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

From 7 companies analysed, Regency FX is the cheapest way to send money to Bulgaria, giving your recipient 7,202.74 EUR when you send SEK 80,000.

Deposit with bank transfer and use bank deposit for withdrawal to get the most EUR.

Best companies for SEK/EUR transfers

7 of 7 providers

Last updated on 28 October 2026

Based on 80,000 SEK transfer

Best companies for SEK/EUR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 325,99 kr 1 SEK = 0.0903 EUR -0.01% vs mid-market Recipient gets €7,193.58 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Bulgaria with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
325,99 kr1 SEK = 0.0903 EUR
€7,193.58You pay80 000,00 kr
Promoted

Xe

Pay via Debit card
Fee 0,00 kr 1 SEK = 0.0891 EUR +1.31% vs mid-market Recipient gets €7,128.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0891 EUR
€7,128.00You pay80 000,00 kr

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Showing top Sweden to Bulgaria deals for 80,000 SEK. Do a live search with your exact amount for today's best rates.
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Regency FX

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.0900 EUR +0.27% vs mid-market Recipient gets €7,202.74 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Bulgaria with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0900 EUR
€7,202.74You pay80 000,00 kr

TorFx

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.0900 EUR +0.30% vs mid-market Recipient gets €7,200.57 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0900 EUR
€7,200.57You pay80 000,00 kr

Wise

Pay via Bank transfer
Fee 325,99 kr 1 SEK = 0.0903 EUR -0.01% vs mid-market Recipient gets €7,193.58 Within minutes
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Bulgaria with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
325,99 kr1 SEK = 0.0903 EUR
€7,193.58You pay80 000,00 kr
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 700,00 kr 1 SEK = 0.0900 EUR +0.31% vs mid-market Recipient gets €7,140.03 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
700,00 kr1 SEK = 0.0900 EUR
€7,140.03You pay80 000,00 kr

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.

Xe

Pay via Debit card
Fee 0,00 kr 1 SEK = 0.0891 EUR +1.31% vs mid-market Recipient gets €7,128.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0891 EUR
€7,128.00You pay80 000,00 kr

Xe

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.0891 EUR +1.31% vs mid-market Recipient gets €7,128.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0891 EUR
€7,128.00You pay80 000,00 kr

Xe

Pay via Credit card
Fee 0,00 kr 1 SEK = 0.0891 EUR +1.31% vs mid-market Recipient gets €7,128.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0891 EUR
€7,128.00You pay80 000,00 kr

Moneycorp

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.0890 EUR +1.40% vs mid-market Recipient gets €7,121.13 Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 SEK = 0.0890 EUR
€7,121.13You pay80 000,00 kr

Wise

Pay via Debit card
Fee 1 189,46 kr 1 SEK = 0.0903 EUR -0.01% vs mid-market Recipient gets €7,115.62 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Bulgaria with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
1 189,46 kr1 SEK = 0.0903 EUR
€7,115.62You pay80 000,00 kr

Wise

Pay via Credit card
Fee 1 352,18 kr 1 SEK = 0.0903 EUR -0.01% vs mid-market Recipient gets €7,100.93 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Bulgaria with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
1 352,18 kr1 SEK = 0.0903 EUR
€7,100.93You pay80 000,00 kr
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee 1 260,00 kr 1 SEK = 0.0900 EUR +0.31% vs mid-market Recipient gets €7,089.61 Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Bulgaria with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
1 260,00 kr1 SEK = 0.0900 EUR
€7,089.61You pay80 000,00 kr

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.

$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee 30,00 kr 1 SEK = 0.0882 EUR +2.33% vs mid-market Recipient gets €7,056.00 Minutes - 24 hours

Ways to receive money in Bulgaria with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
30,00 kr1 SEK = 0.0882 EUR
€7,056.00You pay80 030,00 kr
Card depositMinutes - 24 hoursAvailable via:SEND2CARD
1 200,00 kr1 SEK = 0.0862 EUR
€6,896.00You pay81 200,00 kr
Cash pickupMinutes - 24 hours
40,00 kr1 SEK = 0.0856 EUR
€6,848.00You pay80 040,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee 30,00 kr 1 SEK = 0.0882 EUR +2.33% vs mid-market Recipient gets €7,056.00 Minutes - 24 hours

Ways to receive money in Bulgaria with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
30,00 kr1 SEK = 0.0882 EUR
€7,056.00You pay80 030,00 kr
Card depositMinutes - 24 hoursAvailable via:SEND2CARD
1 200,00 kr1 SEK = 0.0862 EUR
€6,896.00You pay81 200,00 kr
Cash pickupMinutes - 24 hours
40,00 kr1 SEK = 0.0856 EUR
€6,848.00You pay80 040,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee 30,00 kr 1 SEK = 0.0882 EUR +2.33% vs mid-market Recipient gets €7,056.00 Minutes - 24 hours

Ways to receive money in Bulgaria with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
30,00 kr1 SEK = 0.0882 EUR
€7,056.00You pay80 030,00 kr
Cash pickupMinutes - 24 hours
40,00 kr1 SEK = 0.0856 EUR
€6,848.00You pay80 040,00 kr
How Our Results Work
Mid-market rate: 1 SEK = 0.0903 EUR Updates every 60 minutes.

How to send money from Sweden to Bulgaria

Pick a company

For a one-off SEK transfer to Bulgaria, I suggest picking the cheapest option which is Regency FX.

Regency FX was the cheapest on 27 of the 27 days it quoted kr80,000 transfers to Bulgaria.

On a 80,000 SEK transfer, Regency FX delivers the most EUR.

The best option will change depending on how much you actually send, so I suggest to get the best SEK/EUR rate.

Fund your transfer

You can pay for the transfer using bank transfer, debit card, and credit card.

A transfer from your Swedish bank is usually the easiest way to fund the transfer.

Verify and send

Before you can send money to Bulgaria, you'll need to verify your account.

Most companies do it with BankID.

If you can't get BankID yet, some companies will take a passport instead (but it's less common).

Compare amounts

How much SEK are you sending to Bulgaria?

How much SEK you send to Bulgaria 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 Regency FX was the cheapest in 100% of the transfers from SEK 50,000 it quoted, and in 100% of all the transfers it quoted.

Cheapest service
5 000 kr0.45%0,00 kr€449.66with bank transfer to bank deposit+€6.88
10 000 kr0.32%0,00 kr€900.40with bank transfer to bank deposit+€13.31
25 000 kr0.02%106,88 kr€2,247.64with bank transfer to bank deposit+€31.12
50 000 kr0.30%0,00 kr€4,501.95with bank transfer to bank deposit+€60.78
80 000 krThis page0.27%0,00 kr€7,202.74with bank transfer to bank deposit+€80.15

Mid-market rate: 1 SEK = 0.0903 EUR

SEK/EUR Exchange Rate History

Is today a good time to send money from Sweden to Bulgaria?

The cheapest way to send SEK to EUR 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 Regency FX), across 30 days of comparisons for 80,000 SEK transfers to Bulgaria.

EUR received for 80 000 kr, after fees

Wed, 28 Oct 2026Mid-market rate€7,222.24 Regency FX €7,202.74Regency FX€7,202.74TorFx€7,200.57Wise€7,193.58

7 000
7 050
7 100
7 150
7 200
7 250
At the mid-market rateWith the cheapest optionRegency FXTorFxWise
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0883 – €7,060.72
Regency FX Cheapest 0.0880 0,00 kr €7,041.66 −€19.06
TorFx 0.0880 0,00 kr €7,039.54 −€21.18
Wise 0.0883 325,99 kr €7,032.07 −€28.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0883 – €7,061.44
Regency FX Cheapest 0.0880 0,00 kr €7,042.37 −€19.07
TorFx 0.0880 0,00 kr €7,040.26 −€21.18
Wise 0.0883 325,99 kr €7,033.37 −€28.07
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0882 – €7,057.84
Regency FX Cheapest 0.0880 0,00 kr €7,038.78 −€19.06
TorFx 0.0880 0,00 kr €7,036.67 −€21.17
Wise 0.0882 325,99 kr €7,029.06 −€28.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0885 – €7,081.20
Regency FX Cheapest 0.0883 0,00 kr €7,062.08 −€19.12
TorFx 0.0882 0,00 kr €7,059.96 −€21.24
Wise 0.0885 325,99 kr €7,052.45 −€28.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0885 – €7,076.80
Regency FX Cheapest 0.0882 0,00 kr €7,057.69 −€19.11
TorFx 0.0882 0,00 kr €7,055.57 −€21.23
Wise 0.0885 325,99 kr €7,051.76 −€25.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0885 – €7,076.80
Regency FX Cheapest 0.0882 0,00 kr €7,057.69 −€19.11
TorFx 0.0882 0,00 kr €7,055.57 −€21.23
Wise 0.0885 325,99 kr €7,051.76 −€25.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0887 – €7,095.44
Regency FX Cheapest 0.0885 0,00 kr €7,076.28 −€19.16
TorFx 0.0884 0,00 kr €7,074.15 −€21.29
Wise 0.0887 325,99 kr €7,067.03 −€28.41
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0888 – €7,101.04
Regency FX Cheapest 0.0885 0,00 kr €7,081.87 −€19.17
TorFx 0.0885 0,00 kr €7,079.74 −€21.30
Wise 0.0888 325,99 kr €7,072.26 −€28.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0888 – €7,103.60
Regency FX Cheapest 0.0886 0,00 kr €7,084.42 −€19.18
TorFx 0.0885 0,00 kr €7,082.29 −€21.31
Wise 0.0888 325,99 kr €7,075.84 −€27.76
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 0.0892 325,99 kr €7,109.91 –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0895 – €7,158.08
Regency FX Cheapest 0.0892 0,00 kr €7,138.75 −€19.33
TorFx 0.0892 0,00 kr €7,136.61 −€21.47
Wise 0.0895 325,99 kr €7,128.32 −€29.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0893 – €7,140.64
Regency FX Cheapest 0.0890 0,00 kr €7,121.36 −€19.28
TorFx 0.0890 0,00 kr €7,119.22 −€21.42
Wise 0.0893 325,99 kr €7,114.51 −€26.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0893 – €7,140.64
Regency FX Cheapest 0.0890 0,00 kr €7,121.36 −€19.28
TorFx 0.0890 0,00 kr €7,119.22 −€21.42
Wise 0.0893 325,99 kr €7,114.51 −€26.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0893 – €7,142.40
Regency FX Cheapest 0.0890 0,00 kr €7,123.12 −€19.28
TorFx 0.0890 0,00 kr €7,120.97 −€21.43
Wise 0.0893 325,99 kr €7,112.07 −€30.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0893 – €7,144.48
Regency FX Cheapest 0.0891 0,00 kr €7,125.19 −€19.29
TorFx 0.0890 0,00 kr €7,123.05 −€21.43
Wise 0.0893 325,99 kr €7,115.62 −€28.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0897 – €7,176.16
Regency FX Cheapest 0.0895 0,00 kr €7,156.78 −€19.38
TorFx 0.0894 0,00 kr €7,154.63 −€21.53
Wise 0.0897 325,99 kr €7,147.35 −€28.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0893 – €7,145.52
Regency FX Cheapest 0.0891 0,00 kr €7,126.23 −€19.29
TorFx 0.0891 0,00 kr €7,124.08 −€21.44
Wise 0.0893 325,99 kr €7,116.80 −€28.72
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0897 – €7,177.60
Regency FX Cheapest 0.0895 0,00 kr €7,158.22 −€19.38
TorFx 0.0895 0,00 kr €7,156.07 −€21.53
Wise 0.0897 325,99 kr €7,148.41 −€29.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0898 – €7,182.16
Regency FX Cheapest 0.0895 0,00 kr €7,162.77 −€19.39
TorFx 0.0895 0,00 kr €7,160.61 −€21.55
Wise 0.0898 325,99 kr €7,153.99 −€28.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0898 – €7,182.16
Regency FX Cheapest 0.0895 0,00 kr €7,162.77 −€19.39
TorFx 0.0895 0,00 kr €7,160.61 −€21.55
Wise 0.0898 325,99 kr €7,153.99 −€28.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0899 – €7,189.04
Regency FX Cheapest 0.0896 0,00 kr €7,169.63 −€19.41
TorFx 0.0896 0,00 kr €7,167.47 −€21.57
Wise 0.0899 325,99 kr €7,161.90 −€27.14
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0900 – €7,198.00
Regency FX Cheapest 0.0897 0,00 kr €7,178.57 −€19.43
TorFx 0.0897 0,00 kr €7,176.41 −€21.59
Wise 0.0900 325,99 kr €7,168.57 −€29.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0899 – €7,195.20
Regency FX Cheapest 0.0897 0,00 kr €7,175.77 −€19.43
TorFx 0.0897 0,00 kr €7,173.61 −€21.59
Wise 0.0899 325,99 kr €7,165.51 −€29.69

No data was collected on Thu, 22 Oct 2026.

Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0899 – €7,195.68
Regency FX Cheapest 0.0897 0,00 kr €7,176.25 −€19.43
TorFx 0.0897 0,00 kr €7,174.09 −€21.59
Wise 0.0899 325,99 kr €7,166.57 −€29.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0899 – €7,190.40
Regency FX Cheapest 0.0896 0,00 kr €7,170.99 −€19.41
TorFx 0.0896 0,00 kr €7,168.83 −€21.57
Wise 0.0899 325,99 kr €7,162.38 −€28.02
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 0.0899 325,99 kr €7,162.38 –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0898 – €7,186.08
Regency FX Cheapest 0.0896 0,00 kr €7,166.68 −€19.40
TorFx 0.0896 0,00 kr €7,164.52 −€21.56
Wise 0.0898 325,99 kr €7,156.56 −€29.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0899 – €7,195.36
Regency FX Cheapest 0.0897 0,00 kr €7,175.93 −€19.43
TorFx 0.0897 0,00 kr €7,173.77 −€21.59
Wise 0.0900 325,99 kr €7,166.76 −€28.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0903 – €7,222.24
Regency FX Cheapest 0.0900 0,00 kr €7,202.74 −€19.50
TorFx 0.0900 0,00 kr €7,200.57 −€21.67
Wise 0.0903 325,99 kr €7,193.58 −€28.66

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send 80 000 kr, after fees, as quoted by each company. The mid-market line shows what 80 000 kr 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 EUR per SEK than the mid-market rate can offer.

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

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of EUR on every transfer from Sweden.

Right now, Regency FX pays 7,202.74 EUR on 80,000 SEK, which is 19.5 EUR less than the mid-market amount.

Today's payout is the highest in the past month.

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 Bulgaria.

We've tracked 92 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Regency FXAppeared in 27 comparisons

    Cheapest every time

  2. TorFxAppeared in 41 comparisons

    Cheapest in 34% of them

  3. WiseAppeared in 88 comparisons

    Cheapest in 33% of them

Based on 92 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 Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from Sweden to Bulgaria

7 companies send money from Sweden to Bulgaria, mostly through online, app, broker, global account, multi-currency account, and in person, and a few more ways.

Medium-sized transfers

Online transfers

For a one-off transfer to Bulgaria, an online service like Wise is usually the simplest place to start.

Wise charges kr325.99 to send 80,000 SEK, leaving your recipient with 7,193.58 EUR after a -0.02% markup on SEK/EUR exchange rate.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 days it quoted.

Regular SEK transfers

Money transfer apps

For smaller regular transfers, apps are the most convenient and easiest way to send money to Bulgaria.

Wise charges kr325.99 on a 80,000 SEK transfer and money will arrive in same day.

Over the past month, Wise was the cheapest app on 100% of the days it appeared for kr80,000 transfers.

Your recipient can withdraw via bank deposit, card deposit, and cash pickup.

In many cases you will need a BankID to verify your account, but a few will do with a passport or driver's licence.

Spending and travelling

Multi-currency accounts

A multi-currency account makes sense if you regularly need EUR.

You can convert your kronor in advance and use the balance when needed without extra fees.

Wise converts SEK 80,000 with a -0.02% exchange-rate markup and holds the EUR in your account.

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

Paying from business accounts

Global accounts

If your business receives and sends money in Bulgaria, a global account keeps the EUR in one place.

You can pay invoices from the balance and convert when needed.

WorldFirst and Airwallex are good options to try.

Ways to fund SEK and receive EUR in Bulgaria

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80,000 SEK gives your recipient 7,202.74 EUR.

From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, and in Bulgaria, the recipient can use bank deposit, card deposit, and cash pickup.

Paying from your Swedish bank account

Send SEK using the account and reference shown by the money transfer company.

You may need to use BankID to approve and verify the payment.

For cash pickup, they can collect EUR from a nearby MoneyGram agent in Bulgaria.

Swish is useful for payments within Sweden, but it does not send EUR to Bulgaria.

  1. 1
    Bank transfer Bank deposit

    You pay kr80,000.00

    €7,203

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay kr80,000.00

    €7,128

    -€75

  3. 3
    Credit card Bank deposit

    You pay kr80,000.00

    €7,128

    -€75

  4. 4
    Debit card Card deposit

    You pay kr81,200.00

    €6,896

    -€307

  5. 5
    Credit card Card deposit

    You pay kr81,200.00

    €6,896

    -€307

Show moreShow less
  1. 6
    Bank transfer Cash pickup

    You pay kr80,040.00

    €6,848

    -€355

  2. 7
    Debit card Cash pickup

    You pay kr80,040.00

    €6,848

    -€355

  3. 8
    Credit card Cash pickup

    You pay kr80,040.00

    €6,848

    -€355

Consider this before sending SEK to Bulgaria

Swedish banks are safe but often expensive for foreign payments. Compare money transfer companies available to get the most EUR from Sweden.

Compare SEK to EUR transfer options

Cheapest way to send money to Bulgaria

The cheapest option for an SEK 80,000 transfer is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 7,202.74 EUR, which is 0.03% more than the next best option.

Fastest way to send money to Bulgaria

With Revolut, a bank transfer deposit and bank deposit payout delivers 7,140.03 EUR in within minutes.

Swish only works in Sweden

Swish moves money between participating Swedish accounts, it cannot send SEK to Bulgaria.

You may still use a Swedish bank transfer to pay for the transfer online, but beyond that, the company will move SEK to Bulgaria over local rails or SWIFT.

Avoid delays

A bank can ask for the purpose and source of a large or unusual payment.

Property sales, inheritances and transfers between your own accounts are easier to clear when the documents match the description you gave the bank.

Tell your bank before a time-sensitive payment and keep the sale contract, estate document or account statement ready.

And do not split one large payment into many small ones, since it can trigger more questions.

Sweden does not charge gift tax

Sweden has no gift or inheritance tax, so sending a cash gift does not create a Swedish gift-tax return.

Bulgaria may have their own rules on receiving monetary gifts.

How we analyse the market

We track 7 companies sending SEK to Bulgaria, all registered with Finansinspektionen or passported in, with rates refreshed in real time on live searches.

The krona floats, so we compare on what actually arrives, alongside fees and the ways to pay and collect.

In the past 30 days alone, we analysed 92 comparisons across 5 amounts.

This page covers the cheapest and fastest options for SEK/EUR 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. More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.