Send Money from Switzerland to Türkiye

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Turkish liras rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Western Union can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are bank deposit and cash pickup. The most widely used options in Türkiye are bank deposit settled over the FAST instant rail, plus cash pickup. Once funds reach a Turkish bank they settle almost immediately over FAST, the central bank's 24/7 instant payment system. Not every provider supports every method, so check the table above before you commit.

No. Western Union and MoneyGram offer cash pickup in Türkiye, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit settled over the FAST instant rail, plus cash pickup generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For CHF to TRY, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Switzerland under FINMA, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly CHF10,000, a specialist foreign-exchange broker will often beat an app on rate.

Remitly does not operate from Switzerland. Its Swiss market root and every Swiss corridor address tested return a 404 in both English and German. If you already use that service, you will need an alternative from the comparison table above for this corridor.

No franc figure is published for Wise on this corridor. Two independent reads of the same page on the same day returned every row a cent apart, and one row far further apart than that. A price that moves between two reads minutes apart is a live quote, not a published rate, and quoting it to the cent here would only tell you what it was at one instant. Use the provider's own calculator at the amount you intend to send. Western Union lists euro and US dollar payout alongside Turkish lira on this route. Taking payout in a hard currency avoids the lira conversion but does not avoid a conversion — the francs are still being converted, just once rather than twice. Ask the recipient which currency is actually useful to them before choosing. The lira has been among the more volatile currencies of the past decade. On this corridor more than most, the rate on the day dominates the fee, and a rate guaranteed for a fixed window is worth more than a small difference in the headline charge. Remitly, which serves Türkiye from several of this site's other origins, does not serve Switzerland outbound at all — see below.