Compare the best ways to send money from United States to Sweden

We compared 10 companies sending money from the United States to Sweden. Xe is the best and cheapest, while Revolut is the fastest.

Sending $7,000 with Xe gets your recipient 69,618.5 SEK at 9.9455 SEK per USD.

Best companies for USD/SEK transfers

10 of 10 providers

Last updated on 28 October 2026

Based on 7,000 USD transfer

Best companies for USD/SEK transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee $28.54 1 USD = 9.9597 SEK 0.00% vs mid-market Recipient gets kr 69,433.72 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$28.541 USD = 9.9597 SEK
kr 69,433.72You pay$7,000.00
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 9.9455 SEK +0.14% vs mid-market Recipient gets kr 69,618.50 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 9.9455 SEK
kr 69,618.50You pay$7,000.00

Run a live search

Showing top United States to Sweden deals for 7,000 USD. Do a live search with your exact amount for today's best rates.

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 9.9455 SEK +0.14% vs mid-market Recipient gets kr 69,618.50 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 9.9455 SEK
kr 69,618.50You pay$7,000.00
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee $0.00 1 USD = 9.9350 SEK +0.25% vs mid-market Recipient gets kr 69,545.07 Minutes - 3 days
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 USD = 9.9350 SEK
kr 69,545.07You pay$7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 9.9330 SEK +0.27% vs mid-market Recipient gets kr 69,531.13 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 9.9330 SEK
kr 69,531.13You pay$7,000.00

Wise

Pay via Bank transfer
Fee $28.54 1 USD = 9.9597 SEK 0.00% vs mid-market Recipient gets kr 69,433.72 Within minutes
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$28.541 USD = 9.9597 SEK
kr 69,433.72You pay$7,000.00

OFX

Pay via Bank transfer
Fee $0.00 1 USD = 9.9101 SEK +0.50% vs mid-market Recipient gets kr 69,370.77 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in Sweden with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 9.9101 SEK
kr 69,370.77You pay$7,000.00

Currencies Direct

Pay via Bank transfer
Fee $0.00 1 USD = 9.9037 SEK +0.57% vs mid-market Recipient gets kr 69,325.90 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 9.9037 SEK
kr 69,325.90You pay$7,000.00

Xe

Pay via Debit card
Fee $35.00 1 USD = 9.9455 SEK +0.14% vs mid-market Recipient gets kr 69,270.41 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$35.001 USD = 9.9455 SEK
kr 69,270.41You pay$7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee $40.50 1 USD = 9.9446 SEK +0.15% vs mid-market Recipient gets kr 69,209.10 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
$40.501 USD = 9.9446 SEK
kr 69,209.10You pay$7,000.00

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.

CurrencyFair

Pay via Bank transfer
Fee $3.01 1 USD = 9.8860 SEK +0.74% vs mid-market Recipient gets kr 69,172.00 Minutes - 24 hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$3.011 USD = 9.8860 SEK
kr 69,172.00You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $1.99 1 USD = 9.8595 SEK +1.01% vs mid-market Recipient gets kr 69,016.50 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
$1.991 USD = 9.8595 SEK
kr 69,016.50You pay$7,001.99
Cash pickupMinutes - 24 hours
$5.991 USD = 8.9650 SEK
kr 62,755.00You pay$7,005.99
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $1.99 1 USD = 9.8397 SEK +1.21% vs mid-market Recipient gets kr 68,877.90 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
$1.991 USD = 9.8397 SEK
kr 68,877.90You pay$7,001.99
Cash pickupMinutes - 24 hours
$75.991 USD = 8.9650 SEK
kr 62,755.00You pay$7,075.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $177.99 1 USD = 9.8397 SEK +1.21% vs mid-market Recipient gets kr 68,877.90 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
$177.991 USD = 9.8397 SEK
kr 68,877.90You pay$7,177.99
Cash pickupMinutes - 24 hours
$179.991 USD = 8.9650 SEK
kr 62,755.00You pay$7,179.99

Moneycorp

Pay via Bank transfer
Fee $0.00 1 USD = 9.8205 SEK +1.40% vs mid-market Recipient gets kr 68,743.30 Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 USD = 9.8205 SEK
kr 68,743.30You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $60.79 1 USD = 9.6802 SEK +2.85% vs mid-market Recipient gets kr 67,761.40 Minutes - 24 hours

Ways to receive money in Sweden with MoneyGram when paying by cash deposit.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$60.791 USD = 9.6802 SEK
kr 67,761.40You pay$7,060.79

Xe

Pay via Credit card
Fee $210.00 1 USD = 9.9455 SEK +0.14% vs mid-market Recipient gets kr 67,529.94 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$210.001 USD = 9.9455 SEK
kr 67,529.94You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 9.9599 SEK Updates every 60 minutes.

How to send money from US to Sweden

Pick a company

If you're sending a one-off transfer, then Xe is the best option.

Xe was the cheapest on 2 of the 30 days it quoted $7,000 transfers to Sweden.

For recurring transfers, I'd suggest using an app or a multi-currency account with Xe.

For large transfers, a broker like Xe is the best option.

If your recipient needs cash, MoneyGram is the cheapest.

How much you send will affect the best option for you right now.

Pay for it

You have 4 ways to pay for your transfer to Sweden, including bank transfer, debit card, credit card, and cash deposit.

Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a day or two).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but its a bit more expensive.

I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).

Check and send

First time round you'll need to confirm who you are.

An SSN isn't required, an ITIN or a foreign passport works with most companies here.

Compare amounts

How much USD are you sending to Sweden?

How much USD you send to Sweden 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 4% of the transfers from $5,000 it quoted, and in 8% of all the transfers it quoted.

Cheapest service
$500-1.10%$0.00kr 5,033.50with debit card to bank deposit+kr 154.29
$2,000-0.25%$0.00kr 19,973.20with remitly wallet to bank deposit+kr 391.68
$5,0000.11%$0.00kr 49,728.00with bank transfer to bank deposit+kr 415.74
$7,000This page0.14%$0.00kr 69,618.50with bank transfer to bank deposit+kr 599.60
$10,0000.12%$0.00kr 99,393.00with bank transfer to bank deposit+kr 838.80
$50,0000.14%$0.00kr 496,820.00with bank transfer to bank deposit+kr 3,789.42
$100,0000.15%$0.00kr 993,510.00with bank transfer to bank deposit+kr 7,552.33
$250,0000.15%$0.00kr 2,486,187.62with bank transfer to bank deposit+kr 19,318.79

Mid-market rate: 1 USD = 9.9599 SEK

USD/SEK Exchange Rate History

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

The cheapest way to send USD to SEK 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 7,000 USD transfers to Sweden.

SEK received for $7,000, after fees

Wed, Oct 28, 2026Mid-market ratekr 69,719.37 Xe kr 69,618.50Xekr 69,618.50Key Currencykr 69,545.07Regency FXkr 69,531.13

68,000
68,500
69,000
69,500
70,000
70,500
71,000
At the mid-market rateWith the cheapest optionXeKey CurrencyRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9759 – kr 69,831.37
Key Currency Cheapest 9.9510 $0.00 kr 69,656.79 −kr 174.58
Regency FX 9.9490 $0.00 kr 69,642.83 −kr 188.54
Xe 9.9254 $0.00 kr 69,477.80 −kr 353.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9738 – kr 69,816.46
Key Currency Cheapest 9.9488 $0.00 kr 69,641.92 −kr 174.54
Regency FX 9.9469 $0.00 kr 69,627.96 −kr 188.50
Xe 9.9241 $0.00 kr 69,468.70 −kr 347.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.0303 – kr 70,212.31
Key Currency Cheapest 10.0053 $0.00 kr 70,036.78 −kr 175.53
Regency FX 10.0032 $0.00 kr 70,022.74 −kr 189.57
Xe 9.9776 $0.00 kr 69,843.20 −kr 369.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.0353 – kr 70,246.81
Key Currency Cheapest 10.0102 $0.00 kr 70,071.20 −kr 175.61
Regency FX 10.0082 $0.00 kr 70,057.15 −kr 189.66
Xe 9.9864 $0.00 kr 69,904.80 −kr 342.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.0401 – kr 70,280.73
Key Currency Cheapest 10.0150 $0.00 kr 70,105.03 −kr 175.70
Regency FX 10.0130 $0.00 kr 70,090.97 −kr 189.76
Xe 9.9292 $0.00 kr 69,504.40 −kr 776.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.0401 – kr 70,280.73
Key Currency Cheapest 10.0150 $0.00 kr 70,105.03 −kr 175.70
Regency FX 10.0130 $0.00 kr 70,090.97 −kr 189.76
Xe 9.9238 $0.00 kr 69,466.60 −kr 814.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.0760 – kr 70,531.76
Key Currency Cheapest 10.0508 $0.00 kr 70,355.43 −kr 176.33
Regency FX 10.0488 $0.00 kr 70,341.32 −kr 190.43
Xe 10.0260 $0.00 kr 70,182.00 −kr 349.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.0398 – kr 70,278.92
Key Currency Cheapest 10.0147 $0.00 kr 70,103.22 −kr 175.69
Regency FX 10.0127 $0.00 kr 70,089.16 −kr 189.75
Xe 9.9988 $0.00 kr 69,991.60 −kr 287.31
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.0242 – kr 70,169.12
Key Currency Cheapest 9.9991 $0.00 kr 69,993.70 −kr 175.42
Regency FX 9.9971 $0.00 kr 69,979.66 −kr 189.46
Xe 9.9776 $0.00 kr 69,843.20 −kr 325.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.0230 – kr 70,161.27
Key Currency Cheapest 9.9980 $0.00 kr 69,985.86 −kr 175.41
Regency FX 9.9960 $0.00 kr 69,971.83 −kr 189.44
Xe 9.9750 $0.00 kr 69,825.00 −kr 336.27
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9563 – kr 69,694.31
Key Currency Cheapest 9.9314 $0.00 kr 69,520.07 −kr 174.24
Regency FX 9.9294 $0.00 kr 69,506.14 −kr 188.17
Xe 9.9091 $0.00 kr 69,363.70 −kr 330.61
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9992 – kr 69,994.43
Key Currency Cheapest 9.9742 $0.00 kr 69,819.44 −kr 174.99
Regency FX 9.9722 $0.00 kr 69,805.44 −kr 188.99
Xe 9.8813 $0.00 kr 69,169.10 −kr 825.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9992 – kr 69,994.43
Key Currency Cheapest 9.9742 $0.00 kr 69,819.44 −kr 174.99
Regency FX 9.9722 $0.00 kr 69,805.44 −kr 188.99
Xe 9.8771 $0.00 kr 69,139.70 −kr 854.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.0014 – kr 70,009.63
Key Currency Cheapest 9.9764 $0.00 kr 69,834.60 −kr 175.02
Regency FX 9.9744 $0.00 kr 69,820.60 −kr 189.02
Xe 9.9554 $0.00 kr 69,687.80 −kr 321.82
Exchange rateFeeRecipient getsDifference
Mid-market rate 10.0043 – kr 70,030.00
Key Currency Cheapest 9.9793 $0.00 kr 69,854.92 −kr 175.07
Regency FX 9.9773 $0.00 kr 69,840.91 −kr 189.08
Xe 9.9558 $0.00 kr 69,690.60 −kr 339.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9546 – kr 69,681.89
Key Currency Cheapest 9.9297 $0.00 kr 69,507.68 −kr 174.21
Regency FX 9.9277 $0.00 kr 69,493.74 −kr 188.14
Xe 9.9081 $0.00 kr 69,356.70 −kr 325.18
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9746 – kr 69,822.41
Key Currency Cheapest 9.9497 $0.00 kr 69,647.85 −kr 174.56
Regency FX 9.9477 $0.00 kr 69,633.89 −kr 188.52
Xe 9.9271 $0.00 kr 69,489.70 −kr 332.71
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9162 – kr 69,413.16
Key Currency Cheapest 9.8914 $0.00 kr 69,239.62 −kr 173.54
Regency FX 9.8894 $0.00 kr 69,225.74 −kr 187.41
Xe 9.8676 $0.00 kr 69,073.20 −kr 339.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9124 – kr 69,386.83
Key Currency Cheapest 9.8876 $0.00 kr 69,213.36 −kr 173.47
Regency FX 9.8856 $0.00 kr 69,199.48 −kr 187.35
Xe 9.7855 $0.00 kr 68,498.50 −kr 888.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9124 – kr 69,386.83
Key Currency Cheapest 9.8876 $0.00 kr 69,213.36 −kr 173.47
Regency FX 9.8856 $0.00 kr 69,199.48 −kr 187.35
Xe 9.8044 $0.00 kr 68,630.80 −kr 756.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9231 – kr 69,461.49
Key Currency Cheapest 9.8983 $0.00 kr 69,287.84 −kr 173.65
Regency FX 9.8963 $0.00 kr 69,273.94 −kr 187.55
Xe 9.8778 $0.00 kr 69,144.60 −kr 316.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.8947 – kr 69,262.66
Key Currency Cheapest 9.8699 $0.00 kr 69,089.50 −kr 173.15
Regency FX 9.8679 $0.00 kr 69,075.65 −kr 187.01
Xe 9.8475 $0.00 kr 68,932.50 −kr 330.15
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9034 – kr 69,324.08
Key Currency Cheapest 9.8787 $0.00 kr 69,150.77 −kr 173.31
Regency FX 9.8767 $0.00 kr 69,136.90 −kr 187.18
Xe 9.8575 $0.00 kr 69,002.50 −kr 321.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.8984 – kr 69,288.77
Key Currency Cheapest 9.8736 $0.00 kr 69,115.54 −kr 173.23
Regency FX 9.8717 $0.00 kr 69,101.69 −kr 187.07
Xe 9.8516 $0.00 kr 68,961.20 −kr 327.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9305 – kr 69,513.36
Key Currency Cheapest 9.9057 $0.00 kr 69,339.58 −kr 173.78
Regency FX 9.9037 $0.00 kr 69,325.67 −kr 187.69
Xe 9.8835 $0.00 kr 69,184.50 −kr 328.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9318 – kr 69,522.63
Key Currency Cheapest 9.9070 $0.00 kr 69,348.82 −kr 173.81
Regency FX 9.9050 $0.00 kr 69,334.92 −kr 187.71
Xe 9.8114 $0.00 kr 68,679.80 −kr 842.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9318 – kr 69,522.63
Key Currency Cheapest 9.9070 $0.00 kr 69,348.82 −kr 173.81
Regency FX 9.9050 $0.00 kr 69,334.92 −kr 187.71
Xe 9.8271 $0.00 kr 68,789.70 −kr 732.93
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9386 – kr 69,569.96
Key Currency Cheapest 9.9137 $0.00 kr 69,396.03 −kr 173.93
Regency FX 9.9117 $0.00 kr 69,382.12 −kr 187.84
Xe 9.8919 $0.00 kr 69,243.30 −kr 326.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9607 – kr 69,724.80
Xe Cheapest 9.9474 $0.00 kr 69,631.80 −kr 92.99
Key Currency 9.9358 $0.00 kr 69,550.48 −kr 174.32
Regency FX 9.9338 $0.00 kr 69,536.54 −kr 188.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 9.9599 – kr 69,719.37
Xe Cheapest 9.9455 $0.00 kr 69,618.50 −kr 100.87
Key Currency 9.9350 $0.00 kr 69,545.07 −kr 174.30
Regency FX 9.9330 $0.00 kr 69,531.13 −kr 188.24

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send $7,000, after fees, as quoted by each company. The mid-market line shows what $7,000 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.

Understanding USD/SEK exchange rate

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 SEK per USD 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 SEK on every transfer from US.

Right now, Xe pays 69,618.5 SEK on 7,000 USD, which is 100.87 SEK less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 70,355.43 SEK.

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 Sweden.

We've tracked 207 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

  1. XeAppeared in 177 comparisons

    Cheapest in 8% of them

  2. Key CurrencyAppeared in 117 comparisons

    Cheapest in 95% of them

  3. Regency FXAppeared in 117 comparisons

    Never the cheapest

Based on 207 comparisons across 8 amounts over the last 30 days.

Is the cheapest money transfer company always the best?

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 analyze 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 SEK, but it was the cheapest in only 8% of the 177 comparisons it appeared in over the past month.

Key Currency (today's second cheapest) was the cheapest in 95% of its comparisons, so if you send money to Sweden regularly, it's worth comparing it with Xe before each transfer.

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

Ways to send money from the US to Sweden

There are 10 companies available for sending money from the US to Sweden, across broker, online, app, multi-currency account, global account, and in person, and more.

For regular transfers home

Money transfer apps

If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.

Xe charges $0 on a $7,000 transfer with 0.14% markup, saves your recipient's details for next time, and SEK arrives in minutes - 24 hours.

Over the past month, Xe was the cheapest app on 7% of the days it appeared for $7,000 transfers.

Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.

Sending without a US bank account

Cash & in-person transfers

Paying in cash at an agent can work without a US bank account.

The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.

Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 69,016.5 SEK in minutes - 24 hours.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).

For one-off transfers

Online transfers

For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Sweden.

Of all online companies listed here, Xe gets you the most SEK per USD.

On a $7,000 transfer, you will get 69,618.5 SEK after a $0 fee and 0.14% markup.

In our comparisons over the past month, it was the cheapest online service on 2 of the 30 days it quoted.

But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.

For transfers over $10,000

Currency brokers

For large transfers to Sweden (e.g. a property purchase, tuition, or moving to Sweden), a broker like Xe charges no fee, gives you a dedicated account manager, and adds 0.14% markup on USD/SEK that gets lower the more you send.

Our analysis shows Xe was the cheapest broker in 15% of the transfers from $5,000 it quoted.

It's also good to check Wise since you get a bulk discount on transfers over $25,000.

Business payments from the US

Global accounts

Global accounts are for US businesses paying people abroad.

Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.

Holding & spending currencies

Multi-currency accounts

A multi-currency account like Wise is the best for holding and receiving SEK.

This is useful for traveling to Sweden, building up SEK balance, or receiving payments in SEK.

Wise converts $7,000 at 0% markup plus small fee and holds the SEK until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund USD and receive SEK in Sweden

With Xe, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 69,618.5 SEK.

Deposit USD by bank transfer, debit card, credit card, and cash deposit.

The simplest way is to pay from your US checking account

Pay by bank transfer using your routing and account numbers.

An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Sweden.

You can deposit cash

You'll need to visit the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 69,016.5 SEK on a $7,000 transfer after fees.

Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.

Zelle, Venmo and Cash App only support domestic transfers, so they cannot send money to Sweden.

Your recipient in Sweden can collect SEK through bank deposit and cash pickup.

They can collect cash in Sweden

Your recipient can collect SEK from a participating MoneyGram location in Sweden.

They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.

  1. 1
    Bank transfer Bank deposit

    You pay $7,000.00

    kr69,619

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay $7,000.00

    kr69,270

    -kr348

  3. 3
    Credit card Bank deposit

    You pay $7,177.99

    kr68,878

    -kr741

  4. 4
    Cash deposit Cash pickup

    You pay $7,060.79

    kr67,761

    -kr1,857

  5. 5
    Bank transfer Cash pickup

    You pay $7,005.99

    kr62,755

    -kr6,864

Show moreShow less
  1. 6
    Debit card Cash pickup

    You pay $7,075.99

    kr62,755

    -kr6,864

  2. 7
    Credit card Cash pickup

    You pay $7,179.99

    kr62,755

    -kr6,864

Things to consider before sending USD to Sweden

The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.

Find the right USD/SEK company

Cheapest way to send money to Sweden

The cheapest option is Xe, funded by bank transfer with bank deposit for the payout. Your recipient gets 69,618.5 SEK, which is 0.11% more than the next best option.

Fastest way to send money to Sweden

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 69,209.1 SEK, with the money arriving in within minutes.

Cash-funded transfers now carry a 1% tax

Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.

Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.

The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.

The $10,000 rule is not a transfer limit

There is no federal cap on how much of your own money you can send electronically abroad.

Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.

Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.

Do not split cash transactions to avoid a report.

You normally have 30 minutes to cancel

The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.

You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.

You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to Sweden?

For transfers over $10,000, Wise is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to Sweden.

While Wise may not always be the cheapest or fastest way to send SEK, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

Read Review

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Sweden and United States.


We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 207 comparisons across 8 amounts.

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

For a deeper understanding of our commitment to integrity and transparency, check out these articles:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.