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When I use my credit card to pay at stores in Germany and elsewhere, some cashiers ask me if I wan to pay in Swiss francs or in the local currency. Which is the cheaper option?
Which makes more sense?
Hi there,
As a rule, having merchants outside of Switzerland charge your credit card in the local currency is usually cheaper. The exchange rates used by merchants to convert charges to Swiss francs are often very unfavorable.
Best regards from Moneyguru
More on this topic:
Swiss Credit Cards: Foreign Transaction Fees
Credit Card Use Abroad: Which Currency to Choose?
Making Payments and Cash Withdrawals Outside of Switzerland
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