 USD to Switzerland, the recipient amount in CHF is not a generic market-rate number: 763.25 CHF. The calculation uses the payout route, bank such as Zürcher Landbank, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for Switzerland: UBS, Zürcher Kantonalbank, Zürcher Landbank, Zurich Cantonal Bank, and Zuger Kantonalbank.
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