From 10 companies analysed, Xe is the cheapest way to send money to Norway, giving your recipient 76 600 NOK when you send SEK 80 000.
Deposit with bank transfer and use bank deposit for withdrawal to get the most NOK.
| 10 of 10 providers Last updated on 10 November 2026 | |||
| Based on 80,000 SEK transfer Best companies for SEK/NOK transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee 323,90 kr 1 SEK = 0.9597 NOK 0.00% vs mid-market | Recipient gets 76 465,31 kr Same day | |
Ways to receive money in Norway with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 323,90 kr1 SEK = 0.9597 NOK 76 465,31 krYou pay80 000,00 kr | |||
| Promoted  Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 0.9575 NOK +0.23% vs mid-market | Recipient gets 76 600,00 kr Minutes - 24 hours | |
Ways to receive money in Norway with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.9575 NOK 76 600,00 krYou pay80 000,00 kr | |||
Run a live search Showing top Sweden to Norway 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 NOK rates. | |||
Run a live search These companies offer multi-currency accounts for spending NOK. We suggest doing a live search based on how much SEK you're planning to spend in Norway. | |||
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. | |||
| Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 0.9575 NOK +0.23% vs mid-market | Recipient gets 76 600,00 kr Minutes - 24 hours | |
Ways to receive money in Norway with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.9575 NOK 76 600,00 krYou pay80 000,00 kr | |||
| Xe Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.9575 NOK +0.23% vs mid-market | Recipient gets 76 600,00 kr Minutes - 24 hours | |
Ways to receive money in Norway with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.9575 NOK 76 600,00 krYou pay80 000,00 kr | |||
| Xe Pay via Credit card | Fee 0,00 kr 1 SEK = 0.9575 NOK +0.23% vs mid-market | Recipient gets 76 600,00 kr Minutes - 24 hours | |
Ways to receive money in Norway with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.9575 NOK 76 600,00 krYou pay80 000,00 kr | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.9573 NOK +0.25% vs mid-market | Recipient gets 76 586,77 kr Minutes - 3 days | |
Ways to receive money in Norway with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 SEK = 0.9573 NOK 76 586,77 krYou pay80 000,00 kr | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.9571 NOK +0.27% vs mid-market | Recipient gets 76 571,42 kr Minutes - 24 hours | |
Ways to receive money in Norway with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.9571 NOK 76 571,42 krYou pay80 000,00 kr | |||
 TorFx Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.9568 NOK +0.30% vs mid-market | Recipient gets 76 548,38 kr Minutes - 24 hours | |
Ways to receive money in Norway with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.9568 NOK 76 548,38 krYou pay80 000,00 kr | |||
| Wise Pay via Bank transfer | Fee 323,90 kr 1 SEK = 0.9597 NOK 0.00% vs mid-market | Recipient gets 76 465,31 kr Same day | |
Ways to receive money in Norway with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 323,90 kr1 SEK = 0.9597 NOK 76 465,31 krYou pay80 000,00 kr | |||
 CurrencyFair Pay via Bank transfer | Fee 26,05 kr 1 SEK = 0.9548 NOK +0.52% vs mid-market | Recipient gets 76 359,00 kr Minutes - 24 hours | |
Ways to receive money in Norway with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours 26,05 kr1 SEK = 0.9548 NOK 76 359,00 krYou pay80 000,00 kr | |||
 Currencies Direct Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.9538 NOK +0.62% vs mid-market | Recipient gets 76 304,00 kr Minutes - 24 hours | |
Ways to receive money in Norway with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.9538 NOK 76 304,00 krYou pay80 000,00 kr | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee 820,00 kr 1 SEK = 0.9589 NOK +0.09% vs mid-market | Recipient gets 75 922,77 kr Within minutes | |
Ways to receive money in Norway with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes 820,00 kr1 SEK = 0.9589 NOK 75 922,77 krYou 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 = 0.9463 NOK +1.40% vs mid-market | Recipient gets 75 703,82 kr Minutes - 2 days | |
Ways to receive money in Norway with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 SEK = 0.9463 NOK 75 703,82 krYou pay80 000,00 kr | |||
| Wise Pay via Debit card | Fee 1 187,45 kr 1 SEK = 0.9597 NOK 0.00% vs mid-market | Recipient gets 75 636,56 kr Same day | |
Ways to receive money in Norway with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 1 187,45 kr1 SEK = 0.9597 NOK 75 636,56 krYou pay80 000,00 kr | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee 1 260,00 kr 1 SEK = 0.9589 NOK +0.09% vs mid-market | Recipient gets 75 500,87 kr Within minutes | |
Ways to receive money in Norway with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes 1 260,00 kr1 SEK = 0.9589 NOK 75 500,87 krYou 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 Credit card | Fee 1 350,19 kr 1 SEK = 0.9597 NOK 0.00% vs mid-market | Recipient gets 75 480,38 kr Same day | |
Ways to receive money in Norway with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 1 350,19 kr1 SEK = 0.9597 NOK 75 480,38 krYou pay80 000,00 kr | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee 40,00 kr 1 SEK = 0.9094 NOK +5.39% vs mid-market | Recipient gets 72 752,00 kr Minutes - 24 hours | |
Ways to receive money in Norway with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 0.9094 NOK 72 752,00 krYou pay80 040,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee 40,00 kr 1 SEK = 0.9094 NOK +5.39% vs mid-market | Recipient gets 72 752,00 kr Minutes - 24 hours | |
Ways to receive money in Norway with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 0.9094 NOK 72 752,00 krYou pay80 040,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee 40,00 kr 1 SEK = 0.9094 NOK +5.39% vs mid-market | Recipient gets 72 752,00 kr Minutes - 24 hours | |
Ways to receive money in Norway with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 0.9094 NOK 72 752,00 krYou pay80 040,00 kr | |||
| How Our Results Work Mid-market rate: 1 SEK = 0.9597 NOK Updates every 60 minutes. | |||
Transfer details
For a one-off SEK transfer to Norway, I suggest picking the cheapest option which is Xe.
Xe was the cheapest on 3 of the 22 days it quoted kr80 000 transfers to Norway.
On a 80 000 SEK transfer, Xe delivers the most NOK.
The best option will change depending on how much you actually send, so I suggest to get the best SEK/NOK rate.
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.
Before you can send money to Norway, 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).
How much SEK you send to Norway 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 15% of the transfers from SEK 50,000 it quoted, and in 18% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| 5 000 kr | 0.23% | 12,90 kr | 4 785,97 krwith bank transfer to bank deposit | +86,74 kr | |
| 10 000 kr | 0.13% | 0,00 kr | 9 589,00 krwith debit card to bank deposit | +120,04 kr | |
| 25 000 kr | 0.21% | 0,00 kr | 23 995,00 krwith debit card to bank deposit | +404,62 kr | |
| 50 000 kr | 0.30% | 0,00 kr | 47 824,05 krwith bank transfer to bank deposit | +700,60 kr | |
| 80 000 krThis page | 0.23% | 0,00 kr | 76 600,00 krwith debit card to bank deposit | +1 003,81 kr |
Mid-market rate: 1 SEK = 0.9597 NOK
The cheapest way to send SEK to NOK 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 Norway.
Tue, 10 Nov 2026Mid-market rate76 778,72 kr Xe 76 600,00 krXe76 600,00 krKey Currency76 586,77 krRegency FX76 571,42 kr
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9561 | – | 76 490,56 kr | |
| | 0.9537 | 0,00 kr | 76 299,33 kr | −191,23 kr |
| | 0.9536 | 0,00 kr | 76 284,04 kr | −206,52 kr |
| | 0.9514 | 0,00 kr | 76 112,00 kr | −378,56 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9555 | – | 76 438,16 kr | |
| | 0.9531 | 0,00 kr | 76 247,06 kr | −191,10 kr |
| | 0.9529 | 0,00 kr | 76 231,78 kr | −206,38 kr |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9539 | – | 76 314,16 kr | |
| | 0.9539 | 323,90 kr | 76 004,31 kr | −309,85 kr |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 0.9545 | 323,90 kr | 76 053,55 kr | – |
| | 0.9490 | 0,00 kr | 75 920,00 kr | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 0.9522 | 323,90 kr | 75 867,74 kr | – |
| | 0.9470 | 0,00 kr | 75 760,00 kr | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9511 | – | 76 088,16 kr | |
| | 0.9487 | 0,00 kr | 75 897,94 kr | −190,22 kr |
| | 0.9485 | 0,00 kr | 75 882,72 kr | −205,44 kr |
| | 0.9310 | 0,00 kr | 74 480,00 kr | −1 608,16 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9511 | – | 76 088,16 kr | |
| | 0.9487 | 0,00 kr | 75 897,94 kr | −190,22 kr |
| | 0.9485 | 0,00 kr | 75 882,72 kr | −205,44 kr |
| | 0.9325 | 0,00 kr | 74 600,00 kr | −1 488,16 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9507 | – | 76 058,24 kr | |
| | 0.9484 | 0,00 kr | 75 868,09 kr | −190,15 kr |
| | 0.9482 | 0,00 kr | 75 852,88 kr | −205,36 kr |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9491 | – | 75 928,40 kr | |
| | 0.9467 | 0,00 kr | 75 738,58 kr | −189,82 kr |
| | 0.9465 | 0,00 kr | 75 723,39 kr | −205,01 kr |
| | 0.9442 | 0,00 kr | 75 536,00 kr | −392,40 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9480 | – | 75 838,48 kr | |
| | 0.9290 | 0,00 kr | 74 321,71 kr | −1 516,77 kr |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9459 | – | 75 672,56 kr | |
| | 0.9435 | 0,00 kr | 75 483,38 kr | −189,18 kr |
| | 0.9434 | 0,00 kr | 75 468,24 kr | −204,32 kr |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9402 | – | 75 213,92 kr | |
| | 0.9378 | 0,00 kr | 75 025,89 kr | −188,03 kr |
| | 0.9376 | 0,00 kr | 75 010,84 kr | −203,08 kr |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 0.9390 | 323,90 kr | 74 812,75 kr | – |
| | 0.9208 | 0,00 kr | 73 664,00 kr | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9422 | – | 75 373,12 kr | |
| | 0.9398 | 0,00 kr | 75 184,69 kr | −188,43 kr |
| | 0.9396 | 0,00 kr | 75 169,61 kr | −203,51 kr |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9385 | – | 75 078,64 kr | |
| | 0.9361 | 0,00 kr | 74 890,94 kr | −187,70 kr |
| | 0.9359 | 0,00 kr | 74 875,93 kr | −202,71 kr |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9350 | – | 74 796,56 kr | |
| | 0.9326 | 0,00 kr | 74 609,57 kr | −186,99 kr |
| | 0.9324 | 0,00 kr | 74 594,61 kr | −201,95 kr |
| | 0.9298 | 0,00 kr | 74 384,00 kr | −412,56 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9369 | – | 74 949,92 kr | |
| | 0.9345 | 0,00 kr | 74 762,55 kr | −187,37 kr |
| | 0.9343 | 0,00 kr | 74 747,56 kr | −202,36 kr |
| | 0.9317 | 0,00 kr | 74 536,00 kr | −413,92 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9342 | – | 74 732,08 kr | |
| | 0.9318 | 0,00 kr | 74 545,25 kr | −186,83 kr |
| | 0.9316 | 0,00 kr | 74 530,30 kr | −201,78 kr |
| | 0.9275 | 0,00 kr | 74 200,00 kr | −532,08 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9394 | – | 75 149,68 kr | |
| | 0.9370 | 0,00 kr | 74 961,81 kr | −187,87 kr |
| | 0.9368 | 0,00 kr | 74 946,78 kr | −202,90 kr |
| | 0.9368 | 0,00 kr | 74 944,00 kr | −205,68 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9371 | – | 74 970,96 kr | |
| | 0.9348 | 0,00 kr | 74 783,53 kr | −187,43 kr |
| | 0.9346 | 0,00 kr | 74 768,54 kr | −202,42 kr |
| | 0.9167 | 0,00 kr | 73 336,00 kr | −1 634,96 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9371 | – | 74 970,96 kr | |
| | 0.9348 | 0,00 kr | 74 783,53 kr | −187,43 kr |
| | 0.9346 | 0,00 kr | 74 768,54 kr | −202,42 kr |
| | 0.9223 | 0,00 kr | 73 784,00 kr | −1 186,96 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9401 | – | 75 211,36 kr | |
| | 0.9378 | 0,00 kr | 75 023,33 kr | −188,03 kr |
| | 0.9376 | 0,00 kr | 75 008,29 kr | −203,07 kr |
| | 0.9349 | 0,00 kr | 74 792,00 kr | −419,36 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9476 | – | 75 807,36 kr | |
| | 0.9454 | 0,00 kr | 75 632,00 kr | −175,36 kr |
| | 0.9452 | 0,00 kr | 75 617,84 kr | −189,52 kr |
| | 0.9450 | 0,00 kr | 75 602,68 kr | −204,68 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9489 | – | 75 915,52 kr | |
| | 0.9468 | 0,00 kr | 75 744,00 kr | −171,52 kr |
| | 0.9466 | 0,00 kr | 75 725,73 kr | −189,79 kr |
| | 0.9464 | 0,00 kr | 75 710,55 kr | −204,97 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9579 | – | 76 635,28 kr | |
| | 0.9555 | 0,00 kr | 76 443,69 kr | −191,59 kr |
| | 0.9554 | 0,00 kr | 76 428,36 kr | −206,92 kr |
| | 0.9520 | 0,00 kr | 76 160,00 kr | −475,28 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9489 | – | 75 914,32 kr | |
| | 0.9466 | 0,00 kr | 75 724,53 kr | −189,79 kr |
| | 0.9464 | 0,00 kr | 75 712,00 kr | −202,32 kr |
| | 0.9464 | 0,00 kr | 75 709,35 kr | −204,97 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9561 | – | 76 486,16 kr | |
| | 0.9537 | 0,00 kr | 76 294,94 kr | −191,22 kr |
| | 0.9535 | 0,00 kr | 76 279,65 kr | −206,51 kr |
| | 0.9395 | 0,00 kr | 75 160,00 kr | −1 326,16 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9561 | – | 76 486,16 kr | |
| | 0.9537 | 0,00 kr | 76 294,94 kr | −191,22 kr |
| | 0.9535 | 0,00 kr | 76 279,65 kr | −206,51 kr |
| | 0.9415 | 0,00 kr | 75 320,00 kr | −1 166,16 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9574 | – | 76 594,80 kr | |
| | 0.9550 | 0,00 kr | 76 403,31 kr | −191,49 kr |
| | 0.9548 | 0,00 kr | 76 387,99 kr | −206,81 kr |
| | 0.9518 | 0,00 kr | 76 144,00 kr | −450,80 kr |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.9597 | – | 76 778,72 kr | |
| | 0.9575 | 0,00 kr | 76 600,00 kr | −178,72 kr |
| | 0.9573 | 0,00 kr | 76 586,77 kr | −191,95 kr |
| | 0.9571 | 0,00 kr | 76 571,42 kr | −207,30 kr |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 0.9597 | – | 76 778,72 kr | |
|---|---|---|---|---|
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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 NOK 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 NOK on every transfer from Sweden.
Right now, Xe pays 76 600 NOK on 80 000 SEK, which is 178,72 NOK less than the mid-market amount.
Today's payout is the highest in the past month.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Norway.
We've tracked 146 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.
Cheapest in 42% of them
Cheapest in 71% of them
Never the cheapest
Based on 35 comparisons across 5 amounts over the last 7 days.
Cheapest in 18% of them
Cheapest in 88% of them
Never the cheapest
Based on 146 comparisons across 5 amounts over the last 30 days.
Cheapest in 11% of them
Cheapest in 96% of them
Never the cheapest
Based on 206 comparisons across 5 amounts over the last 90 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 NOK, but it was the cheapest in only 18% of the 93 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.
10 companies send money from Sweden to Norway, mostly through currency broker, online, app, multi-currency account, global business account, and in person, and a few more ways.
Medium-sized transfers
For a one-off transfer to Norway, an online service like Xe is usually the simplest place to start.
Xe charges kr0 to send 80 000 SEK, leaving your recipient with 76 600 NOK after a 0,23% markup on SEK/NOK exchange rate.
In our comparisons over the past month, it was the cheapest online service on 5 of the 22 days it quoted.
Regular SEK transfers
For smaller regular transfers, apps are the most convenient and easiest way to send money to Norway.
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 23% of the days it appeared for kr80 000 transfers.
Your recipient can withdraw via bank 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
A multi-currency account makes sense if you regularly need NOK.
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 NOK in your account.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
Paying from business accounts
If your business receives and sends money in Norway, a global account keeps the NOK in one place.
You can pay invoices from the balance and convert when needed.
WorldFirst and Airwallex are good options to try.
With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending 80 000 SEK gives your recipient 76 600 NOK.
From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, and in Norway, the recipient can use bank 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 NOK from a nearby MoneyGram agent in Norway.
Swish is useful for payments within Sweden, but it does not send NOK to Norway.
You pay kr80,000.00
kr76,600
Cheapest
You pay kr80,000.00
kr76,600
kr0
You pay kr80,000.00
kr76,600
kr0
You pay kr80,040.00
kr72,752
-kr3,848
You pay kr80,040.00
kr72,752
-kr3,848
You pay kr80,040.00
kr72,752
-kr3,848
Swedish banks are safe but often expensive for foreign payments. Compare money transfer companies available to get the most NOK from Sweden.
Cheapest way to send money to Norway
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 76 600 NOK, which is 0,02% more than the next best option.
Fastest way to send money to Norway
With Revolut, a bank transfer deposit and bank deposit payout delivers 75 922,77 NOK in within minutes.
Swish moves money between participating Swedish accounts, it cannot send SEK to Norway.
You may still use a Swedish bank transfer to pay for the transfer online, but beyond that, the company will move SEK to Norway 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.
Norway may have their own rules on receiving monetary gifts.
We track 10 companies sending SEK to Norway, 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/NOK 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.
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