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🇸🇪 SEK / 🇨🇭 CHF ✓ Official Mid-Market Rate (0% Markup) Independent Analysis

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

Convert Swedish Krona (SEK) to Swiss Franc (CHF). The live interbank midpoint rate is 1 SEK = 0.0816 CHF. Compare hidden currency conversion spreads across major international wire systems.

Live Converter

SEK to CHF Real-Time Calculator

Sourced via Central Bank Interbank Feeds
Quick amounts
kr
→
CHF
81.59
Official benchmark rate (0% markup applied)
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Historical Benchmarks

SEK 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 kr1,000 Trend / Variance
Today (Interbank Midpoint) 1 SEK = 0.0816 CHF CHF81.59 Current Live Rate
30 Days Ago 1 SEK = 0.0813 CHF CHF81.26 +0.4% (Higher)
90 Days Ago (Quarterly) 1 SEK = 0.0826 CHF CHF82.57 -1.2% (Lower)
180 Days Ago (Half-Year) 1 SEK = 0.0799 CHF CHF79.88 +2.1% (Higher)
1 Year Ago (52W Midpoint) 1 SEK = 0.0816 CHF CHF81.59 +0.0% vs Annual Baseline
Settlement Timeline

SEK 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.

Transfer Preparation

Required Details to Wire SEK 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

SEK vs CHF: Central Bank Policy & Inflation Matrix

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

Official Macro Indicators
🇸🇪

Swedish Krona (SEK)

Riksbank

Policy Rate

3.25%

Benchmark rate
Annual CPI Inflation

1.9%

Consumer prices
Estimated Real Yield (Rate - Inflation): +1.4%
🇨🇭

Swiss Franc (CHF)

Swiss National Bank (SNB)

Policy Rate

1.25%

Benchmark rate
Annual CPI Inflation

1.1%

Consumer prices
Estimated Real Yield (Rate - Inflation): +0.1%
Policy Rate Differential: 2.00% (SEK 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 (Riksbank, 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.

Corridor Volatility & Trend

52-Week Exchange Rate Position

Liquidity Status: High & Stable
52W Low: CHF0.0783 Current: CHF0.0816 52W High: CHF0.0849
Lower bound Current rate sits at 50.0% of annual range Upper bound
Independent Market Analysis

Compare Wire Transfer Costs: SEK to CHF

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

Zero Promotional Bias
kr1,000 SEK
kr250 kr5,000 kr10,000 kr20,000
Benchmark

Direct Midpoint Rail

0.0% Rate Markup (Interbank)

Rail Fee:kr4.50
Rate:0.0816
Clearing:Instant / Same Day
Recipient Receives

CHF81.59

Maximum Yield

Optimal Benchmark Rail
Retail SWIFT

Commercial Banks

~3.2% Hidden FX Margin

SWIFT Fee:kr25.00
Bank Rate:0.0790
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:kr4.99
Rate:0.0787
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:kr8.00
Rate:0.0796
Speed:Physical Counter / 1 Day
Recipient Receives

CHF896.12

Physical cash pickup

Agent Network Fee
Lookup Tables

SEK to CHF Fast Conversion Matrix

Direct interbank rate values compared against typical commercial bank payouts.

🇸🇪 SEK to 🇨🇭 CHF

1 SEK = 0.0816 CHF
Amount Mid-Market Rate Bank Payout Hidden Spread
kr1 SEK CHF0.08 CHF CHF0.00 -CHF1.58
kr5 SEK CHF0.41 CHF CHF0.00 -CHF1.59
kr10 SEK CHF0.82 CHF CHF0.00 -CHF1.61
kr25 SEK CHF2.04 CHF CHF0.39 -CHF1.64
kr50 SEK CHF4.08 CHF CHF2.37 -CHF1.71
kr100 SEK CHF8.16 CHF CHF6.32 -CHF1.84
kr250 SEK CHF20.40 CHF CHF18.17 -CHF2.23
kr500 SEK CHF40.80 CHF CHF37.91 -CHF2.89
kr1,000 SEK CHF81.59 CHF CHF77.40 -CHF4.19
kr5,000 SEK CHF407.95 CHF CHF393.32 -CHF14.63
kr10,000 SEK CHF815.91 CHF CHF788.22 -CHF27.69

🇨🇭 CHF to 🇸🇪 SEK (Reverse)

1 CHF = 12.2563 SEK
Amount Mid-Market Rate Bank Payout Hidden Spread
CHF1 CHF kr12.26 SEK kr0.00 -kr237.67
CHF5 CHF kr61.28 SEK kr0.00 -kr239.24
CHF10 CHF kr122.56 SEK kr0.00 -kr241.20
CHF25 CHF kr306.41 SEK kr59.32 -kr247.09
CHF50 CHF kr612.81 SEK kr355.92 -kr256.89
CHF100 CHF kr1,225.63 SEK kr949.12 -kr276.50
CHF250 CHF kr3,064.06 SEK kr2,728.73 -kr335.33
CHF500 CHF kr6,128.13 SEK kr5,694.75 -kr433.38
CHF1,000 CHF kr12,256.25 SEK kr11,626.77 -kr629.48
CHF5,000 CHF kr61,281.27 SEK kr59,082.99 -kr2,198.28
CHF10,000 CHF kr122,562.54 SEK kr118,403.26 -kr4,159.28
Mid-Market Rate

0.0816

1 SEK = CHF0.0816

Inverse Rate

12.2563

1 CHF = kr12.2563

52-Week Range

0.0783 - 0.0849

Annual volatility band

Target Bank System

SIC (Swiss Interbank Clearing) / IBAN

Clearing rail for CHF

Knowledge Base

Frequently Asked Questions (SEK to CHF)

Click any question to expand
Q What is the current exchange rate for SEK to CHF?
As of 2026, the real mid-market interbank rate is 1 SEK = 0.081591 CHF. This is the true benchmark rate with zero hidden bank markup.
Q How much does a bank charge to send SEK to CHF?
Most traditional high-street banks charge a front-end wire fee of around kr25 plus a 2.5% to 4% hidden exchange rate markup. On a kr1,000 transfer, you typically lose around CHF4.21 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 SEK 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 SEK

View Reverse: CHF to SEK →

SEK → USD

1 SEK = 0.0942 USD

SEK → EUR

1 SEK = 0.0871 EUR

SEK → GBP

1 SEK = 0.0726 GBP

SEK → JPY

1 SEK = 14.3503 JPY