How to send money to Sweden from Germany with the best EUR-SEK rate

Xe is the best and cheapest service overall. On €7,000 you will get 77,400.4 SEK after fees and the exchange rate.

We’ve compared 12 money transfer companies in more detail below.

Best companies for EUR/SEK transfers

13 of 13 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/SEK transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €32.90 1 EUR = 11.0763 SEK 0.00% vs mid-market Recipient gets kr 77,169.69 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Sweden with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€32.901 EUR = 11.0763 SEK
kr 77,169.69You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 11.0572 SEK +0.18% vs mid-market Recipient gets kr 77,400.40 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Sweden with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 11.0572 SEK
kr 77,400.40You pay€7,000.00

Run a live search

Showing top Germany to Sweden deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.

Xe

Pay via Debit card
Fee €0.00 1 EUR = 11.0572 SEK +0.18% vs mid-market Recipient gets kr 77,400.40 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Sweden with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 11.0572 SEK
kr 77,400.40You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 11.0572 SEK +0.18% vs mid-market Recipient gets kr 77,400.40 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Sweden with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 11.0572 SEK
kr 77,400.40You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 11.0572 SEK +0.18% vs mid-market Recipient gets kr 77,400.40 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Sweden with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 11.0572 SEK
kr 77,400.40You pay€7,000.00
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee €0.00 1 EUR = 11.0489 SEK +0.25% vs mid-market Recipient gets kr 77,342.38 Minutes - 3 days
Personal account managerReceive to bank account

Ways to receive money in Sweden with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 EUR = 11.0489 SEK
kr 77,342.38You pay€7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 11.0467 SEK +0.27% vs mid-market Recipient gets kr 77,326.87 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Sweden with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 11.0467 SEK
kr 77,326.87You pay€7,000.00

TorFx

Pay via Bank transfer
Fee €0.00 1 EUR = 11.0434 SEK +0.30% vs mid-market Recipient gets kr 77,303.61 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in Sweden with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 11.0434 SEK
kr 77,303.61You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €9.99 1 EUR = 11.0331 SEK +0.39% vs mid-market Recipient gets kr 77,231.70 Minutes - 24 hours

Ways to receive money in Sweden with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
€9.991 EUR = 11.0331 SEK
kr 77,231.70You pay€7,009.99
Cash pickupMinutes - 24 hours
€9.991 EUR = 10.6092 SEK
kr 74,264.40You pay€7,009.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €9.99 1 EUR = 11.0331 SEK +0.39% vs mid-market Recipient gets kr 77,231.70 Minutes - 24 hours

Ways to receive money in Sweden with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
€9.991 EUR = 11.0331 SEK
kr 77,231.70You pay€7,009.99
Cash pickupMinutes - 24 hours
€9.991 EUR = 10.6092 SEK
kr 74,264.40You pay€7,009.99

Wise

Pay via Bank transfer
Fee €32.90 1 EUR = 11.0763 SEK 0.00% vs mid-market Recipient gets kr 77,169.69 Within minutes
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Sweden with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€32.901 EUR = 11.0763 SEK
kr 77,169.69You pay€7,000.00

OFX

Pay via Bank transfer
Fee €0.00 1 EUR = 11.0212 SEK +0.50% vs mid-market Recipient gets kr 77,148.54 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in Sweden with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 11.0212 SEK
kr 77,148.54You pay€7,000.00

Currencies Direct

Pay via Bank transfer
Fee €0.00 1 EUR = 11.0200 SEK +0.51% vs mid-market Recipient gets kr 77,140.00 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

Ways to receive money in Sweden with Currencies Direct when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 11.0200 SEK
kr 77,140.00You pay€7,000.00

Wise

Pay via iDEAL
Fee €43.03 1 EUR = 11.0763 SEK 0.00% vs mid-market Recipient gets kr 77,057.49 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Sweden with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€43.031 EUR = 11.0763 SEK
kr 77,057.49You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €30.00 1 EUR = 11.0473 SEK +0.26% vs mid-market Recipient gets kr 76,999.93 Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Sweden with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€30.001 EUR = 11.0473 SEK
kr 76,999.93You pay€7,000.00

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

Opal Transfer

Pay via Bank transfer
Fee €1.00 1 EUR = 11.0000 SEK +0.69% vs mid-market Recipient gets kr 76,989.00 Minutes - 24 hours
0 reviews

Ways to receive money in Sweden with Opal Transfer when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
€1.001 EUR = 11.0000 SEK
kr 76,989.00You pay€7,000.00

CurrencyFair

Pay via Bank transfer
Fee €2.71 1 EUR = 11.0000 SEK +0.69% vs mid-market Recipient gets kr 76,970.00 Minutes - 24 hours
Receive to bank account

Ways to receive money in Sweden with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
€2.711 EUR = 11.0000 SEK
kr 76,970.00You pay€7,000.00

Deutsche Bank

Pay via Bank transfer
Fee €37.05 1 EUR = 11.0284 SEK +0.44% vs mid-market Recipient gets kr 76,790.08 Minutes - 5 days
0 reviews

Ways to receive money in Sweden with Deutsche Bank when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
€37.051 EUR = 11.0284 SEK
kr 76,790.08You pay€7,000.00

Wise

Pay via Debit card
Fee €87.94 1 EUR = 11.0763 SEK 0.00% vs mid-market Recipient gets kr 76,560.05 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Sweden with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€87.941 EUR = 11.0763 SEK
kr 76,560.05You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €79.00 1 EUR = 11.0473 SEK +0.26% vs mid-market Recipient gets kr 76,458.61 Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Sweden with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€79.001 EUR = 11.0473 SEK
kr 76,458.61You pay€7,000.00

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

Moneycorp

Pay via Bank transfer
Fee €0.00 1 EUR = 10.9215 SEK +1.40% vs mid-market Recipient gets kr 76,450.71 Minutes - 2 days

Ways to receive money in Sweden with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 EUR = 10.9215 SEK
kr 76,450.71You pay€7,000.00

Wise

Pay via Credit card
Fee €130.01 1 EUR = 11.0763 SEK 0.00% vs mid-market Recipient gets kr 76,094.07 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Sweden with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€130.011 EUR = 11.0763 SEK
kr 76,094.07You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €9.99 1 EUR = 10.6092 SEK +4.31% vs mid-market Recipient gets kr 74,264.40 Minutes - 24 hours

Ways to receive money in Sweden with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
€9.991 EUR = 10.6092 SEK
kr 74,264.40You pay€7,009.99
How Our Results Work
Mid-market rate: 1 EUR = 11.0766 SEK Updates every 60 minutes.

How to send money from Germany to Sweden

Pick a company

For a one-off transfer from Germany, I suggest picking the cheapest option which is Xe.

Xe was the cheapest on 1 of the 29 days it quoted €7,000 transfers to Sweden.

On a 7,000 EUR transfer, Xe delivers the most SEK.

This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/SEK rate.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and iDEAL.

Verify and send

First time round you'll need a photo ID and proof of your German address.

Video identification is also normal and takes a few minutes.

Compare amounts

How much EUR are you sending to Sweden?

How much EUR you send to Sweden heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Xe was the cheapest in 5% of the transfers from €7,000 it quoted, and in 5% of all the transfers it quoted.

Cheapest service
€1,0000.26%€0.00kr 11,046.60with bank transfer to bank deposit+kr 133.17
€5,0000.17%€0.00kr 55,274.50with debit card to bank deposit+kr 600.01
€7,000This page0.18%€0.00kr 77,400.40with debit card to bank deposit+kr 508.49
€50,000€9.99kr 551,655.00with debit card to card deposit+kr 155,183.13

Mid-market rate: 1 EUR = 11.0766 SEK

EUR/SEK Exchange Rate History

Is today a good time to send money from Germany to Sweden?

The cheapest way to send EUR to SEK can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Xe), across 30 days of comparisons for 7,000 EUR transfers to Sweden.

SEK received for €7,000, after fees

Wed, 28 Oct 2026Mid-market ratekr 77,536.22 Xe kr 77,400.40 Deutsche Bank kr 76,790.08Xekr 77,400.40Key Currencykr 77,342.38Regency FXkr 77,326.87Extra cost of a bankkr 610.32

76.000
77.000
78.000
79.000
80.000
At the mid-market rateWith the cheapest optionWith a bankXeKey CurrencyRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.3301 – kr 79,310.94
Key Currency Cheapest 11.3018 €0.00 kr 79,112.66 −kr 198.28
Regency FX 11.2995 €0.00 kr 79,096.80 −kr 214.14
Xe 11.2653 €0.00 kr 78,857.10 −kr 453.84
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.3291 – kr 79,303.97
Key Currency Cheapest 11.3008 €0.00 kr 79,105.71 −kr 198.26
Regency FX 11.2986 €0.00 kr 79,089.85 −kr 214.12
Xe 11.2707 €0.00 kr 78,894.90 −kr 409.07
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.3361 – kr 79,352.49
Key Currency Cheapest 11.3077 €0.00 kr 79,154.11 −kr 198.38
Regency FX 11.3055 €0.00 kr 79,138.24 −kr 214.25
Xe 11.2714 €0.00 kr 78,899.80 −kr 452.69
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.2984 – kr 79,089.11
MoneyGram Cheapest 11.2702 €9.99 kr 78,891.40 −kr 197.71
Key Currency 11.2702 €0.00 kr 78,891.39 −kr 197.72
Regency FX 11.2679 €0.00 kr 78,875.57 −kr 213.54
Xe 11.2399 €0.00 kr 78,679.30 −kr 409.81
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.3045 – kr 79,131.56
Key Currency Cheapest 11.2762 €0.00 kr 78,933.73 −kr 197.83
Regency FX 11.2740 €0.00 kr 78,917.90 −kr 213.66
Xe 11.1569 €0.00 kr 78,098.30 −kr 1,033.26
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.3045 – kr 79,131.56
Key Currency Cheapest 11.2762 €0.00 kr 78,933.73 −kr 197.83
Regency FX 11.2740 €0.00 kr 78,917.90 −kr 213.66
Xe 11.1423 €0.00 kr 77,996.10 −kr 1,135.46
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.2741 – kr 78,918.46
Key Currency Cheapest 11.2459 €0.00 kr 78,721.16 −kr 197.29
Regency FX 11.2436 €0.00 kr 78,705.38 −kr 213.07
Xe 11.2129 €0.00 kr 78,490.30 −kr 428.15
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.2649 – kr 78,854.38
Key Currency Cheapest 11.2367 €0.00 kr 78,657.25 −kr 197.13
Regency FX 11.2345 €0.00 kr 78,641.48 −kr 212.90
Xe 11.2033 €0.00 kr 78,423.10 −kr 431.28
Deutsche Bank 11.2168 €37.05 kr 78,101.81 −kr 752.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.2616 – kr 78,831.29
Key Currency Cheapest 11.2335 €0.00 kr 78,634.21 −kr 197.08
Regency FX 11.2312 €0.00 kr 78,618.45 −kr 212.84
Xe 11.1922 €0.00 kr 78,345.40 −kr 485.89
Deutsche Bank 11.2168 €37.05 kr 78,101.81 −kr 729.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.2050 – kr 78,434.75
Key Currency Cheapest 11.1770 €0.00 kr 78,238.67 −kr 196.08
Regency FX 11.1747 €0.00 kr 78,222.98 −kr 211.77
Xe 11.1430 €0.00 kr 78,001.00 −kr 433.75
Deutsche Bank 11.1559 €37.05 kr 77,677.94 −kr 756.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1777 – kr 78,243.87
Key Currency Cheapest 11.1498 €0.00 kr 78,048.26 −kr 195.61
Regency FX 11.1475 €0.00 kr 78,032.61 −kr 211.26
Deutsche Bank 11.1559 €37.05 kr 77,677.94 −kr 565.93
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.2035 – kr 78,424.77
Key Currency Cheapest 11.1755 €0.00 kr 78,228.70 −kr 196.07
Regency FX 11.1733 €0.00 kr 78,213.02 −kr 211.75
Deutsche Bank 11.1474 €37.05 kr 77,618.79 −kr 805.98
Xe 11.0050 €0.00 kr 77,035.00 −kr 1,389.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.2035 – kr 78,424.77
Key Currency Cheapest 11.1755 €0.00 kr 78,228.70 −kr 196.07
Regency FX 11.1733 €0.00 kr 78,213.02 −kr 211.75
Deutsche Bank 11.1474 €37.05 kr 77,618.79 −kr 805.98
Xe 11.0028 €0.00 kr 77,019.60 −kr 1,405.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.2034 – kr 78,424.00
Key Currency Cheapest 11.1754 €0.00 kr 78,227.94 −kr 196.06
Regency FX 11.1732 €0.00 kr 78,212.26 −kr 211.74
Xe 11.1353 €0.00 kr 77,947.10 −kr 476.90
Deutsche Bank 11.1497 €37.05 kr 77,634.73 −kr 789.27
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1934 – kr 78,353.48
Key Currency Cheapest 11.1654 €0.00 kr 78,157.59 −kr 195.89
Regency FX 11.1631 €0.00 kr 78,141.92 −kr 211.56
Xe 11.1367 €0.00 kr 77,956.90 −kr 396.58
Deutsche Bank 11.1623 €37.05 kr 77,722.51 −kr 630.97
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1496 – kr 78,047.14
Key Currency Cheapest 11.1217 €0.00 kr 77,852.03 −kr 195.11
Regency FX 11.1195 €0.00 kr 77,836.42 −kr 210.72
Xe 11.0911 €0.00 kr 77,637.70 −kr 409.44
Deutsche Bank 11.1186 €37.05 kr 77,418.17 −kr 628.97
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1946 – kr 78,362.19
Key Currency Cheapest 11.1666 €0.00 kr 78,166.28 −kr 195.91
Regency FX 11.1644 €0.00 kr 78,150.61 −kr 211.58
Xe 11.1342 €0.00 kr 77,939.40 −kr 422.79
Deutsche Bank 11.1186 €37.05 kr 77,418.17 −kr 944.02
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1439 – kr 78,007.28
MoneyGram Cheapest 11.1263 €9.99 kr 77,884.10 −kr 123.18
Key Currency 11.1160 €0.00 kr 77,812.26 −kr 195.02
Regency FX 11.1138 €0.00 kr 77,796.66 −kr 210.62
Xe 11.0888 €0.00 kr 77,621.60 −kr 385.68
Deutsche Bank 11.1230 €37.05 kr 77,448.71 −kr 558.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1387 – kr 77,971.13
Key Currency Cheapest 11.1109 €0.00 kr 77,776.20 −kr 194.93
Regency FX 11.1087 €0.00 kr 77,760.61 −kr 210.52
Deutsche Bank 11.0908 €37.05 kr 77,224.69 −kr 746.44
Xe 10.9121 €0.00 kr 76,384.70 −kr 1,586.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1387 – kr 77,971.13
Key Currency Cheapest 11.1109 €0.00 kr 77,776.20 −kr 194.93
Regency FX 11.1087 €0.00 kr 77,760.61 −kr 210.52
Deutsche Bank 11.0908 €37.05 kr 77,224.69 −kr 746.44
Xe 10.9275 €0.00 kr 76,492.50 −kr 1,478.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1230 – kr 77,860.96
Key Currency Cheapest 11.0952 €0.00 kr 77,666.31 −kr 194.65
Regency FX 11.0930 €0.00 kr 77,650.73 −kr 210.23
Xe 11.0595 €0.00 kr 77,416.50 −kr 444.46
Deutsche Bank 11.0883 €37.05 kr 77,207.34 −kr 653.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1114 – kr 77,779.59
Key Currency Cheapest 11.0836 €0.00 kr 77,585.14 −kr 194.45
Regency FX 11.0814 €0.00 kr 77,569.59 −kr 210.00
Xe 11.0486 €0.00 kr 77,340.20 −kr 439.39
Deutsche Bank 11.0883 €37.05 kr 77,207.34 −kr 572.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1184 – kr 77,829.07
Key Currency Cheapest 11.0906 €0.00 kr 77,634.49 −kr 194.58
Regency FX 11.0884 €0.00 kr 77,618.93 −kr 210.14
Xe 11.0592 €0.00 kr 77,414.40 −kr 414.67
Deutsche Bank 11.0666 €37.05 kr 77,056.37 −kr 772.70
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1127 – kr 77,788.89
Key Currency Cheapest 11.0849 €0.00 kr 77,594.42 −kr 194.47
Regency FX 11.0827 €0.00 kr 77,578.86 −kr 210.03
Xe 11.0504 €0.00 kr 77,352.80 −kr 436.09
Deutsche Bank 11.0533 €37.05 kr 76,963.61 −kr 825.28
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1183 – kr 77,828.02
Key Currency Cheapest 11.0905 €0.00 kr 77,633.45 −kr 194.57
Regency FX 11.0883 €0.00 kr 77,617.88 −kr 210.14
Xe 11.0612 €0.00 kr 77,428.40 −kr 399.62
Deutsche Bank 11.0533 €37.05 kr 76,963.61 −kr 864.41
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1259 – kr 77,881.63
Key Currency Cheapest 11.0981 €0.00 kr 77,686.92 −kr 194.71
Regency FX 11.0959 €0.00 kr 77,671.35 −kr 210.28
Deutsche Bank 11.0650 €37.05 kr 77,045.04 −kr 836.59
Xe 10.9076 €0.00 kr 76,353.20 −kr 1,528.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1259 – kr 77,881.63
Key Currency Cheapest 11.0981 €0.00 kr 77,686.92 −kr 194.71
Regency FX 11.0959 €0.00 kr 77,671.35 −kr 210.28
Deutsche Bank 11.0650 €37.05 kr 77,045.04 −kr 836.59
Xe 10.9249 €0.00 kr 76,474.30 −kr 1,407.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1332 – kr 77,932.61
Key Currency Cheapest 11.1054 €0.00 kr 77,737.78 −kr 194.83
Regency FX 11.1032 €0.00 kr 77,722.19 −kr 210.42
Xe 11.0742 €0.00 kr 77,519.40 −kr 413.21
Deutsche Bank 11.0614 €37.05 kr 77,020.14 −kr 912.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.1163 – kr 77,813.89
Key Currency Cheapest 11.0885 €0.00 kr 77,619.36 −kr 194.53
Regency FX 11.0863 €0.00 kr 77,603.79 −kr 210.10
Xe 11.0550 €0.00 kr 77,385.00 −kr 428.89
Deutsche Bank 11.0781 €37.05 kr 77,136.30 −kr 677.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.0766 – kr 77,536.22
Xe Cheapest 11.0572 €0.00 kr 77,400.40 −kr 135.82
Key Currency 11.0489 €0.00 kr 77,342.38 −kr 193.84
Regency FX 11.0467 €0.00 kr 77,326.87 −kr 209.35
Deutsche Bank 11.0284 €37.05 kr 76,790.08 −kr 746.14

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more SEK per EUR than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of SEK on every transfer from Germany.

Right now, Xe pays 77,400.4 SEK on 7,000 EUR, which is 135.82 SEK less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 79,154.11 SEK.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Sweden.

We've tracked 78 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

  1. XeAppeared in 75 comparisons

    Cheapest in 5% of them

  2. Key CurrencyAppeared in 45 comparisons

    Cheapest in 89% of them

  3. Regency FXAppeared in 45 comparisons

    Never the cheapest

  4. Deutsche BankAppeared in 68 comparisons

    Never the cheapest

Based on 78 comparisons across 4 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Xe is the cheapest and gets you the most SEK, but it was the cheapest in only 5% of the 75 comparisons it appeared in over the past month.

Key Currency (today's second cheapest) was the cheapest in 89% of its comparisons, so if you send money to Sweden regularly, it's worth comparing it with Xe before each transfer.

If it's a one-off transfer, go with Xe, since it's the cheapest right now.

Ways to send money from Germany to Sweden

There are 12 companies for sending money from Germany to Sweden, across broker, online, app, multi-currency account, global account, in person, and bank, and more below.

Fastest and easiest way

Online and app transfers

Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.

Sending €7,000 with Xe to Sweden gets you 77,400.4 SEK with a €0 fee and 0.18% markup.

In our comparisons over the past month, it was the cheapest online service on 1 of the 29 days it quoted.

Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.

For paying in cash at a counter

In-person transfers

There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.

Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

In general, online transfers are cheaper than sending cash to Sweden.

For Euro transfers only

Banks

Inside the eurozone, banks use a SEPA transfer which is cheap or free and there's little reason to look further.

Outside the eurozone, banks like Deutsche Bank are much more expensive.

On a €7,000 transfer, Deutsche Bank delivers 76,790.08 SEK vs 77,400.4 SEK with Xe.

We found Deutsche Bank was the cheapest bank on 23 of the 23 days it appeared for this amount.

For large transfers from Germany

Currency brokers

For buying property, moving to Sweden, or moving pensions, a currency broker is the best option.

A broker like Xe charges no fee and works on a margin. It adds 0.18% on EUR/SEK which gets negotiated the more you send.

And you get an account manager to help you through the process.

Our analysis shows Xe was the cheapest broker in 7% of the transfers from €7,000 it quoted.

For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.

For making business payments

Global accounts

Global accounts are for businesses making payments to Sweden.

Be it overseas suppliers and contractors, receiving SEK payments, or holding SEK and EUR in one business account.

Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.

For spending & receiving

Multi-currency accounts

A multi-currency account lets you hold EUR and SEK in one account.

You get SEK bank details, and can receive international payments like rent, dividends, family payments without additional conversions.

You can convert SEK to EUR or EUR to SEK whenever you need.

The best multi-currency account is Wise, it adds ~0% markup and charges small fees.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund EUR and receive SEK in Sweden

With Xe, paying by debit card and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 77,400.4 SEK.

Our data shows that Xe gets your recipient 610.32 SEK more than Deutsche Bank, today's cheapest bank, on the same €7,000.

You can pay for the transfer using bank transfer, debit card, credit card, and iDEAL.

Using German bank

A SEPA bank transfer is usually the cheapest way to deposit EUR.

An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to Sweden.

The recipient in Sweden can receive SEK by bank deposit, card deposit, and cash pickup.

To receive SEK by bank deposit

Enter the recipient's banking details and account holder's name.

Check both before sending because correcting a bank deposit will delay the transfer.

They can receive cash in Sweden

For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.

  1. 1
    Debit card Bank deposit

    You pay €7,000.00

    kr77,400

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay €7,000.00

    kr77,400

    kr0

  3. 3
    Credit card Bank deposit

    You pay €7,000.00

    kr77,400

    kr0

  4. 4
    Debit card Card deposit

    You pay €7,009.99

    kr77,232

    -kr169

  5. 5
    Credit card Card deposit

    You pay €7,009.99

    kr77,232

    -kr169

Show moreShow less
  1. 6
    iDEAL Bank deposit

    You pay €7,000.00

    kr77,057

    -kr343

  2. 7
    Debit card Cash pickup

    You pay €7,009.99

    kr74,264

    -kr3,136

  3. 8
    Bank transfer Cash pickup

    You pay €7,009.99

    kr74,264

    -kr3,136

  4. 9
    Credit card Cash pickup

    You pay €7,009.99

    kr74,264

    -kr3,136

Things to know before sending money from Germany to Sweden

The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.

Compare EUR/SEK transfer options

For a €7,000 transfer to Sweden, these are the best options:

Cheapest way to send money to Sweden

The cheapest option is Xe, funded by debit card with bank deposit for the payout. Your recipient gets 77,400.4 SEK, which is 0.07% more than the next best option.

Fastest way to send money to Sweden

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 76,999.93 SEK in within minutes.

Transfers over €50,000 may get reported

Germany's AWV reporting threshold is €50,000.

A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.

It is a statistics report, not a tax or permission request.

Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.

The automated AWV notice shown by a bank does not mean every transfer is reportable.

The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.

SEPA and SWIFT are different

If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.

A payment converted into SEK sits outside that pricing rule and may involve another bank or payout partner.

Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.

This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.

How we analyse the market

Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.

We then track 12 of them on EUR to Sweden, comparing rates, fees and the pay-in and payout options.

In the past 30 days alone, we analysed 78 comparisons across 4 amounts.

This page covers the cheapest and fastest options for EUR/SEK transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

More on who we are, why you can trust us and how to get started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.