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

Comparing providers offering services between Finland and Sweden based on your specific transfer amount, is the easiest way to get the best price on your transfer.

Right now, these are your best options for sending money from Finland to Sweden

• Wise scored the highest of the 10 money transfer companies supporting EUR to SEK transfers. For example, sending 7,000 EUR to SEK will cost you €32.9 in fees, and the recipient will get 77,338.99 SEK. The delivery time is within 3 hours.

• The cheapest option is Key Currency. Our data shows, over the past week, that Key Currency is 0.02% than the second-best option when sending via a bank transfer. This includes a fee of 0 EUR and a EUR-SEK exchange rates.

• Fastest money transfers to Sweden from Finland is with Revolut. Right now, if you send €7,000 with Revolut to Sweden, the transfer time is within minutes. When sending money from Finland to Sweden, Revolut has a fee of 60 EUR. Although we would recommend comparing the amount you want to send.

We cover the entire EUR-SEK market and have compared 10 providers offering services between Finland and Sweden.

This ensures you will get the most comprehensive options for sending Euro to Sweden.

Whilst we rate Wise as the best overall for transfers between the two countries, comparing gives you the best idea for your specific Finland to Sweden transfer needs.

The exchange rate determines the price you will pay when buying Swedish Krona in Finland. A better exchange rate means more Euros being sent to Sweden.

The current rate between the Euro and Swedish Krona is 11.0905.

The total cost of money transfers to Sweden from Finland, is a combination of exchange rates and fees. Sending with a company that can offer a good competitive rate and low (or no) fees is the best way to get a good deal.

• The Mid-Market and Exchange Rates: The current mid-market for EUR-SEK is 11.0905 SEK per Euro.

• Fees: Some money transfers between Finland and Sweden will be subject to fees. Although you should search for your send amount for actual fees as your scenario may be different.

• Amount Received: Money transfer companies will show you the amount of Swedish Krona eventually received in Sweden.

A safer option if you want to get a particular rate is to use a forward contract, especially for large Euro transfers to Sweden. This allows you to lock in an agreed exchange rate between Finland and Sweden.

Sending via a bank transfer is the payment method that will get you the best price on a transfer from Finland to Sweden.

Here are all the ways to fund your transfer:

Bank transfer

Bank transfers are often the best and easier way to send money from Finland to Sweden.

By using a money transfer company such as Key Currency for transfers from Finland to Sweden, you can send money via a bank transfer and benefit from lower fees and more favorable exchange rates than would be offered by a bank. 


Debit and prepaid cards

Sending money from Finland to Sweden with a debit or a prepaid card is easy with Wise.


Wise is a leading money transfer company for debit card payments, and offers transfers from Finland to Sweden.

Credit cards

When it comes to sending money with a credit card from Finland to Sweden, it can get very expensive very quickly due to additional fees.

We recommend sticking to bank transfers or debit card deposits, but if you have to, run a quick comparison to find the right money transfer company that offers credit card deposits.

Companies offering money transfers between Finland and Sweden will have minimum or maximum thresholds on how much you can send or receive across set timeframes.

Exchange rates and fees for different transfer amounts could change and sending regularly could mean losing out.

That’s why it’s best to compare EUR-SEK rates for your specific transfer amount.

For regular transfers to Sweden to Finland, shopping around each time can make a huge difference.

For sending large amounts of EUR to Sweden without hitting a threshold, we’d recommended Wise. They offer a combination of rates and fees when sending from Finland to Sweden that is the most competitive, even at larger amounts.

Be sure to check with the recipient and understand any declarations needed on large amounts of money entering Sweden from Finland.

Options for receiving Swedish Krona in Sweden include direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.

Not all of the 10 providers offering transfers from Finland to Sweden will support every method for incoming Swedish Krona, so it’s best to check ahead of time.

The most common option is to send directly from Finland to a bank account in Sweden. For most part, this is convenient but does have receiving fees to potentially be aware of.

Wise is the best company for bank transfers between Finland and Sweden.

Cash pickup is popular in some parts of Sweden, but not always supported and can be costly compared to cheaper options.

Mobile wallet or P2P services and payment apps like PayPal, Xoom, and CashApp are popular because of convenience, but they come with more limitations and higher costs compared to money transfer providers like Revolut.

When sending Swedish Kronas to Sweden, through a money transfer company, you will need to verify your ID when signing up.

The documents you need can vary and in some cases you might need a couple of options.

Generally, government issued ID such as a passport or driver's license are accepted in Finland. If the recipient needs an ID to collect money in Sweden, the same applies there. You may also be able use other ID formats, where these aren’t available.

Large transactions between Finland and Sweden can be subject to additional checks such as proof of funds for anti-money laundering purposes. This may also require additional ID checks.

One of the reasons Wise as scored so highly for transfers to Sweden is their easy sign up process in Finland.

As well as proof of funds, when sending large amounts of money between Finland and Sweden there will be tax declarations to consider. This is also potentially due to regular transactions.

Some transfers into Swedish Krona may need to be reported to tax authorities in Sweden and Finland, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances do change in Sweden based on age, income and a few other elements. Everyone’s tax obligations are unique - when in doubt, please contact a tax professional in Finland or Sweden.