How to send money to Sweden from New Zealand with the best NZD-SEK rate

OrbitRemit is the best way to send money to Sweden. Sending NZ$10,000 gets you 56,195.8 SEK on the other end.

Best companies for NZD/SEK transfers

9 of 9 providers

Last updated on 28 October 2026

Based on 10,000 NZD transfer

Best companies for NZD/SEK transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fees: $29.06 1 NZD = 5.5893 SEK +0.01% vs mid-market Recipient gets kr 55,730.48 Same day
Receive to bank accountDedicated support for large transfers

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 = 5.5893 SEK
kr 55,730.48You pay$10,000.00
Promoted

Xe

Pay via Bank transfer
Fees: $0.00 1 NZD = 5.5267 SEK +1.13% vs mid-market Recipient gets kr 55,267.20 6-12 Hours
Receive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 NZD = 5.5267 SEK
kr 55,267.20You 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.

OrbitRemit

Pay via Bank transfer
Fees: $0.00 1 NZD = 5.6196 SEK -0.53% vs mid-market Recipient gets kr 56,195.80 2 Days
Cheapest

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

MethodFee & ratesRecipient gets
Bank deposit2 Days
Free1 NZD = 5.6196 SEK
kr 56,195.80You pay$10,000.00

Wise

Pay via Bank transfer
Fees: $29.06 1 NZD = 5.5893 SEK +0.01% vs mid-market Recipient gets kr 55,730.48 Same day
Recommended
Receive to bank accountDedicated support for large transfers

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 = 5.5893 SEK
kr 55,730.48You pay$10,000.00

TorFx

Pay via Bank transfer
Fees: $0.00 1 NZD = 5.5729 SEK +0.30% vs mid-market Recipient gets kr 55,728.66 6-12 Hours
Receive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 NZD = 5.5729 SEK
kr 55,728.66You pay$10,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fees: $41.85 1 NZD = 5.5851 SEK +0.08% vs mid-market Recipient gets kr 55,617.02 Within minutes
Fastest
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
$41.851 NZD = 5.5851 SEK
kr 55,617.02You 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.

OFX

Pay via Bank transfer
Fees: $0.00 1 NZD = 5.5617 SEK +0.50% vs mid-market Recipient gets kr 55,616.87 6-12 Hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 NZD = 5.5617 SEK
kr 55,616.87You pay$10,000.00

Currencies Direct

Pay via Bank transfer
Fees: $0.00 1 NZD = 5.5540 SEK +0.64% vs mid-market Recipient gets kr 55,540.00 6-12 Hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 NZD = 5.5540 SEK
kr 55,540.00You pay$10,000.00

CurrencyFair

Pay via Bank transfer
Fees: $5.37 1 NZD = 5.5480 SEK +0.75% vs mid-market Recipient gets kr 55,450.00 6-12 Hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
$5.371 NZD = 5.5480 SEK
kr 55,450.00You pay$10,000.00

Xe

Pay via Bank transfer
Fees: $0.00 1 NZD = 5.5267 SEK +1.13% vs mid-market Recipient gets kr 55,267.20 6-12 Hours
Receive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 NZD = 5.5267 SEK
kr 55,267.20You pay$10,000.00

Moneycorp

Pay via Bank transfer
Fees: $0.00 1 NZD = 5.5114 SEK +1.40% vs mid-market Recipient gets kr 55,113.80 Next Day

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

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 NZD = 5.5114 SEK
kr 55,113.80You pay$10,000.00

Xe

Pay via Debit card
Fees: $40.00 1 NZD = 5.5267 SEK +1.13% vs mid-market Recipient gets kr 55,046.13 6-12 Hours
Receive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
$40.001 NZD = 5.5267 SEK
kr 55,046.13You pay$10,000.00

Xe

Pay via Credit card
Fees: $90.00 1 NZD = 5.5267 SEK +1.13% vs mid-market Recipient gets kr 54,769.80 6-12 Hours
Receive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
$90.001 NZD = 5.5267 SEK
kr 54,769.80You pay$10,000.00
How Our Results Work
Mid-market rate: 1 NZD = 5.5896 SEK Updates every 60 minutes.

How to send money from New Zealand to Sweden

Pick a company

If you're sending a one-off transfer, then OrbitRemit is the best option.

OrbitRemit was the cheapest on 7 of the 19 days it quoted NZ$10,000 transfers to Sweden.

For recurring transfers, I'd suggest using an app or a multi-currency account like OrbitRemit.

For large transfers (NZ$10k+), 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 .

Fund your transfer

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.

Verify and send

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.

Compare amounts

How much NZD are you sending to Sweden?

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.

Our analysis shows OrbitRemit was the cheapest in 31% of the transfers from NZ$10,000 it quoted, and in 29% of all the transfers it quoted.

Cheapest service
$1,0000.15%$1.85kr 5,574.31with bank transfer to bank deposit+kr 34.55
$5,000-0.63%$0.00kr 28,097.90with bank transfer to bank deposit+kr 435.08
$10,000This page-0.53%$0.00kr 56,195.80with bank transfer to bank deposit+kr 734.37
$50,000-0.72%$0.00kr 280,979.00with bank transfer to bank deposit+kr 3,630.31
$250,000-0.49%$0.00kr 1,404,895.00with bank transfer to bank deposit+kr 14,273.77

Mid-market rate: 1 NZD = 5.5896 SEK

NZD/SEK Exchange Rate History

Is today a good time to send money from New Zealand to Sweden?

The cheapest way to send NZD 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 OrbitRemit), across 30 days of comparisons for 10,000 NZD transfers to Sweden.

SEK received for $10,000, after fees

Wed, 28 Oct 2026Mid-market ratekr 55,896.35 OrbitRemit kr 56,195.80OrbitRemitkr 56,195.80Wisekr 55,730.48TorFxkr 55,728.66

55,600
55,800
56,000
56,200
56,400
56,600
56,800
At the mid-market rateWith the cheapest optionOrbitRemitWiseTorFx
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6391 – kr 56,390.68
Wise Cheapest 5.6395 $29.06 kr 56,231.22 −kr 159.46
TorFx 5.6222 $0.00 kr 56,221.51 −kr 169.17
OrbitRemit 5.6008 $0.00 kr 56,008.00 −kr 382.68
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6443 – kr 56,443.41
Wise Cheapest 5.6441 $29.06 kr 56,276.88 −kr 166.53
TorFx 5.6274 $0.00 kr 56,274.08 −kr 169.33
OrbitRemit 5.6008 $0.00 kr 56,008.00 −kr 435.41
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6335 – kr 56,335.33
TorFx Cheapest 5.6166 $0.00 kr 56,166.32 −kr 169.01
Wise 5.6326 $29.06 kr 56,162.42 −kr 172.91
OrbitRemit 5.6008 $0.00 kr 56,008.00 −kr 327.33
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6343 – kr 56,342.76
Wise Cheapest 5.6347 $29.06 kr 56,183.26 −kr 159.50
TorFx 5.6174 $0.00 kr 56,173.73 −kr 169.03
OrbitRemit 5.6008 $0.00 kr 56,008.00 −kr 334.76
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6390 – kr 56,390.23
TorFx Cheapest 5.6221 $0.00 kr 56,221.06 −kr 169.17
Wise 5.6375 $29.06 kr 56,210.78 −kr 179.45
OrbitRemit 5.6008 $0.00 kr 56,008.00 −kr 382.23
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6390 – kr 56,390.23
TorFx Cheapest 5.6221 $0.00 kr 56,221.06 −kr 169.17
Wise 5.6375 $29.06 kr 56,210.78 −kr 179.45
OrbitRemit 5.6008 $0.00 kr 56,008.00 −kr 382.23
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6330 – kr 56,330.07
TorFx Cheapest 5.6161 $0.00 kr 56,161.08 −kr 168.99
Wise 5.6322 $29.06 kr 56,157.83 −kr 172.24
OrbitRemit 5.6008 $0.00 kr 56,008.00 −kr 322.07
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6150 – kr 56,149.64
OrbitRemit Cheapest 5.6008 $0.00 kr 56,008.00 −kr 141.64
Wise 5.6159 $29.06 kr 55,995.60 −kr 154.04
TorFx 5.5981 $0.00 kr 55,981.19 −kr 168.45
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6232 – kr 56,232.43
Wise Cheapest 5.6230 $29.06 kr 56,066.40 −kr 166.03
TorFx 5.6064 $0.00 kr 56,063.73 −kr 168.70
OrbitRemit 5.6008 $0.00 kr 56,008.00 −kr 224.43
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6037 – kr 56,036.89
OrbitRemit Cheapest 5.6008 $0.00 kr 56,008.00 −kr 28.89
Wise 5.6038 $29.06 kr 55,875.15 −kr 161.74
TorFx 5.5869 $0.00 kr 55,868.78 −kr 168.11
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.5918 – kr 55,918.18
OrbitRemit Cheapest 5.6008 $0.00 kr 56,008.00 +kr 89.82
Wise 5.5917 $29.06 kr 55,754.41 −kr 163.77
TorFx 5.5750 $0.00 kr 55,750.43 −kr 167.75
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6061 – kr 56,060.53
OrbitRemit Cheapest 5.6008 $0.00 kr 56,008.00 −kr 52.53
Wise 5.6101 $29.06 kr 55,938.47 −kr 122.06
TorFx 5.5892 $0.00 kr 55,892.35 −kr 168.18
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6061 – kr 56,060.53
OrbitRemit Cheapest 5.6008 $0.00 kr 56,008.00 −kr 52.53
Wise 5.6101 $29.06 kr 55,938.47 −kr 122.06
TorFx 5.5892 $0.00 kr 55,892.35 −kr 168.18
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6028 – kr 56,027.77
OrbitRemit Cheapest 5.6008 $0.00 kr 56,008.00 −kr 19.77
Wise 5.6029 $29.06 kr 55,866.68 −kr 161.09
TorFx 5.5860 $0.00 kr 55,859.69 −kr 168.08
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6004 – kr 56,003.69
Wise Cheapest 5.6009 $29.06 kr 55,846.14 −kr 157.55
TorFx 5.5836 $0.00 kr 55,835.68 −kr 168.01
OrbitRemit No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.5989 – kr 55,989.26
Wise Cheapest 5.5991 $29.06 kr 55,828.09 −kr 161.17
TorFx 5.5821 $0.00 kr 55,821.29 −kr 167.97
OrbitRemit No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.5970 – kr 55,969.95
Wise Cheapest 5.5967 $29.06 kr 55,804.26 −kr 165.69
TorFx 5.5802 $0.00 kr 55,802.04 −kr 167.91
OrbitRemit No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6130 – kr 56,130.14
TorFx Cheapest 5.5962 $0.00 kr 55,961.75 −kr 168.39
Wise 5.6124 $29.06 kr 55,960.80 −kr 169.34
OrbitRemit No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6089 – kr 56,089.33
TorFx Cheapest 5.5921 $0.00 kr 55,921.06 −kr 168.27
Wise 5.6044 $29.06 kr 55,881.44 −kr 207.89
OrbitRemit No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6089 – kr 56,089.33
TorFx Cheapest 5.5921 $0.00 kr 55,921.06 −kr 168.27
Wise 5.6044 $29.06 kr 55,881.44 −kr 207.89
OrbitRemit No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6158 – kr 56,158.07
Wise Cheapest 5.6158 $29.06 kr 55,994.51 −kr 163.56
TorFx 5.5990 $0.00 kr 55,989.60 −kr 168.47
OrbitRemit No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6261 – kr 56,260.76
Wise Cheapest 5.6265 $29.06 kr 56,101.59 −kr 159.17
TorFx 5.6092 $0.00 kr 56,091.98 −kr 168.78
OrbitRemit No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6328 – kr 56,328.22
Wise Cheapest 5.6329 $29.06 kr 56,165.21 −kr 163.01
TorFx 5.6159 $0.00 kr 56,159.24 −kr 168.98
OrbitRemit No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6317 – kr 56,316.62
Wise Cheapest 5.6323 $29.06 kr 56,158.93 −kr 157.69
TorFx 5.6148 $0.00 kr 56,147.67 −kr 168.95
OrbitRemit No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6490 – kr 56,489.53
TorFx Cheapest 5.6320 $0.00 kr 56,320.06 −kr 169.47
OrbitRemit No quote collected this day – – – –
Wise No quote collected this day – – – –
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6725 – kr 56,725.49
TorFx Cheapest 5.6555 $0.00 kr 56,555.31 −kr 170.18
Wise 5.6620 $29.06 kr 56,455.86 −kr 269.63
OrbitRemit 5.6196 $0.00 kr 56,195.80 −kr 529.69
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6725 – kr 56,725.49
TorFx Cheapest 5.6555 $0.00 kr 56,555.31 −kr 170.18
Wise 5.6620 $29.06 kr 56,455.86 −kr 269.63
OrbitRemit 5.6196 $0.00 kr 56,195.80 −kr 529.69
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6550 – kr 56,549.91
Wise Cheapest 5.6550 $29.06 kr 56,386.06 −kr 163.85
TorFx 5.6380 $0.00 kr 56,380.26 −kr 169.65
OrbitRemit 5.6196 $0.00 kr 56,195.80 −kr 354.11
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.6678 – kr 56,678.17
Wise Cheapest 5.6681 $29.06 kr 56,516.48 −kr 161.69
TorFx 5.6508 $0.00 kr 56,508.14 −kr 170.03
OrbitRemit 5.6196 $0.00 kr 56,195.80 −kr 482.37
Exchange rateFees:Recipient getsDifference
Mid-market rate 5.5896 – kr 55,896.35
OrbitRemit Cheapest 5.6196 $0.00 kr 56,195.80 +kr 299.45
Wise 5.5893 $29.06 kr 55,730.48 −kr 165.87
TorFx 5.5729 $0.00 kr 55,728.66 −kr 167.69

Exchange rateFees:Recipient getsDifference

Each line shows what the recipient gets when you send $10,000, after fees, as quoted by each company. The mid-market line shows what $10,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

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 NZD than the mid-market rate can offer.

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

In the past month, a money transfer company beat the mid-market rate on 2 of the last 30 days.

Right now, OrbitRemit pays 56,195.8 SEK on 10,000 NZD, which is 299.45 SEK more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 56,555.31 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.

If you need to send money now, it's a good time to send.

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 108 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. OrbitRemitAppeared in 52 comparisons

    Cheapest in 29% of them

  2. WiseAppeared in 107 comparisons

    Cheapest in 32% of them

  3. TorFxAppeared in 62 comparisons

    Cheapest in 16% of them

Based on 108 comparisons across 5 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 OrbitRemit is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Wise (today's second cheapest) was the cheapest in only 32% of its comparisons, so it's rarely the cheapest option for transfers to Sweden.

Ways to send money from New Zealand to Sweden

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

Online money transfers

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.

OrbitRemit charges NZ$0 and -0.53% markup on a NZ$10,000 transfer.

This will get you 56,195.8 SEK and it will arrive in 2 days.

In our comparisons over the past month, it was the cheapest online service on 7 of the 19 days it quoted.

Best support options

Currency brokers

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.

Our analysis shows TorFx was the cheapest broker in 48% of the transfers from NZ$10,000 it quoted.

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

Multi-currency accounts

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 NZ$10,000 at 0.01% markup and holds the SEK until you spend it.

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

It’s also great for travelling to Sweden and spending it there.

For business payments from NZ

Global accounts

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.

Ways to fund NZD and receive SEK in Sweden

With OrbitRemit, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending NZ$10,000 gives your recipient 56,195.8 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 money directly to bank account or card, enter the recipient's bank details, account number and account-holder name.

  1. 1
    Bank transfer Bank deposit

    You pay NZ$10,000.00

    kr56,196

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay NZ$10,000.00

    kr55,046

    -kr1,150

  3. 3
    Credit card Bank deposit

    You pay NZ$10,000.00

    kr54,770

    -kr1,426

What to consider when sending NZD to Sweden

Here are a few things to know about money transfers from New Zealand to Sweden.

Compare NZD/SEK transfer options

For a NZ$10,000 transfer to Sweden, these are the current best options you have.

Cheapest

OrbitRemit is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 56,195.8 SEK, which is 0.83% more than the next best option.

Fastest

Revolut delivers 55,617.02 SEK in within minutes when you pay by bank transfer and the recipient uses bank deposit.

A NZ$1,000 report

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.

Bank funding is not always instant

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.

Gifts are not taxed in New Zealand

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.

Transfer protection from New Zealand

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.

How we analyse the market

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.

In the past 30 days alone, we analysed 108 comparisons across 5 amounts.

This page covers the cheapest and fastest options for NZD/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.

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.