Key Currency is the best and cheapest service overall. On €7,000 you will get 78,881.27 SEK after fees and the exchange rate.
We’ve compared 11 money transfer companies in more detail below.
| 12 of 12 providers Last updated on 26 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/SEK transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €32.90 1 EUR = 11.2980 SEK -0.01% vs mid-market | Recipient gets kr 78,714.30 Next day | |
Ways to receive money in Sweden with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €32.901 EUR = 11.2980 SEK kr 78,714.30You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 11.1685 SEK +1.14% vs mid-market | Recipient gets kr 78,179.50 Minutes - 24 hours | |
Ways to receive money in Sweden with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 11.1685 SEK kr 78,179.50You 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. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live EUR to SEK rates. | |||
Run a live search These companies offer multi-currency accounts for spending SEK. We suggest doing a live search based on how much EUR you're planning to spend in Sweden. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 11.2688 SEK +0.25% vs mid-market | Recipient gets kr 78,881.27 Minutes - 3 days | |
Ways to receive money in Sweden with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 11.2688 SEK kr 78,881.27You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 11.2665 SEK +0.27% vs mid-market | Recipient gets kr 78,865.46 Minutes - 24 hours | |
Ways to receive money in Sweden with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 11.2665 SEK kr 78,865.46You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 11.2631 SEK +0.30% vs mid-market | Recipient gets kr 78,841.74 Minutes - 24 hours | |
Ways to receive money in Sweden with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 11.2631 SEK kr 78,841.74You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €32.90 1 EUR = 11.2980 SEK -0.01% vs mid-market | Recipient gets kr 78,714.30 Next day | |
Ways to receive money in Sweden with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €32.901 EUR = 11.2980 SEK kr 78,714.30You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 11.2405 SEK +0.50% vs mid-market | Recipient gets kr 78,683.58 Minutes - 24 hours | |
Ways to receive money in Sweden with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 11.2405 SEK kr 78,683.58You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 11.2374 SEK +0.53% vs mid-market | Recipient gets kr 78,661.80 Minutes - 24 hours | |
Ways to receive money in Sweden with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 11.2374 SEK kr 78,661.80You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €43.03 1 EUR = 11.2980 SEK -0.01% vs mid-market | Recipient gets kr 78,599.85 Next day | |
Ways to receive money in Sweden with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €43.031 EUR = 11.2980 SEK kr 78,599.85You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €9.99 1 EUR = 11.2171 SEK +0.71% vs mid-market | Recipient gets kr 78,519.70 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 = 11.2171 SEK kr 78,519.70You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 10.8428 SEK kr 75,899.60You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €9.99 1 EUR = 11.2171 SEK +0.71% vs mid-market | Recipient gets kr 78,519.70 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 = 11.2171 SEK kr 78,519.70You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 10.8428 SEK kr 75,899.60You pay€7,009.99 | |||
 CurrencyFair Pay via Bank transfer | Fee €2.66 1 EUR = 11.2100 SEK +0.77% vs mid-market | Recipient gets kr 78,440.00 Minutes - 24 hours | |
Ways to receive money in Sweden with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €2.661 EUR = 11.2100 SEK kr 78,440.00You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 11.1685 SEK +1.14% vs mid-market | Recipient gets kr 78,179.50 Minutes - 24 hours | |
Ways to receive money in Sweden with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 11.1685 SEK kr 78,179.50You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 11.1685 SEK +1.14% vs mid-market | Recipient gets kr 78,179.50 Minutes - 24 hours | |
Ways to receive money in Sweden with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 11.1685 SEK kr 78,179.50You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 11.1685 SEK +1.14% vs mid-market | Recipient gets kr 78,179.50 Minutes - 24 hours | |
Ways to receive money in Sweden with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 11.1685 SEK kr 78,179.50You pay€7,000.00 | |||
| Wise Pay via Debit card | Fee €87.94 1 EUR = 11.2980 SEK -0.01% vs mid-market | Recipient gets kr 78,092.45 Next day | |
Ways to receive money in Sweden with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €87.941 EUR = 11.2980 SEK kr 78,092.45You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 11.1388 SEK +1.40% vs mid-market | Recipient gets kr 77,971.87 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 = 11.1388 SEK kr 77,971.87You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €100.00 1 EUR = 11.2527 SEK +0.39% vs mid-market | Recipient gets kr 77,643.76 Next day | |
Ways to receive money in Sweden with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext day €100.001 EUR = 11.2527 SEK kr 77,643.76You 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. | |||
| Wise Pay via Credit card | Fee €130.01 1 EUR = 11.2980 SEK -0.01% vs mid-market | Recipient gets kr 77,617.15 Next day | |
Ways to receive money in Sweden with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €130.011 EUR = 11.2980 SEK kr 77,617.15You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €149.00 1 EUR = 11.2527 SEK +0.39% vs mid-market | Recipient gets kr 77,092.37 Within minutes | |
Ways to receive money in Sweden with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €149.001 EUR = 11.2527 SEK kr 77,092.37You 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 +2.66% vs mid-market | Recipient gets kr 76,989.00 Minutes - 24 hours | |
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 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €9.99 1 EUR = 10.8428 SEK +4.10% vs mid-market | Recipient gets kr 75,899.60 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 = 10.8428 SEK kr 75,899.60You pay€7,009.99 | |||
| How Our Results Work Mid-market rate: 1 EUR = 11.2970 SEK Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Key Currency.
On a 7,000 EUR transfer, Key Currency 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.
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
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.
There are 11 companies for sending money from Germany to Sweden, across broker, online, app, multi-currency account, global account, and in person, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with Wise to Sweden gets you 78,714.3 SEK with a €32.9 fee and -0.01% markup.
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
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.
In general, online transfers are cheaper than sending cash to Sweden.
For large transfers from Germany
For buying property, moving to Sweden, or moving pensions, a currency broker is the best option.
A broker like Key Currency charges no fee and works on a margin. It adds 0.25% on EUR/SEK which gets negotiated the more you send.
And you get an account manager to help you through the process.
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 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
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 ~-0.01% markup and charges small fees.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 78,881.27 SEK.
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 holders 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.
You pay €7,000.00
kr78,881
Cheapest
You pay €7,000.00
kr78,600
-kr281
You pay €7,009.99
kr78,520
-kr362
You pay €7,009.99
kr78,520
-kr362
You pay €7,000.00
kr78,180
-kr702
You pay €7,000.00
kr78,180
-kr702
You pay €7,009.99
kr75,900
-kr2,982
You pay €7,009.99
kr75,900
-kr2,982
You pay €7,009.99
kr75,900
-kr2,982
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.
For a €7,000 transfer to Sweden, these are the best options:
Cheapest way to send money to Sweden
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 78,881.27 SEK, which is 0.02% more than the next best option.
Fastest way to send money to Sweden
The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 78,865.46 SEK in minuten - 24 stunden.
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.
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.
The EUR/SEK rate can move noticeably within a week, changing the amount your recipient gets in SEK.
Mid-market rate:1 EUR = 11.296996 SEK
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 11 of them on EUR to Sweden, comparing rates, fees and the pay-in and payout options.
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.
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