Withdrawing
Swiss Franc (CHF).

How CHF withdrawing actually works

ATM withdrawals from a CHF balance at an EU neobank wallet incur three potential fees: the network fee (the ATM operator), the FX conversion (if the wallet is EUR-base), and any neobank-tier-specific withdrawal cap. Revolut Standard allows €200/month free ATM withdrawals; above that, 2% fee. Bunq Free has similar caps. Wise issues a multi-currency debit card that withdraws in CHF directly from the CHF balance — no FX conversion, just the network fee. For larger CHF cash needs, transferring to a local CHF bank account in Switzerland and withdrawing there is typically cheaper than direct ATM access.

Watchouts and hidden costs

ATM operators in Switzerland may impose an additional surcharge separate from your neobank's fee — read the on-screen disclosure before confirming. For Revolut Standard, weekend ATM withdrawals trigger the 1% FX markup on the conversion leg. For cross-border ATM access, prefer Wise's multi-currency debit card (no FX layer if you hold the CHF balance).

How much can I withdraw CHF from an EU neobank ATM?

Daily limits depend on the neobank tier (typically €600–€2,000/day) and the ATM operator's limit (typically CHF200–CHF1,000 per transaction). Revolut Standard allows €200/month free ATM withdrawals across all currencies; above that, a 2% fee applies. Bunq and Wise have similar tier-specific limits.

Is there an FX fee on ATM withdrawals of CHF?

If the underlying balance is EUR and the ATM dispenses CHF, an FX conversion happens at the neobank's rate — typically mid-market on Wise, or with a 0.5–1% spread on Revolut/Bunq. If you hold CHF balance in a multi-currency wallet and withdraw CHF from the CHF balance, there's no FX layer.

Can I withdraw CHF from any ATM in Switzerland?

Most CHF ATMs in Switzerland accept EU-issued debit cards on the Visa or Mastercard network. ATM operator surcharges vary — typically CHF2–CHF5 per transaction. Always check the on-screen fee disclosure before confirming. Wise and Revolut cards work in nearly all Switzerland ATMs.