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🇪🇺 EUR / 🇸🇪 SEK ✓ Official Mid-Market Rate (0% Markup) Independent Analysis

EUR to SEK Exchange Rate & Bank Wire Fee Comparison (2026)

Convert Euro (EUR) to Swedish Krona (SEK). The live interbank midpoint rate is 1 EUR = 11.4873 SEK. Compare hidden currency conversion spreads across major international wire systems.

Live Converter

EUR to SEK Real-Time Calculator

Sourced via Central Bank Interbank Feeds
Quick amounts
€
→
kr
11,487.29
Official benchmark rate (0% markup applied)
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Historical Benchmarks

EUR to SEK Historical Exchange Rates

Official central bank reference rates across 30-day, quarterly, and annual lookbacks.

Official Reference Feeds
Period Interbank Midpoint Yield on €1,000 Trend / Variance
Today (Interbank Midpoint) 1 EUR = 11.4873 SEK kr11,487.29 Current Live Rate
30 Days Ago 1 EUR = 11.4413 SEK kr11,441.34 +0.4% (Higher)
90 Days Ago (Quarterly) 1 EUR = 11.6251 SEK kr11,625.14 -1.2% (Lower)
180 Days Ago (Half-Year) 1 EUR = 11.2461 SEK kr11,246.06 +2.1% (Higher)
1 Year Ago (52W Midpoint) 1 EUR = 11.4873 SEK kr11,487.29 -0.0% vs Annual Baseline
Settlement Timeline

EUR to SEK Delivery & Settlement Windows

Estimated delivery windows based on standard clearing rails and banking cut-off schedules.

Target System: Bankgirot / Swish / IBAN
Direct Domestic Rail 0 - 2 Hours

Local Automated Clearing

Transfers settling through local domestic rails (Bankgirot / Swish / IBAN) typically clear within hours during standard operating windows.

Weekend Processing: Active on 24/7 Rails
Retail SWIFT Wire 1 - 3 Business Days

Correspondent Banking

Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.

Standard Cut-off: 15:00 Local Bank Time
Banking Calendar Standard Schedule

Cut-off & Holiday Factors

Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.

Holiday Settlement: Next Business Day
⚠️

Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (Bankgirot / Swish / IBAN). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.

Transfer Preparation

Required Details to Wire EUR to SEK

Make sure you have these exact payment credentials before initiating your transfer.

1. Recipient Identity

Beneficiary Full Name

Exact match as registered on recipient bank account.

2. Account Identifier

Bankgirot / Swish / IBAN

IBAN, Account Number, or local domestic routing code.

3. Bank Code

SWIFT / BIC Code

8 or 11 character identifier of the recipient's bank branch.

4. Transfer Purpose

Payment Reference

Invoice number or descriptive reference for AML compliance.

Macroeconomic Analysis

EUR vs SEK: Central Bank Policy & Inflation Matrix

Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.

Official Macro Indicators
🇪🇺

Euro (EUR)

European Central Bank (ECB)

Policy Rate

3.75%

Benchmark rate
Annual CPI Inflation

2.2%

Consumer prices
Estimated Real Yield (Rate - Inflation): +1.5%
🇸🇪

Swedish Krona (SEK)

Riksbank

Policy Rate

3.25%

Benchmark rate
Annual CPI Inflation

1.9%

Consumer prices
Estimated Real Yield (Rate - Inflation): +1.4%
Policy Rate Differential: 0.50% (EUR vs SEK)
Inflation Differential: 0.30% (Annual CPI spread)
ℹ️

Macroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (European Central Bank (ECB), Riksbank) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.

Corridor Volatility & Trend

52-Week Exchange Rate Position

Liquidity Status: High & Stable
52W Low: kr11.0278 Current: kr11.4873 52W High: kr11.9468
Lower bound Current rate sits at 50.0% of annual range Upper bound
Independent Market Analysis

Compare Wire Transfer Costs: EUR to SEK

Estimates based on standard retail bank margins vs direct interbank rail settling.

Zero Promotional Bias
€1,000 EUR
€250 €5,000 €10,000 €20,000
Benchmark

Direct Midpoint Rail

0.0% Rate Markup (Interbank)

Rail Fee:€4.50
Rate:11.4873
Clearing:Instant / Same Day
Recipient Receives

kr11,487.29

Maximum Yield

Optimal Benchmark Rail
Retail SWIFT

Commercial Banks

~3.2% Hidden FX Margin

SWIFT Fee:€25.00
Bank Rate:11.1197
Speed:2-4 Business Days
Recipient Receives

kr872.53

-Lost to Hidden Margin

High Intermediary Margin
Consumer Wallet

Global Wallets

3.5% Currency Spread

Tx Fee:€4.99
Rate:11.0852
Speed:Instant (Closed Wallet)
Recipient Receives

kr887.41

Closed loop balance

Convenient but Marked Up
Cash Agent

Cash Remittance

Retail Spread + Cash Fee

Counter Fee:€8.00
Rate:11.2116
Speed:Physical Counter / 1 Day
Recipient Receives

kr896.12

Physical cash pickup

Agent Network Fee
Lookup Tables

EUR to SEK Fast Conversion Matrix

Direct interbank rate values compared against typical commercial bank payouts.

🇪🇺 EUR to 🇸🇪 SEK

1 EUR = 11.4873 SEK
Amount Mid-Market Rate Bank Payout Hidden Spread
€1 EUR kr11.49 SEK kr0.00 -kr222.76
€5 EUR kr57.44 SEK kr0.00 -kr224.23
€10 EUR kr114.87 SEK kr0.00 -kr226.07
€25 EUR kr287.18 SEK kr55.60 -kr231.58
€50 EUR kr574.36 SEK kr333.59 -kr240.77
€100 EUR kr1,148.73 SEK kr889.58 -kr259.15
€250 EUR kr2,871.82 SEK kr2,557.53 -kr314.29
€500 EUR kr5,743.64 SEK kr5,337.45 -kr406.19
€1,000 EUR kr11,487.29 SEK kr10,897.30 -kr589.99
€5,000 EUR kr57,436.45 SEK kr55,376.09 -kr2,060.36
€10,000 EUR kr114,872.90 SEK kr110,974.57 -kr3,898.33

🇸🇪 SEK to 🇪🇺 EUR (Reverse)

1 SEK = 0.0871 EUR
Amount Mid-Market Rate Bank Payout Hidden Spread
kr1 SEK €0.09 EUR €0.00 -€1.69
kr5 SEK €0.44 EUR €0.00 -€1.70
kr10 SEK €0.87 EUR €0.00 -€1.71
kr25 SEK €2.18 EUR €0.42 -€1.75
kr50 SEK €4.35 EUR €2.53 -€1.82
kr100 SEK €8.71 EUR €6.74 -€1.96
kr250 SEK €21.76 EUR €19.38 -€2.38
kr500 SEK €43.53 EUR €40.45 -€3.08
kr1,000 SEK €87.05 EUR €82.58 -€4.47
kr5,000 SEK €435.27 EUR €419.65 -€15.61
kr10,000 SEK €870.53 EUR €840.99 -€29.54
Mid-Market Rate

11.4873

1 EUR = kr11.4873

Inverse Rate

0.0871

1 SEK = €0.0871

52-Week Range

11.0278 - 11.9468

Annual volatility band

Target Bank System

Bankgirot / Swish / IBAN

Clearing rail for SEK

Knowledge Base

Frequently Asked Questions (EUR to SEK)

Click any question to expand
Q What is the current exchange rate for EUR to SEK?
As of 2026, the real mid-market interbank rate is 1 EUR = 11.48729 SEK. This is the true benchmark rate with zero hidden bank markup.
Q How much does a bank charge to send EUR to SEK?
Most traditional high-street banks charge a front-end wire fee of around €25 plus a 2.5% to 4% hidden exchange rate markup. On a €1,000 transfer, you typically lose around kr593.90 compared to specialized neobanks like Wise.
Q What bank codes are needed to send SEK to Sweden?
To receive SEK in Sweden, the recipient typically needs to provide their Bankgirot / Swish / IBAN.
Q How fast does an international transfer take between EUR and SEK?
Using modern digital payment networks (like Wise or local fast rails), transfers often arrive within minutes or hours. Traditional SWIFT bank wires take 2 to 4 business days.

Related Corridors From EUR

View Reverse: SEK to EUR →

EUR → USD

1 EUR = 1.0817 USD

EUR → GBP

1 EUR = 0.8345 GBP

EUR → JPY

1 EUR = 164.8459 JPY

EUR → CAD

1 EUR = 1.4981 CAD