How to send money to China from Sweden with the best SEK-CNY rate

From 7 companies analysed, Regency FX is the cheapest way to send money to China, giving your recipient 40 762,90 CNY when you send SEK 60 000.

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

Best companies for SEK/CNY transfers

7 of 7 providers

Last updated on 10 November 2026

Based on 60,000 SEK transfer

Best companies for SEK/CNY transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 602,62 kr 1 SEK = 0.6809 CNY +0.05% vs mid-market Recipient gets 40 444,21 ¥ Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
602,62 kr1 SEK = 0.6809 CNY
40 444,21 ¥You pay60 000,00 kr
Promoted

TorFx

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.6792 CNY +0.30% vs mid-market Recipient gets 40 750,64 ¥ Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.6792 CNY
40 750,64 ¥You pay60 000,00 kr

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Showing top Sweden to China deals for 60,000 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 = 0.6794 CNY +0.27% vs mid-market Recipient gets 40 762,90 ¥ Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.6794 CNY
40 762,90 ¥You pay60 000,00 kr

TorFx

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.6792 CNY +0.30% vs mid-market Recipient gets 40 750,64 ¥ Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.6792 CNY
40 750,64 ¥You pay60 000,00 kr

Wise

Pay via Bank transfer
Fee 602,62 kr 1 SEK = 0.6809 CNY +0.05% vs mid-market Recipient gets 40 444,21 ¥ Within minutes
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
602,62 kr1 SEK = 0.6809 CNY
40 444,21 ¥You pay60 000,00 kr

Moneycorp

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.6717 CNY +1.40% vs mid-market Recipient gets 40 301,03 ¥ Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 SEK = 0.6717 CNY
40 301,03 ¥You pay60 000,00 kr

Western Union

Pay via Debit card
Fee 0,00 kr 1 SEK = 0.6687 CNY +1.86% vs mid-market Recipient gets 40 120,34 ¥ Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in China with Western Union when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 SEK = 0.6687 CNY
40 120,34 ¥You pay60 000,00 kr

Western Union

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.6687 CNY +1.86% vs mid-market Recipient gets 40 120,34 ¥ Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in China with Western Union when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 SEK = 0.6687 CNY
40 120,34 ¥You pay60 000,00 kr

Wise

Pay via Debit card
Fee 1 242,81 kr 1 SEK = 0.6809 CNY +0.05% vs mid-market Recipient gets 40 008,30 ¥ Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
1 242,81 kr1 SEK = 0.6809 CNY
40 008,30 ¥You pay60 000,00 kr

Wise

Pay via Credit card
Fee 1 363,47 kr 1 SEK = 0.6809 CNY +0.05% vs mid-market Recipient gets 39 926,14 ¥ Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
1 363,47 kr1 SEK = 0.6809 CNY
39 926,14 ¥You pay60 000,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee 30,00 kr 1 SEK = 0.6641 CNY +2.55% vs mid-market Recipient gets 39 846,00 ¥ Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hoursAvailable via:UnionPay Cards
30,00 kr1 SEK = 0.6641 CNY
39 846,00 ¥You pay60 030,00 kr
Mobile walletMinutes - 24 hoursAvailable via:WeChat
Free1 SEK = 0.6187 CNY
37 122,00 ¥You pay60 000,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee 30,00 kr 1 SEK = 0.6641 CNY +2.55% vs mid-market Recipient gets 39 846,00 ¥ Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hoursAvailable via:UnionPay Cards
30,00 kr1 SEK = 0.6641 CNY
39 846,00 ¥You pay60 030,00 kr
Mobile walletMinutes - 24 hoursAvailable via:WeChat
Free1 SEK = 0.6187 CNY
37 122,00 ¥You pay60 000,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee 30,00 kr 1 SEK = 0.6641 CNY +2.55% vs mid-market Recipient gets 39 846,00 ¥ Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hoursAvailable via:UnionPay Cards
30,00 kr1 SEK = 0.6641 CNY
39 846,00 ¥You pay60 030,00 kr
Mobile walletMinutes - 24 hoursAvailable via:WeChat
Free1 SEK = 0.6187 CNY
37 122,00 ¥You pay60 000,00 kr

TapTap Send

Pay via Debit card
Fee 0,00 kr 1 SEK = 0.6600 CNY +3.16% vs mid-market Recipient gets 39 600,00 ¥ Minutes
Fastest
Receive to bank account

Ways to receive money in China with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Mobile walletMinutesAvailable via:Alipay, WeChat/Weixin
Free1 SEK = 0.6600 CNY
39 600,00 ¥You pay60 000,00 kr
Card depositMinutesAvailable via:Bank China, UnionPay
Free1 SEK = 0.6600 CNY
39 600,00 ¥You pay60 000,00 kr
Bank depositMinutesAvailable via:Banks (DEPRECATED)
Free1 SEK = 0.6600 CNY
39 600,00 ¥You pay60 000,00 kr
How Our Results Work
Mid-market rate: 1 SEK = 0.6812 CNY Updates every 60 minutes.

How to send money from Sweden to China

Pick a company

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

Regency FX was the cheapest on 29 of the 29 days it quoted kr60 000 transfers to China.

On a 60 000 SEK transfer, Regency FX delivers the most CNY.

The best option will change depending on how much you actually send, so I suggest to get the best SEK/CNY 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 China, 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 China?

How much SEK you send to China 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 kr0.77%0,00 kr3 385,71 ¥with debit card to bank deposit+47,41 ¥
10 000 kr1.02%0,00 kr6 747,00 ¥with debit card to bank deposit+53,40 ¥
25 000 kr0.05%269,78 kr16 866,13 ¥with bank transfer to bank deposit+176,05 ¥
50 000 kr0.30%0,00 kr33 972,53 ¥with bank transfer to bank deposit+571,60 ¥
60 000 krThis page0.27%0,00 kr40 762,90 ¥with bank transfer to bank deposit+631,91 ¥
80 000 kr0.27%0,00 kr54 383,65 ¥with bank transfer to bank deposit+854,74 ¥

Mid-market rate: 1 SEK = 0.6812 CNY

SEK/CNY Exchange Rate History

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

The cheapest way to send SEK to CNY 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 60 000 SEK transfers to China.

CNY received for 60 000 kr, after fees

Tue, 10 Nov 2026Mid-market rate40 873,26 ¥ Regency FX 40 762,90 ¥Regency FX40 762,90 ¥TorFx40 750,64 ¥Wise40 444,21 ¥

39 500
40 000
40 500
41 000
41 500
At the mid-market rateWith the cheapest optionRegency FXTorFxWise
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6693 – 40 158,00 ¥
Regency FX Cheapest 0.6675 0,00 kr 40 049,57 ¥ −108,43 ¥
TorFx 0.6673 0,00 kr 40 037,53 ¥ −120,47 ¥
Wise 0.6694 603,08 kr 39 762,08 ¥ −395,92 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6682 – 40 093,74 ¥
TorFx Cheapest 0.6662 0,00 kr 39 973,46 ¥ −120,28 ¥
Wise 0.6685 603,12 kr 39 709,31 ¥ −384,43 ¥
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6725 – 40 349,64 ¥
Regency FX Cheapest 0.6707 0,00 kr 40 240,70 ¥ −108,94 ¥
TorFx 0.6705 0,00 kr 40 228,59 ¥ −121,05 ¥
Wise 0.6728 602,94 kr 39 963,00 ¥ −386,64 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6711 – 40 267,32 ¥
Regency FX Cheapest 0.6693 0,00 kr 40 158,60 ¥ −108,72 ¥
TorFx 0.6691 0,00 kr 40 146,52 ¥ −120,80 ¥
Wise 0.6712 603,01 kr 39 867,68 ¥ −399,64 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6734 – 40 405,62 ¥
Regency FX Cheapest 0.6716 0,00 kr 40 296,52 ¥ −109,10 ¥
TorFx 0.6714 0,00 kr 40 284,40 ¥ −121,22 ¥
Wise 0.6734 602,92 kr 39 995,32 ¥ −410,30 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6750 – 40 501,98 ¥
Regency FX Cheapest 0.6732 0,00 kr 40 392,62 ¥ −109,36 ¥
TorFx 0.6730 0,00 kr 40 380,47 ¥ −121,51 ¥
Wise 0.6747 602,87 kr 40 077,86 ¥ −424,12 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6750 – 40 501,98 ¥
Regency FX Cheapest 0.6732 0,00 kr 40 392,62 ¥ −109,36 ¥
TorFx 0.6730 0,00 kr 40 380,47 ¥ −121,51 ¥
Wise 0.6747 602,87 kr 40 077,86 ¥ −424,12 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6751 – 40 508,46 ¥
Regency FX Cheapest 0.6733 0,00 kr 40 399,09 ¥ −109,37 ¥
TorFx 0.6731 0,00 kr 40 386,93 ¥ −121,53 ¥
Wise 0.6742 602,89 kr 40 043,22 ¥ −465,24 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6743 – 40 459,44 ¥
Regency FX Cheapest 0.6725 0,00 kr 40 350,20 ¥ −109,24 ¥
TorFx 0.6723 0,00 kr 40 338,06 ¥ −121,38 ¥
Wise 0.6744 602,88 kr 40 057,66 ¥ −401,78 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6736 – 40 414,50 ¥
Regency FX Cheapest 0.6718 0,00 kr 40 305,38 ¥ −109,12 ¥
TorFx 0.6716 0,00 kr 40 293,26 ¥ −121,24 ¥
Wise 0.6737 602,91 kr 40 016,06 ¥ −398,44 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6755 – 40 532,04 ¥
Regency FX Cheapest 0.6737 0,00 kr 40 422,60 ¥ −109,44 ¥
TorFx 0.6735 0,00 kr 40 410,44 ¥ −121,60 ¥
Wise 0.6752 602,85 kr 40 106,92 ¥ −425,12 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6734 – 40 404,90 ¥
Regency FX Cheapest 0.6716 0,00 kr 40 295,81 ¥ −109,09 ¥
TorFx 0.6714 0,00 kr 40 283,69 ¥ −121,21 ¥
Wise 0.6729 602,94 kr 39 968,34 ¥ −436,56 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6724 – 40 343,40 ¥
Regency FX Cheapest 0.6706 0,00 kr 40 234,47 ¥ −108,93 ¥
TorFx 0.6704 0,00 kr 40 222,37 ¥ −121,03 ¥
Wise 0.6718 602,99 kr 39 901,25 ¥ −442,15 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6724 – 40 343,40 ¥
Regency FX Cheapest 0.6706 0,00 kr 40 234,47 ¥ −108,93 ¥
TorFx 0.6704 0,00 kr 40 222,37 ¥ −121,03 ¥
Wise 0.6718 602,99 kr 39 901,25 ¥ −442,15 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6724 – 40 343,82 ¥
Regency FX Cheapest 0.6706 0,00 kr 40 234,89 ¥ −108,93 ¥
TorFx 0.6704 0,00 kr 40 222,79 ¥ −121,03 ¥
Wise 0.6714 603,00 kr 39 882,00 ¥ −461,82 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6700 – 40 198,26 ¥
Regency FX Cheapest 0.6682 0,00 kr 40 089,72 ¥ −108,54 ¥
TorFx 0.6680 0,00 kr 40 077,67 ¥ −120,59 ¥
Wise 0.6700 603,06 kr 39 797,97 ¥ −400,29 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6697 – 40 180,38 ¥
Regency FX Cheapest 0.6679 0,00 kr 40 071,89 ¥ −108,49 ¥
TorFx 0.6677 0,00 kr 40 059,84 ¥ −120,54 ¥
Wise 0.6696 603,08 kr 39 774,73 ¥ −405,65 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6721 – 40 324,92 ¥
Regency FX Cheapest 0.6703 0,00 kr 40 216,04 ¥ −108,88 ¥
TorFx 0.6701 0,00 kr 40 203,95 ¥ −120,97 ¥
Wise 0.6717 602,99 kr 39 897,57 ¥ −427,35 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6777 – 40 663,08 ¥
Regency FX Cheapest 0.6759 0,00 kr 40 553,29 ¥ −109,79 ¥
TorFx 0.6757 0,00 kr 40 541,09 ¥ −121,99 ¥
Wise 0.6777 602,75 kr 40 252,45 ¥ −410,63 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6779 – 40 673,52 ¥
Regency FX Cheapest 0.6761 0,00 kr 40 563,70 ¥ −109,82 ¥
TorFx 0.6759 0,00 kr 40 551,50 ¥ −122,02 ¥
Wise 0.6773 602,76 kr 40 230,52 ¥ −443,00 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6779 – 40 673,52 ¥
Regency FX Cheapest 0.6761 0,00 kr 40 563,70 ¥ −109,82 ¥
TorFx 0.6759 0,00 kr 40 551,50 ¥ −122,02 ¥
Wise 0.6773 602,76 kr 40 230,52 ¥ −443,00 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6797 – 40 783,86 ¥
Regency FX Cheapest 0.6779 0,00 kr 40 673,74 ¥ −110,12 ¥
TorFx 0.6777 0,00 kr 40 661,51 ¥ −122,35 ¥
Wise 0.6783 602,72 kr 40 287,99 ¥ −495,87 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6796 – 40 774,26 ¥
Regency FX Cheapest 0.6777 0,00 kr 40 664,17 ¥ −110,09 ¥
TorFx 0.6775 0,00 kr 40 651,94 ¥ −122,32 ¥
Wise 0.6820 602,57 kr 40 509,28 ¥ −264,98 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6848 – 41 086,32 ¥
Regency FX Cheapest 0.6829 0,00 kr 40 975,39 ¥ −110,93 ¥
TorFx 0.6827 0,00 kr 40 963,06 ¥ −123,26 ¥
Wise 0.6848 602,47 kr 40 674,66 ¥ −411,66 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6873 – 41 237,34 ¥
Regency FX Cheapest 0.6854 0,00 kr 41 126,00 ¥ −111,34 ¥
TorFx 0.6852 0,00 kr 41 113,63 ¥ −123,71 ¥
Wise 0.6874 602,37 kr 40 827,79 ¥ −409,55 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6797 – 40 781,40 ¥
Regency FX Cheapest 0.6779 0,00 kr 40 671,29 ¥ −110,11 ¥
TorFx 0.6777 0,00 kr 40 659,06 ¥ −122,34 ¥
Wise 0.6777 602,74 kr 40 255,66 ¥ −525,74 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6748 – 40 486,14 ¥
Regency FX Cheapest 0.6729 0,00 kr 40 376,83 ¥ −109,31 ¥
TorFx 0.6727 0,00 kr 40 364,68 ¥ −121,46 ¥
Wise 0.6742 602,89 kr 40 046,66 ¥ −439,48 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6748 – 40 486,14 ¥
Regency FX Cheapest 0.6729 0,00 kr 40 376,83 ¥ −109,31 ¥
TorFx 0.6727 0,00 kr 40 364,68 ¥ −121,46 ¥
Wise 0.6742 602,89 kr 40 046,66 ¥ −439,48 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6764 – 40 585,56 ¥
Regency FX Cheapest 0.6746 0,00 kr 40 475,98 ¥ −109,58 ¥
TorFx 0.6744 0,00 kr 40 463,80 ¥ −121,76 ¥
Wise 0.6763 602,80 kr 40 170,80 ¥ −414,76 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.6812 – 40 873,26 ¥
Regency FX Cheapest 0.6794 0,00 kr 40 762,90 ¥ −110,36 ¥
TorFx 0.6792 0,00 kr 40 750,64 ¥ −122,62 ¥
Wise 0.6809 602,62 kr 40 444,21 ¥ −429,05 ¥

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send 60 000 kr, after fees, as quoted by each company. The mid-market line shows what 60 000 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 CNY 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 CNY on every transfer from Sweden.

Right now, Regency FX pays 40 762,90 CNY on 60 000 SEK, which is 110,36 CNY less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 41 126 CNY.

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.

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 China.

We've tracked 175 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

  1. Regency FXAppeared in 56 comparisons

    Cheapest every time

  2. TorFxAppeared in 83 comparisons

    Cheapest in 33% of them

  3. WiseAppeared in 143 comparisons

    Cheapest in 8% of them

Based on 175 comparisons across 6 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 China

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

Medium-sized transfers

Online transfers

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

Wise charges kr602,62 to send 60 000 SEK, leaving your recipient with 40 444,21 CNY after a 0,05% markup on SEK/CNY exchange rate.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 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 China.

Wise charges kr602,62 on a 60 000 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 kr60 000 transfers.

Your recipient can withdraw via bank deposit, card deposit, and mobile wallet.

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 CNY.

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

Wise converts SEK 60 000 with a 0,05% exchange-rate markup and holds the CNY 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 China, a global account keeps the CNY 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 CNY in China

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 60 000 SEK gives your recipient 40 762,90 CNY.

From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, and in China, the recipient can use bank deposit, card deposit, and mobile wallet.

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.

Swish is useful for payments within Sweden, but it does not send CNY to China.

  1. 1
    Bank transfer Bank deposit

    You pay kr60,000.00

    元40,763

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay kr60,000.00

    元40,120

    -元643

  3. 3
    Credit card Bank deposit

    You pay kr60,000.00

    元39,926

    -元837

  4. 4
    Bank transfer Card deposit

    You pay kr60,030.00

    元39,846

    -元917

  5. 5
    Debit card Card deposit

    You pay kr60,030.00

    元39,846

    -元917

Show moreShow less
  1. 6
    Credit card Card deposit

    You pay kr60,030.00

    元39,846

    -元917

  2. 7
    Debit card Mobile wallet

    You pay kr60,000.00

    元39,600

    -元1,163

  3. 8
    Bank transfer Mobile wallet

    You pay kr60,000.00

    元37,122

    -元3,641

  4. 9
    Credit card Mobile wallet

    You pay kr60,000.00

    元37,122

    -元3,641

Consider this before sending SEK to China

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

Compare SEK to CNY transfer options

Cheapest way to send money to China

The cheapest option for an SEK 60 000 transfer is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 40 762,90 CNY, which is 0,03% more than the next best option.

Fastest way to send money to China

With TapTap Send, a debit card deposit and mobile wallet payout delivers 39 600 CNY in minutes.

Swish only works in Sweden

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

You may still use a Swedish bank transfer to pay for the transfer online, but beyond that, the company will move SEK to China 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.

China may have their own rules on receiving monetary gifts.

How we analyse the market

We track 7 companies sending SEK to China, 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 175 comparisons across 6 amounts.

This page covers the cheapest and fastest options for SEK/CNY 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.