The euro against the Swiss franc since 2002.

According to the European Central Bank’s reference rates, one euro was worth 1.4833 Swiss francs on 2 January 2002 Source [1]. It was worth 1.6803 francs on 12 October 2007, and 0.9431 francs on 14 September 2026. Between the last two dates, the franc rose by 78.2% against the euro Source [1]. An instalment of 1,000 francs went from €595.13 to €1,060.33 Source [1].

Method and limits.

The rates quoted are the euro reference rates against the Swiss franc published by the European Central Bank (series EXR.D.CHF.EUR.SP00.A) Source [1]. They come from the series used by Hello Justice’s simulator, from 2 January 2002 to 14 September 2026, that is 6,324 quotations Source [1].

A rate is the number of Swiss francs for one euro. The lower it goes, the dearer the franc, and the more euros a sum in francs costs. Annual averages are the simple averages of the quotations published during the year.

These rates are a public reference. A bank may have converted an instalment at another rate, and only a bank statement shows it.

The rates on the dates that matter.

Each amount in the last column divides 1,000 francs by the rate of the day Source [1]. Over the whole series, the franc was never as weak against the euro as on 12 October 2007.

The two decisions of the Swiss National Bank.

On 6 September 2011, the Swiss National Bank set a minimum rate of 1.20 francs per euro Source [2]. The day before, one euro was worth 1.1111 francs. On 6 September, it was worth 1.2036 Source [1].

On 15 January 2015, it abandoned that minimum rate Source [3]. The euro went from 1.2010 francs on 14 January to 1.0280 francs on 15 January Source [1]. In a single day, the franc gained 16.8% against the euro, and on 21 January it was worth more than one euro for the first time in the series Source [1].

The averages for each year.

The “Low” and “High” columns give the lowest and highest rate of the year, in francs per euro Source [1]. The 2026 average only covers the quotations published up to 14 September.

What the rise of the franc does to a loan.

For a borrower who repays in euros, a fixed instalment in francs costs more and more. An instalment of 1,000 francs cost €595.13 on 12 October 2007, and €1,060.33 on 14 September 2026, that is €465.20 more Source [1].

The outstanding capital follows the same path. A capital of 100,000 francs was worth €59,513.18 at the rate of 12 October 2007, and €106,033.29 at the rate of 14 September 2026 Source [1]. This is the exchange‑rate risk that the loan’s clause places on the borrower.

A cross‑border worker paid in Swiss francs does not see their salary fall when the franc rises. But the property financed is located in France and is valued in euros. Our article on cross‑border workers covers their situation.

What the rates do not say about a claim.

A table of rates does not say what a borrower paid. The date of each instalment, the rate actually applied, the profile of the loan and its amendments matter as much as the trend. A claim is calculated instalment by instalment, on its documents.

Hello Justice’s simulator recalculates each instalment at the official European Central Bank rates and at the interest rates set by the contract. It then checks the result against the lines of the bank’s amortisation schedule. Our guide to estimating the gain from annulment sets out the method, and our guide to the borrower’s remedies the whole process.

Frequently asked questions.

Where can I find the rate applied to my instalments?

On your bank statements, which show the euros debited at each instalment. The European Central Bank reference rate makes it possible to check the order of magnitude Source [1].

Why the European Central Bank rate?

It is a public series, one value per quotation day, that anyone can check Source [1]. A report that quotes this rate can therefore be checked by the lawyer, the court and the bank.

Is the franc dearer than after the minimum rate was abandoned?

Yes, on average. The average rate was 1.0679 francs per euro in 2015, and 0.9224 francs in 2026, up to 14 September Source [1].

Can my loan be checked?

The programme’s eligibility test starts with a few questions about your loan. ACTIVE AVOCATS, a firm of the COGEP AVOCATS group, then reads your loan offer and checks its dates.