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🇧🇬 BGN / 🇨🇭 CHF ✓ Official Mid-Market Rate (0% Markup) Independent Analysis

BGN to CHF Exchange Rate & Bank Wire Fee Comparison (2026)

Convert Bulgarian Lev (BGN) to Swiss Franc (CHF). The live interbank midpoint rate is 1 BGN = 0.4889 CHF. Compare hidden currency conversion spreads across major international wire systems.

Live Converter

BGN to CHF Real-Time Calculator

Sourced via Central Bank Interbank Feeds
Quick amounts
лв
→
CHF
488.94
Official benchmark rate (0% markup applied)
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Historical Benchmarks

BGN to CHF Historical Exchange Rates

Official central bank reference rates across 30-day, quarterly, and annual lookbacks.

Official Reference Feeds
Period Interbank Midpoint Yield on лв1,000 Trend / Variance
Today (Interbank Midpoint) 1 BGN = 0.4889 CHF CHF488.94 Current Live Rate
30 Days Ago 1 BGN = 0.4870 CHF CHF486.98 +0.4% (Higher)
90 Days Ago (Quarterly) 1 BGN = 0.4948 CHF CHF494.81 -1.2% (Lower)
180 Days Ago (Half-Year) 1 BGN = 0.4787 CHF CHF478.67 +2.1% (Higher)
1 Year Ago (52W Midpoint) 1 BGN = 0.4889 CHF CHF488.94 +0.0% vs Annual Baseline
Settlement Timeline

BGN to CHF Delivery & Settlement Windows

Estimated delivery windows based on standard clearing rails and banking cut-off schedules.

Target System: SIC (Swiss Interbank Clearing) / IBAN
Direct Domestic Rail 0 - 2 Hours

Local Automated Clearing

Transfers settling through local domestic rails (SIC (Swiss Interbank Clearing) / IBAN) typically clear within hours during standard operating windows.

Weekend Processing: Active on 24/7 Rails
Retail SWIFT Wire 1 - 3 Business Days

Correspondent Banking

Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.

Standard Cut-off: 15:00 Local Bank Time
Banking Calendar Standard Schedule

Cut-off & Holiday Factors

Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.

Holiday Settlement: Next Business Day
⚠️

Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (SIC (Swiss Interbank Clearing) / IBAN). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.

Institutional Market Windows

Global FX Market Trading Sessions & Real-Time Liquidity Clock

Live status of the four major international interbank wholesale currency dealing desks (UTC standard).

00:00:00 UTC
🇦🇺 Sydney Session
CLOSED
Wholesale Hours: 21:00 - 06:00 UTC
Pacific Clearing Window
🇯🇵 Tokyo Session
CLOSED
Wholesale Hours: 00:00 - 09:00 UTC
Asian Core Hub (21% Vol)
🇬🇧 London Session
CLOSED
Wholesale Hours: 08:00 - 17:00 UTC
European Core Hub (38% Vol)
🇺🇸 New York Session
CLOSED
Wholesale Hours: 13:00 - 22:00 UTC
Americas Core Hub (19% Vol)
🧭 Current Market Liquidity Status: Calculating...
Optimal execution: During London & NY overlap (13:00 - 17:00 UTC)

ℹ️ Market Operational Notice: Institutional trading sessions reflect international wholesale dealing hours. Retail bank wire transfers execute according to the sending and receiving commercial banks local business day cut-off calendars. For educational and liquidity timing analysis only.

Transfer Preparation

Required Details to Wire BGN to CHF

Make sure you have these exact payment credentials before initiating your transfer.

1. Recipient Identity

Beneficiary Full Name

Exact match as registered on recipient bank account.

2. Account Identifier

SIC (Swiss Interbank Clearing) / IBAN

IBAN, Account Number, or local domestic routing code.

3. Bank Code

SWIFT / BIC Code

8 or 11 character identifier of the recipient's bank branch.

4. Transfer Purpose

Payment Reference

Invoice number or descriptive reference for AML compliance.

Macroeconomic Analysis

BGN vs CHF: Central Bank Policy & Inflation Matrix

Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.

Official Macro Indicators
🇧🇬

Bulgarian Lev (BGN)

Bulgarian National Bank (BNB)

Policy Rate

3.75%

Benchmark rate
Annual CPI Inflation

2.1%

Consumer prices
Estimated Real Yield (Rate - Inflation): +1.6%
🇨🇭

Swiss Franc (CHF)

Swiss National Bank (SNB)

Policy Rate

1.25%

Benchmark rate
Annual CPI Inflation

1.3%

Consumer prices
Estimated Real Yield (Rate - Inflation): -0.1%
Policy Rate Differential: 2.50% (BGN vs CHF)
Inflation Differential: 0.80% (Annual CPI spread)
ℹ️

Macroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Bulgarian National Bank (BNB), Swiss National Bank (SNB)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.

Macroeconomic Valuation

BGN to CHF: Purchasing Power Parity (PPP) & Inflation Simulator

Simulate real consumer purchasing power erosion across cumulative central bank CPI inflation lookbacks.

1. Origin CPI Erosion +25.8%

To match the domestic purchasing power of лв1,000 from 2020, you need:

Adjusted Domestic Principal

лв1,258.26 BGN

Based on cumulative Bulgarian National Bank (BNB) CPI figures.

2. Nominal Spot Payout Current Interbank

Converting that baseline principal today at current interbank spot (1 BGN = 0.4889 CHF) yields:

Nominal Spot Converted

CHF488.94 CHF

Without real purchasing power adjustment.

3. Real PPP Equivalent +23.4% Target CPI

True purchasing power parity target in CHF to preserve original basket consumption:

Real PPP Target Value

CHF615.08 CHF

Reflects bilateral real exchange rate parity.

Purchasing Power Parity Alignment Gauge: Calculated Parity

Relative inflation differential between BGN and CHF indicates historical purchasing power trajectory.

⚖️ Purchasing Power Parity (PPP) & Inflation Notice: Real purchasing power calculations are modeled from national Consumer Price Index (CPI) datasets published by official statistical bodies and IMF World Economic Outlook benchmarks. Compound inflation adjustments reflect representative consumer basket indices and do not guarantee specific commodity, asset, or real estate values. Provided strictly for educational and macroeconomic comparative analysis.

Interactive Trend Analysis

BGN to CHF Historical Exchange Rate Chart

Real-time interbank rate trajectory across standard historical observation periods.

Period Low

--

Period High

--

Period Average

--

Current Spot

CHF0.4889

⚖️ Historical Data Disclaimer: Historical exchange rate trajectory is synthesized from official central bank reference fixes and interbank mid-market fixes. Past foreign exchange movements do not predict future trends. For informational, educational, and analytical benchmarking purposes only.

Corridor Volatility & Trend

52-Week Exchange Rate Position

Liquidity Status: High & Stable
52W Low: CHF0.4694 Current: CHF0.4889 52W High: CHF0.5085
Lower bound Current rate sits at 50.0% of annual range Upper bound
Independent Market Analysis

Compare Wire Transfer Costs: BGN to CHF

Estimates based on standard retail bank margins vs direct interbank rail settling.

Zero Promotional Bias
лв1,000 BGN
лв250 лв5,000 лв10,000 лв20,000
Benchmark

Direct Midpoint Rail

0.0% Rate Markup (Interbank)

Rail Fee:лв4.50
Rate:0.4889
Clearing:Instant / Same Day
Recipient Receives

CHF488.94

Maximum Yield

Optimal Benchmark Rail
Retail SWIFT

Commercial Banks

~3.2% Hidden FX Margin

SWIFT Fee:лв25.00
Bank Rate:0.4733
Speed:2-4 Business Days
Recipient Receives

CHF872.53

-Lost to Hidden Margin

High Intermediary Margin
Consumer Wallet

Global Wallets

3.5% Currency Spread

Tx Fee:лв4.99
Rate:0.4718
Speed:Instant (Closed Wallet)
Recipient Receives

CHF887.41

Closed loop balance

Convenient but Marked Up
Cash Agent

Cash Remittance

Retail Spread + Cash Fee

Counter Fee:лв8.00
Rate:0.4772
Speed:Physical Counter / 1 Day
Recipient Receives

CHF896.12

Physical cash pickup

Agent Network Fee
Transparent Cost Breakdown

Traditional Bank Wire Cost Itemization (BGN to CHF)

See how retail banks charge upfront wire fees, SWIFT intermediary deductions, and currency markup.

Based on G20 Remittance Pricing Metrics
Transfer Principal: лв1,000.00 BGN
1. Originating Bank Upfront Wire Fee

Fixed outgoing international wire tariff charged by retail banks.

лв25.00
2. SWIFT Intermediary / Correspondent Bank Fee

Charged by routing banks under standard SWIFT SHA/BEN clearing rules.

лв20.00
3. Retail Exchange Rate Margin (Hidden Spread)

Typical 2.8% markup added on top of the interbank midpoint.

лв28.00
Total Traditional Bank Friction: -лв73.00
Recipient Receives via Commercial Bank: CHF883.60
Transparent Direct Rail 0% Rate Markup
Direct Domestic Clearing Fee: лв4.50
Intermediary Correspondent Deductions: лв0.00 (Bypassed)
Currency Exchange Markup: 0.00% (Interbank Spot)
Recipient Receives: CHF486.74
Estimated Direct Advantage: +CHF-396.86

🔒 Benchmarking Methodology & Regulatory Notice: The simulated fee itemization reflects empirical retail banking wire pricing standards reported under the G20 Financial Stability Board cross-border payment targets and World Bank Remittance Prices Worldwide dataset. SWIFT correspondent deductions depend on whether the transfer is initiated as OUR, SHA, or BEN, and intermediary routing hops. WireCompare is an independent analytical benchmark engine, not a regulated bank.

Lookup Tables

BGN to CHF Fast Conversion Matrix

Direct interbank rate values compared against typical commercial bank payouts.

🇧🇬 BGN to 🇨🇭 CHF

1 BGN = 0.4889 CHF
Amount Mid-Market Rate Bank Payout Hidden Spread
лв1 BGN CHF0.49 CHF CHF0.00 -CHF9.48
лв5 BGN CHF2.44 CHF CHF0.00 -CHF9.54
лв10 BGN CHF4.89 CHF CHF0.00 -CHF9.62
лв25 BGN CHF12.22 CHF CHF2.37 -CHF9.86
лв50 BGN CHF24.45 CHF CHF14.20 -CHF10.25
лв100 BGN CHF48.89 CHF CHF37.86 -CHF11.03
лв250 BGN CHF122.23 CHF CHF108.86 -CHF13.38
лв500 BGN CHF244.47 CHF CHF227.18 -CHF17.29
лв1,000 BGN CHF488.94 CHF CHF463.83 -CHF25.11
лв5,000 BGN CHF2,444.69 CHF CHF2,356.99 -CHF87.70
лв10,000 BGN CHF4,889.38 CHF CHF4,723.45 -CHF165.93

🇨🇭 CHF to 🇧🇬 BGN (Reverse)

1 CHF = 2.0452 BGN
Amount Mid-Market Rate Bank Payout Hidden Spread
CHF1 CHF лв2.05 BGN лв0.00 -лв39.66
CHF5 CHF лв10.23 BGN лв0.00 -лв39.92
CHF10 CHF лв20.45 BGN лв0.00 -лв40.25
CHF25 CHF лв51.13 BGN лв9.90 -лв41.23
CHF50 CHF лв102.26 BGN лв59.39 -лв42.87
CHF100 CHF лв204.52 BGN лв158.38 -лв46.14
CHF250 CHF лв511.31 BGN лв455.35 -лв55.96
CHF500 CHF лв1,022.62 BGN лв950.30 -лв72.32
CHF1,000 CHF лв2,045.25 BGN лв1,940.21 -лв105.04
CHF5,000 CHF лв10,226.25 BGN лв9,859.41 -лв366.84
CHF10,000 CHF лв20,452.49 BGN лв19,758.41 -лв694.08
Mid-Market Rate

0.4889

1 BGN = CHF0.4889

Inverse Rate

2.0452

1 CHF = лв2.0452

52-Week Range

0.4694 - 0.5085

Annual volatility band

Target Bank System

SIC (Swiss Interbank Clearing) / IBAN

Clearing rail for CHF

Knowledge Base

Frequently Asked Questions (BGN to CHF)

Click any question to expand
Q What is the current exchange rate for BGN to CHF?
As of 2026, the real mid-market interbank rate is 1 BGN = 0.488938 CHF. This is the true benchmark rate with zero hidden bank markup.
Q How much does a bank charge to send BGN to CHF?
Most traditional high-street banks charge a front-end wire fee of around лв25 plus a 2.5% to 4% hidden exchange rate markup. On a лв1,000 transfer, you typically lose around CHF25.28 compared to specialized neobanks like Wise.
Q What bank codes are needed to send CHF to Switzerland?
To receive CHF in Switzerland, the recipient typically needs to provide their SIC (Swiss Interbank Clearing) / IBAN.
Q How fast does an international transfer take between BGN and CHF?
Using modern digital payment networks (like Wise or local fast rails), transfers often arrive within minutes or hours. Traditional SWIFT bank wires take 2 to 4 business days.

Related Corridors From BGN

View Reverse: CHF to BGN →

BGN → USD

1 BGN = 0.5531 USD

BGN → EUR

1 BGN = 0.5113 EUR

BGN → GBP

1 BGN = 0.4267 GBP

BGN → JPY

1 BGN = 85.2876 JPY