Formal transfer channels, that is to say banks and agents, have their businesses regulated in Swedish law and the companies are subject to scrutiny by Swedish authorities. There are also laws that regulate international services for transferring money.
It is therefore a good idea to choose those formal transfer channels provided by banks and agents rather than private individuals. Banks and agents have a responsibility for the money arriving at its destination. This responsibility is detailed in the terms and conditions that apply when a transfer is made.