SEK to CNY

The SEK/CNY exchange rate: what you are looking at

This page brings together the rate for Swedish Krona (SEK) and Chinese Yuan (CNY) and sets it next to the prices that banks, money apps and exchanges actually ask. As of October 30, 2026, 1 SEK buys 0.676889 CNY, while a single CNY comes to 1.4773 SEK.

The rate shown above is the mid-market rate. It is calculated as the middle of the buying and selling prices on the wholesale market. Think of it as a fair reference point: nobody earns anything on it directly, so you rarely get it as a private customer.

What you actually receive depends on two separate costs: the margin a provider adds to that rate and the visible transfer or service fee. In the sections below we explain how those costs work, put them side by side and give concrete ways to keep more of your money when you swap Swedish Krona for Chinese Yuan.

Larger transfers: what to check first

Only use providers that are regulated. A regulated provider is registered with a supervisor such as the FCA or your national central bank. Licensed payment firms must keep customer money separate from their own.

Verify every detail of the recipient. Once money has left, getting it back is difficult. Unexpected changes to payment details are a classic warning sign. Verify through a channel you trust.

For large amounts, expect extra checks. You may need to show proof of the source of funds, such as a payslip, sale agreement or bank statement. Some providers lower their margin on request for larger customers. A rate lock, where offered, removes uncertainty while the money is on its way.

Delivery times and routes for CNY transfers

A traditional bank sends your payment through SWIFT. The money can pass through one or more correspondent banks, each of which can deduct a charge. It typically arrives within a few working days, and the final deduction is often only visible afterwards.

Specialised transfer services often work differently. They have local accounts on both sides, which means your payment and the payout both happen domestically. The result tends to be quicker and less expensive, and you see exactly what will arrive before you confirm.

Speed is not down to the provider alone: how you pay, the time of day, cut-off times and bank holidays in both countries. The very first payment may be slower because the provider has to verify your identity. Get verified before you need to send when a deadline is involved.

Where Swedish Krona and Chinese Yuan are used

Swedish Krona is the currency of Sweden. Chinese Yuan is the official currency of China. That is useful to know if you travel, shop online abroad or support someone in another country.

People convert SEK to CNY for many reasons: paying suppliers, supporting relatives, buying property or simply travelling. What suits one case may not suit another: a single big transfer calls for the best rate, while frequent smaller payments suffer more from flat charges.

Payout methods vary from country to country. Some recipients expect a bank account number with a local bank code, others an IBAN, and in some places mobile wallets or cash collection are widely used. Have the recipient’s full details ready before you begin.

10,000.00 SEK to CNY, step by step

Consider an amount of 10,000.00 SEK. Converted at the pure mid-market rate (0.676889), you can work out the upper limit of what the recipient could get. In practice nobody hands over that full amount, since the margin and fees are taken out along the way.

Of the 9 providers we compared, Wise gave the best result and paid out 6,735.44 CNY after all costs. The gap between 6,735.44 CNY and the theoretical maximum is the real price of the transfer.

Bear in mind that rankings shift with the amount you send. A flat fee hurts most when the amount is small, whereas the margin in the rate becomes the bigger cost on larger transfers. Enter your own amount in the converter for a ranking that fits your situation.

How GoldexPay compares SEK to CNY providers

Our starting point is the current mid-market rate. We then apply each provider’s published fees and exchange rate margin, which gives the amount the recipient receives. In total 9 providers are included, placed side by side.

The figures refresh every half hour, and the date on the page shows when the data was last updated. Providers confirm their own price at checkout, and it can differ slightly from our calculation.

No bank, app or exchange owns GoldexPay. Some of the links are affiliate links, which help fund our work. That never changes the ranking: the only ranking criterion is the amount received.

The SEK/CNY rate over twelve months

Across the last year, the price of SEK in CNY moved by -9.89%. During that year the top of the range was 0.787316 CNY per SEK, while the bottom of the range was 0.667723. At 0.676889, the rate today sits somewhere inside that range.

That range between high and low shows how much the rate can move in practice. On a large conversion, timing has a visible effect on the outcome, occasionally more than the difference between providers.

Exchange rates respond to central bank policy, economic data and shifts in risk appetite. The statistics here are historical, not a forecast. If you want to act on a certain rate, it is more practical to set an alert than to guess.

Paying less when you change SEK into CNY

Look at the final amount, not just the fee. A small fee on its own says little because the margin can make up the difference. What you want to know is how much CNY arrives for your SEK, and that already includes both the markup and the fee.

At foreign tills and cash machines, a terminal may offer to charge you in your home currency. That option is known as dynamic currency conversion, or DCC. It tends to be among the most expensive ways to convert. Pick the local currency and the conversion follows your card’s own terms.

Timing can also matter. Rates quoted on a Saturday or Sunday can include a weekend surcharge. If you are not in a hurry, an alert tells you when the rate hits a level you are happy with. That avoids guessing, though there is no guarantee the rate will get there.

Finally, look at how you pay. Paying by credit card can trigger extra charges, while a regular bank transfer to the provider is usually the cheapest way in. Combining several small payments into one larger transfer reduces what you pay in flat fees.

What banks and apps really charge for SEK to CNY

Nearly every bank and app stay away from the rate of 0.676889 itself. Instead they quote a slightly worse rate and pocket the gap. This is known as the markup. If the margin is 2%, then for every 100 SEK you convert, about 2 SEK worth disappears before the money arrives.

On top of the margin, many providers charge an explicit fee. This is usually a flat charge per payment, a share of what you send or both at once. For transfers sent through the banking network other banks along the route may take their own cut, and those only show up at the end.

Look twice at offers that say "no fees" or "0% commission". Free usually means the price is built into the exchange rate. What really counts is the total amount that arrives in CNY for exactly the same sum, and the comparison table on this page is ranked on exactly that.