SwedenSEKSwedish Krona
Swedish krona (SEK) is a separate currency, not in the eurozone: the recipient receives SEK to an IBAN SE account (24 characters: SE + 22 digits), a Visa/Mastercard card, or in cash. Russians in Sweden - specialists, students, families - receive transfers from Russia through ATM24: transfers from individuals are not blocked, routed through unblocked correspondent banks. Your manager will select the current route.
The route, the receiving bank and the payout amount are agreed before payment.
Transfers to Sweden can be credited in Swedish krona (SEK) to a bank account with IBAN SE, Visa and Mastercard cards, or in cash. The country's largest banks — SEB, Handelsbanken, Nordea, and Swedbank — work with international SWIFT transfers, but the ability to receive a specific payment from Russia depends on the bank, correspondent chain, sanctions restrictions, and AML/KYC checks.
To transfer to a Swedish account, you typically need the recipient's IBAN in the format SE + 22 digits, totaling 24 characters, the bank's BIC/SWIFT code, and the recipient's full name. ATM24's commission is from 0.9% with no additional markups to agreed rates; the delivery time is several business days and depends on the chosen route.
Sweden is part of the EU but not the eurozone: the national currency is the Swedish krona (SEK), and independent monetary policy is conducted by Sveriges Riksbank. Bank account credits use IBAN SE details; an account in EUR or IBAN from another EU country is a different banking route. As an EU country, Sweden applies current sanctions against Russia, so ATM24 pre-checks available correspondent banks that are not subject to restrictions.
SEK. Cards are tied to IBAN SE. Issuing banks: SEB, Nordea, Swedbank. Commission from 0.9% with no markup to exchange rate. Delivery times - confirm with your manager
SEK. Format: SE + 22 digits, total 24 characters. Receiving banks: SEB, Handelsbanken, Nordea, Swedbank. Commission from 0.9% with no markup to exchange rate. Credit within several business days (confirm timing with your manager)
By arrangement with your manager. Confirm the list of pickup locations when arranging the transfer. Withdrawal in Swedish krona (SEK). Commission from 0.9%. Pickup locations - ask your ATM24 manager
Sweden is one of the popular destinations for Russians in Scandinavia. ATM24 routes SEK transfers through unblocked correspondent banks. For international transfers you need IBAN SE or a card. Confirm the current route with your manager.
We accept RUB, USD, EUR and USDT — we pay out in SEK
RUB SEK
0.1009per 1 RUB
10 000 ₽ = 1 009 SEKUSD SEK
8.96per 1 USD
100 $ = 896 SEKEUR SEK
9.88per 1 EUR
100 € = 988 SEKUSDT SEK
8.96per 1 USDT
100 USDT = 896 SEK| You send | Payout in SEK |
|---|---|
| 100 USDT | 896 SEK |
| 300 USDT | 2 687 SEK |
| 500 USDT | 4 478 SEK |
| 1 000 USDT | 8 956 SEK |
| 5 000 USDT | 44 779 SEK |
Where recipients usually get the money in Sweden
Nordea Sweden — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
Type: Private (public company); Accepts transfers from Russia: Yes (SWEDSESS - confirm route)
Type: Private (public company); Accepts transfers from Russia: Yes (HANDSESS - confirm route)
Type: Private (public company, Stockholm Stock Exchange); Accepts transfers from Russia: Yes (ESSESESS - confirm route)
Länsförsäkringar Bank — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
SEK (Swedish krona). Riksbank (Sveriges Riksbank) - central bank. Exchange rate floats freely against EUR and USD. Sweden has become nearly cashless: most transactions are conducted by card.
Card systems
Visa and Mastercard dominate the market; contactless payments are standard. BankAxept is a Norwegian system and is not used in Sweden. Apple Pay and Google Pay are supported by all major banks.
Payment apps
Klarna and Trustly are popular for online payments; BankID is the national digital identification system.
Interbank transfers
Swedish IBAN contains 24 characters: SE + 2 check digits + bank and account details. SWIFT through major banks: SEB (ESSESESS), Handelsbanken (HANDSESS), Nordea (NDEASESS), Swedbank (SWEDSESS). Sweden applies EU sanctions regime; routes from Russia require confirmation.
Financial regulator
Riksbank (Sveriges Riksbank) - central bank, responsible for monetary policy and payment system stability. Finansinspektionen (FI) - prudential supervision of banks and financial institutions. Sweden is part of the EU and applies EU sanctions regime.
Special features for ATM24
Sweden applies EU sanctions regime; direct SWIFT transfers from Russian details are restricted. ATM24 confirms the available route before approving the application. IBAN SE and the recipient bank's BIC/SWIFT code are required for credit.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
Sweden is in the EU but uses its own crown, SEK - below are answers to common questions about transfers and currency.
Sending money to Sweden with payout in SEK works best when the Sweden SEK payout route is checked before the sender pays. ATM24 verifies the route through a bank such as Swedbank or SEB, confirms the final payout amount, and shows the fee and timing in advance. Bank-route examples for Sweden: Swedbank, Svenska Handelsbanken, SEB, Nordea, and Danske Bank Sweden.
In Sweden, an SEK transfer may go to a bank-issued card or bank account depending on the receiving bank. ATM24 checks the Sweden SEK payout route through a bank such as Svenska Handelsbanken or Nordea and confirms whether card payout, account payout, or only one option is available. The sender pays after that route is confirmed. Bank-route examples for Sweden: Swedbank, Svenska Handelsbanken, SEB, Nordea, and Danske Bank Sweden.
Banks for an SEK transfer to Sweden should be checked by the recipient's actual route; common references include Swedbank, Svenska Handelsbanken, SEB, Nordea, and Danske Bank Sweden. ATM24 reviews bank name, account format, recipient-name spelling, and payout currency before the sender pays. A different bank can require a separate check.
Recipient details for Sweden in SEK depend on the bank or payout channel named in the order. ATM24 may need the recipient name, Swedbank or another bank, account or card data, and payment purpose. The sender pays only after those fields are confirmed. Bank-route examples for Sweden: Swedbank, Svenska Handelsbanken, SEB, Nordea, and Danske Bank Sweden.
For Sweden, an SEK payout may be fast only after the selected channel is checked. ATM24 reviews Swedbank, Svenska Handelsbanken, SEB, Nordea, and Danske Bank Sweden plus card or account payout options before giving timing. The manager confirms the expected time before the sender pays. Bank-route examples for Sweden: Swedbank, Svenska Handelsbanken, SEB, Nordea, and Danske Bank Sweden.
ATM24 calculates a transfer fee from 0.9% for payouts to Sweden in SEK. The final figure depends on the Sweden SEK payout route, amount, payment method, bank such as Svenska Handelsbanken, and whether the recipient receives money on a card or account. The sender sees the final payout amount before paying. Bank-route examples for Sweden: Swedbank, Svenska Handelsbanken, SEB, Nordea, and Danske Bank Sweden.
Payment for an SEK transfer to Sweden can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the Sweden SEK payout route, bank such as SEB, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for Sweden: Swedbank, Svenska Handelsbanken, SEB, Nordea, and Danske Bank Sweden.
The minimum transfer amount to Sweden in SEK through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Sweden SEK payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes Swedbank to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Sweden: Swedbank, Svenska Handelsbanken, SEB, Nordea, and Danske Bank Sweden.
For Sweden, extra documents for an SEK payout depend on the route through Svenska Handelsbanken, SEB, or another confirmed channel. ATM24 may ask for identification, source of funds, recipient details, and payment-purpose wording. The list is confirmed after the amount and bank route are reviewed. Bank-route examples for Sweden: Swedbank, Svenska Handelsbanken, SEB, Nordea, and Danske Bank Sweden.
For Sweden, a 1000 USD transfer can produce a different SEK result depending on the receiving route: 8,955.84 SEK. The ATM24 calculation includes Nordea or another confirmed bank, payout method, fee from 0.9%, and exchange conditions. The sender sees the final amount before payment. Bank-route examples for Sweden: Swedbank, Svenska Handelsbanken, SEB, Nordea, and Danske Bank Sweden.
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