Convert CHF to SEK Swiss franc ↔ Swedish krona Free Online Secure
Type an amount in Swiss franc and read it in Swedish krona at once. The page uses the European Central Bank's reference rate, and tells you which day that rate is from.
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Common amounts — Convert CHF to SEK (Swiss franc ↔ Swedish krona)
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The last thirty days
Where these codes and rates come from
The three letters in EUR, USD or JPY are not an abbreviation someone invented for a website: they are ISO 4217, a standard in which the first two letters are the country's own code and the third is usually the initial of the currency. The figures on this page come from the European Central Bank, which publishes one set of reference rates each working day, around 16:00 Central European time, agreed between the central banks of the Eurosystem. They are a daily snapshot meant for statistics and accounting, not a live trading feed — which is exactly why they are the same number for everyone, rather than whatever one bank happened to quote at one moment.
Where you meet an exchange rate
You meet an exchange rate four or five times a year without thinking about it: booking a trip, paying an invoice issued abroad, buying from a foreign shop, reading a salary offer in another currency, or checking what a card charge really cost. In all of these the reference rate is the honest middle, and the price you actually pay sits a little to one side of it. Knowing the middle is what lets you see how wide that margin is.
Questions people ask
Is this the rate my bank will give me?
No, and no page can promise one. This is the European Central Bank's reference rate: the midpoint published once a day for statistics. A bank, a card scheme or an exchange office adds its own margin on top — usually between half a percent and three percent, sometimes more at an airport counter. Use this figure to judge the offer you are given, not to predict it.
How often does the figure change, and what happens at weekends?
The European Central Bank publishes once each working day, in the afternoon, Central European time. There is no publication on Saturdays, Sundays or TARGET holidays, so on those days the page shows the last working day's rate and says which day it belongs to. The chart alongside is one year of the same daily series.
Is the answer exact?
Where both units are defined in terms of one another by whole numbers, yes — the page says so above the figure, and the only rounding is in how many digits are shown. Where the ratio has no finite decimal, the page shows twelve significant digits and says the relation is approximate rather than pretending otherwise.
Does anything I type leave my device?
No. The arithmetic runs in your browser; nothing is uploaded and there is no server to upload it to. Load the page once and it keeps working with the network switched off.
Swish and TWINT: two rich northern countries, two ways of paying, and one exchange rate between them
Switzerland and Sweden have plenty in common. Both are prosperous, orderly, expensive and proud of their neutrality or their independence. Both have strong currencies that are not the euro. But in one respect they differ sharply: how they pay. Sweden has become one of the most cashless societies on earth, where even churches and street musicians accept payment by phone. Switzerland remains, by comparison, a country where notes and coins are still commonplace and where a thousand-franc banknote exists. A Swiss traveller in Sweden, or a Swede in Switzerland, meets the difference at the first till. This page makes the currency side of the trip simple. It takes the European Central Bank's reference rates, in which the franc and the Swedish krona are each quoted against the euro, combines them into a franc-to-krona rate, shows the result with the date and keeps your amount in your browser. The text below compares the two payment cultures in six scenes, and each is a reason to Convert CHF to SEK and to understand what the figure means.
Using the converter
Francs in, kronor out
Anyone landing at Arlanda should Convert CHF to SEK before the first coffee and keep the figure for the evening's reckoning.
Type an amount in Swiss francs and the page returns the value in Swedish kronor, with the date of the rate beneath the result. At weekends it uses Friday's figure and says so. A table of round amounts and a thirty-day line complete the page. For kronor into francs, use Convert SEK to CHF.
A yardstick for your card
The reference rate is the middle of the market, published once on each working day, with no bank margin. In a cashless country you will pay almost everything by card or phone, so the rate your bank applies matters every day. Use this page as a yardstick: under one per cent is excellent, two or three per cent is usual, and four or more is a signal to change cards. Each time you Convert CHF to SEK here, you obtain the benchmark to compare with your statement.
Scene one: the coffee shop in Stockholm
No cash, no problem
In a Stockholm café, a sign on the counter tells visitors that cash is not accepted. A coffee and a cinnamon bun cost 60 to 90 kronor, paid by tapping a card or phone. The Swedes use a mobile app, Swish, for payments between people and increasingly in shops, but it requires a Swedish bank account. A Swiss visitor relies on a contactless card, ideally one without foreign-transaction fees, and pays in kronor when the terminal asks for the currency.
The comparison with Zurich
For a quick sense of scale, Convert CHF to SEK for the price of a Zurich lunch and see what the same money buys in Stockholm.
The same coffee and bun in a Zurich café costs 9 to 12 francs, and many Swiss cafés still take cash. Convert CHF to SEK for the Swiss price and you see how the two cities compare: Stockholm is somewhat cheaper for coffee, similar for lunch and cheaper for hotels in the off-season. Both are expensive by European standards.
How Sweden got there
Sweden's banks began to phase out cash in the 1990s and 2000s, encouraged by the central bank's concern about robberies and costs. Today, fewer than one in ten payments in shops is in cash. Branches of some banks no longer handle notes and coins at all. The central bank has experimented with an electronic krona. Critics worry about the exclusion of elderly and rural people, and the government has legislated to guarantee access to cash services.
Scene two: the app on the phone
Swish and its Swiss cousin
Even without the local apps, a visitor can budget by tap-to-pay: Convert CHF to SEK for the daily limit on the card.
Swish, launched in 2012 by the major Swedish banks, links a phone number to a bank account and lets users send money in seconds. It is used to split restaurant bills, pay a babysitter and buy a second-hand coat. The Swiss equivalent, TWINT, created in 2014, is similar: it pays in shops, online and between friends, and is used by millions. Neither works for tourists without a local account, but both show how fast the habit has spread.
Digital identity
In Sweden, BankID is a digital identity linked to a bank, used to log into government services, sign contracts and confirm payments. Switzerland has SwissID. For a newcomer, obtaining these takes time, since a personal number or residence permit is needed. Plan to use physical documents for the first weeks, and a card for payments.
Scene three: the pub and the state monopoly
Alcohol in two countries
At the Systembolaget counter, Convert CHF to SEK for the bottle's price and compare it with the supermarket shelf at home.
In Sweden, wine and spirits are sold only at state-run Systembolaget shops, with limited hours and high prices. A bottle of decent wine costs 100 to 200 kronor. In Switzerland, alcohol is sold in supermarkets, and a bottle costs 10 to 30 francs. A beer in a Stockholm bar costs 70 to 100 kronor, a similar amount to one in Zurich at 7 to 9 francs. Swiss visitors can convert the totals to compare: the prices are close. Convert CHF to SEK for a night out and the answer is often surprise.
Customs allowances
Travellers returning to Switzerland may bring alcohol within the limits mentioned in the customs rules: five litres up to eighteen per cent and one litre above. Sweden's own rules for visitors from outside the EU are strict, and the country has high alcohol taxes. Check before you pack.
Scene four: the summer cottage and the forest
The right to roam
Swedish law gives everyone the right to walk, camp and pick berries on uncultivated land, a principle called allemansrätten. Swiss hikers, accustomed to marked paths and mountain huts, find the freedom of the Swedish forests refreshing. A night in a tent by a lake costs nothing, while a cabin rental costs 800 to 2,000 kronor a night. A Swiss family can have a week in a cottage for 6,000 to 12,000 kronor.
What things cost in the countryside
Away from the capital, prices drop a little, so Convert CHF to SEK for a cabin week and for the groceries separately.
Groceries in Sweden are somewhat cheaper than in Switzerland, but prices of restaurants and alcohol are comparable. A main course in a rural restaurant costs 150 to 250 kronor. Fuel is sold by the litre, and prices are similar to Swiss ones. Distances are long, and Convert km to mi turns kilometres into miles for readers in the United States.
Midsummer and the long light
At midsummer, in the north of Sweden, the sun barely sets. Swiss visitors who are used to Alpine evenings find the light unfamiliar. The festival is celebrated with a maypole, dancing and herring. Many shops close, so buy provisions in advance.
Scene five: work, wages and taxes
Swiss in Sweden
A salary offer should be judged after rent, so Convert CHF to SEK for the net pay and subtract the housing costs.
A few thousand Swiss people live and work in Sweden, often for multinational firms. Wages are high, taxes are high, and public services are generous. Parental leave is long, 480 days per child, shared between parents. A Swiss worker in Stockholm converts a salary of 50,000 kronor a month to francs and finds it modest by Zurich standards, but taxes and services differ. Net pay after tax, rent and insurance is the right basis for comparison.
Swedes in Switzerland
Swedish engineers and finance professionals work in Zurich, Geneva and Zug. They earn more than at home and face higher rents and health insurance premiums. They send money to Sweden or keep savings there. For them, the reverse page, Convert SEK to CHF, is the tool.
Neutrality, safe havens and the Nobel: two small countries with long memories
Neutral, but not the same
Switzerland has been neutral since 1815 and has never joined the European Union or, until 2002, the United Nations. Sweden stayed out of both world wars and kept a policy of non-alignment until 2022, when it applied to join NATO and became a member in 2024. The two countries are often compared as models of stable, consensual politics, high trust and effective public services. They share an interest in international law and mediation, and both host major institutions: Geneva has the United Nations European headquarters and the Red Cross, while Stockholm hosts the Nobel ceremonies and a leading peace research institute. For a traveller, that background means efficient, orderly and expensive countries.
The Nobel connection
A visit to the museum is cheap by Stockholm standards, but Convert CHF to SEK for the ticket and a café stop all the same.
The Nobel Prizes, funded by the fortune of the Swedish inventor Alfred Nobel, are awarded each December in Stockholm, with the Peace Prize in Oslo. Swiss scientists, writers and organisations have won many of them, including the Red Cross, founded in Geneva, which has received the Peace Prize three times. Visiting the Nobel Prize Museum in Stockholm costs about 150 kronor. Convert CHF to SEK for the entry and a coffee in the museum café, and compare with the price of a Swiss museum.
Alfred Nobel's money
When Nobel died in 1896, he left most of his fortune, about 31 million kronor at the time, to establish the prizes. Invested prudently, it has funded them for over a century. Today the prize sum is about 11 million kronor per category, and the Nobel Foundation manages assets of several billion. The story is a reminder that money can create a lasting institution.
Two safe havens for investors and the cost of caution
The franc in a crisis
The Swiss franc is the classic safe haven: in times of fear, money flows into it, and its value rises. The Swedish krona is the opposite, a small currency that often weakens when investors are nervous. As a result, the pair can move sharply in a crisis, with the franc rising and the krona falling. In calm times, the pair drifts. A Swiss traveller to Sweden benefits when markets are frightened, while a Swedish visitor to Switzerland pays more.
The Riksbank and the Swiss National Bank
Both central banks target low and stable inflation. The Riksbank is the oldest central bank in the world, founded in 1668, while the Swiss National Bank dates from 1907. Each sets a policy rate, and the gap between the two helps determine the exchange rate. Both have used negative interest rates in the past, a measure that attracted attention worldwide. For ordinary people, the main effects are on mortgage rates, savings and the cost of borrowing.
What to do about it
Nothing dramatic. A traveller should avoid converting a large amount on a day of market stress, because spreads widen. A saver should not chase currency movements. A business should hedge its exposure if it is significant. For most people, a monthly routine and a clear record suffice.
Sweden for the Swiss family: a week in the archipelago
Stockholm's islands
Ferries and cabins carry separate prices, so Convert CHF to SEK for each leg and add them for the archipelago week.
The Stockholm archipelago has about 30,000 islands, reached by ferries from the city. A day trip to Vaxholm or Sandhamn costs 150 to 300 kronor by boat. Cabins, hostels and guesthouses on the islands cost 800 to 2,500 kronor a night. Summer is the best season, with long evenings and swimming from granite rocks. A Swiss family of four, staying a week in a cabin with self-catering, might spend 12,000 to 20,000 kronor all told. Convert CHF to SEK for the sum and compare it with a week in the Engadine.
Eating on a budget
A set lunch is the best value in the city: Convert CHF to SEK for the dagens rätt and compare it with a Swiss sandwich.
Sweden is expensive for eating out, so many visitors cook. A supermarket meal for four costs 150 to 250 kronor. Smörgåsbord buffets, herring and potatoes at midsummer, and cinnamon buns can be had for much less than a restaurant meal. Lunch menus, dagens rätt, offer a main course, salad, bread and coffee for 110 to 150 kronor, a bargain by Swiss standards.
Getting around
Train tickets bought early are cheaper, so Convert CHF to SEK for the fare on the day you book and again before you travel.
Trains between Stockholm and Gothenburg take three hours and cost 300 to 900 kronor, cheaper if booked early. Buses are cheaper still. The Stockholm transit day card costs about 175 kronor. A rented car costs 500 to 900 a day. Roads are good, and drivers must keep headlights on at all times. Distances are in kilometres.
What Swedes and Swiss buy from each other
Furniture, cars and watches
Swedish furniture and design, such as flat-pack home furnishings, are sold in Switzerland at moderately high prices. Volvo cars are common on Swiss roads. In the other direction, Swiss watches, chocolates and pharmaceuticals are popular in Sweden. Firms on both sides price in their local currency or euros and adjust when the exchange rate moves.
Banking and insurance
Swedish and Swiss banks and insurers do business across the border, and many Swedes hold accounts or funds in Switzerland. Cross-border investments depend on tax treaties and regulations. A professional adviser is essential for anything beyond ordinary accounts.
Tourism numbers
Swedish tourists are frequent visitors to the Swiss Alps in winter, and Swiss visitors increasingly head north for midsummer and the northern lights. The flows are balanced, and airlines offer direct flights between Zurich or Geneva and Stockholm, Gothenburg and Malmö. For travellers going further, Convert CHF to GBP covers Britain, Convert CHF to USD the United States and Convert CHF to PLN Poland, on the way east.
Scene six: the exchange rate itself
Franc and krona over the years
Over the past decades, the Swiss franc has gained steadily against the Swedish krona, which is a smaller, more volatile currency. In times of crisis, investors buy francs and sell kronor, and the pair moves sharply. The Riksbank and the Swiss National Bank have each pursued low interest rates, but their decisions diverge from time to time. The pair also follows the franc-euro and krona-euro rates.
What it means for a traveller
Before booking, Convert CHF to SEK on three different days and watch whether the pair has been quiet or restless.
When the franc is strong against the krona, Sweden is cheaper for Swiss visitors. When it weakens, it is dearer. Over a month, the rate can move several per cent. Use the thirty-day chart on this page to see how restless the pair has been, and consider splitting a large conversion. The chart cannot predict, but it informs.
Practical advice for the cashless trip
Cards and phones
Whatever card you carry, Convert CHF to SEK for the first week's spending and check it against the statement.
Bring two cards of different networks, both with no foreign-transaction fee, and a phone with a wallet app. Pay in kronor when the terminal asks. Some small places, such as ferries, kiosks and parking meters, may only accept apps. Learn how they work before you need them.
Cash in an emergency
Even in a cashless country, a few hundred kronor in notes can be useful, for example to tip or to pay in a rural market. But finding a cash machine can be hard, and withdrawals have a fee. Carry a small amount from home or withdraw at the airport.
Time and climate
Sweden is in the same time zone as Switzerland. Winters are cold and dark, summers are light and mild. Forecasts are in Celsius, and Convert °C to °F helps Americans. Dress in layers, and check the daylight hours for your dates.
Related conversions
Other currencies for the north
For the euro, Convert CHF to EUR. For Britain and America, Convert CHF to GBP and Convert CHF to USD. Sweden, Denmark and Norway have separate kroner; check the code SEK.
Mistakes to avoid
Mixing the kroner
Sweden uses the Swedish krona (SEK), Denmark the Danish krone (DKK), Norway the Norwegian krone (NOK). Prices are not interchangeable.
The terminal's offer
If a card machine offers to charge you in francs, say no. Pay in kronor and let your bank convert.
Old rates
A rate noted last month may be a percentage point or more away from today's. The date beside the result protects you.
Tap and go
The page downloads only the table of daily reference rates. The amount you type never leaves your device, and no account is needed. In a cashless country as in a cash-loving one, the habit is the same: Convert CHF to SEK, read the date, compare any offer against the figure and keep a note.