USD to CHF Exchange Rate & Bank Wire Fee Comparison (2026)
Convert US Dollar (USD) to Swiss Franc (CHF). The live interbank midpoint rate is 1 USD = 0.8665 CHF. Compare hidden currency conversion spreads across major international wire systems.
USD to CHF Real-Time Calculator
USD to CHF Historical Exchange Rates
Official central bank reference rates across 30-day, quarterly, and annual lookbacks.
| Period | Interbank Midpoint | Yield on $1,000 | Trend / Variance |
|---|---|---|---|
| Today (Interbank Midpoint) | 1 USD = 0.8665 CHF | CHF866.50 | Current Live Rate |
| 30 Days Ago | 1 USD = 0.8630 CHF | CHF863.03 | +0.4% (Higher) |
| 90 Days Ago (Quarterly) | 1 USD = 0.8769 CHF | CHF876.90 | -1.2% (Lower) |
| 180 Days Ago (Half-Year) | 1 USD = 0.8483 CHF | CHF848.30 | +2.1% (Higher) |
| 1 Year Ago (52W Midpoint) | 1 USD = 0.8665 CHF | CHF866.50 | +0.0% vs Annual Baseline |
USD to CHF Delivery & Settlement Windows
Estimated delivery windows based on standard clearing rails and banking cut-off schedules.
Local Automated Clearing
Transfers settling through local domestic rails (SIC (Swiss Interbank Clearing) / IBAN) typically clear within hours during standard operating windows.
Correspondent Banking
Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.
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.
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.
Required Details to Wire USD to CHF
Make sure you have these exact payment credentials before initiating your transfer.
Beneficiary Full Name
Exact match as registered on recipient bank account.
SIC (Swiss Interbank Clearing) / IBAN
IBAN, Account Number, or local domestic routing code.
SWIFT / BIC Code
8 or 11 character identifier of the recipient's bank branch.
Payment Reference
Invoice number or descriptive reference for AML compliance.
USD vs CHF: Central Bank Policy & Inflation Matrix
Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.
US Dollar (USD)
Federal Reserve (Fed)
5.0%
Benchmark rate2.8%
Consumer pricesSwiss Franc (CHF)
Swiss National Bank (SNB)
1.25%
Benchmark rate1.1%
Consumer pricesMacroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Federal Reserve (Fed), 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.
52-Week Exchange Rate Position
Compare Wire Transfer Costs: USD to CHF
Estimates based on standard retail bank margins vs direct interbank rail settling.
Direct Midpoint Rail
0.0% Rate Markup (Interbank)
CHF866.50
Maximum Yield
Commercial Banks
~3.2% Hidden FX Margin
CHF872.53
-Lost to Hidden Margin
Global Wallets
3.5% Currency Spread
CHF887.41
Closed loop balance
Cash Remittance
Retail Spread + Cash Fee
CHF896.12
Physical cash pickup
USD to CHF Fast Conversion Matrix
Direct interbank rate values compared against typical commercial bank payouts.
🇺🇸 USD to 🇨🇭 CHF
1 USD = 0.8665 CHF| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| $1 USD | CHF0.87 CHF | CHF0.00 | -CHF16.80 |
| $5 USD | CHF4.33 CHF | CHF0.00 | -CHF16.91 |
| $10 USD | CHF8.67 CHF | CHF0.00 | -CHF17.05 |
| $25 USD | CHF21.66 CHF | CHF4.19 | -CHF17.47 |
| $50 USD | CHF43.33 CHF | CHF25.16 | -CHF18.16 |
| $100 USD | CHF86.65 CHF | CHF67.10 | -CHF19.55 |
| $250 USD | CHF216.62 CHF | CHF192.92 | -CHF23.71 |
| $500 USD | CHF433.25 CHF | CHF402.61 | -CHF30.64 |
| $1,000 USD | CHF866.50 CHF | CHF822.00 | -CHF44.50 |
| $5,000 USD | CHF4,332.50 CHF | CHF4,177.08 | -CHF155.42 |
| $10,000 USD | CHF8,665.00 CHF | CHF8,370.94 | -CHF294.06 |
🇨🇭 CHF to 🇺🇸 USD (Reverse)
1 CHF = 1.1541 USD| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| CHF1 CHF | $1.15 USD | $0.00 | -$22.38 |
| CHF5 CHF | $5.77 USD | $0.00 | -$22.53 |
| CHF10 CHF | $11.54 USD | $0.00 | -$22.71 |
| CHF25 CHF | $28.85 USD | $5.59 | -$23.27 |
| CHF50 CHF | $57.70 USD | $33.51 | -$24.19 |
| CHF100 CHF | $115.41 USD | $89.37 | -$26.04 |
| CHF250 CHF | $288.52 USD | $256.94 | -$31.58 |
| CHF500 CHF | $577.03 USD | $536.23 | -$40.81 |
| CHF1,000 CHF | $1,154.07 USD | $1,094.80 | -$59.27 |
| CHF5,000 CHF | $5,770.34 USD | $5,563.35 | -$206.99 |
| CHF10,000 CHF | $11,540.68 USD | $11,149.04 | -$391.64 |
0.8665
1 USD = CHF0.8665
1.1541
1 CHF = $1.1541
0.8318 - 0.9012
Annual volatility band
SIC (Swiss Interbank Clearing) / IBAN
Clearing rail for CHF
Frequently Asked Questions (USD to CHF)
Q: What is the current exchange rate for USD to CHF?
As of 2026, the real mid-market interbank rate is 1 USD = 0.8665 CHF. This is the true benchmark rate with zero hidden bank markup.
Q: How much does a bank charge to send USD to CHF?
Most traditional high-street banks charge a front-end wire fee of around $25 plus a 2.5% to 4% hidden exchange rate markup. On a $1,000 transfer, you typically lose around CHF44.80 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 USD 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.