Usually the cheapest
Online transfers
Companies like Wise will get you 78,789.54 SEK on €7,000 transfer.
If it's the only time you send money to Sweden, then it's the best option.
For recurring transfers, an app is a bit more convenient.
How to send money to Sweden from Finland with the best EUR-SEK rate
We’ve compared and analysed 10 money transfer companies in Finland.
| 10 of 10 providers Last updated on 28 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 = 11.3088 SEK +0.01% vs mid-market | Recipient gets kr 78,789.54 Within minutes | |
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 = 11.3088 SEK kr 78,789.54You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 11.2493 SEK +0.54% vs mid-market | Recipient gets kr 78,745.10 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 = 11.2493 SEK kr 78,745.10You pay€7,000.00 | |||
Run a live search Showing top Finland 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 = 11.2821 SEK +0.25% vs mid-market | Recipient gets kr 78,974.78 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 = 11.2821 SEK kr 78,974.78You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 11.2798 SEK +0.27% vs mid-market | Recipient gets kr 78,958.95 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 = 11.2798 SEK kr 78,958.95You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 11.2765 SEK +0.30% vs mid-market | Recipient gets kr 78,935.20 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 = 11.2765 SEK kr 78,935.20You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €32.90 1 EUR = 11.3088 SEK +0.01% vs mid-market | Recipient gets kr 78,789.54 Within minutes | |
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 = 11.3088 SEK kr 78,789.54You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 11.2538 SEK +0.50% vs mid-market | Recipient gets kr 78,776.85 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 = 11.2538 SEK kr 78,776.85You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 11.2527 SEK +0.51% vs mid-market | Recipient gets kr 78,768.90 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 = 11.2527 SEK kr 78,768.90You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 11.2493 SEK +0.54% vs mid-market | Recipient gets kr 78,745.10 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 = 11.2493 SEK kr 78,745.10You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 11.2493 SEK +0.54% vs mid-market | Recipient gets kr 78,745.10 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 = 11.2493 SEK kr 78,745.10You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 11.2493 SEK +0.54% vs mid-market | Recipient gets kr 78,745.10 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 = 11.2493 SEK kr 78,745.10You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €43.03 1 EUR = 11.3088 SEK +0.01% vs mid-market | Recipient gets kr 78,674.98 Within minutes | |
Ways to receive money in Sweden with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €43.031 EUR = 11.3088 SEK kr 78,674.98You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €2.65 1 EUR = 11.2320 SEK +0.70% vs mid-market | Recipient gets kr 78,594.00 Minutes - 24 hours | |
Ways to receive money in Sweden with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €2.651 EUR = 11.2320 SEK kr 78,594.00You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €60.00 1 EUR = 11.2889 SEK +0.19% vs mid-market | Recipient gets kr 78,345.04 Within minutes | |
Ways to receive money in Sweden with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €60.001 EUR = 11.2889 SEK kr 78,345.04You 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 Debit card | Fee €87.94 1 EUR = 11.3088 SEK +0.01% vs mid-market | Recipient gets kr 78,167.10 Within minutes | |
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 = 11.3088 SEK kr 78,167.10You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 11.1520 SEK +1.40% vs mid-market | Recipient gets kr 78,064.30 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 = 11.1520 SEK kr 78,064.30You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €109.00 1 EUR = 11.2889 SEK +0.19% vs mid-market | Recipient gets kr 77,791.88 Within minutes | |
Ways to receive money in Sweden with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €109.001 EUR = 11.2889 SEK kr 77,791.88You 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 = 11.3088 SEK +0.01% vs mid-market | Recipient gets kr 77,691.34 Within minutes | |
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 = 11.3088 SEK kr 77,691.34You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 11.3104 SEK Updates every 60 minutes. | |||
Transfer details
How to send money from Finland to Sweden
Pick a company
For a one-off transfer to Sweden, start with Key Currency.
On a 7,000 EUR transfer, Key Currency delivers the most SEK.
The cheapest option depends on the amount, so I suggest 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.
Select how you want the recipient to pick up the money. For transfers to Sweden they can receive it via bank deposit.
Verify and send
If it's your first time using the service, you will need to verify your account.
This usually takes a a few minutes to a few hours.
If your transfer is urgent, make sure to get it done beforehand to avoid any delays.
Ways to send money from Finland to Sweden
10 companies send money from Finland to Sweden, mostly through broker, online, app, multi-currency account, and global account, and a few more ways.
For regular transfers
Money transfer apps
For the regular smaller transfer, apps are convenient and cheap.
Wise charges €32.9 on a €7,000 transfer, and 78,789.54 SEK arrives in within 3 hours.
In Sweden they can receive money via bank deposit.
Moving money between your own accounts
Multi-currency accounts
Companies like Wise let you hold EUR and SEK balances in one account.
You can convert between them any time, and it's cheap.
For example, converting 7,000 EUR to SEK with Wise gets you 78,789.54 SEK (€32.9 in fees and 0.01% markup).
This is especially useful travel since you are spending in SEK (no extra fees from Wise, only local ATMs).
For freelancers and SMEs
Global accounts
Global accounts are for companies and freelancers making payments to Sweden.
Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.
For sending large sums
Currency brokers
Currency brokers are good for sending €10,000+ to Sweden. They charge no fees and add a markup on the rate.
Key Currency charges no fee but adds 0.25% markup on top of the EUR/SEK rate.
Ways to fund EUR and receive SEK in Sweden
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 78,974.78 SEK.
To pay for your transfer in Finland, you have bank transfer, debit card, credit card, and ideal.
MobilePay and Siirto are useful for payments within Finland, but they do not send money to Sweden directly.
For withdrawals in Sweden, use bank deposit.
Receive SEK
The name should match the account holder's bank record, so double check it before sending.
- 1 Bank transfer Bank deposit
You pay €7,000.00
kr78,975
Cheapest
- 2 Debit card Bank deposit
You pay €7,000.00
kr78,745
-kr230
- 3 Credit card Bank deposit
You pay €7,000.00
kr78,745
-kr230
- 4 Ideal Bank deposit
You pay €7,000.00
kr78,675
-kr300
What to consider before sending money from Finland to Sweden
For a transfer from Finland, compare the SEK received and check whether the payment is a taxable gift rather than ordinary family support.
Compare EUR/SEK transfer options
Compare EUR/SEK transfer options
For a €7,000 transfer to Sweden, these are the current cheapest, fastest and easiest options.
Cheapest
Key Currency is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 78,974.78 SEK, which is 0.02% more than the next best option.
Fastest
Revolut delivers 78,345.04 SEK in within minutes when you pay by bank transfer and choose bank deposit.
Sending a gift from Finland can trigger gift tax
Sending a gift from Finland can trigger gift tax
If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.
The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.
Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.
Cash sent to the recipient is treated as a normal gift because they can spend it on anything.
Large transfers may take longer
Large transfers may take longer
Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.
Keep the invoice, sale document or account statement ready.
SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in Sweden.
Safety measures in Finland
Safety measures in Finland
An EEA company may be authorised in another country and operate in Finland through passporting.
If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.
Never move money to a so-called safe account or approve an unexpected bank-identification request.
When in doubt, check the company in the FIN-FSA supervised-entities register.
Finding the best rate to send money from Finland to Sweden
The exchange rate has a direct impact on how much SEK your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.
Mid-market rate:1 EUR = 11.320067 SEK
How we analyse the market
Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.
We track 10 of them on EUR to Sweden, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.
Nothing appears without passing our review.
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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