{"id":417031,"date":"2022-05-31T12:32:30","date_gmt":"2022-05-31T12:32:30","guid":{"rendered":"https:\/\/www.b-sharpe.com\/blog\/quand-changer-devises-chf-eur\/"},"modified":"2022-05-31T12:32:32","modified_gmt":"2022-05-31T12:32:32","slug":"the-right-time-to-exchange-currency-chf-eur","status":"publish","type":"post","link":"https:\/\/www.b-sharpe.com\/en\/blog\/the-right-time-to-exchange-currency-chf-eur\/","title":{"rendered":"Exchanging Swiss francs into euros \u2013 choosing the right moment"},"content":{"rendered":"\n<p>Which criteria should you rely on to make the right choice? What limitations need to be taken into account? What might the consequences be of your decision? Here are some answers to help guide you in your deliberation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"horaires-d-ouverture\">Opening hours<\/h2>\n\n\n\n<p>Depending on whether you are using a physical premises \u2013 an agency or exchange office \u2013 or an online platform \u2013 your bank\u2019s personal space or an online exchange service \u2013 the hours in which you can access the exchange market will vary.<\/p>\n\n\n\n<p>In practical terms the opening hours of exchange offices may differ depending on their geographical location; so it is best to find this out in advance rather than risk a wasted journey!<\/p>\n\n\n\n<p>Using an online exchange remains the most reliable solution. It allows you to carry out your currency exchanges at any time of day or night wherever you are in the world with no time constraints.<\/p>\n\n\n\n<div class=\"wp-block-group bs-block-pattern-promote-subscribe has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#D1C7E2\">\n<h3 class=\"has-text-align-center wp-block-heading\">Exchange your money quickly and securely<\/h3>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-499968f5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.b-sharpe.com\/en\/?language=en\">Learn more<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/www.b-sharpe.com\/wp-content\/themes\/b-sharpe\/img\/patterns\/img-promote-subsribe.png\" alt=\"\" width=\"372\" height=\"146\"\/><\/figure><\/div>\n<\/div>\n\n\n\n<h2 id=\"transfer-processing-times\"  class=\"wp-block-heading\">Transfer processing times<\/h2>\n\n\n\n<p>Opening hours aren\u2019t the only factor to take into account \u2013 the time it takes for a transaction to be processed also needs to be considered.<\/p>\n\n\n\n<p>Once more, opt for an online exchange service to reduce transaction times to a maximum of 48 hours. It can take longer at physical establishments and agencies.<\/p>\n\n\n\n<p>In any case it is best to find this out beforehand, particularly if you are tied to a specific date. Avoid acting in a rush at all costs!&nbsp;<\/p>\n\n\n\n<p>Of course an exchange office will give you cash directly, but electronic transactions are often preferred nowadays for practical as much as security reasons.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"timing\">Timing<\/h2>\n\n\n\n<p>On Thursday 4 March the EUR\/CHF exchange rate was at its lowest point in 2021 for converting Swiss francs into euros. One Swiss franc was worth 0.89 euros versus 0.96 euros on 4 December of the same year.&nbsp;<\/p>\n\n\n\n<p>Looking at the history of the EUR\/CHF exchange rate with the benefit of hindsight is one thing, but on a day-to-day basis how can you know the right time to exchange your currency without a crystal ball?<\/p>\n\n\n\n<p>Unfortunately for individuals and businesses there is no miracle answer to predict the future of the exchange market. So the best timing will be that which matches your needs!<br>If you are a business and you are able to anticipate your future needs. It is worth knowing that you can lock in future exchange rates thanks to long-term quotes. Of course, your business will not benefit from any favorable developments in the exchange rate, but it will be shielded from adverse changes (<a href=\"https:\/\/www.b-sharpe.com\/blog\/risque-de-change-tous-concernes\/\" target=\"_blank\" rel=\"noreferrer noopener\">exchange risk<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"frequence\">Frequency<\/h2>\n\n\n\n<p>Given the charges linked to exchange transactions, it is best to reduce the frequency of your exchange transactions to a minimum.<\/p>\n\n\n\n<p>In fact, whether you use a bank, an exchange office, or an online service, you will have to pay charges and commission. These often decrease in relation to the volume transferred.<\/p>\n\n\n\n<p>Consequently, the more you can pool the amounts you want to exchange, the more you will be able to make significant savings!<\/p>\n\n\n\n<p><strong>The best time to exchange your Swiss francs for euros depends as much on fluctuations in the EUR\/CHF market, as on your own issues. So as well as optimizing your timing, you should also consider how to <\/strong><a href=\"https:\/\/www.b-sharpe.com\/en\/pricing\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>reduce charges and commission on your exchange transactions.<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether you want to exchange currency through your personal or business account, timing your transactions well is essential. But several questions emerge when it comes to knowing when to exchange currency.<\/p>\n","protected":false},"author":13,"featured_media":415571,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[143],"tags":[],"class_list":["post-417031","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>When is the right time to change your Swiss francs (CHF) into euros (EUR)?<\/title>\n<meta name=\"description\" content=\"Discover when to exchange your Swiss francs into euros and the criteria to consider to optimize your exchange charges and exchange risk management.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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