How to send money to New Zealand from Sweden with the best SEK-NZD rate

From 9 companies analysed, Xe is the cheapest way to send money to New Zealand, giving your recipient 14,272 NZD when you send SEK 80,000.

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

Best companies for SEK/NZD transfers

9 of 9 providers

Last updated on 28 October 2026

Based on 80,000 SEK transfer

Best companies for SEK/NZD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 345,05 kr 1 SEK = 0.1788 NZD +0.03% vs mid-market Recipient gets 14 241,91 $ Next day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositNext dayAvailable via:Bank Transfer
345,05 kr1 SEK = 0.1788 NZD
14 241,91 $You pay80 000,00 kr
Promoted

Xe

Pay via Debit card
Fee 0,00 kr 1 SEK = 0.1784 NZD +0.25% vs mid-market Recipient gets 14 272,00 $ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.1784 NZD
14 272,00 $You pay80 000,00 kr

Run a live search

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

Xe

Pay via Debit card
Fee 0,00 kr 1 SEK = 0.1784 NZD +0.25% vs mid-market Recipient gets 14 272,00 $ Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.1784 NZD
14 272,00 $You pay80 000,00 kr

Xe

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.1784 NZD +0.25% vs mid-market Recipient gets 14 272,00 $ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.1784 NZD
14 272,00 $You pay80 000,00 kr

Xe

Pay via Credit card
Fee 0,00 kr 1 SEK = 0.1784 NZD +0.25% vs mid-market Recipient gets 14 272,00 $ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.1784 NZD
14 272,00 $You pay80 000,00 kr
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.1784 NZD +0.25% vs mid-market Recipient gets 14 271,59 $ Minutes - 3 days
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 SEK = 0.1784 NZD
14 271,59 $You pay80 000,00 kr
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.1784 NZD +0.27% vs mid-market Recipient gets 14 268,73 $ Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.1784 NZD
14 268,73 $You pay80 000,00 kr

TorFx

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.1783 NZD +0.30% vs mid-market Recipient gets 14 264,44 $ Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 SEK = 0.1783 NZD
14 264,44 $You pay80 000,00 kr

Wise

Pay via Bank transfer
Fee 345,05 kr 1 SEK = 0.1788 NZD +0.03% vs mid-market Recipient gets 14 241,91 $ Next day
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositNext dayAvailable via:Bank Transfer
345,05 kr1 SEK = 0.1788 NZD
14 241,91 $You pay80 000,00 kr

CurrencyFair

Pay via Bank transfer
Fee 27,96 kr 1 SEK = 0.1776 NZD +0.70% vs mid-market Recipient gets 14 199,00 $ Minutes - 24 hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
27,96 kr1 SEK = 0.1776 NZD
14 199,00 $You pay80 000,00 kr
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 820,00 kr 1 SEK = 0.1787 NZD +0.08% vs mid-market Recipient gets 14 149,42 $ Same day
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositSame day
820,00 kr1 SEK = 0.1787 NZD
14 149,42 $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.

Moneycorp

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 0.1763 NZD +1.40% vs mid-market Recipient gets 14 107,06 $ Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 SEK = 0.1763 NZD
14 107,06 $You pay80 000,00 kr

Wise

Pay via Debit card
Fee 1 208,14 kr 1 SEK = 0.1788 NZD +0.03% vs mid-market Recipient gets 14 087,59 $ Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
1 208,14 kr1 SEK = 0.1788 NZD
14 087,59 $You pay80 000,00 kr

Wise

Pay via Credit card
Fee 1 370,78 kr 1 SEK = 0.1788 NZD +0.03% vs mid-market Recipient gets 14 058,51 $ Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
1 370,78 kr1 SEK = 0.1788 NZD
14 058,51 $You pay80 000,00 kr
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee 2 540,00 kr 1 SEK = 0.1787 NZD +0.08% vs mid-market Recipient gets 13 842,05 $ Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
2 540,00 kr1 SEK = 0.1787 NZD
13 842,05 $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 40,00 kr 1 SEK = 0.1689 NZD +5.72% vs mid-market Recipient gets 13 512,00 $ Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
40,00 kr1 SEK = 0.1689 NZD
13 512,00 $You pay80 040,00 kr
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
1 200,00 kr1 SEK = 0.1659 NZD
13 272,00 $You pay81 200,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee 40,00 kr 1 SEK = 0.1689 NZD +5.72% vs mid-market Recipient gets 13 512,00 $ Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
40,00 kr1 SEK = 0.1689 NZD
13 512,00 $You pay80 040,00 kr
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
1 200,00 kr1 SEK = 0.1659 NZD
13 272,00 $You pay81 200,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee 40,00 kr 1 SEK = 0.1689 NZD +5.72% vs mid-market Recipient gets 13 512,00 $ Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
40,00 kr1 SEK = 0.1689 NZD
13 512,00 $You pay80 040,00 kr
How Our Results Work
Mid-market rate: 1 SEK = 0.1788 NZD Updates every 60 minutes.

How to send money from Sweden to New Zealand

Pick a company

For a one-off SEK transfer to New Zealand, I suggest picking the cheapest option which is Xe.

Xe was the cheapest on 1 of the 22 days it quoted kr80,000 transfers to New Zealand.

On a 80,000 SEK transfer, Xe delivers the most NZD.

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

How much SEK you send to New Zealand 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 Xe was the cheapest in 8% of the transfers from SEK 50,000 it quoted, and in 5% of all the transfers it quoted.

Cheapest service
5 000 kr0.19%10,30 kr892,41 $with bank transfer to bank deposit+21,57 $
10 000 kr0.06%15,00 kr1 784,29 $with bank transfer to bank deposit+37,10 $
25 000 kr-0.02%115,02 kr4 461,43 $with bank transfer to bank deposit+91,53 $
50 000 kr0.27%0,00 kr8 920,00 $with debit card to bank deposit+152,94 $
80 000 krThis page0.25%0,00 kr14 272,00 $with debit card to bank deposit+219,36 $

Mid-market rate: 1 SEK = 0.1788 NZD

SEK/NZD Exchange Rate History

Is today a good time to send money from Sweden to New Zealand?

The cheapest way to send SEK to NZD 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 Xe), across 30 days of comparisons for 80,000 SEK transfers to New Zealand.

NZD received for 80 000 kr, after fees

Wed, 28 Oct 2026Mid-market rate14 307,36 $ Xe 14 272,00 $Xe14 272,00 $Key Currency14 271,59 $Regency FX14 268,73 $

13 800
13 900
14 000
14 100
14 200
14 300
14 400
At the mid-market rateWith the cheapest optionXeKey CurrencyRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1774 – 14 189,20 $
Key Currency Cheapest 0.1769 0,00 kr 14 153,73 $ −35,47 $
Regency FX 0.1769 0,00 kr 14 150,89 $ −38,31 $
Xe 0.1763 0,00 kr 14 104,00 $ −85,20 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1773 – 14 187,52 $
Key Currency Cheapest 0.1769 0,00 kr 14 152,05 $ −35,47 $
Regency FX 0.1769 0,00 kr 14 149,21 $ −38,31 $
Xe 0.1763 0,00 kr 14 104,00 $ −83,52 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1776 – 14 205,60 $
Key Currency Cheapest 0.1771 0,00 kr 14 170,09 $ −35,51 $
Regency FX 0.1771 0,00 kr 14 167,24 $ −38,36 $
Xe 0.1765 0,00 kr 14 120,00 $ −85,60 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1776 – 14 204,56 $
Key Currency Cheapest 0.1771 0,00 kr 14 169,05 $ −35,51 $
Regency FX 0.1771 0,00 kr 14 166,21 $ −38,35 $
Xe 0.1765 0,00 kr 14 120,00 $ −84,56 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1773 – 14 186,88 $
Key Currency Cheapest 0.1769 0,00 kr 14 151,41 $ −35,47 $
Regency FX 0.1769 0,00 kr 14 148,58 $ −38,30 $
Xe 0.1747 0,00 kr 13 976,00 $ −210,88 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1773 – 14 186,88 $
Key Currency Cheapest 0.1769 0,00 kr 14 151,41 $ −35,47 $
Regency FX 0.1769 0,00 kr 14 148,58 $ −38,30 $
Xe 0.1750 0,00 kr 14 000,00 $ −186,88 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1774 – 14 195,68 $
Key Currency Cheapest 0.1770 0,00 kr 14 160,19 $ −35,49 $
Regency FX 0.1770 0,00 kr 14 157,35 $ −38,33 $
Xe 0.1764 0,00 kr 14 112,00 $ −83,68 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1779 – 14 232,32 $
Key Currency Cheapest 0.1775 0,00 kr 14 196,74 $ −35,58 $
Regency FX 0.1774 0,00 kr 14 193,89 $ −38,43 $
Xe 0.1769 0,00 kr 14 152,00 $ −80,32 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1778 – 14 221,36 $
Key Currency Cheapest 0.1773 0,00 kr 14 185,81 $ −35,55 $
Regency FX 0.1773 0,00 kr 14 182,96 $ −38,40 $
Xe 0.1766 0,00 kr 14 128,00 $ −93,36 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1786 – 14 284,56 $
Key Currency Cheapest 0.1781 0,00 kr 14 248,85 $ −35,71 $
Regency FX 0.1781 0,00 kr 14 245,99 $ −38,57 $
Xe 0.1775 0,00 kr 14 200,00 $ −84,56 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1788 – 14 305,92 $
Key Currency Cheapest 0.1784 0,00 kr 14 270,16 $ −35,76 $
Regency FX 0.1783 0,00 kr 14 267,29 $ −38,63 $
Xe 0.1777 0,00 kr 14 216,00 $ −89,92 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1784 – 14 270,32 $
Key Currency Cheapest 0.1779 0,00 kr 14 234,64 $ −35,68 $
Regency FX 0.1779 0,00 kr 14 231,79 $ −38,53 $
Xe 0.1754 0,00 kr 14 032,00 $ −238,32 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1784 – 14 270,32 $
Key Currency Cheapest 0.1779 0,00 kr 14 234,64 $ −35,68 $
Regency FX 0.1779 0,00 kr 14 231,79 $ −38,53 $
Xe 0.1751 0,00 kr 14 008,00 $ −262,32 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1784 – 14 272,88 $
Key Currency Cheapest 0.1780 0,00 kr 14 237,20 $ −35,68 $
Regency FX 0.1779 0,00 kr 14 234,34 $ −38,54 $
Xe 0.1774 0,00 kr 14 192,00 $ −80,88 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1784 – 14 273,12 $
Key Currency Cheapest 0.1780 0,00 kr 14 237,44 $ −35,68 $
Regency FX 0.1779 0,00 kr 14 234,58 $ −38,54 $
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1787 – 14 295,84 $
Wise Cheapest 0.1787 345,05 kr 14 231,79 $ −64,05 $
Xe No quote collected this day – – – –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 0.1784 345,05 kr 14 211,80 $ –
Xe 0.1774 0,00 kr 14 192,00 $ –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 0.1782 345,05 kr 14 196,50 $ –
Xe 0.1772 0,00 kr 14 176,00 $ –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1783 – 14 262,96 $
Key Currency Cheapest 0.1778 0,00 kr 14 227,30 $ −35,66 $
Regency FX 0.1778 0,00 kr 14 224,45 $ −38,51 $
Xe 0.1748 0,00 kr 13 984,00 $ −278,96 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1783 – 14 262,96 $
Key Currency Cheapest 0.1778 0,00 kr 14 227,30 $ −35,66 $
Regency FX 0.1778 0,00 kr 14 224,45 $ −38,51 $
Xe 0.1750 0,00 kr 14 000,00 $ −262,96 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1781 – 14 248,88 $
Key Currency Cheapest 0.1777 0,00 kr 14 213,26 $ −35,62 $
Regency FX 0.1776 0,00 kr 14 210,41 $ −38,47 $
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1777 – 14 218,48 $
Key Currency Cheapest 0.1773 0,00 kr 14 182,93 $ −35,55 $
Regency FX 0.1773 0,00 kr 14 180,09 $ −38,39 $
Xe 0.1768 0,00 kr 14 144,00 $ −74,48 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1776 – 14 210,72 $
Wise Cheapest 0.1776 345,05 kr 14 148,63 $ −62,09 $
Xe No quote collected this day – – – –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1777 – 14 213,36 $
Key Currency Cheapest 0.1772 0,00 kr 14 177,83 $ −35,53 $
Regency FX 0.1772 0,00 kr 14 174,98 $ −38,38 $
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1772 – 14 173,12 $
Key Currency Cheapest 0.1767 0,00 kr 14 137,69 $ −35,43 $
Regency FX 0.1767 0,00 kr 14 134,85 $ −38,27 $
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1763 – 14 103,04 $
Key Currency Cheapest 0.1758 0,00 kr 14 067,78 $ −35,26 $
Regency FX 0.1758 0,00 kr 14 064,96 $ −38,08 $
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 0.1766 345,05 kr 14 068,26 $ –
Xe 0.1732 0,00 kr 13 856,00 $ –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1767 – 14 137,36 $
Key Currency Cheapest 0.1763 0,00 kr 14 102,02 $ −35,34 $
Regency FX 0.1762 0,00 kr 14 099,19 $ −38,17 $
Xe No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1764 – 14 108,16 $
Key Currency Cheapest 0.1759 0,00 kr 14 072,89 $ −35,27 $
Regency FX 0.1759 0,00 kr 14 070,07 $ −38,09 $
Xe 0.1753 0,00 kr 14 024,00 $ −84,16 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1788 – 14 307,36 $
Xe Cheapest 0.1784 0,00 kr 14 272,00 $ −35,36 $
Key Currency 0.1784 0,00 kr 14 271,59 $ −35,77 $
Regency FX 0.1784 0,00 kr 14 268,73 $ −38,63 $

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 NZD 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 NZD on every transfer from Sweden.

Right now, Xe pays 14,272 NZD on 80,000 SEK, which is 35.36 NZD less than the mid-market amount.

Today's payout is the highest in the past month.

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 New Zealand.

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

  1. XeAppeared in 61 comparisons

    Cheapest in 5% of them

  2. Key CurrencyAppeared in 25 comparisons

    Cheapest in 96% of them

  3. Regency FXAppeared in 25 comparisons

    Never the cheapest

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 Xe is the cheapest and gets you the most NZD, but it was the cheapest in only 5% of the 61 comparisons it appeared in over the past month.

If it's a one-off transfer, go with Xe, since it's the cheapest right now.

Ways to send money from Sweden to New Zealand

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

Medium-sized transfers

Online transfers

For a one-off transfer to New Zealand, an online service like Xe is usually the simplest place to start.

Xe charges kr0 to send 80,000 SEK, leaving your recipient with 14,272 NZD after a 0.25% markup on SEK/NZD exchange rate.

In our comparisons over the past month, it was the cheapest online service on 1 of the 22 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 New Zealand.

Xe charges kr0 on a 80,000 SEK transfer and money will arrive in minutes - 24 hours.

Over the past month, Xe was the cheapest app on 5% of the days it appeared for kr80,000 transfers.

Your recipient can withdraw via bank deposit, cash pickup, and card 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 NZD.

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

Wise converts SEK 80,000 with a 0.02% exchange-rate markup and holds the NZD 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 New Zealand, a global account keeps the NZD 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 NZD in New Zealand

With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending 80,000 SEK gives your recipient 14,272 NZD.

From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, and in New Zealand, the recipient can use bank deposit, cash pickup, and card 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.

For cash pickup, they can collect NZD from a nearby MoneyGram agent in New Zealand.

Swish is useful for payments within Sweden, but it does not send NZD to New Zealand.

  1. 1
    Debit card Bank deposit

    You pay kr80,000.00

    NZ$14,272

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay kr80,000.00

    NZ$14,272

    NZ$0

  3. 3
    Credit card Bank deposit

    You pay kr80,000.00

    NZ$14,272

    NZ$0

  4. 4
    Debit card Cash pickup

    You pay kr80,040.00

    NZ$13,512

    -NZ$760

  5. 5
    Bank transfer Cash pickup

    You pay kr80,040.00

    NZ$13,512

    -NZ$760

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  1. 6
    Credit card Cash pickup

    You pay kr80,040.00

    NZ$13,512

    -NZ$760

  2. 7
    Debit card Card deposit

    You pay kr81,200.00

    NZ$13,272

    -NZ$1,000

  3. 8
    Credit card Card deposit

    You pay kr81,200.00

    NZ$13,272

    -NZ$1,000

Consider this before sending SEK to New Zealand

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

Compare SEK to NZD transfer options

Cheapest way to send money to New Zealand

The cheapest option for an SEK 80,000 transfer is Xe. Pay by debit card and choose bank deposit for the payout. Your recipient gets 14,272 NZD, which is 0% more than the next best option.

Fastest way to send money to New Zealand

With Revolut, a bank transfer deposit and bank deposit payout delivers 14,149.42 NZD in same day.

Swish only works in Sweden

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

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

New Zealand may have their own rules on receiving monetary gifts.

How we analyse the market

We track 9 companies sending SEK to New Zealand, 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/NZD 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.