How to send money to Costa Rica from Sweden with the best SEK-CRC rate

From 5 companies analysed, Regency FX is the cheapest way to send money to Costa Rica, giving your recipient 3,658,835.52 CRC when you send SEK 80,000.

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

Best companies for SEK/CRC transfers

5 of 5 providers

Last updated on 26 September 2026

Based on 80,000 SEK transfer

Best companies for SEK/CRC transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 1 190,21 kr 1 SEK = 45.5498 CRC +0.68% vs mid-market Recipient gets 3 589 770,17 ₡ Within a week
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:Bank Transfer
1 190,21 kr1 SEK = 45.5498 CRC
3 589 770,17 ₡You pay80 000,00 kr
Promoted

Xe

Pay via Debit card
Fee 0,00 kr 1 SEK = 44.0908 CRC +3.93% vs mid-market Recipient gets 3 527 264,00 ₡ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 44.0908 CRC
3 527 264,00 ₡You pay80 000,00 kr

Run a live search

Showing top Sweden to Costa Rica deals for 80,000 SEK. Do a live search with your exact amount for today's best rates.
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 45.7354 CRC +0.27% vs mid-market Recipient gets 3 658 835,52 ₡ Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 45.7354 CRC
3 658 835,52 ₡You pay80 000,00 kr

Wise

Pay via Bank transfer
Fee 1 190,21 kr 1 SEK = 45.5498 CRC +0.68% vs mid-market Recipient gets 3 589 770,17 ₡ Within a week
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:Bank Transfer
1 190,21 kr1 SEK = 45.5498 CRC
3 589 770,17 ₡You pay80 000,00 kr

Wise

Pay via Debit card
Fee 2 035,72 kr 1 SEK = 45.5498 CRC +0.68% vs mid-market Recipient gets 3 551 257,36 ₡ Within a week
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:Bank Transfer
2 035,72 kr1 SEK = 45.5498 CRC
3 551 257,36 ₡You pay80 000,00 kr

Wise

Pay via Credit card
Fee 2 195,08 kr 1 SEK = 45.5498 CRC +0.68% vs mid-market Recipient gets 3 543 998,55 ₡ Within a week
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:Bank Transfer
2 195,08 kr1 SEK = 45.5498 CRC
3 543 998,55 ₡You pay80 000,00 kr
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 1 620,00 kr 1 SEK = 45.0602 CRC +1.76% vs mid-market Recipient gets 3 531 819,92 ₡ Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
1 620,00 kr1 SEK = 45.0602 CRC
3 531 819,92 ₡You 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 800,00 kr 1 SEK = 44.1052 CRC +3.90% vs mid-market Recipient gets 3 528 416,00 ₡ Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
800,00 kr1 SEK = 44.1052 CRC
3 528 416,00 ₡You pay80 800,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee 800,00 kr 1 SEK = 44.1052 CRC +3.90% vs mid-market Recipient gets 3 528 416,00 ₡ Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
800,00 kr1 SEK = 44.1052 CRC
3 528 416,00 ₡You pay80 800,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee 800,00 kr 1 SEK = 44.1052 CRC +3.90% vs mid-market Recipient gets 3 528 416,00 ₡ Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
800,00 kr1 SEK = 44.1052 CRC
3 528 416,00 ₡You pay80 800,00 kr

Xe

Pay via Debit card
Fee 0,00 kr 1 SEK = 44.0908 CRC +3.93% vs mid-market Recipient gets 3 527 264,00 ₡ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 44.0908 CRC
3 527 264,00 ₡You pay80 000,00 kr

Xe

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 44.0908 CRC +3.93% vs mid-market Recipient gets 3 527 264,00 ₡ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 44.0908 CRC
3 527 264,00 ₡You pay80 000,00 kr

Xe

Pay via Credit card
Fee 0,00 kr 1 SEK = 44.0908 CRC +3.93% vs mid-market Recipient gets 3 527 264,00 ₡ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 44.0908 CRC
3 527 264,00 ₡You pay80 000,00 kr
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee 3 340,00 kr 1 SEK = 45.0602 CRC +1.76% vs mid-market Recipient gets 3 454 316,34 ₡ Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
3 340,00 kr1 SEK = 45.0602 CRC
3 454 316,34 ₡You 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.

How Our Results Work
Mid-market rate: 1 SEK = 45.8593 CRC Updates every 60 minutes.

How to send money from Sweden to Costa Rica

Pick a company

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

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

The best option will change depending on how much you actually send, so I suggest to get the best SEK/CRC 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 Costa Rica, 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 its less common).

Ways to send money from Sweden to Costa Rica

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

Medium-sized transfers

Online transfers

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

Wise charges kr1190.21 to send 80,000 SEK, leaving your recipient with 3,589,770.17 after a 0.68% markup on SEK/CRC exchange rate.

Regular SEK transfers

Money transfer apps

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

Wise charges kr1190.21 on a 80,000 SEK transfer and money will arrive in within a week.

You recipient can withdraw via bank deposit.

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

Spending and travelling

Multi-currency accounts

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

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

Wise converts SEK 80,000 with a 0.68% exchange-rate markup and holds the CRC in your account.

Paying from business accounts

Global accounts

If your business receives and sends money in Costa Rica, a global account keeps the CRC 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 CRC in Costa Rica

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80,000 SEK gives your recipient 3,658,835.52 CRC.

From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, and in Costa Rica, the recipient can use bank deposit.

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 CRC to Costa Rica.

  1. 1
    Bank transfer Bank deposit

    You pay kr80,000.00

    ₡3,658,836

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay kr80,000.00

    ₡3,551,257

    -₡107,578

  3. 3
    Credit card Bank deposit

    You pay kr80,000.00

    ₡3,543,999

    -₡114,837

Consider this before sending SEK to Costa Rica

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

Compare SEK to CRC transfer options

Cheapest way to send money to Costa Rica

The cheapest option for CRC 3,658,835.52 is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 3,658,835.52 CRC, which is 1.89% more than the next best option.

Fastest way to send money to Costa Rica

With Revolut, a bank transfer deposit and bank deposit payout delivers 3,531,819.92 CRC in within minutes.

Swish only works in Sweden

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

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

Costa Rica may have their own rules on receiving monetary gifts.

Live SEK-CRC Exchange Rate

Get a better SEK to CRC exchange rate

The final rate controls how much CRC you get for your SEK, so compare it alongside the transfer fee.

Mid-market rate:1 SEK = 45.859264 CRC

How we analyse the market

We track 5 companies sending SEK to Costa Rica, 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.

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.