Wise is the best way to send money to Sweden. Sending $10,000 gets you 56,133.9 SEK on the other end.
| 9 of 9 providers Last updated on 28 September 2026 | |||
| Based on 10,000 NZD transfer Best companies for NZD/SEK transfers | |||
| Promoted  Wise Pay via Bank transfer | Fees: $29.06 1 NZD = 5.6297 SEK +0.01% vs mid-market | Recipient gets kr 56,133.90 Same day | |
Ways to receive money in Sweden with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $29.061 NZD = 5.6297 SEK kr 56,133.90You pay$10,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 5.5675 SEK +1.12% vs mid-market | Recipient gets kr 55,674.50 6-12 Hours | |
Ways to receive money in Sweden with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 5.5675 SEK kr 55,674.50You pay$10,000.00 | |||
Run a live search Showing top New Zealand to Sweden deals for 10,000 NZD. 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 NZD 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 NZD you're planning to spend in Sweden. | |||
Run a live search These are managed services with real human support for large NZD transfers. Click the link and update the transfer amount to get the best deal. | |||
| Wise Pay via Bank transfer | Fees: $29.06 1 NZD = 5.6297 SEK +0.01% vs mid-market | Recipient gets kr 56,133.90 Same day | |
Ways to receive money in Sweden with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $29.061 NZD = 5.6297 SEK kr 56,133.90You pay$10,000.00 | |||
 TorFx Pay via Bank transfer | Fees: $0.00 1 NZD = 5.6133 SEK +0.30% vs mid-market | Recipient gets kr 56,133.18 6-12 Hours | |
Ways to receive money in Sweden with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 5.6133 SEK kr 56,133.18You pay$10,000.00 | |||
 OFX Pay via Bank transfer | Fees: $0.00 1 NZD = 5.6021 SEK +0.50% vs mid-market | Recipient gets kr 56,020.58 6-12 Hours | |
Ways to receive money in Sweden with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 5.6021 SEK kr 56,020.58You pay$10,000.00 | |||
 Orbit Remit Pay via Bank transfer | Fees: $0.00 1 NZD = 5.6008 SEK +0.52% vs mid-market | Recipient gets kr 56,008.00 2 Days | |
Ways to receive money in Sweden with Orbit Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 NZD = 5.6008 SEK kr 56,008.00You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fees: $55.00 1 NZD = 5.6264 SEK +0.07% vs mid-market | Recipient gets kr 55,954.77 Within minutes | |
Ways to receive money in Sweden with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $55.001 NZD = 5.6264 SEK kr 55,954.77You pay$10,000.00 | |||
| 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. | |||
 Currencies Direct Pay via Bank transfer | Fees: $0.00 1 NZD = 5.5947 SEK +0.63% vs mid-market | Recipient gets kr 55,947.00 6-12 Hours | |
Ways to receive money in Sweden with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 5.5947 SEK kr 55,947.00You pay$10,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fees: $5.33 1 NZD = 5.5870 SEK +0.77% vs mid-market | Recipient gets kr 55,840.00 6-12 Hours | |
Ways to receive money in Sweden with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $5.331 NZD = 5.5870 SEK kr 55,840.00You pay$10,000.00 | |||
| Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 5.5675 SEK +1.12% vs mid-market | Recipient gets kr 55,674.50 6-12 Hours | |
Ways to receive money in Sweden with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 5.5675 SEK kr 55,674.50You pay$10,000.00 | |||
 Moneycorp Pay via Bank transfer | Fees: $0.00 1 NZD = 5.5514 SEK +1.40% vs mid-market | Recipient gets kr 55,513.86 Next Day | |
Ways to receive money in Sweden with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 NZD = 5.5514 SEK kr 55,513.86You pay$10,000.00 | |||
| Xe Pay via Debit card | Fees: $40.00 1 NZD = 5.5675 SEK +1.12% vs mid-market | Recipient gets kr 55,451.80 6-12 Hours | |
Ways to receive money in Sweden with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 5.5675 SEK kr 55,451.80You pay$10,000.00 | |||
| Xe Pay via Credit card | Fees: $90.00 1 NZD = 5.5675 SEK +1.12% vs mid-market | Recipient gets kr 55,173.43 6-12 Hours | |
Ways to receive money in Sweden with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 5.5675 SEK kr 55,173.43You pay$10,000.00 | |||
| How Our Results Work Mid-market rate: 1 NZD = 5.6302 SEK Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Wise is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account like Wise.
For large transfers (NZ$10k+) using a broker like TorFx is usually the best option.
New Zealand has no instant payment rail, so plan for the money to leave your account slower than you'd expect.
How much you send will affect the best option for you right now, so I suggest .
You can pay for the transfer via bank transfer, debit card, and credit card.
Bank transfers settle in batches a few times a business day, so a Friday evening payment can sit until Monday.
If you and the money transfer company use the same bank, it'll usually settle in seconds.
For your first transfer you'll need a photo ID and proof of address.
Nothing checks the recipient's name against the account number on an international transfer, so make sure to double check it.
How much NZD 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | 0.13% | $1.60 | kr 5,614.68with bank transfer to bank deposit | +kr 53.93 | |
| $10,000This page | 0.01% | $29.06 | kr 56,133.90with bank transfer to bank deposit | +kr 329.26 |
Mid-market rate: 1 NZD = 5.6302 SEK
9 companies cover NZD/SEK transfers, between them you can send money via broker, online, app, multi-currency account, and global account, and more.
Cheapest way to send NZD
The gap between the cheapest and most expensive way to send money from New Zealand is among the widest in the world, and money transfer companies and apps are usually the cheapest.
Wise charges $29.06 and 0.01% markup on a $10,000 transfer.
This will get you 56,133.9 SEK and it will arrive in same day.
Best support options
For house purchase abroad, an inheritance or a pension transfer, a broker like TorFx charges no fee and adds 0.3% margin, with a real person on the phone dealing with everything end to end.
Also, you can send a small NZD/SEK transfer first to get the feel of the process before sending the rest.
I suggest getting a few quotes from brokers and seeing who's the cheapest.
Living across two countries
If you live between two countries, income in one, mortgage or family in the other, a multi-currency account holds both currencies and converts when you choose.
Wise converts $10,000 at 0.01% markup and holds the SEK until you spend it.
It’s also great for travelling to Sweden and spending it there.
For business payments from NZ
Companies like Wise Business, OFX, or Revolut Business handle business payments, recurring and batch payments, invoicing, and more.
Great for paying suppliers, contractors or staff in Sweden, or getting paid in SEK.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $10,000 gives your recipient 56,133.9 SEK.
Pay in NZD by bank transfer, debit card, and credit card.
New Zealand bank payments still run in processing cycles, so allow time for the company to receive the payment before it can process the transfer to Sweden.
The recipient in Sweden can use bank deposit.
To send monye directly to bank account or card, enter the recipient's bank details, account number and account-holder name.
You pay $10,000.00
kr56,134
Cheapest
You pay $10,000.00
kr55,452
-kr682
You pay $10,000.00
kr55,173
-kr960
Here are a few things to know about money transfers from New Zealand to Sweden.
For a $10,000 transfer to Sweden, these are the current best options you have.
Cheapest
Wise is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 56,133.9 SEK, which is 0% more than the next best option.
Fastest
Revolut delivers 55,954.77 SEK in within minutes when you pay by bank transfer and the recipient uses bank deposit.
New Zealand reporting entities must report international wire transfers of NZ$1,000 or more to the Financial Intelligence Unit.
It does not mean you need permission or cannot send more than NZ$1,000.
The New Zealand Police guidance on prescribed transactions explains the reporting threshold.
Keep evidence showing where the money came from, particularly for a property sale, inheritance or transfer between your own accounts.
New Zealand bank payments run daily, but the transfer company still needs to receive and match your payment before sending SEK.
Debit-card funding may be confirmed sooner, although it can cost more.
New Zealand abolished gift duty, so there is no New Zealand gift tax simply because you send money to family in Sweden.
Keep a record showing that it was a gift, loan or transfer of your own money because the recipient's tax position can differ.
New Zealand's Depositor Compensation Scheme covers eligible deposits at licensed deposit takers.
It does not cover money after it has been sent to a non-bank transfer company.
The Reserve Bank explains the scheme's scope in a bit more detail.
Exchange-rate margins add up on regular transfers to Sweden. Compare each quote with the recent NZD/SEK range before sending.
Mid-market rate:1 NZD = 5.645419 SEK
Most of our pricing comes straight from the companies, and anything collected by hand is labelled in the table as indicative.
That covers 9 registered financial service providers sending NZD to Sweden, updated in real time on live searches and compared on rates, fees, speed and the ways to pay and collect.
Each goes through our review. Learn more:
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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