📈 Switzerland to Albania Money Transfer Snapshot Today
- Best CHF to ALL exchange rate today: ALL 102.0902, offered by Wise
- Number of money transfer providers compared: 4
- Exchange rate range: ALL 102.0902 to ALL 99.5500
- Potential savings on CHF 1000: ALL 2,540.20
- Number of deals and promo codes: 0
- Mid-market
ⓘThe mid-market exchange rate (also called the interbank rate) is the real CHF to ALL exchange rate before providers add their margin or fees. exchange rate: 1 CHF = ALL 103.7515 (Updated about an hour ago)
See detailed Switzerland to Albania money transfer comparison below.
Switzerland to Albania money transfer providers that matched the search criteria
📢 New! Cash pickup available
If you are making international business money transfers or payments, RemitFinder can assist by matching you with the best options to suit your unique business needs. Get in touch now to see how we can help protect your business revenue by getting you higher exchange rates and lower transfer fees on international business FX.
💡What these rates mean for sending money to Albania from Switzerland today
Compare top-rated money transfer providers to find the best way to remit money to Albania from Switzerland. Check today's CHF to ALL exchange rates, read detailed provider reviews, and discover exclusive deals and promo codes.
RemitFinder compared 4 providers for Switzerland to Albania money transfers today. Here is what the competition looks like right now:
Today's Most Competitive Providers to Transfer Money to Albania from Switzerland
🥇 Wise with 1 CHF = 102.0902 ALL (best CHF to ALL exchange rate today).
🥈 XE Money Transfer offering 1 CHF = 102.0285 ALL.
🥉 Western Union & Ria Money Transfer are also providing good FX rate today.
The 4 providers compared today offer exchange rates from ALL 99.5500 to ALL 102.0902. On a CHF 1000 transfer from Switzerland to Albania, that spread means up to ALL 2,540.20 in potential savings — simply by choosing the right provider.
Swiss Franc to Albanian Lek exchange rates fluctuate throughout the day, and top-ranked providers can change quickly. Even a small difference in the rate offered can significantly impact how much ALL your recipient receives in Albania.
Compare the providers above to maximize every CHF you send to Albania. The best Swiss Franc to Albanian Lek transfer rate changes daily, so comparing today matters.
Looking for a different option? You can browse all sending countries on our send money from hub, or view all destinations available when sending money from Switzerland.
👇 There is more to a great transfer than today's CHF to ALL exchange rate — 5 years of historical pricing data reveals what really drives the total cost of sending money to Albania from Switzerland.
Whilst Swiss Franc to Albanian Lek exchange rate is crucial, historical data shows that transfer fees, CHF amount sent and payment and delivery methods can also significantly influence your final payout.
Below, we analyze 5 years of Switzerland to Albania remittance data to show you exactly where costs arise, and the best practices that maximize your ALL payout on every transfer.
Cost insights to remit money from Switzerland to Albania (data-backed)
When you send money internationally from Switzerland to Albania, the following 4 key factors determine how much your recipient actually receives:
- CHF to ALL exchange rate
- Transfer fee
- Payment method
- Delivery method
Ideally, optimizing all four factors together gives your recipient in Albania the maximum ALL payout on every transfer.
Another counter-balancing aspect is money transfer speed. If you need to transfer money from Switzerland to Albania urgently, you may have to compromise on some of the above factors whilst optimizing for speed.
To understand what actually drives cost, we analyzed historical remittance pricing1 for CHF to ALL money transfers — comparing transfer costs, FX margins, fees, and payment and delivery methods across providers.
This analysis is based on 372 actual Switzerland to Albania money transfers handled by 7 providers over the last 5 years (for a CHF 160 remittance benchmark).
This analysis of real Swiss Franc to Albanian Lek transfer data identifies the lowest-cost payment and delivery combinations — so you keep more of every Swiss Franc you send.
Before we deep dive, here are the key trends:
📌 Key Cost Insights: Transferring money from Switzerland to Albania
- Average total cost: 8.93% (range 2.07% to 20.93%, spread 18.86 percentage points)
- Potential payout difference: On a CHF 160 transfer, the above variation can save you up to CHF 30.18.
- Average FX markup: 3.72% (range 0.13% to 13.90%, spread 13.77 percentage points)
- Average transfer fee: CHF 8.33 (range CHF 0.00 to CHF 30.00)
- Cheapest payment/delivery method combo: Bank Account Transfer → Bank Deposit (7.39% avg cost); most expensive is Cash → Cash Pickup (10.75%)
- Payment/delivery method choice impact: Cheapest vs most expensive combo saves 3.36% (CHF 5.37 on CHF 160 transfer).
- Market coverage: ~7 providers on average (competition level: moderate)
- Average speed: About 14 hours
🛠️ Key takeaway: Compare providers using both exchange rate and fees, then optimize your payment and delivery methods to reduce total cost.
Below, we break down each of these factors in detail — so you know exactly where to focus when comparing providers for your next money transfer to Albania from Switzerland.
📈 CHF to ALL Exchange Rate: The biggest factor when you send Swiss Franc to Albanian Lek
The exchange rate on your Switzerland to Albania money transfer is the single biggest factor determining your overall CHF cost — and how many Albanian Lek your recipient actually receives.
To analyze exchange rates, we use the exchange rate markup (also called FX margin) — the difference between the mid-market exchange rate
Here is what 5 years of historical data shows for FX markup on Swiss Franc to Albania transfers:
- Average markup: 3.72%
- Median markup: 3.37%
- Lowest markup: 0.13%
- Highest markup: 13.90%
That is a spread of 13.77 percentage points between the lowest and highest observed FX markups.
To put this into perspective — on a CHF 160 transfer, that spread is ALL 22.03 in differences purely from the exchange rate. On a CHF 400 transfer, that gap grows to ALL 55.08.
🛠️ How to use this insight: When comparing providers for Switzerland to Albania remittances, pay close attention to the exchange rate you receive. A small difference in the FX markup can quickly outweigh other factors like fees, and the gap generally grows as transfer amounts increase.
The CHF to ALL exchange rate is the single most critical factor in the cost of your transfer. When comparing providers, always check the rate first — it matters more than you might expect.
💰 Transfer Fees: What to watch when you remit money from Switzerland to Albania
Whilst exchange rate gets most of the attention, the transfer fee can also have a big impact on how much of your Swiss Franc actually reaches your recipient in Albania.
Based on 5 years of pricing data, here is what we see on Swiss Franc to Albania money transfer fees:
- Average fee: CHF 8.33
- Median fee: CHF 7.75
- Lowest fee: CHF 0.00
- Highest fee: CHF 30.00
The average fee of CHF 8.33 represents 5.20% of a CHF 160 transfer, a meaningful cost on its own.
And even when two providers offer identical exchange rates, the difference between the lowest and highest fee means a payout difference of up to CHF 30.00.
🛠️ How to use this insight: For your next money transfer from Switzerland to Albanian Lek, look for providers that offer lower (or even 0) transfer fees.
One important caveat: watch out for hidden fees. Some providers advertise zero or low fees but offset it with a lower CHF to ALL exchange rate. The money lost through an inferior FX rate is just as real as a visible fee — but since it does not show up as a line item, it is called a hidden fee.
This is why comparing total cost (fee + FX markup combined) always gives you a clearer picture instead of looking at rates or fees alone.
Finally, keep in mind that fixed fees matter more on smaller transfers. On a CHF 200 transfer, a CHF 5 fee is 2.5% of your total amount. On a CHF 2,000 transfer, that same fee is just 0.25%. If you send smaller Swiss Franc to Albanian Lek transfers regularly, pay even more attention to fees.
Transfer fees can be just as costly as a poor exchange rate — always look at the total cost of your CHF to ALL transfer, not just rates or fees alone.
💸 Payment & Delivery Methods that reduce your cost to transfer money to Albania from Switzerland
Based on our analysis of historical Switzerland to Albania remittance data, we see consistent variation in overall cost amongst various payment method and delivery methods.
Even when Swiss Franc to Albanian Lek exchange rates are similar, different combinations of payment and delivery options can lead to meaningful differences in what you pay.
💳 Average Cost by Payment Method
Here is the average cost for popular payment methods used to send money to Albania from Switzerland:
- Bank Account Transfer: 7.52%
- Debit Card: 7.78%
- Credit Card: 7.85%
- Cash: 10.34%
That is a spread of 2.81 percentage points.
👉 On a CHF 160 transfer, this means you could save up to CHF 4.50 simply by choosing a lower-cost payment method.
These savings increase further for larger CHF transfer amounts.
📥 Average Cost by Delivery Method
Here is the average cost of popular delivery methods used to remit money from Switzerland to Albania:
- Bank Deposit: 8.27%
- Cash Pickup: 9.20%
This is a difference of 0.92 percentage points.
👉 On a CHF 160 transfer, you could save up to CHF 1.48 by choosing Bank Deposit instead of Cash Pickup.
Different combinations of payment methods in Switzerland and delivery methods in Albania can lead to very different total costs when sending or remitting money.
Here is a summary of the average cost of payment and delivery method combinations for Switzerland to ALL money transfers.
| Payment Method | Delivery Method | Average Cost (%) |
|---|---|---|
| Bank Account Transfer | Bank Deposit | 7.39 |
| Debit Card | Cash Pickup | 7.69 |
| Credit Card | Cash Pickup | 7.72 |
| Debit Card | Bank Deposit | 8.02 |
| Credit Card | Bank Deposit | 8.20 |
| Bank Account Transfer | Cash Pickup | 8.80 |
| Cash | Bank Deposit | 8.90 |
| Cash | Cash Pickup | 10.75 |
Sorted by Average Cost % (cheapest to most expensive).
The difference between these CHF to ALL payment and delivery options is significant.
- Lowest cost: Bank Account Transfer → Bank Deposit (7.39%)
- Highest cost: Cash → Cash Pickup (10.75%)
- Difference: 3.36 percentage points
👉 On a CHF 160 transfer, you could save up to CHF 17.20
👉 On a CHF 400 transfer, savings increase to CHF 43.00
Here is a quick summary of the average historical cost of various payment and delivery methods for CHF to Albania money transfers.
💸 Cheapest Payment & Delivery Methods to send CHF to ALL transfers (data-backed)
- Cheapest payment method: Bank Account Transfer (7.52%) vs Cash (10.34%)
- Cheapest delivery method: Bank Deposit (8.27%) vs Cash Pickup (9.20%)
- Cheapest combination: Bank Account Transfer → Bank Deposit (7.39%) vs Cash → Cash Pickup (10.75%)
🛠️ How to use this insight: As you compare money transfer providers for your next Switzerland to Albania international money transfer, strive to pair the lowest-cost payment method with the lowest-cost delivery method.
This can help you avoid the pitfall of "great exchange rate, expensive methods".
You can save money on your Switzerland to Albania remittances by carefully choosing the cheapest payment and delivery methods.
📊 Does sending more money reduce the cost to remit money from Switzerland to Albania?
To see if transfer cost varies based on the amount sent, we compared the average cost of sending CHF 160 vs CHF 400 from Switzerland to Albania.
We found that sending a higher amount (CHF 400) is typically cheaper — average cost drops from 8.93% to 6.05%, a reduction of 2.88 percentage points.
The cost of your transfer usually continues to drop as transfer amount increases. That said, always check the latest exchange rates and fees for your intended transfer amount.
🛠️ How to use this insight: Since it is generally cheaper to send higher Swiss Franc amounts to Albania, consider consolidating smaller, more frequent transfers into fewer, larger ones. Doing so may reduce the total cost you pay.
🏛 How competitive is the market for sending money to Albania from Switzerland?
Based on data from the last 5 years, Swiss Franc to Albanian Lek money transfers are provided on an average by 7 remittance companies. With this number of providers, we consider the level of market competition to be moderate.
A remittance market with more active providers is typically more competitive. This means you can get a better pricing and more payment and delivery options for your Switzerland to Albania remittances.
This is why comparing providers is especially important when you transfer money from Switzerland to Albania.
⏱️ How fast can you transfer Swiss Franc to Albanian Lek?
If your recipient in Albania needs funds urgently, transfer speed becomes just as important as cost when sending money.
Here is what we see for Switzerland to Albania transfers:
- Average transfer time: About 14 hours.
- Fastest transfer time: About less than 1 hour.
- Slowest transfer time: About 96 hours (~4.0 days).
- Average speed at CHF 160: About 14 hours.
- Average speed at CHF 400: About 14 hours.
In many cases, the fastest providers are not always the cheapest, so balancing speed and cost is important when you transfer CHF to Albania.
🛠️ How to use this insight: If you need to send money from Switzerland to Albania in a hurry, compare providers not just on exchange rate, but also on expected speed. Speed also varies based on the delivery method (bank vs cash vs wallet) you choose for Albania.
Transfer speed for Switzerland to Albania money transfers can vary widely across providers. For time-sensitive transfers, compare speed alongside cost and choose faster payment and delivery methods.
Frequently Asked Questions: Sending money to Albania from Switzerland
These FAQs use data from RemitFinder's historical analysis of Switzerland to Albania money transfers over several years.
What factors affect the total cost of sending money from Switzerland to Albania?
The total cost of your Swiss Franc to Albanian Lek money transfer depends on how you fund the transaction (payment method), how the recipient receives it (delivery method), the exchange rate you get, and any transfer fee charged by the provider.
To avoid overpaying for your transfer, compare money transfer providers.
How much does the exchange rate affect transferring money to Albania from Switzerland?
Historical Swiss Franc to Albanian Lek exchange rate markup ranges from 0.13% to 13.90%, a spread of 13.77 percentage points. Even small differences in the exchange rate markup can impact your final payout significantly.
Exchange Rate vs Transfer Fee: What matters more when you send money to Albania from Switzerland?
Exchange rate markup ranges from 0.13% to 13.90% (a spread of 13.77 percentage points).
Transfer fees range from CHF 0.00 to CHF 30.00, which equals roughly 18.75% on a CHF 160.00 transfer.
At CHF 160.00, the larger driver of overall cost is the transfer fee, whilst at CHF 400.00, it shifts toward exchange rate markup.
Regardless, our recommendation is that it is important to compare both exchange rates and fees when choosing a provider for Switzerland to Albania money transfers.
As the transfer amount increases, the % impact of fees decreases (because the fee gets spread across a larger CHF amount), whilst exchange rate markup remains a percentage-based cost that can scale with transfer size.
For smaller transfers, fees can matter more, whilst for larger transfers, exchange rate often becomes the bigger driver. Either way, comparing both helps you get the most ALL for your CHF.
How much can costs vary between providers when sending money from Switzerland to Albania?
Historical transfer cost ranges from 2.07% to 20.93% for CHF transfers to Albania. That is a spread of 18.86 percentage points, indicating significant differences between various money transfer providers.
A major contributor to this variation is exchange rate markup. FX markup alone ranges from 0.13% to 13.90% (a spread of 13.77 percentage points). Thus, even small differences in FX margin can have a big impact on the final ALL payout.
Why do Money Transfer Providers charge different rates for Swiss Franc to Albanian Lek money transfers?
If you send the same Swiss Franc amount to Albania via different providers, the cost of each transfer will be different because of variations in FX markup, fees, and payment and delivery methods.
Even small differences among all the above factors can change the final ALL payout in Albania in a big way.
How stable are the costs to remit money to Albania from Switzerland?
When we analyzed the historical total cost for CHF to ALL transfers, we observed a range from 2.07% to 20.93% (18.86 percentage points difference), along with a variability (standard deviation) of 3.40%.
A major driver of cost in this market is exchange rate markup. FX markup ranges from 0.13% to 13.90% (13.77 percentage points difference), with a standard deviation of 2.15%. Fees and payment/delivery method choices can contribute to further volatility.
This is exactly why we recommend comparing money transfer providers to get the most of your Swiss Franc to Albanian Lek transfers.
Which Payment Method is the cheapest to send money from Switzerland to Albania?
Bank Account Transfer is the cheapest payment method in Switzerland based on its average cost at 7.52% (compared to Cash at 10.34%, a difference of 2.81 percentage points).
Based on this, we recommend paying for your CHF transfer with Bank Account Transfer, and avoiding Cash if possible.
Is Debit Card cheaper than Credit Card when you transfer money to Albania from Switzerland?
Debit Card is cheaper on average when sending money to Albania from Switzerland since it costs 7.78% (compared to 7.85% for Credit Card payments, a difference of 0.07 percentage points).
As a result, we recommend that you avoid paying for your transfer to Albania with a Credit Card.
Which Delivery Method is cheapest when you remit money to Albania from Switzerland?
Bank Deposit is the cheapest delivery method in Albania as it costs 8.27% (compared to Cash Pickup at 9.20%, a spread of 0.92 percentage points).
If your recipient in Albania can accept Bank Deposit, we recommend choosing it as your preferred delivery option for Swiss Franc to Albanian Lek transfers.
Is Bank Deposit cheaper than Cash Pickup when you send money to Albania from Switzerland?
Bank Deposit is cheaper for Swiss Franc transfers to Albania given its 8.27% average cost (versus 9.20% for Cash Pickup, a difference of 0.92 percentage points).
To save more, consider choosing the cheapest delivery option for Albania.
What is the cheapest way to send money from Switzerland to Albania?
We evaluated 8 payment and delivery method combinations for Switzerland to Albania remittances.
Based on historical data, Bank Account Transfer → Bank Deposit is the cheapest combination with 7.39% cost.
At the other end of the spectrum, Cash → Cash Pickup is the most expensive combination at 10.75% cost. That is a difference of 3.36 percentage points between the cheapest and most expensive combinations.
Money transfer providers price payment and delivery methods for Switzerland to Albania remittances differently. As you compare options, look for the cheapest combination to maximize the value of your CHF to ALL transfers.
Does sending more money reduce the cost to transfer money to Albania from Switzerland?
Larger Swiss Franc to Albanian Lek transfers are cheaper on average.
The cost of a CHF 160 transfer averages 8.93% as compared to 6.05% for a CHF 400 transfer, a difference of 2.88 percentage points.
How long does it take to send CHF to ALL money transfers?
Based on our analysis, the average transfer time for Swiss Franc to Albanian Lek transfers is 14 hours, with the fastest transfers completing in less than one hour and the slowest in 96 hours (~4.0 days).
Can you instantly transfer money from Switzerland to Albania?
Yes, historical data shows that some transfers to Albania from Switzerland can complete in less than one hour.
Note that the actual speed of your CHF to ALL transfer will depend on the chosen provider, payment method, delivery method, and eligibility checks.
How competitive is the market for sending money from Switzerland to Albania?
Based on historical data, the competition level in Switzerland to Albania is considered moderate with 7 active providers.
Can you overpay if you do not compare providers before transferring money to Albania from Switzerland?
Historically, total CHF to ALL transfer cost has varied by 18.86 percentage points. On a CHF 160 transfer, that can translate to CHF 30.18 in savings.
Swiss Franc to Albanian Lek exchange rate markup also varies across providers. The average markup spread has been about 13.77 percentage points. On a CHF 160 transfer, that could be CHF 22.03 saved from FX alone.
Fees can also make a big difference in this market, with a difference of about CHF 30.00 across providers.
That is why comparing providers can materially change how much of the CHF you send your recipient receives in Albania.
Latest Exchange Rates for Sending Money to Albania from Switzerland
Here are some latest CHF to ALL (Swiss Franc to Albanian Lek) exchange rates for popular conversion amounts*.
| 1 CHF | 103.75 ALL |
| 5 CHF | 518.76 ALL |
| 10 CHF | 1,037.51 ALL |
| 25 CHF | 2,593.79 ALL |
| 50 CHF | 5,187.58 ALL |
| 100 CHF | 10,375.15 ALL |
| 150 CHF | 15,562.72 ALL |
| 200 CHF | 20,750.30 ALL |
| 250 CHF | 25,937.88 ALL |
| 300 CHF | 31,125.45 ALL |
| 400 CHF | 41,500.60 ALL |
| 500 CHF | 51,875.75 ALL |
| 600 CHF | 62,250.90 ALL |
| 700 CHF | 72,626.05 ALL |
| 800 CHF | 83,001.20 ALL |
| 1000 CHF | 103,751.50 ALL |
| 1500 CHF | 155,627.25 ALL |
| 2000 CHF | 207,503.00 ALL |
| 2500 CHF | 259,378.75 ALL |
| 3000 CHF | 311,254.50 ALL |
| 4000 CHF | 415,006.00 ALL |
| 5000 CHF | 518,757.50 ALL |
| 10000 CHF | 1,037,515.00 ALL |
| 15000 CHF | 1,556,272.50 ALL |
| 20000 CHF | 2,075,030.00 ALL |
| 30000 CHF | 3,112,545.00 ALL |
| 40000 CHF | 4,150,060.00 ALL |
| 50000 CHF | 5,187,575.00 ALL |
| 100000 CHF | 10,375,150.00 ALL |
*Based on the Mid-market Exchange Rate
1 Based on 372 pricing observations across 7 firms over the last 5 years for a CHF 160 money transfer from Switzerland to Albania. Data Source: The World Bank, Remittance Prices Worldwide, available at http://remittanceprices.worldbank.org.
How we analyze remittance data?
Insights are derived from the World Bank's Remittance Prices Worldwide dataset, which collects standardized provider pricing information at defined transfer amounts.
We aggregate this data across multiple providers and multi-year periods to calculate averages, medians, and variability measures in order to identify consistent pricing patterns for the Switzerland to Albania remittance corridor.
RemitFinder does not modify the underlying World Bank data. The analysis presented here is independently calculated from published datasets and is intended for informational and comparison purposes only.