How to send money to Georgia from Sweden with the best SEK-GEL rate

From 5 companies analysed, Regency FX is the cheapest way to send money to Georgia, giving your recipient 20,582.04 GEL when you send SEK 80,000.

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

Best companies for SEK/GEL transfers

5 of 5 providers

Last updated on 28 October 2026

Based on 80,000 SEK transfer

Best companies for SEK/GEL transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 1 160,43 kr 1 SEK = 0.2603 GEL -0.90% vs mid-market Recipient gets 20 522,65 ₾ Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
1 160,43 kr1 SEK = 0.2603 GEL
20 522,65 ₾You pay80 000,00 kr
Promoted

Xe

Pay via Debit card
Fee 0,00 kr 1 SEK = 0.2456 GEL +4.91% vs mid-market Recipient gets 19 648,00 ₾ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.2456 GEL
19 648,00 ₾You pay80 000,00 kr

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Regency FX

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.2573 GEL +0.27% vs mid-market Recipient gets 20 582,04 ₾ Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.2573 GEL
20 582,04 ₾You pay80 000,00 kr

Wise

Pay via Bank transfer
Fee 1 160,43 kr 1 SEK = 0.2603 GEL -0.90% vs mid-market Recipient gets 20 522,65 ₾ Within minutes
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
1 160,43 kr1 SEK = 0.2603 GEL
20 522,65 ₾You pay80 000,00 kr
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 820,00 kr 1 SEK = 0.2577 GEL +0.11% vs mid-market Recipient gets 20 405,58 ₾ Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
820,00 kr1 SEK = 0.2577 GEL
20 405,58 ₾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.

Wise

Pay via Debit card
Fee 2 006,11 kr 1 SEK = 0.2603 GEL -0.90% vs mid-market Recipient gets 20 302,51 ₾ Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
2 006,11 kr1 SEK = 0.2603 GEL
20 302,51 ₾You pay80 000,00 kr

Wise

Pay via Credit card
Fee 2 165,49 kr 1 SEK = 0.2603 GEL -0.90% vs mid-market Recipient gets 20 261,02 ₾ Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
2 165,49 kr1 SEK = 0.2603 GEL
20 261,02 ₾You pay80 000,00 kr
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee 1 500,00 kr 1 SEK = 0.2577 GEL +0.11% vs mid-market Recipient gets 20 230,34 ₾ Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
1 500,00 kr1 SEK = 0.2577 GEL
20 230,34 ₾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.

$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee 1 200,00 kr 1 SEK = 0.2524 GEL +2.18% vs mid-market Recipient gets 20 192,00 ₾ Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
1 200,00 kr1 SEK = 0.2524 GEL
20 192,00 ₾You pay81 200,00 kr
Cash pickupMinutes - 24 hours
40,00 kr1 SEK = 0.2511 GEL
20 088,00 ₾You pay80 040,00 kr
Bank depositMinutes - 24 hoursAvailable via:All Banks
9,00 kr1 SEK = 0.2454 GEL
19 632,00 ₾You pay80 009,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee 1 200,00 kr 1 SEK = 0.2524 GEL +2.18% vs mid-market Recipient gets 20 192,00 ₾ Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
1 200,00 kr1 SEK = 0.2524 GEL
20 192,00 ₾You pay81 200,00 kr
Cash pickupMinutes - 24 hours
40,00 kr1 SEK = 0.2511 GEL
20 088,00 ₾You pay80 040,00 kr
Bank depositMinutes - 24 hoursAvailable via:All Banks
9,00 kr1 SEK = 0.2454 GEL
19 632,00 ₾You pay80 009,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee 40,00 kr 1 SEK = 0.2511 GEL +2.70% vs mid-market Recipient gets 20 088,00 ₾ Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
40,00 kr1 SEK = 0.2511 GEL
20 088,00 ₾You pay80 040,00 kr
Bank depositMinutes - 24 hoursAvailable via:All Banks
9,00 kr1 SEK = 0.2454 GEL
19 632,00 ₾You pay80 009,00 kr

Xe

Pay via Debit card
Fee 0,00 kr 1 SEK = 0.2456 GEL +4.91% vs mid-market Recipient gets 19 648,00 ₾ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.2456 GEL
19 648,00 ₾You pay80 000,00 kr

Xe

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.2456 GEL +4.91% vs mid-market Recipient gets 19 648,00 ₾ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.2456 GEL
19 648,00 ₾You pay80 000,00 kr

Xe

Pay via Credit card
Fee 0,00 kr 1 SEK = 0.2456 GEL +4.91% vs mid-market Recipient gets 19 648,00 ₾ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.2456 GEL
19 648,00 ₾You pay80 000,00 kr
How Our Results Work
Mid-market rate: 1 SEK = 0.2580 GEL Updates every 60 minutes.

How to send money from Sweden to Georgia

Pick a company

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

Regency FX was the cheapest on 28 of the 28 days it quoted kr80,000 transfers to Georgia.

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

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

How much SEK you send to Georgia 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 kr13,60 kr1 285,78 ₾with bank transfer to bank deposit+18,19 ₾
10 000 kr0.09%15,00 kr2 575,18 ₾with bank transfer to bank deposit+58,70 ₾
25 000 kr374,34 kr6 416,86 ₾with bank transfer to bank deposit+127,50 ₾
50 000 kr-0.91%731,65 kr12 835,59 ₾with bank transfer to bank deposit+218,39 ₾
80 000 krThis page0.27%0,00 kr20 582,04 ₾with bank transfer to bank deposit+438,69 ₾

Mid-market rate: 1 SEK = 0.2580 GEL

SEK/GEL Exchange Rate History

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

The cheapest way to send SEK to GEL 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 Georgia.

GEL received for 80 000 kr, after fees

Wed, 28 Oct 2026Mid-market rate20 637,76 ₾ Regency FX 20 582,04 ₾Regency FX20 582,04 ₾Wise20 522,65 ₾Revolut20 405,58 ₾

19 800
20 000
20 200
20 400
20 600
20 800
21 000
21 200
At the mid-market rateWith the cheapest optionRegency FXWiseRevolut
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2602 – 20 817,44 ₾
Regency FX Cheapest 0.2595 0,00 kr 20 761,23 ₾ −56,21 ₾
Wise 0.2612 1 160,43 kr 20 593,68 ₾ −223,76 ₾
Revolut 0.2585 820,00 kr 20 466,90 ₾ −350,54 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2610 – 20 882,16 ₾
Regency FX Cheapest 0.2603 0,00 kr 20 825,78 ₾ −56,38 ₾
Wise 0.2610 1 160,43 kr 20 579,41 ₾ −302,75 ₾
Revolut 0.2583 820,00 kr 20 453,74 ₾ −428,42 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2591 – 20 724,00 ₾
Regency FX Cheapest 0.2584 0,00 kr 20 668,05 ₾ −55,95 ₾
Wise 0.2600 1 160,43 kr 20 495,53 ₾ −228,47 ₾
Revolut 0.2572 820,00 kr 20 363,74 ₾ −360,26 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2586 – 20 689,68 ₾
Regency FX Cheapest 0.2579 0,00 kr 20 633,82 ₾ −55,86 ₾
Wise 0.2595 1 160,43 kr 20 455,08 ₾ −234,60 ₾
Revolut 0.2569 820,00 kr 20 338,57 ₾ −351,11 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2595 – 20 757,04 ₾
Regency FX Cheapest 0.2588 0,00 kr 20 701,00 ₾ −56,04 ₾
Wise 0.2590 1 160,43 kr 20 422,29 ₾ −334,75 ₾
Revolut 0.2558 1 620,00 kr 20 047,57 ₾ −709,47 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2595 – 20 757,04 ₾
Regency FX Cheapest 0.2588 0,00 kr 20 701,00 ₾ −56,04 ₾
Wise 0.2590 1 160,43 kr 20 422,29 ₾ −334,75 ₾
Revolut 0.2558 1 620,00 kr 20 047,57 ₾ −709,47 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2585 – 20 682,08 ₾
Regency FX Cheapest 0.2578 0,00 kr 20 626,24 ₾ −55,84 ₾
Wise 0.2580 1 160,43 kr 20 336,90 ₾ −345,18 ₾
Revolut 0.2557 820,00 kr 20 243,40 ₾ −438,68 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2582 – 20 658,40 ₾
Regency FX Cheapest 0.2575 0,00 kr 20 602,62 ₾ −55,78 ₾
Wise 0.2590 1 160,43 kr 20 417,56 ₾ −240,84 ₾
Revolut 0.2563 820,00 kr 20 291,32 ₾ −367,08 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2567 – 20 538,00 ₾
Regency FX Cheapest 0.2560 0,00 kr 20 482,55 ₾ −55,45 ₾
Wise 0.2593 1 160,43 kr 20 444,13 ₾ −93,87 ₾
Revolut 0.2568 820,00 kr 20 330,50 ₾ −207,50 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2593 – 20 743,52 ₾
Regency FX Cheapest 0.2586 0,00 kr 20 687,51 ₾ −56,01 ₾
Wise 0.2596 1 160,43 kr 20 466,99 ₾ −276,53 ₾
Revolut 0.2572 820,00 kr 20 362,99 ₾ −380,53 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2638 – 21 101,20 ₾
Regency FX Cheapest 0.2631 0,00 kr 21 044,23 ₾ −56,97 ₾
Wise 0.2612 1 160,43 kr 20 595,10 ₾ −506,10 ₾
Revolut 0.2585 820,00 kr 20 469,13 ₾ −632,07 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2591 – 20 724,80 ₾
Regency FX Cheapest 0.2584 0,00 kr 20 668,84 ₾ −55,96 ₾
Wise 0.2599 1 160,43 kr 20 490,25 ₾ −234,55 ₾
Revolut 0.2567 1 620,00 kr 20 118,57 ₾ −606,23 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2591 – 20 724,80 ₾
Regency FX Cheapest 0.2584 0,00 kr 20 668,84 ₾ −55,96 ₾
Wise 0.2599 1 160,43 kr 20 490,25 ₾ −234,55 ₾
Revolut 0.2567 1 620,00 kr 20 118,57 ₾ −606,23 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2592 – 20 734,72 ₾
Regency FX Cheapest 0.2585 0,00 kr 20 678,74 ₾ −55,98 ₾
Wise 0.2598 1 160,43 kr 20 479,05 ₾ −255,67 ₾
Revolut 0.2574 820,00 kr 20 382,06 ₾ −352,66 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2586 – 20 689,76 ₾
Regency FX Cheapest 0.2579 0,00 kr 20 633,90 ₾ −55,86 ₾
Wise 0.2592 1 160,43 kr 20 434,66 ₾ −255,10 ₾
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2608 – 20 867,44 ₾
Regency FX Cheapest 0.2601 0,00 kr 20 811,10 ₾ −56,34 ₾
Revolut 0.2584 820,00 kr 20 459,20 ₾ −408,24 ₾
Wise No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2593 – 20 745,76 ₾
Regency FX Cheapest 0.2586 0,00 kr 20 689,75 ₾ −56,01 ₾
Wise 0.2600 1 160,43 kr 20 499,00 ₾ −246,76 ₾
Revolut 0.2575 820,00 kr 20 387,77 ₾ −357,99 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2611 – 20 887,12 ₾
Regency FX Cheapest 0.2604 0,00 kr 20 830,72 ₾ −56,40 ₾
Revolut 0.2592 820,00 kr 20 525,53 ₾ −361,59 ₾
Wise No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2613 – 20 906,24 ₾
Regency FX Cheapest 0.2606 0,00 kr 20 849,79 ₾ −56,45 ₾
Wise 0.2621 1 160,43 kr 20 660,86 ₾ −245,38 ₾
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2613 – 20 906,24 ₾
Regency FX Cheapest 0.2606 0,00 kr 20 849,79 ₾ −56,45 ₾
Revolut 0.2584 1 620,00 kr 20 251,87 ₾ −654,37 ₾
Wise No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2611 – 20 886,88 ₾
Regency FX Cheapest 0.2604 0,00 kr 20 830,49 ₾ −56,39 ₾
Wise 0.2617 1 160,43 kr 20 630,50 ₾ −256,38 ₾
Revolut 0.2592 820,00 kr 20 519,60 ₾ −367,28 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2621 – 20 970,16 ₾
Regency FX Cheapest 0.2614 0,00 kr 20 913,54 ₾ −56,62 ₾
Wise 0.2623 1 160,43 kr 20 682,14 ₾ −288,02 ₾
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2613 – 20 905,12 ₾
Regency FX Cheapest 0.2606 0,00 kr 20 848,68 ₾ −56,44 ₾
Wise 0.2619 1 160,43 kr 20 651,32 ₾ −253,80 ₾
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 0.2628 1 160,43 kr 20 717,23 ₾ –
Revolut 0.2601 820,00 kr 20 597,78 ₾ –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 0.2616 1 160,43 kr 20 627,35 ₾ –
Revolut 0.2590 820,00 kr 20 508,97 ₾ –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2608 – 20 865,44 ₾
Regency FX Cheapest 0.2601 0,00 kr 20 809,10 ₾ −56,34 ₾
Wise No quote collected this day – – – –
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2608 – 20 865,44 ₾
Regency FX Cheapest 0.2601 0,00 kr 20 809,10 ₾ −56,34 ₾
Wise 0.2615 1 160,43 kr 20 618,99 ₾ −246,45 ₾
Revolut 0.2577 1 620,00 kr 20 196,53 ₾ −668,91 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2608 – 20 860,72 ₾
Regency FX Cheapest 0.2601 0,00 kr 20 804,40 ₾ −56,32 ₾
Wise 0.2613 1 160,43 kr 20 600,07 ₾ −260,65 ₾
Revolut 0.2582 820,00 kr 20 445,40 ₾ −415,32 ₾
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2601 – 20 811,12 ₾
Regency FX Cheapest 0.2594 0,00 kr 20 754,93 ₾ −56,19 ₾
Wise 0.2605 1 160,43 kr 20 540,31 ₾ −270,81 ₾
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2580 – 20 637,76 ₾
Regency FX Cheapest 0.2573 0,00 kr 20 582,04 ₾ −55,72 ₾
Wise 0.2603 1 160,43 kr 20 522,65 ₾ −115,11 ₾
Revolut 0.2577 820,00 kr 20 405,58 ₾ −232,18 ₾

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 GEL 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 GEL on every transfer from Sweden.

Right now, Regency FX pays 20,582.04 GEL on 80,000 SEK, which is 55.72 GEL less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 21,044.23 GEL.

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 Georgia.

We've tracked 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Regency FXAppeared in 28 comparisons

    Cheapest every time

  2. WiseAppeared in 85 comparisons

    Cheapest in 44% of them

  3. RevolutAppeared in 71 comparisons

    Cheapest in 25% of them

Based on 94 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.

Wise (today's second cheapest) was the cheapest in only 44% of its comparisons, so it's rarely the cheapest option for transfers to Georgia.

Ways to send money from Sweden to Georgia

5 companies send money from Sweden to Georgia, 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 Georgia, an online service like Wise is usually the simplest place to start.

Wise charges kr1160.43 to send 80,000 SEK, leaving your recipient with 20,522.65 GEL after a -0.9% markup on SEK/GEL exchange rate.

In our comparisons over the past month, it was the cheapest online service on 26 of the 26 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 Georgia.

Wise charges kr1160.43 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 GEL.

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

Wise converts SEK 80,000 with a -0.9% exchange-rate markup and holds the GEL 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 Georgia, a global account keeps the GEL 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 GEL in Georgia

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80,000 SEK gives your recipient 20,582.04 GEL.

From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, and in Georgia, 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 GEL from a nearby MoneyGram agent in Georgia.

Swish is useful for payments within Sweden, but it does not send GEL to Georgia.

  1. 1
    Bank transfer Bank deposit

    You pay kr80,000.00

    GEL20,582

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay kr80,000.00

    GEL20,303

    -GEL280

  3. 3
    Credit card Bank deposit

    You pay kr80,000.00

    GEL20,261

    -GEL321

  4. 4
    Debit card Card deposit

    You pay kr81,200.00

    GEL20,192

    -GEL390

  5. 5
    Credit card Card deposit

    You pay kr81,200.00

    GEL20,192

    -GEL390

Show moreShow less
  1. 6
    Bank transfer Cash pickup

    You pay kr80,040.00

    GEL20,088

    -GEL494

  2. 7
    Debit card Cash pickup

    You pay kr80,040.00

    GEL20,088

    -GEL494

  3. 8
    Credit card Cash pickup

    You pay kr80,040.00

    GEL20,088

    -GEL494

Consider this before sending SEK to Georgia

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

Compare SEK to GEL transfer options

Cheapest way to send money to Georgia

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 20,582.04 GEL, which is 0.29% more than the next best option.

Fastest way to send money to Georgia

With Revolut, a bank transfer deposit and bank deposit payout delivers 20,405.58 GEL in within minutes.

Swish only works in Sweden

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

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

Georgia may have their own rules on receiving monetary gifts.

How we analyse the market

We track 5 companies sending SEK to Georgia, 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 94 comparisons across 5 amounts.

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