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Old 08.09.2018, 18:58
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Best way to get CHF using pre-loaded euro card

Hi all,

I have pre-loaded euro forex card and I would like to know which way is the best to get CHF from it in Zurich. Like using ATM to directly withdraw CHF, which would incur cross-currency charges? Or withdrawing Euro and then converting it somewhere(BTW what is the best place to convert euro cash to CHF cash)?
Any other possible way?
Thanks for the help in advance
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Old 08.09.2018, 19:03
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Re: Best way to get CHF using pre-loaded euro card

Get a Revolut card, send the money to that card, convert, pay with card (or get CHF from an ATM)
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Old 08.09.2018, 19:14
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Re: Best way to get CHF using pre-loaded euro card

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Get a Revolut card, send the money to that card, convert, pay with card (or get CHF from an ATM)
Not possible to send money to another card.
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Old 08.09.2018, 19:15
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Re: Best way to get CHF using pre-loaded euro card

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Not possible to send money to another card.
Sigh

Then send the money back to your bank account and to another card
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Old 08.09.2018, 19:31
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Re: Best way to get CHF using pre-loaded euro card

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Sigh

Then send the money back to your bank account and to another card
I don't want to go that way because it's much harder and lots of paperwork.
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Old 08.09.2018, 20:24
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Re: Best way to get CHF using pre-loaded euro card

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Hi all,

I have pre-loaded euro forex card and I would like to know which way is the best to get CHF from it in Zurich. Like using ATM to directly withdraw CHF, which would incur cross-currency charges? Or withdrawing Euro and then converting it somewhere(BTW what is the best place to convert euro cash to CHF cash)?
Any other possible way?
Thanks for the help in advance
Iím not so certain one can withdraw Euros from a bank in Switzerland without going through the franc. ie Ä1000 converted to CHF 1160.05 converted to Ä995 (less bank charges at each step). Iíve seen plenty of pissed off brits at Geneva airport in need of euros to pay for their transport to French ski resorts. It seems they had to go through the franc, at airport rates.
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Old 08.09.2018, 20:48
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Re: Best way to get CHF using pre-loaded euro card

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Iím not so certain one can withdraw Euros from a bank in Switzerland without going through the franc. ie Ä1000 converted to CHF 1160.05 converted to Ä995 (less bank charges at each step). Iíve seen plenty of pissed off brits at Geneva airport in need of euros to pay for their transport to French ski resorts. It seems they had to go through the franc, at airport rates.
I tried it with my EUR card, still had to go through CHF
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Old 08.09.2018, 20:49
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Re: Best way to get CHF using pre-loaded euro card

Depending on your card and it's particular fees/conversion rates, but many ATMs in Switzerland will give you the option to withdraw from the cards 'default' currency. They will display the conversion rate, however, not every single ATM will offer this.

i.e I have a preloaded card which does not allow CHF on it, but I load it with AUD, and when withdrawing money I am offered a conversion rate by the ATM, or I can not accept it and go with my card's exchange rate. Most of the time the ones in Switzerland offer me a better exchange rate than the card does.
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Old 08.09.2018, 23:19
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Re: Best way to get CHF using pre-loaded euro card

I second roegner on getting a Revolut card. It will be very helpful in your future travels as well.

However, if you don't to go through the hassle, it's probably best to just withdraw CHF from your Euro card. Sure, you'll incur like 1-5% loss, but unless you're going to spend north of 1000,- CHF (so more than 3 cups of coffees), it shouldn't cost you too much.
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Old 09.09.2018, 05:31
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Re: Best way to get CHF using pre-loaded euro card

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I have a preloaded card which does not allow CHF on it, but I load it with AUD, and when withdrawing money I am offered a conversion rate by the ATM, or I can not accept it and go with my card's exchange rate. Most of the time the ones in Switzerland offer me a better exchange rate than the card does.
So If I go to ATM to withdraw CHF from EUR card then certain ATMs would provide me their own conversion rate which could be better than cards rates? Also any idea about how to find these type of ATMs?
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Old 09.09.2018, 10:49
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Re: Best way to get CHF using pre-loaded euro card

Trial and error? Perhaps the ATMs that dispense both Euros and francs (fairly rare)

I know when using credit cards in a different country they often ask you if you want to pay the local currency amount (meaning your credit card company does the conversion) or to pay in your currency (meaning the retailer/retailer's bank) does the conversion.

I believe just about everyone on the planet says to let your cc company do the conversion, the pay in your currency conversion rates are crap.

I suppose an ATM could handle this, but I'm not certain they would. You put your card in - you get asked how many francs you want - not how many euros. The ATMs at Geneva airport will only dispense Euros if you use a Swiss franc card.
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Old 09.09.2018, 11:01
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Re: Best way to get CHF using pre-loaded euro card

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So If I go to ATM to withdraw CHF from EUR card then certain ATMs would provide me their own conversion rate which could be better than cards rates? Also any idea about how to find these type of ATMs?

A majority have done it for me, but I'd maybe go more for the ones that are out the front or in a bank. All I can truly recommend is trial and error but the ATMs will offer you the conversion after you select how much and before it's too late to cancel the transaction. As some people have said, you may get better conversion rates from your card. I get better conversions to the CHF on ATMs but not the GBP.

Also, a lot of credit card machines in stores offer this too, but I have no idea how that works. Some times it is offered, some times it isn't - even on the same machine/shop. I think this may be related to how much the purchase is.
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