There are various ways, some of which are so obvious that you should have thought of them.
- Talking to your bank often helps. I run a smallish IT business. I live in Poland (PLN). My customers may be in EUR. I have a separate EUR account (as you could have a separate CHF account even with a German bank). I can change small amounts, using the official daily rate etc. I can change large amounts (10k EUR) through their Forex trading desk for fees that are low. 9k actually is something you could also do with some savings - just save up CHF for a couple of months. And "your bank" means maintaining a bank account in Switzerland. There's nothing wrong with that.
- Use a service like Transferwise, Oanda etc. who have significantly lower fees for money conversions. Transfer fees are very low in the SEPA area but it may be worth having a local Swiss account for that.
