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

From 7 companies analysed, Wise is the cheapest way to send money to Croatia, giving your recipient 7,045.16 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 September 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 = 0.0884 EUR 0.00% vs mid-market Recipient gets €7,045.16 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
325,99 kr1 SEK = 0.0884 EUR
€7,045.16You pay80 000,00 kr
Promoted

MoneyGram

Pay via Debit card
Fee 1 600,00 kr 1 SEK = 0.0868 EUR +1.85% vs mid-market Recipient gets €6,944.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
1 600,00 kr1 SEK = 0.0868 EUR
€6,944.00You pay81 600,00 kr
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
1 600,00 kr1 SEK = 0.0868 EUR
€6,944.00You pay81 600,00 kr

Run a live search

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

Wise

Pay via Bank transfer
Fee 325,99 kr 1 SEK = 0.0884 EUR 0.00% vs mid-market Recipient gets €7,045.16 Within minutes
CheapestFastestRecommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
325,99 kr1 SEK = 0.0884 EUR
€7,045.16You pay80 000,00 kr

Wise

Pay via Debit card
Fee 1 189,46 kr 1 SEK = 0.0884 EUR 0.00% vs mid-market Recipient gets €6,968.81 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
1 189,46 kr1 SEK = 0.0884 EUR
€6,968.81You pay80 000,00 kr

Wise

Pay via Credit card
Fee 1 352,18 kr 1 SEK = 0.0884 EUR 0.00% vs mid-market Recipient gets €6,954.42 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
1 352,18 kr1 SEK = 0.0884 EUR
€6,954.42You pay80 000,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee 1 600,00 kr 1 SEK = 0.0868 EUR +1.85% vs mid-market Recipient gets €6,944.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
1 600,00 kr1 SEK = 0.0868 EUR
€6,944.00You pay81 600,00 kr
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
1 600,00 kr1 SEK = 0.0868 EUR
€6,944.00You pay81 600,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee 1 600,00 kr 1 SEK = 0.0868 EUR +1.85% vs mid-market Recipient gets €6,944.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
1 600,00 kr1 SEK = 0.0868 EUR
€6,944.00You pay81 600,00 kr
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
1 600,00 kr1 SEK = 0.0868 EUR
€6,944.00You pay81 600,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee 1 600,00 kr 1 SEK = 0.0868 EUR +1.85% vs mid-market Recipient gets €6,944.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
1 600,00 kr1 SEK = 0.0868 EUR
€6,944.00You pay81 600,00 kr

Moneycorp

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.0867 EUR +2.00% vs mid-market Recipient gets €6,932.36 Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 SEK = 0.0867 EUR
€6,932.36You pay80 000,00 kr

Western Union

Pay via Debit card
Fee 0,00 kr 1 SEK = 0.0866 EUR +2.08% vs mid-market Recipient gets €6,930.58 Minutes - 2 days
Receive to bank account or cash pickup

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 SEK = 0.0866 EUR
€6,930.58You pay80 000,00 kr

Western Union

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.0866 EUR +2.08% vs mid-market Recipient gets €6,930.58 Minutes - 2 days
Receive to bank account or cash pickup

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 SEK = 0.0866 EUR
€6,930.58You pay80 000,00 kr

Ria Money Transfer

Pay via Credit card
Fee 59,00 kr 1 SEK = 0.0866 EUR +2.08% vs mid-market Recipient gets €6,922.89 Minutes - 24 hours

Ways to receive money in Croatia with Ria Money Transfer when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
59,00 kr1 SEK = 0.0866 EUR
€6,922.89You pay80 000,00 kr
Mobile walletMinutes - 24 hours
59,00 kr1 SEK = 0.0862 EUR
€6,890.91You pay80 000,00 kr

Ria Money Transfer

Pay via Debit card
Fee 59,00 kr 1 SEK = 0.0866 EUR +2.08% vs mid-market Recipient gets €6,922.89 Minutes - 24 hours

Ways to receive money in Croatia with Ria Money Transfer when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
59,00 kr1 SEK = 0.0866 EUR
€6,922.89You pay80 000,00 kr
Mobile walletMinutes - 24 hours
59,00 kr1 SEK = 0.0862 EUR
€6,890.91You pay80 000,00 kr

Paysend

Pay via Debit card
Fee 0,00 kr 1 SEK = 0.0865 EUR +2.20% vs mid-market Recipient gets €6,918.74 Minutes - 24 hours

Ways to receive money in Croatia with Paysend when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0865 EUR
€6,918.74You pay80 000,00 kr

Paysend

Pay via Credit card
Fee 0,00 kr 1 SEK = 0.0865 EUR +2.20% vs mid-market Recipient gets €6,918.74 Minutes - 24 hours

Ways to receive money in Croatia with Paysend when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0865 EUR
€6,918.74You pay80 000,00 kr

Remitly

Pay via Debit card
Fee 0,00 kr 1 SEK = 0.0846 EUR +4.42% vs mid-market Recipient gets €6,764.00 Minutes - 3 days
Receive to bank account or cash pickup

Ways to receive money in Croatia with Remitly when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 SEK = 0.0846 EUR
€6,764.00You pay80 000,00 kr

Remitly

Pay via Credit card
Fee 0,00 kr 1 SEK = 0.0846 EUR +4.42% vs mid-market Recipient gets €6,764.00 Minutes - 3 days
Receive to bank account or cash pickup

Ways to receive money in Croatia with Remitly when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 SEK = 0.0846 EUR
€6,764.00You pay80 000,00 kr
How Our Results Work
Mid-market rate: 1 SEK = 0.0884 EUR Updates every 60 minutes.

How to send money from Sweden to Croatia

Pick a company

For a one-off transfer to Croatia, I suggest picking the cheapest option which is Wise.

On a 80,000 SEK transfer, Wise 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 debit card, credit card, and bank transfer.

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

Verify and send

Before you can send money to Croatia, 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 Croatia

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

Medium-sized transfers

Online transfers

For a one-off transfer to Croatia, 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 7,045.16 after a 0.03% markup on SEK/EUR exchange rate.

Regular SEK transfers

Money transfer apps

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

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

You 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 drivers 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 0.03% exchange-rate markup and holds the EUR in your account.

Paying from business accounts

Global accounts

If your business receives and sends money in Croatia, 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 Croatia

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80,000 SEK gives your recipient 7,045.16 EUR.

From Sweden, you can fund the transfer by debit card, credit card, and bank transfer, and in Croatia, 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 EUR to Croatia.

  1. 1
    Bank transfer Bank deposit

    You pay kr80,000.00

    €7,045

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay kr80,000.00

    €6,969

    -€76

  3. 3
    Credit card Bank deposit

    You pay kr80,000.00

    €6,954

    -€91

  4. 4
    Debit card Card deposit

    You pay kr81,600.00

    €6,944

    -€101

  5. 5
    Credit card Card deposit

    You pay kr81,600.00

    €6,944

    -€101

Show moreShow less
  1. 6
    Debit card Mobile wallet

    You pay kr80,000.00

    €6,891

    -€154

  2. 7
    Credit card Mobile wallet

    You pay kr80,000.00

    €6,891

    -€154

Consider this before sending SEK to Croatia

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

Compare SEK to EUR transfer options

Cheapest way to send money to Croatia

The cheapest option for EUR 7,045.16 is Wise. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 7,045.16 EUR, which is 1.44% more than the next best option.

Fastest way to send money to Croatia

With Wise, a bank transfer deposit and bank deposit payout delivers 7,045.16 EUR in same day.

Swish only works in Sweden

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

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

Croatia may have their own rules on receiving monetary gifts.

Live SEK-EUR Exchange Rate

Get a better SEK to EUR exchange rate

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

Mid-market rate:1 SEK = 0.088301 EUR

How we analyse the market

We track 7 companies sending SEK to Croatia, 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.