How to send money to Finland from Sweden with the best SEK-EUR rate

Comparing providers offering services between Sweden and Finland, based on your specific needs is the best way to send money with confidence.

Based on the availability of companies for SEK/EUR

• Wise is our top pick for sending Swedish Krona to Finland. A transfer of 80,000 Swedish Kronas to EUR will cost you kr357.72 in fees, and you will receive 7,230.05 EUR. The transfer time is same day, but might be a bit longer depending on the day you make the transfer.

• Of the 12 providers compared, Key Currency is the cheapest option for sending money right now. We found that Key Currency is 0.01% cheaper than the second-best option.

• Fastest way to send money to Finland from Sweden is via Revolut. The transfer time is within minutes with Revolut for a kr80,000 transfer, but it will depend on the time, day of the week, and the amount you send.

Our comparison includes 12 companies that provide the ability to send Swedish Krona to Finland.

This ensures you get the best options for transfers to Finland from Sweden, based on the amount you want to send.

The exchange rate determines the price you’ll pay for Euro when sending Swedish Krona to Finland.

The rate between the Swedish Krona and Euro is currently 0.0902. Wise offers the best exchange from SEK-EUR.

The total cost of sending money to Finland from Sweden is a mix of the mid-market, exchange rates and transfer fees.

• The Mid-Market and Exchange Rates: The mid-market for SEK-EUR is 0.0902 EUR per Swedish Krona.

• Fees: When sending money there may be additional fees. Key Currency offers the lowest fee of the 12 providers tested, costing justs 0 SEK per transfer.

• Amount Received: When comparing providers, the best measure is the amount of Euro eventually received in Finland.

This number should allow you to determine if you are getting a good deal. A higher amount of money received in Finland, means a better overall cost of sending money from Sweden.

Sending money via a bank transfer is the recommended option for sending money from Sweden to Finland.

Here are the popular ways to send money from Sweden to Finland:

Bank transfers

Bank transfers are often the best payment method for money transfers from Sweden to Finland.

A money transfer company like Key Currency offer bank transfers between Sweden and Finland with lower fees and better exchange rates than you would get from a traditional bank. 


Debit and prepaid cards

Sending money from Sweden to Finland with a debit or a prepaid card is very simple with Wise.


Wise is a leader in debit card payments for transfers from Sweden to Finland, competing among a total of 12 active money transfer companies on this route.

Credit cards

Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.

We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.

Ensuring you fully understand regulations in Sweden and Finland will aid in keeping your money safe.

Our directory of worldwide financial regulators contains details on regulation for sending money between Sweden and Finland.

Some services between Sweden and Finland have minimum or maximum thresholds on how much you can transfer. This is applies when receiving money in Finland as well.

Companies will offer different rates and fees for different transfer amounts. For regular transfers to Finland, use Wise. The combination of rates and fees when sending from Sweden to Finland is the most competitive, even at larger amounts.

Also, always check with the recipient and understand any declarations needed on large amounts of money leaving Sweden, or entering Finland. Mis-understanding these could result in a slower, or even failed, transfer.

There are different ways to receive Euro in Finland. This includes a direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.

Not all providers serving transfers from Sweden to Finland will offer every method for incoming Euro, so it’s best to check ahead of time.

One of the more common ways to transfer from Sweden into Euro is directly into a bank account. Wise is the best company for bank transfers between Sweden and Finland.

And if you need cash right away, check if cash pickup is an option for transfers between Sweden and Finland.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Key Currency.

When signing up to and sending Swedish Krona to Finland, through a money transfer company, you will have to verify your ID.

The precise documents you need will vary and in some cases you will need more than one.

For the most part however, in Sweden this will be a government issued ID such as a passport or driver's license. In Finland it will be similar, although this should only be needed if you are opening a new account in Finland, or collecting in cash. Sending to an existing bank account in Finland shouldn’t require any additional ID checks.

Large transactions between Sweden and Finland, are subject to additional checks. A provider may ask you for proof of address or may want to carry out a proof of funds check.

One of the reasons Wise has scored so highly for transfers to Finland is their easy sign up process in Sweden.

When sending large amounts of money between Sweden and Finland there will potentially be a tax declaration to consider.

Some transfers into Euro may need to be reported to tax authorities in Finland, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances will change in Finland based on age, income and a few other elements. When in doubt, please contact a tax professional in Sweden or Finland to discuss your personal circumstances.