Switzerland's currency is the Swiss franc, and it is what you pay with everywhere in the country, from a supermarket in Interlaken to a cable car ticket in Zermatt. Its international code is CHF, and you will see prices written either as CHF or Fr. on menus, shop tags and booking pages. One franc splits into 100 centimes. The Swiss National Bank holds the sole right to issue banknotes, and Swissmint strikes the coins.
If you are looking at Switzerland currency in India, authorised banks and forex providers sell Swiss francs before departure, and their rates are usually better than what you get at Zurich or Geneva airport. Cards work almost everywhere in Switzerland, so most of your spending goes on plastic. Cash still earns its place for the small stuff: station lockers, paid restrooms, ticket machines in smaller towns, and a few mountain huts.
Everything below covers the live CHF to INR rate, what things cost in francs, the RBI limits on carrying currency out of India, and where the exchange rate works in your favor. If you are comparing Switzerland tour packages, the exchange rate is the part that lets you put a realistic rupee figure against the trip instead of a rough guess. Switzerland Currency: A Quick Glance
- Official currency: Swiss franc
- Currency code: CHF
- Currency symbol: CHF / Fr.
- 1 Swiss franc to INR: 1 CHF ≈ ₹119.35
- Subdivision: 1 Swiss franc = 100 centimes
- Banknotes: CHF 10, 20, 50, 100, 200 and 1,000
- Coins: 5, 10, 20 centimes; ½, 1, 2 and 5 francs
- Issued by: Swiss National Bank (SNB)
- Used in: Switzerland and Liechtenstein
- Are cards accepted: Yes. Credit and debit cards are widely accepted in Switzerland.
- Is cash accepted: Yes. CHF cash is accepted, and carrying some cash is useful for smaller payments and as a backup.
Switzerland kept the franc because it never joined the European Union or the euro region, despite sharing a border with four countries that use the euro. In practice, plenty of hotels, restaurants, larger shops and tourist attractions will still take euro notes. The catch is the change: It comes back in Swiss francs, at a rate the business sets. Paying in CHF keeps things simple and saves you more of your money.
Banknotes come in CHF 10, 20, 50, 100, 200, and 1,000, all from Switzerland's ninth series. Coins run 5, 10, 20, and 50 centimes, then 1, 2, and 5 francs. The coins matter more than travellers expect, since station lockers and paid restrooms often want them.
If you are weighing up the Indian rupee to Swiss franc rate before booking your Switzerland tour packages, work backward from your spending. Budget in francs, check the CHF/INR rate close to the day you exchange, and carry a mix of cash and an international card rather than leaning entirely on either. The CHF to INR rate is set by the foreign exchange market and moves with interest rates, economic conditions and demand for both currencies. What you actually receive in India is usually below the mid-market rate, because forex providers and banks add a spread or commission.
So treat 1 Swiss franc to Indian rupee as a reference figure, not the amount you will pay at the counter. When buying Switzerland currency in India, compare the final CHF you receive after all charges rather than the advertised rate.
The same applies to cards and ATMs in Switzerland. Your card issuer applies its own conversion rate and adds a foreign transaction fee, so check both before you travel.
Swiss Franc Denominations: Notes and Coins
The Swiss franc is available in six banknote denominations: CHF 10, CHF 20, CHF 50, CHF 100, CHF 200 and CHF 1,000. Switzerland currently uses its ninth banknote series, issued by the Swiss National Bank.
Swiss franc coins include 5, 10, 20 and 50 centimes, along with CHF 1, CHF 2 and CHF 5 coins. For Indian travelers, carrying a mix of smaller notes and coins can be useful for everyday purchases and smaller cash payments.
Can Indians Use Indian Rupees in Switzerland?
Indian rupees are not accepted for payments in Switzerland. The local Switzerland currency is the Swiss franc CHF so you will need to convert your INR into CHF either before you leave or after you land. The Indian rupee to Swiss franc rate moves daily so check the latest CHF to INR rate before you exchange.
For Switzerland currency in India authorized banks and forex providers handle the exchange before departure. You can also change money in Switzerland though rates and fees differ by provider. Carrying some CHF cash along with an international debit or credit card is a better option than relying solely on rupees.
Can You Use Euros in Switzerland?
Yes, euros are accepted in many shops, hotels, restaurants and souvenir stores across Switzerland especially in tourist areas. Acceptance is not universal, though, and the Swiss franc (CHF) stays the preferred currency for daily payments.
Pay in euros and your change comes back in Swiss francs, usually at a rate the business sets itself. Paying in CHF or by card is the simpler option.
Should You Carry Cash or Use a Card in Switzerland?
For most Indian travellers using an international debit or credit card for larger payments and carrying some Swiss francs (CHF) in cash is the most practical approach. Cards are accepted almost everywhere in Switzerland while cash remains widely accepted for in person payments.
Currency Exchange In Switzerland: Where Can Indians Exchange INR for Swiss Francs?
- Banks in India: Buy Swiss francs through authorised banks. Compare their quoted rate, service fee, and the final CHF amount before paying.
- Authorised forex dealers: Compare rates from RBI authorised money changers and ask what you will actually receive after all charges.
- Airport forex counters: Handy for last-minute exchange, but check the rate elsewhere before changing a large amount here.
- Swiss banks and exchange offices: Work well for exchanging currency once you are in Switzerland, mainly in bigger cities and at stations and airports.
- ATMs in Switzerland: You can withdraw Swiss francs with most international debit or credit cards. Your Indian bank may charge an international withdrawal fee or foreign-exchange markup.
For Indian rupee to Swiss franc conversion, don't compare providers only on the displayed exchange rate. Switzerland has no cash limit, but amounts of CHF 10,000 or more may be subject to customs checks. For India to Switzerland currency planning, Indian foreign exchange rules also apply so check the latest RBI requirements before you leave.
Best approach: Exchange a reasonable amount of CHF in India, carry an international card for larger payments and withdraw additional Swiss francs in Switzerland only when needed.
How Much Swiss Franc Cash Can Indians Carry to Switzerland?
For an India-to-Switzerland trip, there are two separate rules to consider: the amount you can obtain in cash under Indian foreign-exchange rules and Switzerland's rules for bringing cash across its border.
- Indian foreign-exchange rule: For travellers going to Switzerland, foreign currency notes and coins can generally be issued up to USD 3,000 or the equivalent per visit within the applicable travel entitlement. The broader foreign-exchange limit is separate from the cash-note limit.
- Swiss border rule: Switzerland does not impose a maximum amount of cash that you can bring into the country. However if you are carrying CHF 10,000 or more, Swiss customs officials can ask for details about your identity, the source of the money, its intended use and the beneficial owner.
- For Indian travellers: Do not confuse Switzerland's CHF 10,000 threshold with India's foreign-currency cash limit. They apply to different parts of the journey.
- Before departure: When arranging Switzerland currency in India, buy CHF through an authorised bank or money changer and retain the exchange documentation.
- For most trips: There is usually little reason to carry your entire Switzerland budget as physical cash. A combination of CHF cash and an international card is more practical.
Important: Indian foreign-exchange rules and Swiss customs requirements can change, so check the latest RBI and Swiss customs guidance before departure.