From 11 companies analysed, Key Currency is the cheapest way to send money to Latvia, giving your recipient 7,056.63 EUR when you send SEK 80,000.
Deposit with bank transfer and use bank deposit for withdrawal to get the most EUR.
| 11 of 11 providers Last updated on 28 September 2026 | |||
| Based on 80,000 SEK transfer Best companies for SEK/EUR transfers | |||
| 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 | |
Ways to receive money in Latvia 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  Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 0.0873 EUR +1.28% vs mid-market | Recipient gets €6,984.00 Minutes - 24 hours | |
Ways to receive money in Latvia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.0873 EUR €6,984.00You pay80 000,00 kr | |||
Run a live search Showing top Sweden to Latvia deals for 80,000 SEK. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live SEK to EUR rates. | |||
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much SEK you're planning to spend in Latvia. | |||
Run a live search These are managed services with real human support for large SEK transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.0882 EUR +0.25% vs mid-market | Recipient gets €7,056.63 Minutes - 3 days | |
Ways to receive money in Latvia with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 SEK = 0.0882 EUR €7,056.63You pay80 000,00 kr | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.0882 EUR +0.27% vs mid-market | Recipient gets €7,055.22 Minutes - 24 hours | |
Ways to receive money in Latvia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.0882 EUR €7,055.22You pay80 000,00 kr | |||
 TorFx Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.0882 EUR +0.30% vs mid-market | Recipient gets €7,053.10 Minutes - 24 hours | |
Ways to receive money in Latvia with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.0882 EUR €7,053.10You pay80 000,00 kr | |||
| 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 | |
Ways to receive money in Latvia 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 | |||
 Currencies Direct Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.0880 EUR +0.49% vs mid-market | Recipient gets €7,036.80 Minutes - 24 hours | |
Ways to receive money in Latvia with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.0880 EUR €7,036.80You pay80 000,00 kr | |||
 CurrencyFair Pay via Bank transfer | Fee 33,93 kr 1 SEK = 0.0879 EUR +0.60% vs mid-market | Recipient gets €7,032.20 Minutes - 24 hours | |
Ways to receive money in Latvia with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours 33,93 kr1 SEK = 0.0879 EUR €7,032.20You pay80 000,00 kr | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee 700,00 kr 1 SEK = 0.0882 EUR +0.26% vs mid-market | Recipient gets €6,991.93 Within minutes | |
Ways to receive money in Latvia with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes 700,00 kr1 SEK = 0.0882 EUR €6,991.93You 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 = 0.0873 EUR +1.28% vs mid-market | Recipient gets €6,984.00 Minutes - 24 hours | |
Ways to receive money in Latvia with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.0873 EUR €6,984.00You pay80 000,00 kr | |||
| Xe Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.0873 EUR +1.28% vs mid-market | Recipient gets €6,984.00 Minutes - 24 hours | |
Ways to receive money in Latvia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.0873 EUR €6,984.00You pay80 000,00 kr | |||
| Xe Pay via Credit card | Fee 0,00 kr 1 SEK = 0.0873 EUR +1.28% vs mid-market | Recipient gets €6,984.00 Minutes - 24 hours | |
Ways to receive money in Latvia with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.0873 EUR €6,984.00You pay80 000,00 kr | |||
 Moneycorp Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.0872 EUR +1.40% vs mid-market | Recipient gets €6,975.28 Minutes - 2 days | |
Ways to receive money in Latvia with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 SEK = 0.0872 EUR €6,975.28You 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 | |
Ways to receive money in Latvia 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 | |||
 Profee Pay via Debit card | Fee 0,00 kr 1 SEK = 0.0871 EUR +1.55% vs mid-market | Recipient gets €6,965.19 Minutes - 24 hours | |
Ways to receive money in Latvia with Profee when paying by debit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hours Free1 SEK = 0.0871 EUR €6,965.19You pay80 000,00 kr Bank depositMinutes - 24 hours Free1 SEK = 0.0871 EUR €6,965.19You pay80 000,00 kr | |||
| Profee Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.0871 EUR +1.55% vs mid-market | Recipient gets €6,965.19 Minutes - 24 hours | |
Ways to receive money in Latvia with Profee when paying by bank transfer. MethodFee & ratesRecipient gets Card depositMinutes - 24 hours Free1 SEK = 0.0871 EUR €6,965.19You pay80 000,00 kr Bank depositMinutes - 24 hours Free1 SEK = 0.0871 EUR €6,965.19You 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 | |
Ways to receive money in Latvia 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 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee 1 260,00 kr 1 SEK = 0.0882 EUR +0.26% vs mid-market | Recipient gets €6,942.55 Within minutes | |
Ways to receive money in Latvia with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes 1 260,00 kr1 SEK = 0.0882 EUR €6,942.55You 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 = 0.0865 EUR +2.21% vs mid-market | Recipient gets €6,920.00 Minutes - 24 hours | |
Ways to receive money in Latvia with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks 30,00 kr1 SEK = 0.0865 EUR €6,920.00You pay80 030,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 1 200,00 kr1 SEK = 0.0858 EUR €6,864.00You pay81 200,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 0.0839 EUR €6,712.00You pay80 040,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee 30,00 kr 1 SEK = 0.0865 EUR +2.21% vs mid-market | Recipient gets €6,920.00 Minutes - 24 hours | |
Ways to receive money in Latvia with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks 30,00 kr1 SEK = 0.0865 EUR €6,920.00You pay80 030,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 1 200,00 kr1 SEK = 0.0858 EUR €6,864.00You pay81 200,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 0.0839 EUR €6,712.00You pay80 040,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee 30,00 kr 1 SEK = 0.0865 EUR +2.21% vs mid-market | Recipient gets €6,920.00 Minutes - 24 hours | |
Ways to receive money in Latvia with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks 30,00 kr1 SEK = 0.0865 EUR €6,920.00You pay80 030,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 0.0839 EUR €6,712.00You pay80 040,00 kr | |||
| How Our Results Work Mid-market rate: 1 SEK = 0.0884 EUR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Latvia, I suggest picking the cheapest option which is Key Currency.
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.
You can pay for the transfer using bank transfer, debit card, credit card, and debit card.
A transfer from your Swedish bank is usually the easiest way to fund the transfer.
Before you can send money to Latvia, 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).
11 companies send money from Sweden to Latvia, mostly through broker, online, app, multi-currency account, global account, and in person, and a few more ways.
Medium-sized transfers
For a one-off transfer to Latvia, 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
For smaller regular transfers, apps are the most convenient and easiest way to send money to Latvia.
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 cash pickup.
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
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
If your business receives and sends money in Latvia, 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.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80,000 SEK gives your recipient 7,056.63 EUR.
From Sweden, you can fund the transfer by bank transfer, debit card, credit card, and debit card, and in Latvia, 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 EUR from a nearby MoneyGram agent in Latvia.
Swish is useful for payments within Sweden, but it does not send EUR to Latvia.
You pay kr80,000.00
€7,057
Cheapest
You pay kr80,000.00
€6,984
-€73
You pay kr80,000.00
€6,984
-€73
You pay kr80,000.00
€6,965
-€91
You pay kr80,000.00
€6,965
-€91
You pay kr80,000.00
€6,965
-€91
You pay kr81,200.00
€6,864
-€193
You pay kr81,200.00
€6,864
-€193
You pay kr80,040.00
€6,712
-€345
You pay kr80,040.00
€6,712
-€345
You pay kr80,040.00
€6,712
-€345
Swedish banks are safe but often expensive for foreign payments. Compare money transfer companies available to get the most of EUR from Sweden.
Cheapest way to send money to Latvia
The cheapest option for EUR 7,056.63 is Key Currency. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 7,056.63 EUR, which is 0.02% more than the next best option.
Fastest way to send money to Latvia
With Revolut, a bank transfer deposit and bank deposit payout delivers 6,991.93 EUR in within minutes.
Swish moves money between participating Swedish accounts, it cannot send SEK to Latvia.
You may still use a Swedish bank transfer to pay for the transfer online, but beyond that, the company will move SEK to Latvia over local rails or SWIFT.
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 has no gift or inheritance tax, so sending a cash gift does not create a Swedish gift-tax return.
Latvia may have their own rules on receiving monetary gifts.
The final rate controls how much EUR you get for your SEK, so compare it alongside the transfer fee.
Mid-market rate:1 SEK = 0.08831 EUR
We track 11 companies sending SEK to Latvia, 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.
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