"A year ago, I would probably have gotten a maximum of 105,000, because the course was around 1:10 for a long time," says Rissanen.

When she transferred her money on 22 June, the Riksbank's exchange rate was SEK 11.74 per euro. Exactly one year earlier, it was SEK 10.67. This gave Rissanen an extra SEK 10,000.

She says that she has followed currency developments closely.

"I've been thinking about which account I made my purchases from – from my Swedish salary account, or from my euro account in Finland. Lately, I have preferred to use my savings in euros, because the krona has not been favourable.

Large differences in banks' exchange rates

However, there can be large differences in banks' exchange rates, which is why a consumer should compare banks' fees carefully. On the Swedish Consumer Agency's website, you can compare banks' fees free of charge.