SWISS FRANC: A SAFE HARBOUR FOR YOUR EARNINGS IN UNSTABLE TIMES

2. WHY CHF IS A “HARD” CURRENCY FOR CROSS‑BORDER WORKERS

Macro stability: Swiss GDP expands at a steady ~1.3 % pace; public debt sits below 40 % of GDP.

SNB flexibility: The central bank’s readiness to use negative rates reins in excessive franc strength and protects exporters—ultimately safeguarding jobs.

Low inflation: Prices rise more slowly than in the eurozone or the US, so the franc preserves the real value of your salary and savings.

3. EURO EARNINGS, FRANC SAVINGS — THE “SMART EARNER” MODEL

Pay Swiss expenses (rent, health insurance, CHF mortgage) directly in francs.

Save in CHF to build a crisis buffer that keeps its spending power.

Benefit from FX moves whenever global turmoil naturally lifts the franc.

4. EXCHANGE SMARTER THAN A BANK

Method

Typical EUR/CHF Spread*

Fixed Fees

Processing Time

High‑street bank

around 1.5 %

5–20 CHF

1–2 days

Walk‑in bureau

around 1.0 %

0 CHF

immediate

Online platform

0.2–0.4 %

0 CHF

same day

*Sample data, 17 April 2025.
Lower spreads mean more francs: on a monthly €5 000 salary the difference can reach 50–60 CHF.

5. STEP‑BY‑STEP: CONVERT YOUR PAY INTO FRANCS HASSLE‑FREE

Register online – a few minutes with your ID or passport.

Send euros via a low‑cost SEPA transfer.

Lock the rate – you see and approve the exact FX quote before funds move.

Receive CHF – credited to your Swiss franc account the same or next business day.

6. TOP QUESTIONS FROM CROSS‑BORDER PROFESSIONALS

Can I automate monthly exchanges? – Yes: set a standing SEPA order plus fixed‑amount instructions.

Is it secure? – The platform is supervised by FINMA via SRO PolyReg and uses segregated client accounts.

Does it pay off for small sums, say €500? – Absolutely; a 0.3 % spread still beats bank fees.

7. CHOOSE A CURRENCY THAT PROTECTS YOUR FUTURE

When inflation erodes savings in euros and dollars, the Swiss franc remains a rock‑solid financial base. Whether you are building a pension pot, studying in Switzerland or repaying a CHF mortgage, fast and low‑cost online FX keeps more of your hard‑earned money working for you.

SUMMARY
Don’t let volatile exchange rates and hefty bank spreads chip away at your foreign salary—convert it into Swiss francs faster, cheaper and securely with a modern online exchange platform.