CHF bank transfers are an optional, limited beta feature, available only when enabled and offered in your Cash account after the required integration checks. This guide covers CHF bank transfer deposits and Local transfer payouts. Both directions are restricted to bank accounts in your own name. Do not use this method to pay someone else.
CHF bank transfer deposits receive ZCHF, not USDC. For a payout, this route uses ZCHF on Optimism to pay CHF to your own bank account. Do not assume another source asset is interchangeable; use only the supported flow shown in Cash.
The button and field names below are the English web labels; your selected language may show translated labels.
How to deposit
Open https://www.ether.fi/app/cash/bank and choose Select currency → Swiss Franc (CHF). Choose CHF bank transfer if the method picker appears.
Complete only the onboarding, terms and verification actions shown for your account. Wait until usable Bank details are displayed; a pending or restricted screen is not an instruction to send money.
Review the asset you will receive, the fee and Processing time. Copy the bank details exactly as displayed, including the payee name, account identifier and any transfer instructions or reference actually shown. Do not reuse details for another currency or method.
In your own bank, make a CHF transfer from an account in your own name using those details. Follow any amount or expiry instructions shown. Check the transfer status in Cash after sending.
For deposits, use the bank details actually issued to your account, including the displayed IBAN, payee name and any additional instructions. Do not invent a bank name, IBAN or payment reference.
How to send to a bank account
Open https://www.ether.fi/app/cash/send → Send → New Recipient (Add Recipient). Under Currency → Fiat currencies, select CHF; use Search currencies if needed.
Under Method, choose Local transfer if prompted. A single offered method may skip this step. In Details, enter the fields listed below, then select Continue.
Check Review and select Save Recipient. Choose the saved recipient. Complete Start Verification if prompted; availability or compliance checks can prevent you from continuing.
Choose an available asset under Pay with. Check which currency or asset the amount field uses before entering an amount. Review the recipient amount, source-asset total, Exchange rate, Fee and arrival estimate; observe the limits shown.
Select Review. In Confirm Payment, check Recipient Details and Transfer Details. Supply a Purpose Code only if requested, and a memo only if supported. Confirm with Sign & Send.
Select View in History to check the latest status. Submitted or initiated does not mean the bank has received the funds.
Recipient fields
Nickname; Full Name (the account holder); Account Type (Individual or Business, matching the actual account); IBAN. You must check This is my own account. It is not permission to send to a different person: only your own-name bank account is supported.
Fees, exchange rates and timing
Deposit fees are shown in the offered flow; payout fees come from the payout estimate. Review the fees before confirming. The payout recipient amount is initially estimated and may change before an order is created. Follow any transfer expiry shown. Deposit processing is estimated as same day; payout processing is estimated as 1–2 days. Use the time shown for your transfer; neither estimate guarantees bank receipt.
Illustrative walkthrough
For an illustrative payout, select your own CHF recipient and ZCHF. Check the amount-field unit and, if it is ZCHF, enter 100 ZCHF within your available balance and the displayed limits. Read the quoted CHF recipient amount and the ZCHF total including any displayed fee. This is not a promise of 100 CHF or a live exchange rate. For a deposit, check the displayed ZCHF amount rather than expecting USDC.
If a transfer is delayed or needs information
Open Transaction History and select the transfer. If it shows Action Required, select Provide details, answer the specific questions, upload the requested documents and submit your response there. If a response deadline is shown, submit before it expires. This request does not automatically mean rejection; submission does not guarantee approval or immediate completion. Check History for updates.
If there is no action to complete and the displayed estimate has passed, contact ether.fi Support with the transfer reference, amount, date and proof of payment if available. Do not contact the banking partner directly. For a failed or returned transfer, ask Support to check the status and available next steps before sending it again.
Common questions
What if the option is missing? Use only methods and bank details available in your account. A currency listed in a guide does not enable a rail or complete verification. Contact ether.fi Support if you need help checking availability.
Can I cancel or get a refund immediately? Do not assume a submitted transfer can be cancelled or that a return has completed. Check its status and ask Support about the available next steps; no refund deadline is promised here.