Cheapest Way to Send Money from Sweden to Poland
A live, no-nonsense comparison of what Swedish money-transfer providers actually deliver in Poland — ranked by how many PLN land in your recipient’s account, not by marketing claims.
Quick answer
Sending SEK 10,000 from Sweden to Poland, Wise is currently the cheapest of 3 providers, delivering PLN 3,896 after a SEK 55.91 fee at the mid-market rate.
| # | Provider | Fee | Rate | They receive |
|---|---|---|---|---|
| 1 | Wise Cheapest | SEK 55.91 | 0.39 | PLN 3,896 |
| 2 | Swedbank AB | SEK 150.00 | 0.39 | PLN 3,835 |
| 3 | PayPal | SEK 19.99 | 0.37 | PLN 3,708 |
Comparing SEK 10,000 · rates from Wise’s public Comparison API, refreshed hourly (as of August 2026). Figures are a benchmark; the exact amount depends on payment method and timing. The table is ordered purely by amount received. NordicExpat may earn a commission if you open a Wise account through our link, at no extra cost to you — it does not affect the ranking.
Send money home without the bank markup
Most Swedish banks add a 3–5% hidden margin on the exchange rate when you send money abroad. Wise uses the real mid-market rate with a small, transparent fee shown upfront — so more of your money actually arrives.
- ✓ Hold SEK, EUR, GBP and 40+ currencies in one account
- ✓ Get a local EUR/GBP IBAN — useful before your Swedish bank is open
- ✓ Wise debit card works in Sweden and across the EU
Referral link — we may earn a reward if you sign up. It doesn't affect your fees.
Frequently asked questions
What is the cheapest way to send money from Sweden to Poland?
On a transfer of SEK 10,000, Wise currently delivers the most in Poland — PLN 3,896. Wise is the cheapest option here, using the mid-market exchange rate with a small transparent fee. Rankings are ordered purely by how much the recipient receives.
How much does it cost to send SEK 10,000 from Sweden to Poland?
The cheapest provider (Wise) charges a SEK 55.91 fee and delivers PLN 3,896. The difference between the best and worst provider on the same SEK 10,000 can be several hundred rupees, so the provider you choose matters more than the headline "no fee" claims.
Is Wise cheaper than a Swedish bank for sending money to Poland?
In this comparison, Wise delivers PLN 3,896 versus PLN 3,835 through Swedbank AB — a difference of PLN 61 on SEK 10,000. Banks usually build their margin into a worse exchange rate rather than a visible fee.
How often are these exchange rates updated?
The comparison is refreshed hourly from Wise’s public Comparison API, which publishes Wise’s own quote alongside competitors’ advertised fees and rates. Figures are a benchmark for guidance; the exact amount you receive depends on your payment method, the amount, and timing.
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