Switzerland Zurich · CHF

What currency does Switzerland use, and how do people pay?

Switzerland's currency is the Swiss franc, code CHF, divided into 100 centimes or Rappen, and it is also used in Liechtenstein. Switzerland is not in the euro area. Some shops, stations and tourist businesses accept euros, but change is normally given in francs at the business's own rate.

Cards and contactless payments are accepted almost everywhere, even for small amounts, and paying by phone is common. Cash is still legal tender and widely accepted, and some mountain huts, farm shops and market stalls prefer it. Self-service farm stalls run on trust and usually have a cash box or a QR code.

Where do people in Switzerland buy groceries and everyday goods?

Most households in Switzerland shop at large supermarket chains and a growing number of discount supermarkets, topped up with bakeries, butchers, farm shops and weekly markets in town squares. Many people living near the border cross into neighbouring countries for bigger shops.

In most cantons shops close on Sundays and public holidays, and many close earlier on Saturdays. Shops at main railway stations, airports and petrol stations are the usual exceptions. Recycling is part of shopping: PET bottles, glass, aluminium and batteries go back to collection points, and many towns charge for rubbish through official paid bags.

Is VAT included in shelf prices in Switzerland?

Yes. Shelf prices in Switzerland always include VAT. The standard rate has been 8.1% since 2024, food, non-alcoholic drinks, books and medicines carry a reduced rate of 2.6%, and accommodation has its own special rate. Restaurant meals are taxed at the standard rate, while takeaway food usually falls under the reduced rate.

Visitors who live outside Switzerland can reclaim VAT on goods they take out of the country, through participating shops or a refund service, provided they reach a minimum spend per shop and have the export confirmed by customs when leaving. Check the current conditions before you buy.

How have prices in Switzerland changed recently?

Inflation in Switzerland has stayed low by international standards and was close to zero in 2025. A strong franc keeps imported goods and holidays abroad relatively affordable for residents, while high labour costs feed into the price of services and restaurant meals. Electricity tariffs and rents are the main domestic factors to watch. For visitors, moves in the franc against their own currency usually matter more than Swiss inflation, which is why each price here carries its read date.