The Best International Money Transfer Apps in Sweden in 2026

The best apps for overseas payments

Choose around bank, card or cash funding and the way your recipient needs to receive the money.

Swedish-bank funding and foreign-income balances

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

0%

Transfer Speed

Minutes - 24 hours

Visit

"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Travel spending beside overseas bank payments

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

Visit

"Revolut has 70+ million customers globally. You can hold up to 25+ currencies in the app and send money quickly in 25+ currencies to 140+ countries."

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.

Trustly funding and family phone-credit support

8.7

WorldRemit

Fees

$1.99 - $2.99

Exchange Rate Markup

0.8% - 3%

Transfer Speed

Minutes - 2 days

Visit

"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."

Family mobile-wallet payments from a card

8.5

TapTap Send

Fees

Exchange Rate Markup

Transfer Speed

Minutes

Visit

"Taptap Send faciliates money transfers to bank accounts & mobile money wallets on popular networks with competitive rates."

Card-funded family delivery choices

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Transfer Speed

Minutes - 3 days

Visit

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Bank or card funding around delivery options

8.4

TransferGo

Fees

None

Exchange Rate Markup

0.3% - 1.1%

Transfer Speed

Minutes - 24 hours

Visit

"Instant transfers to Visa & MasterCard. Over 35,000 reviews on TrustPilot."

Collection locations and repeat mobile orders

7.4

Ria Money Transfer

Fees

$1 - $10

Exchange Rate Markup

2 - 3%

Transfer Speed

Minutes - 24 hours

Visit

"Ria Money Transfer has over 35 yeas of trusted experience. Send money online to over 190 countries, and to over 500,000 pickup locations."

Mobile cash orders and local agent access

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Visit

Wise

Wise joins Swedish-bank funding with foreign-income balances

Wise lets you fund a supported transfer through Trustly from your own Swedish personal bank account, without copying a separate payment reference manually.

I think it is worth considering when foreign salary or client payments also arrive in supported currencies, because those balances can fund your next overseas bill.

The app manages receiving details, saved bank recipients, scheduled balance payments and card controls beside the transfer status.

Holding the currency also lets you spend it by card without another conversion, making Wise a multi-currency account in Sweden option beyond remittances.

SEK funding must come through a bank within Sweden, with offered bank or card alternatives when Trustly does not support your account.

Scheduled payments use an available Wise balance, so they do not automatically withdraw kronor from your Swedish bank on the sending date.

There is no ordinary monthly subscription, while the physical card costs SEK79 and the digital card is free.

ATM withdrawals are free up to SEK2,700 monthly, then cost 2.69 percent on the excess, with operator charges separate.

Transfers use the mid-market exchange rate plus a variable fee, while incoming wire and card-related costs remain separate.

I'd say use the actual delivery estimate for an urgent payment, because bank funding and conversion happen before the recipient-bank leg.

The SEK10,000 and SEK50,000 examples show Wise’s conversion fee beside the foreign amount received across these selected destinations.

Revolut

Revolut combines travel balances with overseas bank contacts

Revolut keeps supported foreign balances, card controls and international bank recipients beside your everyday account functions in the app.

I suggest considering it when travel spending and repeated foreign bills belong in the same account, especially within your remaining weekday exchange allowance.

You can convert into a balance before the trip, retain incoming supported currencies and spend the matching currency without another conversion.

Receiving details depend on the currency, so multiple balances do not mean a separate local bank account in every destination.

Bank funding and eligible consumer cards provide payment routes, while commercial or non-EEA card loading can add a charge.

Standard has no monthly subscription, with a SEK10,000 rolling-month exchange allowance and a one-percent charge on the excess.

A separate one-percent weekend exchange charge applies on Standard, while other relevant exchange activity also consumes the allowance.

Revolut does not charge for eligible euro SEPA or ordinary Revolut-to-Revolut payments, with other international routes priced separately.

I'd say check the remaining allowance before a transfer, because earlier travel conversion can change the cost even at a smaller amount.

The SEK10,000 and SEK50,000 quotes show Revolut’s transfer charge and exchange margin alongside the recipient amount, with your remaining allowance also affecting conversion.

WorldRemit

WorldRemit combines Trustly funding with family phone-credit top-ups

WorldRemit lets you use supported Trustly bank funding, accepted cards or Apple Pay for an overseas order from Sweden.

I think it is worth considering when family support includes both money and phone credit, because the app includes airtime top-ups alongside ordinary remittances.

A top-up adds credit to a supported phone number, rather than giving the recipient withdrawable cash or a bank balance.

For money transfers, you choose a supported bank deposit, cash collection or mobile-money recipient, then follow the order and saved recipient record.

Identity and address verification can use accepted passport, driving-licence or residence-permit documents, without assuming every signup requires Swedish BankID.

The Swedish sending limit is SEK80,000 per transfer and per twenty-four hours, with verification and funding requirements still applying.

There is no required monthly banking plan, while transfer fees and the quoted exchange margin vary by destination and receiving method.

Trustly funding and recipient delivery have separate timing, so I'd say use the actual order estimate for urgent family support.

Its Android rating is lower than several alternatives here, so I suggest weighing the phone-credit function against your preferred app and receiving route.

TapTap Send

TapTap Send puts family mobile-wallet payments on your phone

TapTap Send lets you pay from an accepted card in your name and choose a supported bank, wallet or cash payout for family.

I suggest considering it for a regular mobile-wallet recipient when the service supports their actual account and the final amount suits the payment.

You save the recipient and follow the transfer status, rather than send a new set of account instructions for every order.

Eligible Swedish Visa or Mastercard debit, credit and prepaid cards can fund the payment, with card approval completing the sending step.

The recipient does not need a TapTap account, but their wallet, bank or collection details must fit the chosen destination method.

I'd say keep the receiving route consistent when checking repeat prices, because a wallet deposit and cash collection can have different costs.

Most routes price through the exchange-rate margin, while selected destinations add a fixed transfer charge.

A card issuer or recipient withdrawal can add separate costs, and there is no mandatory banking subscription or foreign-income account included.

These selected SEK10,000 and SEK50,000 quotes show TapTap’s sending fee and exchange margin alongside the recipient amount.

Remitly

Remitly keeps family bank, cash and wallet choices together

Remitly lets you select an available bank deposit, cash collection or mobile-wallet payout before entering the family recipient's details.

I suggest considering it when relatives need different receiving methods, rather than requiring everyone to collect cash or open the same wallet.

The app stores recipient records, shows the order's delivery estimate and keeps status notifications beside your transfer history.

Swedish funding uses supported debit or credit cards, Apple Pay or Google Pay, rather than an assumed bank-account or Swish route.

Your recipient does not need a Remitly account, with cash collection requiring the correct name and the receiving outlet's identification rules.

The fee and exchange-rate margin depend on the funding, destination and payout, without a required monthly banking subscription.

I'd say use the normal repeat quote for regular family payments, because a first-transfer promotion does not establish later costs.

Card-issuer charges can add to funding, while the actual arrival estimate follows successful payment and any required checks.

The SEK10,000 and SEK50,000 results put Remitly’s delivered amount beside the quoted fee, exchange margin and delivery estimate.

TransferGo

TransferGo lets you choose funding around the recipient’s delivery

TransferGo offers Swedish bank or accepted card funding, with bank and eligible card delivery selected through the app for the supported destination.

I think it is worth considering when the recipient's available payout and the delivery option fit the payment better than a cash-focused service.

You enter the beneficiary, inspect the fee and receiving amount, then add the requested purpose or reference before funding.

The app keeps the order under Transactions, with push or email updates and saved details for repeat recipients.

For manual bank funding, use the collecting account and reference supplied for that order rather than reuse an old instruction blindly.

The sending charge and exchange margin change with funding, speed and recipient route, without a compulsory monthly banking subscription.

I'd say assess the final amount alongside the delivery estimate, rather than choose an expensive faster option for a bill that can wait.

Ria

Ria keeps pickup locations beside repeat mobile orders

Ria lets you find a relevant collection location, save the recipient and follow repeat family transfers through its Swedish app.

I suggest considering it when the recipient prefers an available Ria outlet, making their actual collection access part of the app decision.

You register and complete the required identity checks, then enter bank details or the cash pickup route before authenticating the payment.

Swedish app funding uses supported debit or credit cards, Apple Pay or Google Pay, without an assumed Swish or bank-account pay-in.

The outlet finder does not make the app cash-funded, so sender cash is a different need from a recipient collecting the payment.

Supported bank, cash or selected wallet delivery depends on the destination, with the quote showing the retail exchange rate and sending fee.

There is no required monthly banking subscription, while your card issuer can add a separate payment charge.

I suggest comparing the normal order against another service reaching the same outlet or bank, rather than relying on a time-limited fee promotion.

Western Union

Western Union connects a mobile order with cash funding

Western Union lets you prepare the order in its Swedish app, select cash funding and find a participating agent on the map.

At the agent, you confirm the order with your phone number, pay cash and receive the MTCN for the transfer.

I think that flow is worth considering when your money starts as cash, while recipient collection is a separate receiving choice.

Trustly, accepted cards and offered Apple Pay or Google Pay provide remote funding alternatives through the app.

You can follow the payment and resend to saved recipients, with supported bank, wallet or cash delivery depending on the destination.

FOREX shops also send through Western Union in person, rather than provide a separate FOREX remittance app or online sending service.

Sending fees and exchange margins depend on the channel, with online and counter quotes potentially differing for the same destination.

I'd say check the appropriate channel's total cost, including issuer charges and the recipient's collection access, before choosing the payment.

The live online quotes below show Western Union’s selected SEK payments, while a FOREX counter order needs that channel’s own quote.

Cheapest apps for sending from Sweden

I suggest comparing the final recipient amount with the actual bank or card funding method, especially after using a monthly exchange allowance.

For an eligible euro bank payment, a retained euro balance and a new SEK conversion can have different total costs.

The cheapest way to send money abroad from Sweden also depends on whether the recipient needs a bank, wallet or cash payout.

Amount

AmountSEK 10,000SEK 50,000Custom

Last updated at 2026-10-16

SEK GBP

Mid Market Rate 1 kr = 0,0757 £1 kr = 0,0757 £

Transfer Amount 10 000 kr50 000 kr

1

Revolut

2

Currencies Direct

3

Wise

1

TorFx

2

Wise

3

Currencies Direct

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

SEK / GBP

753,62 £

15,00 kr

0.0755

0.20%

Within minutes

Bank transfer

Visit

SEK / GBP

752,90 £

0,00 kr

0.0753

0.47%

Minutes - 24 hours

Bank transfer

Visit

SEK / GBP

752,80 £

51,37 kr

0.0757

-0.06%

Within minutes

Bank transfer

Visit

SEK / GBP

3 772,70 £

0,00 kr

0.0755

0.30%

Minutes - 24 hours

Bank transfer

Visit

SEK / GBP

3 767,13 £

226,60 kr

0.0757

-0.03%

Within minutes

Bank transfer

Visit

SEK / GBP

3 765,50 £

0,00 kr

0.0753

0.50%

Minutes - 24 hours

Bank transfer

Visit

SEK EUR

Mid Market Rate 1 kr = €0.08961 kr = €0.0896

Transfer Amount 10 000 kr50 000 kr

1

TapTap Send

2

Revolut

3

Wise

1

TapTap Send

2

TorFx

3

Wise

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

SEK / EUR

€900.00

0,00 kr

0.0900

-0.39%

Minutes

Debit card

Visit

SEK / EUR

€893.82

0,00 kr

0.0894

0.28%

Within minutes

Bank transfer

Visit

SEK / EUR

€892.20

47,12 kr

0.0896

0.05%

Within minutes

Bank transfer

Visit

SEK / EUR

€4,500.00

0,00 kr

0.0900

-0.43%

Minutes

Debit card

Visit

SEK / EUR

€4,467.36

0,00 kr

0.0893

0.30%

Minutes - 24 hours

Bank transfer

Visit

SEK / EUR

€4,463.53

206,48 kr

0.0896

0.02%

Within minutes

Bank transfer

Visit

SEK USD

Mid Market Rate 1 kr = 0,1007 $1 kr = 0,1006 $

Transfer Amount 10 000 kr50 000 kr

1

Revolut

2

Currencies Direct

3

Wise

1

TorFx

2

Wise

3

Currencies Direct

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

SEK / USD

1 003,29 $

15,00 kr

0.1005

0.16%

Within a week

Bank transfer

Visit

SEK / USD

1 001,00 $

0,00 kr

0.1001

0.56%

Minutes - 24 hours

Bank transfer

Visit

SEK / USD

1 000,87 $

56,07 kr

0.1007

-0.04%

Within 3 hours

Bank transfer

Visit

SEK / USD

5 015,81 $

0,00 kr

0.1003

0.30%

Minutes - 24 hours

Bank transfer

Visit

SEK / USD

5 007,13 $

227,32 kr

0.1006

0.02%

Within 3 hours

Bank transfer

Visit

SEK / USD

5 005,00 $

0,00 kr

0.1001

0.52%

Minutes - 24 hours

Bank transfer

Visit

SEK INR

Mid Market Rate 1 kr = 9,5542 ₹1 kr = 9,5557 ₹

Transfer Amount 10 000 kr50 000 kr

1

Profee

2

TapTap Send

3

Remitly

1

Profee

2

TapTap Send

3

TorFx

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

SEK / INR

96 210,16 ₹

0,00 kr

9.6210

-0.70%

Minutes - 24 hours

Debit card

Visit

SEK / INR

95 500,00 ₹

0,00 kr

9.5500

0.04%

Minutes

Debit card

Visit

SEK / INR

95 293,00 ₹

0,00 kr

9.5293

0.26%

Within a week

Debit card

Visit

SEK / INR

481 050,79 ₹

0,00 kr

9.6210

-0.68%

Minutes - 24 hours

Debit card

Visit

SEK / INR

477 500,00 ₹

0,00 kr

9.5500

0.06%

Minutes

Debit card

Visit

SEK / INR

476 353,34 ₹

0,00 kr

9.5271

0.30%

Minutes - 24 hours

Bank transfer

Visit

SEK THB

Mid Market Rate 1 kr = 3,3692 ฿1 kr = 3,3677 ฿

Transfer Amount 10 000 kr50 000 kr

1

Remitly

2

TapTap Send

3

Revolut

1

TapTap Send

2

TorFx

3

CurrencyFair

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

SEK / THB

34 068,00 ฿

0,00 kr

3.4068

-1.11%

Within minutes

Debit card

Visit

SEK / THB

33 600,00 ฿

0,00 kr

3.3600

0.27%

Minutes

Debit card

Visit

SEK / THB

33 484,84 ฿

15,00 kr

3.3535

0.47%

Within minutes

Bank transfer

Visit

SEK / THB

168 000,00 ฿

0,00 kr

3.3600

0.23%

Minutes

Debit card

Visit

SEK / THB

167 881,89 ฿

0,00 kr

3.3576

0.30%

Minutes - 24 hours

Bank transfer

Visit

SEK / THB

167 215,00 ฿

37,12 kr

3.3468

0.62%

Minutes - 24 hours

Bank transfer

Visit

SEK PHP

Mid Market Rate 1 kr = 6,342 ₱1 kr = 6,341 ₱

Transfer Amount 10 000 kr50 000 kr

1

Remitly

2

TapTap Send

3

Revolut

1

TorFx

2

TapTap Send

3

Wise

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

SEK / PHP

63 359,00 ₱

0,00 kr

6.3359

0.10%

Within a week

Debit card

Visit

SEK / PHP

63 100,00 ₱

0,00 kr

6.3100

0.51%

Minutes

Debit card

Visit

SEK / PHP

63 046,44 ₱

15,00 kr

6.3141

0.44%

Within minutes

Bank transfer

Visit

SEK / PHP

316 100,79 ₱

0,00 kr

6.3220

0.30%

Minutes - 24 hours

Bank transfer

Visit

SEK / PHP

315 500,00 ₱

0,00 kr

6.3100

0.49%

Minutes

Debit card

Visit

SEK / PHP

315 102,63 ₱

305,54 kr

6.3408

0.00%

Within a week

Bank transfer

Visit

SEK KES

Mid Market Rate 1 kr = 13,0698 KES1 kr = 13,07 KES

Transfer Amount 10 000 kr50 000 kr

1

Remitly

2

Revolut

3

Wise

1

Wise

2

TapTap Send

3

Revolut

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

SEK / KES

132 400,00 KES

0,00 kr

13.2400

-1.29%

Within minutes

Debit card

Visit

SEK / KES

129 720,00 KES

16,70 kr

12.9937

0.58%

Within minutes

Bank transfer

Visit

SEK / KES

129 008,00 KES

127,29 kr

13.0671

0.02%

Within minutes

Bank transfer

Visit

SEK / KES

646 410,00 KES

539,02 kr

13.0691

0.01%

Within minutes

Bank transfer

Visit

SEK / KES

643 800,00 KES

0,00 kr

12.8760

1.50%

Minutes

Debit card

Visit

SEK / KES

643 372,04 KES

475,00 kr

12.9909

0.61%

Within minutes

Bank transfer

Visit

SEK TRY

Mid Market Rate 1 kr = 4,9833 ₺1 kr = 4,9862 ₺

Transfer Amount 10 000 kr50 000 kr

1

Revolut

2

Currencies Direct

3

Wise

1

Wise

2

Currencies Direct

3

Western Union

Currency pair

They get (after fees)

Transfer fees

FX Rate

Markup

Delivery time

Cheapest payment method

SEK / TRY

49 450,97 ₺

33,60 kr

4.9618

0.43%

Within minutes

Bank transfer

Visit

SEK / TRY

49 447,00 ₺

0,00 kr

4.9447

0.78%

Minutes - 24 hours

Bank transfer

Visit

SEK / TRY

49 414,56 ₺

64,73 kr

4.9737

0.19%

Within minutes

Bank transfer

Visit

SEK / TRY

247 694,39 ₺

224,09 kr

4.9762

0.20%

Within minutes

Bank transfer

Visit

SEK / TRY

247 085,00 ₺

0,00 kr

4.9417

0.90%

Minutes - 24 hours

Bank transfer

Visit

SEK / TRY

246 650,96 ₺

0,00 kr

4.9330

1.07%

Minutes - 2 days

Debit card

Visit

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Trustly funding and Swish payments are different

Trustly lets you approve a supported remittance funding payment from your own Swedish bank account, with authorisation through the available bank method.

Wise, WorldRemit and Western Union offer it for supported Swedish accounts, while other apps use the listed card or bank funding route.

Swish can pay a registered user while they travel abroad, but that does not turn the payment into a foreign-bank deposit.

For domestic payments, I'd say keep your existing Swish or bank app, then choose the remittance service for the overseas receiving method.

Bank authorisation does not replace app identification

Approving the funding payment through your bank is separate from completing the remittance provider's identity and address checks.

WorldRemit accepts specified identity documents including an eligible passport or residence permit, so Swedish BankID is not a universal signup requirement for every service.

I suggest completing that verification before an urgent first payment, then using the order's arrival estimate after funding.

For an existing bank, check its foreign-payment activation requirements before assuming the ordinary mobile payment menu covers the overseas order.

Keep a foreign balance when the next bill uses it

Wise and Revolut can retain supported incoming currencies for later spending or bank payments, avoiding a needless conversion through Swedish kronor.

I'd say keep euros for an expected euro bill, rather than convert on receipt and buy them again before paying.

An eligible euro SEPA payment can have no sending charge, but funding it through a new SEK conversion still has an exchange cost.

For airtime support, WorldRemit phone credit serves a different purpose from a retained cash balance or ordinary bank deposit.

Match cash support to the actual channel

A recipient collecting cash and a sender funding with cash are different tasks, even when both use a remittance company.

Western Union's app-to-agent flow supports the sender's visit, while Ria's Swedish app uses the offered card or mobile-payment funding.

FOREX provides a staffed Western Union service in its shops, with that counter's price separate from an online app quote.

I suggest choosing the receiving outlet around the recipient's access and identification, rather than the largest advertised network alone.

How to send money abroad through an app

Use the comparison form for your amount and destination, then select the funding and receiving route that fit your payment.