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

From 10 companies analysed, Key Currency is the cheapest way to send money to Finland, giving your recipient 7 260,44 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

10 of 10 providers

Last updated on 10 November 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 = 0.0910 EUR 0.00% vs mid-market Recipient gets €7,249.28 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
325,99 kr1 SEK = 0.0910 EUR
€7,249.28You pay80 000,00 kr
Promoted

Xe

Pay via Debit card
Fee 0,00 kr 1 SEK = 0.0898 EUR +1.31% vs mid-market Recipient gets €7,184.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0898 EUR
€7,184.00You pay80 000,00 kr

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Showing top Sweden to Finland deals for 80,000 SEK. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.0908 EUR +0.25% vs mid-market Recipient gets €7,260.44 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

Ways to receive money in Finland with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 SEK = 0.0908 EUR
€7,260.44You pay80 000,00 kr
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.0907 EUR +0.27% vs mid-market Recipient gets €7,258.99 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0907 EUR
€7,258.99You pay80 000,00 kr

TorFx

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.0907 EUR +0.30% vs mid-market Recipient gets €7,256.80 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0907 EUR
€7,256.80You pay80 000,00 kr

Wise

Pay via Bank transfer
Fee 325,99 kr 1 SEK = 0.0910 EUR 0.00% vs mid-market Recipient gets €7,249.28 Within minutes
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
325,99 kr1 SEK = 0.0910 EUR
€7,249.28You pay80 000,00 kr

Currencies Direct

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.0906 EUR +0.48% vs mid-market Recipient gets €7,244.00 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

Ways to receive money in Finland with Currencies Direct when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0906 EUR
€7,244.00You pay80 000,00 kr

CurrencyFair

Pay via Bank transfer
Fee 32,97 kr 1 SEK = 0.0905 EUR +0.51% vs mid-market Recipient gets €7,238.60 Minutes - 24 hours
Receive to bank account

Ways to receive money in Finland with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
32,97 kr1 SEK = 0.0905 EUR
€7,238.60You pay80 000,00 kr
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 700,00 kr 1 SEK = 0.0907 EUR +0.26% vs mid-market Recipient gets €7,196.32 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
700,00 kr1 SEK = 0.0907 EUR
€7,196.32You 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 = 0.0898 EUR +1.31% vs mid-market Recipient gets €7,184.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0898 EUR
€7,184.00You pay80 000,00 kr

Xe

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.0898 EUR +1.31% vs mid-market Recipient gets €7,184.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0898 EUR
€7,184.00You pay80 000,00 kr

Xe

Pay via Credit card
Fee 0,00 kr 1 SEK = 0.0898 EUR +1.31% vs mid-market Recipient gets €7,184.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.0898 EUR
€7,184.00You pay80 000,00 kr

Moneycorp

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.0897 EUR +1.40% vs mid-market Recipient gets €7,176.74 Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 SEK = 0.0897 EUR
€7,176.74You pay80 000,00 kr

Wise

Pay via Debit card
Fee 1 189,46 kr 1 SEK = 0.0910 EUR 0.00% vs mid-market Recipient gets €7,170.72 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
1 189,46 kr1 SEK = 0.0910 EUR
€7,170.72You pay80 000,00 kr

Wise

Pay via Credit card
Fee 1 352,18 kr 1 SEK = 0.0910 EUR 0.00% vs mid-market Recipient gets €7,155.91 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
1 352,18 kr1 SEK = 0.0910 EUR
€7,155.91You pay80 000,00 kr
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee 1 260,00 kr 1 SEK = 0.0907 EUR +0.26% vs mid-market Recipient gets €7,145.50 Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
1 260,00 kr1 SEK = 0.0907 EUR
€7,145.50You 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 = 0.0891 EUR +2.09% vs mid-market Recipient gets €7,128.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
30,00 kr1 SEK = 0.0891 EUR
€7,128.00You pay80 030,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee 30,00 kr 1 SEK = 0.0891 EUR +2.09% vs mid-market Recipient gets €7,128.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
30,00 kr1 SEK = 0.0891 EUR
€7,128.00You pay80 030,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee 30,00 kr 1 SEK = 0.0891 EUR +2.09% vs mid-market Recipient gets €7,128.00 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
30,00 kr1 SEK = 0.0891 EUR
€7,128.00You pay80 030,00 kr
How Our Results Work
Mid-market rate: 1 SEK = 0.0910 EUR Updates every 60 minutes.

How to send money from Sweden to Finland

Pick a company

For a one-off SEK transfer to Finland, I suggest picking the cheapest option which is Key Currency.

Key Currency was the cheapest on 25 of the 26 days it quoted kr80 000 transfers to Finland.

On a 80 000 SEK transfer, Key Currency 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 Finland, 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 Finland?

How much SEK you send to Finland 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 Key Currency was the cheapest in 96% of the transfers from SEK 50,000 it quoted, and in 96% of all the transfers it quoted.

Cheapest service
5 000 kr0.43%0,00 kr€453.13with bank transfer to bank deposit+€5.33
10 000 kr0.28%0,00 kr€907.17with bank transfer to bank deposit+€10.89
25 000 kr0.02%106,88 kr€2,265.24with bank transfer to bank deposit+€24.21
50 000 kr0.30%0,00 kr€4,534.21with bank transfer to bank deposit+€48.58
80 000 krThis page0.25%0,00 kr€7,260.44with bank transfer to bank deposit+€66.95

Mid-market rate: 1 SEK = 0.0910 EUR

SEK/EUR Exchange Rate History

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

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 Key Currency), across 30 days of comparisons for 80 000 SEK transfers to Finland.

EUR received for 80 000 kr, after fees

Tue, 10 Nov 2026Mid-market rate€7,278.64 Key Currency €7,260.44Key Currency€7,260.44Regency FX€7,258.99TorFx€7,256.80

7 100
7 150
7 200
7 250
7 300
7 350
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0893 – €7,142.40
Key Currency Cheapest 0.0891 0,00 kr €7,124.54 −€17.86
Regency FX 0.0890 0,00 kr €7,123.12 −€19.28
TorFx 0.0890 0,00 kr €7,120.97 −€21.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0893 – €7,144.48
Key Currency Cheapest 0.0891 0,00 kr €7,126.62 −€17.86
Regency FX 0.0891 0,00 kr €7,125.19 −€19.29
TorFx 0.0890 0,00 kr €7,123.05 −€21.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0897 – €7,176.08
Key Currency Cheapest 0.0895 0,00 kr €7,158.14 −€17.94
Regency FX 0.0895 0,00 kr €7,156.70 −€19.38
TorFx 0.0894 0,00 kr €7,154.55 −€21.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0893 – €7,145.36
Key Currency Cheapest 0.0891 0,00 kr €7,127.50 −€17.86
Regency FX 0.0891 0,00 kr €7,126.07 −€19.29
TorFx 0.0890 0,00 kr €7,123.92 −€21.44
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0897 – €7,177.92
Key Currency Cheapest 0.0895 0,00 kr €7,159.98 −€17.94
Regency FX 0.0895 0,00 kr €7,158.54 −€19.38
TorFx 0.0895 0,00 kr €7,156.39 −€21.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0898 – €7,182.16
Key Currency Cheapest 0.0896 0,00 kr €7,164.20 −€17.96
Regency FX 0.0895 0,00 kr €7,162.77 −€19.39
TorFx 0.0895 0,00 kr €7,160.61 −€21.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0898 – €7,182.16
Key Currency Cheapest 0.0896 0,00 kr €7,164.20 −€17.96
Regency FX 0.0895 0,00 kr €7,162.77 −€19.39
TorFx 0.0895 0,00 kr €7,160.61 −€21.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0899 – €7,189.04
Key Currency Cheapest 0.0896 0,00 kr €7,171.07 −€17.97
Regency FX 0.0896 0,00 kr €7,169.63 −€19.41
TorFx 0.0896 0,00 kr €7,167.47 −€21.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0900 – €7,198.00
Key Currency Cheapest 0.0898 0,00 kr €7,180.01 −€17.99
Regency FX 0.0897 0,00 kr €7,178.57 −€19.43
TorFx 0.0897 0,00 kr €7,176.41 −€21.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0899 – €7,195.20
Key Currency Cheapest 0.0897 0,00 kr €7,177.21 −€17.99
Regency FX 0.0897 0,00 kr €7,175.77 −€19.43
TorFx 0.0897 0,00 kr €7,173.61 −€21.59
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 0.0900 325,99 kr €7,170.57 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0899 – €7,195.68
Key Currency Cheapest 0.0897 0,00 kr €7,177.69 −€17.99
Regency FX 0.0897 0,00 kr €7,176.25 −€19.43
TorFx 0.0897 0,00 kr €7,174.09 −€21.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0899 – €7,190.40
Key Currency Cheapest 0.0897 0,00 kr €7,172.42 −€17.98
Regency FX 0.0896 0,00 kr €7,170.99 −€19.41
TorFx 0.0896 0,00 kr €7,168.83 −€21.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0899 – €7,190.40
Key Currency Cheapest 0.0897 0,00 kr €7,172.42 −€17.98
Regency FX 0.0896 0,00 kr €7,170.99 −€19.41
TorFx 0.0896 0,00 kr €7,168.83 −€21.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0898 – €7,186.08
Key Currency Cheapest 0.0896 0,00 kr €7,168.11 −€17.97
Regency FX 0.0896 0,00 kr €7,166.68 −€19.40
TorFx 0.0896 0,00 kr €7,164.52 −€21.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0899 – €7,195.36
Key Currency Cheapest 0.0897 0,00 kr €7,177.37 −€17.99
Regency FX 0.0897 0,00 kr €7,175.93 −€19.43
TorFx 0.0897 0,00 kr €7,173.77 −€21.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0903 – €7,222.24
Key Currency Cheapest 0.0901 0,00 kr €7,204.18 −€18.06
Regency FX 0.0900 0,00 kr €7,202.74 −€19.50
TorFx 0.0900 0,00 kr €7,200.57 −€21.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0906 – €7,244.72
Key Currency Cheapest 0.0903 0,00 kr €7,226.61 −€18.11
Regency FX 0.0903 0,00 kr €7,225.16 −€19.56
TorFx 0.0903 0,00 kr €7,222.99 −€21.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0910 – €7,276.80
Key Currency Cheapest 0.0907 0,00 kr €7,258.61 −€18.19
Regency FX 0.0907 0,00 kr €7,257.15 −€19.65
TorFx 0.0907 0,00 kr €7,254.97 −€21.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0908 – €7,265.52
Wise Cheapest 0.0912 325,99 kr €7,266.41 +€0.89
Key Currency 0.0906 0,00 kr €7,247.36 −€18.16
Regency FX 0.0906 0,00 kr €7,245.90 −€19.62
TorFx 0.0905 0,00 kr €7,243.72 −€21.80
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 0.0912 325,99 kr €7,266.41 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0912 – €7,298.08
Key Currency Cheapest 0.0910 0,00 kr €7,279.83 −€18.25
Regency FX 0.0910 0,00 kr €7,278.38 −€19.70
TorFx 0.0910 0,00 kr €7,276.19 −€21.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0913 – €7,303.04
Wise Cheapest 0.0913 325,99 kr €7,272.72 −€30.32
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0913 – €7,301.60
Key Currency Cheapest 0.0910 0,00 kr €7,283.35 −€18.25
Regency FX 0.0910 0,00 kr €7,281.89 −€19.71
TorFx 0.0910 0,00 kr €7,279.70 −€21.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0915 – €7,323.04
Key Currency Cheapest 0.0913 0,00 kr €7,304.73 −€18.31
Regency FX 0.0913 0,00 kr €7,303.27 −€19.77
TorFx 0.0913 0,00 kr €7,301.07 −€21.97
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0907 – €7,259.68
Key Currency Cheapest 0.0905 0,00 kr €7,241.53 −€18.15
Regency FX 0.0905 0,00 kr €7,240.08 −€19.60
TorFx 0.0905 0,00 kr €7,237.90 −€21.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0906 – €7,250.96
Key Currency Cheapest 0.0904 0,00 kr €7,232.83 −€18.13
Regency FX 0.0904 0,00 kr €7,231.38 −€19.58
TorFx 0.0904 0,00 kr €7,229.21 −€21.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0906 – €7,250.96
Key Currency Cheapest 0.0904 0,00 kr €7,232.83 −€18.13
Regency FX 0.0904 0,00 kr €7,231.38 −€19.58
TorFx 0.0904 0,00 kr €7,229.21 −€21.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0908 – €7,265.68
Wise Cheapest 0.0908 325,99 kr €7,236.15 −€29.53
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.0910 – €7,278.64
Key Currency Cheapest 0.0908 0,00 kr €7,260.44 −€18.20
Regency FX 0.0907 0,00 kr €7,258.99 −€19.65
TorFx 0.0907 0,00 kr €7,256.80 −€21.84

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.

In the past month, a money transfer company beat the mid-market rate on 1 of the last 30 days.

Right now, Key Currency pays 7 260,44 EUR on 80 000 SEK, which is 18,20 EUR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 7 304,73 EUR.

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 Finland.

We've tracked 146 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Key CurrencyAppeared in 26 comparisons

    Cheapest in 96% of them

  2. Regency FXAppeared in 26 comparisons

    Never the cheapest

  3. TorFxAppeared in 51 comparisons

    Cheapest in 45% of them

Based on 146 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 Key Currency 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 Finland

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

Medium-sized transfers

Online transfers

For a one-off transfer to Finland, 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 7 249,28 EUR after a 0% 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 Finland.

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.

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% 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 Finland, 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 Finland

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80 000 SEK gives your recipient 7 260,44 EUR.

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

  1. 1
    Bank transfer Bank deposit

    You pay kr80,000.00

    €7,260

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay kr80,000.00

    €7,184

    -€76

  3. 3
    Credit card Bank deposit

    You pay kr80,000.00

    €7,184

    -€76

Consider this before sending SEK to Finland

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 Finland

The cheapest option for an SEK 80 000 transfer is Key Currency. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 7 260,44 EUR, which is 0,02% more than the next best option.

Fastest way to send money to Finland

With Revolut, a bank transfer deposit and bank deposit payout delivers 7 196,32 EUR in within minutes.

Swish only works in Sweden

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

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

Finland may have their own rules on receiving monetary gifts.

How we analyse the market

We track 10 companies sending SEK to Finland, 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 146 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.