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Wise
Rate 4.3179 · Fee €2.40
You send
€1,000
Recipient gets
zł4,307
zł14 more than the most expensive provider · 0.24% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Finland to Poland in August 2026 is Wise, which delivers 4,307.49 PLN on a 1,000 EUR transfer with a fee of €2.40. According to SendMoneyCompare's comparison of 14 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 14 PLN.
Last reviewed: by Awais Imran, Reviews Editor
Sending €1,000 from Finland to Poland. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
4.2966
€7.30
zł4,265.28
4.3300
€20.00
zł4,243.38
4.2412
€1.99
zł4,232.81
4.2577
€15.00
zł4,193.83
4.1382
€3.99
zł4,121.72
4.2642
€36.55
zł4,108.33
Potential savings: Choosing the best provider over the most expensive saves your recipient zł13.87 on a €1,000 transfer.
Looking for cheap money transfers from Finland to Poland? We compare exchange rates, fees, and delivery times from every major provider to help you save on every transfer.
Money transfers from Finland to Poland are a vital lifeline for families and businesses. With dozens of providers competing for this corridor, rates and fees vary widely. Specialist money transfer companies often beat bank rates by 2–4%, potentially saving you hundreds of EUR per year. Use our comparison to find today's best deal.
Exchange rate
4.3179
Fee
€2.40
Recipient gets
zł4,307.49
Speed
~2 business days
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
OKX P2PBeats mid-market
Kraken → Solana (USDC) → OKX P2P · ~1 second
4,727 PLN
9.65% rebate all-in
Also routable via Solana (USDC), Polygon (USDC), Arbitrum (USDC), Tron (USDT).
Source: OKX P2P API
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
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Example alert
GBP → INR · cheapest just changed
Sending £1,000 today? The top provider on this corridor now lands about ₹1,180 more than yesterday’s best — the bank wire is still ₹9,400 behind.
sendmoneycompare.com/send-money/uk-to-india
09:12USD → PHP · watch the funding fee
Two providers added a card-funding fee this morning. Paying by bank transfer is now the cheaper route on this corridor.
Thu 16:40Different providers excel at different things. Here's who's best for each use case on the Finland to Poland route.
Cheapest transfer
Wise
Delivers the most PLN for your money
Fastest transfer
Remitly
Delivers in Minutes
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
Wise
Best rate for bank deposit to Poland
Sending money to Polandis straightforward with the right provider. Here's how it works in 3 simple steps.
Choose how much EUR you want to send, compare providers above, and pick the one offering the best PLN amount for your transfer to Poland.
Enter your recipient's details in Poland — you'll need their iban. Most providers verify details instantly.
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit (sepa) typically takes 1 business day.
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full name as registered with their Polish bank account
IBAN
28-character IBAN starting with 'PL' followed by 2 check digits and 24 digits (bank code + account number)
Example: PL61109010140000071219812874
SWIFT/BIC code
Optional8 or 11-character SWIFT code for international wire transfers (not needed for SEPA)
Note: Poland uses 28-character IBANs starting with 'PL'. As an EU member, Poland participates in SEPA (Single Euro Payments Area) for EUR transfers, but domestic transfers use PLN. For SEPA transfers in EUR, only the IBAN is needed. For PLN transfers from outside the EU, the SWIFT/BIC code is also required.
See how much your recipient would get for common transfer amounts.
Wise
4.32 · ~2 business days
Remitly
4.30 · Minutes
BNP Paribas
4.29 · 1-3 business days
Xoom (PayPal)
4.25 · Minutes to 3 days
Western Union
4.27 · 1 business day
Monese
4.29 · 1-3 business days
Wise
4.32 · ~2 business days
Remitly
4.30 · Minutes
BNP Paribas
4.29 · 1-3 business days
Monese
4.33 · 1-3 business days
Xoom (PayPal)
4.24 · Minutes to 3 days
Western Union
4.27 · 1 business day
Wise
4.32 · ~2 business days
Remitly
4.30 · Minutes
BNP Paribas
4.29 · 1-3 business days
Western Union
4.27 · 1 business day
Monese
4.26 · 1-3 business days
Xoom (PayPal)
4.25 · Minutes to 3 days
Transfer fees from Finland to Poland vary by provider. Specialist services charge €0–10 per transfer, while banks charge €25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total PLN your recipient receives, not just the advertised fee.
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically €0–€10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (4.3282).
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Bank deposit is the standard method in Poland. SEPA transfers from EU countries are typically the cheapest option. Poland's BLIK instant payment system is widely used domestically and is being extended for international transfers.
Speed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Speed: Minutes to hours
Fast and convenient — small card processing fee applies
Speed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Speed: Minutes to hours
Convenient mobile payment — linked card fees apply
Speed: Varies
Pay cash at an agent location — available at select providers
Your recipient in Poland can receive money through these delivery methods. The best option depends on their location and preferences.
SEPA transfer in EUR to Polish bank accounts — fast and low-cost for transfers from EU/EEA countries.
International wire transfer in PLN or EUR to Polish bank accounts.
Collect cash from Poczta Polska (Polish Post) offices and agent locations across Poland.
Important rules and requirements to know before sending money to Poland.
Regulatory body
Komisja Nadzoru Finansowego (KNF) — Polish Financial Supervision Authority
Inbound transfer limits
No cap on incoming transfers, but amounts over EUR 15,000 must be reported for AML purposes
Documentation you may need
Most transfers from Finland to Poland arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Poland for a small premium.
These are the most commonly used banks for receiving international transfers in Poland.
PKO Bank Polski
BPKOPLPW
Bank Pekao (Pekao SA)
PKOPPLPW
mBank
BREXPLPW
ING Bank Slaski
INGBPLPW
Santander Bank Polska
WBKPPLPP
Bank Millennium
BIGBPLPW
Daily best exchange rates from top providers over the last 144 days. Rates shown are for sending $100.
| Date | Xoom (PayPal) | Monese | PayPal | __mid Market__ | Commerzbank |
|---|---|---|---|---|---|
| Trend | |||||
| Aug 19 | 4.2412 | 4.3301✓ | 4.1384 | 4.2577 | 4.2577 |
| Aug 18 | 4.2288 | 4.3102✓ | 4.1196 | 4.2510 | 4.2427 |
| Aug 17 | 4.2201 | 4.3024✓ | 4.1258 | 4.3024✓ | 4.2366 |
| Aug 16 | 4.2212 | 4.2948✓ | 4.1277 | 4.2375 | 4.2376 |
| Aug 15 | 4.2221 | 4.2948✓ | 4.1277 | 4.2375 | 4.2376 |
| Aug 14 | 4.2249 | 4.3076✓ | 4.1221 | 4.3076✓ | 4.2411 |
| Aug 13 | 4.2245 | 4.3063✓ | 4.1215 | 4.2423 | 4.2407 |
| Aug 12 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Aug 11 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Aug 10 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Aug 9 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Aug 8 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Aug 7 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Aug 6 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Aug 5 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Aug 4 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Aug 3 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Aug 2 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Aug 1 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 31 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 30 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 29 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 28 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 27 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 26 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 25 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 24 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 23 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 22 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 21 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 20 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 19 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 18 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 17 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 16 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 15 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 14 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 13 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 12 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 11 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 10 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 9 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 8 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 7 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 6 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 5 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 4 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 3 | 4.2018 | 4.2838✓ | 4.1081 | 4.2423 | 4.2165 |
| Jul 2 | 4.2081 | 4.2917✓ | 4.1168 | 4.2917✓ | 4.2240 |
| Jul 1 | 4.2136 | 4.2962✓ | 4.1098 | 4.2136 | 4.2295 |
| Jun 30 | 4.2044 | 4.2867✓ | 4.1028 | 4.2044 | 4.2201 |
| Jun 29 | 4.2019 | 4.2752✓ | 4.0966 | 4.2272 | 4.2178 |
| Jun 28 | 4.2019 | 4.2752✓ | 4.0966 | 4.2272 | 4.2178 |
| Jun 27 | 4.2019 | 4.2752✓ | 4.0966 | 4.0966 | 4.2178 |
| Jun 26 | 4.2002 | 4.2825✓ | 4.0985 | 4.2002 | 4.2127 |
| Jun 25 | 4.1905 | 4.2798✓ | 4.0967 | 4.2396 | 4.2156 |
| Jun 24 | 4.1983 | 4.2822✓ | 4.0895 | 4.1983 | 4.2137 |
| Jun 23 | 4.1867 | 4.2693✓ | 4.0650 | 4.2032 | 4.2032 |
| Jun 22 | 4.1756 | 4.2566✓ | 4.0741 | 4.2566✓ | 4.1904 |
| Jun 21 | 4.1744 | 4.2466✓ | 4.0724 | 4.1895 | 4.1903 |
| Jun 20 | 4.1744 | 4.2466✓ | 4.0724 | 4.2466✓ | 4.1903 |
| Jun 19 | 4.1609 | 4.2576✓ | 4.0710 | 4.1897 | 4.1897 |
| Jun 18 | 4.1625 | 4.2442✓ | 4.0577 | 4.0577 | 4.1775 |
| Jun 17 | 4.1596 | 4.2388✓ | 4.0709 | 4.0709 | 4.1711 |
| Jun 16 | 4.1596 | 4.2388✓ | 4.0709 | 4.0709 | 4.1711 |
| Jun 15 | 4.1596 | 4.2388✓ | 4.0709 | 4.0709 | 4.1711 |
| Jun 14 | 4.1680 | 4.2326✓ | 4.0732 | 4.2326✓ | 4.1749 |
| Jun 13 | 4.1680 | 4.2326✓ | 4.0732 | 4.2326✓ | 4.1749 |
| Jun 12 | 4.1680 | 4.2326✓ | 4.0732 | 4.2054 | 4.1749 |
| Jun 11 | 4.1578 | 4.2392✓ | 4.0643 | 4.1729 | 4.1729 |
| Jun 10 | 4.1578 | 4.2392✓ | 4.0643 | 4.1729 | 4.1729 |
| Jun 9 | 4.1572 | 4.2365✓ | 4.0541 | 4.1716 | 4.1716 |
| Jun 8 | 4.1564 | 4.2424✓ | 4.0547 | 4.1761 | 4.1761 |
| Jun 7 | 4.1579 | 4.2290✓ | 4.0561 | 4.2290✓ | 4.1746 |
| Jun 6 | 4.1579 | 4.2290✓ | 4.0561 | 4.1746 | 4.1746 |
| Jun 5 | 4.1593 | 4.2351✓ | 4.0608 | 4.1681 | 4.1681 |
| Jun 4 | 4.1584 | 4.2399✓ | 4.0582 | 4.2026 | 4.1734 |
| Jun 3 | 4.1529 | 4.2341✓ | 4.0592 | 4.1675 | 4.1675 |
| Jun 2 | 4.1524 | 4.2333✓ | 4.0464 | 4.1925 | 4.1667 |
| Jun 1 | 4.1477 | 4.2287✓ | 4.0485 | 4.2287✓ | 4.1616 |
| May 31 | 4.1475 | 4.2205✓ | 4.0483 | 4.1613 | 4.1613 |
| May 30 | 4.1475 | 4.2205✓ | 4.0483 | 4.1840 | 4.1613 |
| May 29 | 4.1441 | 4.2245✓ | 4.0492 | 4.0492 | 4.1573 |
| May 28 | 4.1505 | 4.2316✓ | 4.0547 | 4.1892 | 4.1649 |
| May 27 | 4.1515 | 4.2335✓ | 4.0486 | 4.2335✓ | 4.1669 |
| May 26 | 4.1552 | 4.2289✓ | 4.0627 | 4.0627 | 4.1622 |
| May 25 | 4.1528 | 4.2342✓ | 4.0620 | 4.1676 | 4.1676 |
| May 24 | 4.1549 | 4.2293✓ | 4.0626 | 4.2293✓ | 4.1695 |
| May 23 | 4.1549 | 4.2293✓ | 4.0626 | 4.2293✓ | 4.1695 |
| May 22 | 4.1571 | 4.2380✓ | 4.0638 | 4.2380✓ | 4.1719 |
| May 21 | 4.1639 | 4.2459✓ | 4.0693 | 4.1791 | 4.1791 |
| May 20 | 4.1666 | 4.2507✓ | 4.0647 | 4.2507✓ | 4.1821 |
| May 19 | 4.1565 | 4.2365✓ | 4.0651 | 4.1710 | 4.1710 |
| May 18 | 4.1625 | 4.2471✓ | 4.0608 | 4.1867 | 4.1809 |
| May 17 | 4.1625 | 4.2363✓ | 4.0607 | 4.1625 | 4.1798 |
| May 16 | 4.1625 | 4.2363✓ | 4.0607 | 4.2363✓ | 4.1798 |
| May 15 | 4.1616 | 4.2445✓ | 4.0680 | 4.0680 | 4.1779 |
| May 14 | 4.1647 | 4.2367✓ | 4.0726 | 4.2367✓ | 4.1703 |
| May 13 | 4.1684 | 4.2497✓ | 4.0613 | 4.1934 | 4.1833 |
| May 12 | 4.1552 | 4.2370✓ | 4.0563 | 4.1958 | 4.1705 |
| May 11 | 4.1531 | 4.2370✓ | 4.0555 | 4.1704 | 4.1704 |
| May 10 | 4.1531 | 4.2248✓ | 4.0560 | 4.1683 | 4.1683 |
| May 9 | 4.1531 | 4.2248✓ | 4.0560 | 4.0560 | 4.1683 |
| May 8 | 4.1473 | 4.2278✓ | 4.0542 | 4.0542 | 4.1615 |
| May 7 | 4.1478 | 4.2278✓ | 4.0560 | 4.2278✓ | 4.1606 |
| May 6 | 4.1603 | 4.2417✓ | 4.0746 | 4.1603 | 4.1747 |
| May 4 | 4.1608 | 4.2436✓ | 4.0710 | 4.2040 | 4.1757 |
| May 3 | 4.1597 | 4.2307✓ | 4.0699 | 4.1968 | — |
| May 2 | 4.1597 | 4.2307✓ | 4.0699 | 4.1968 | 4.1735 |
| May 1 | 4.1728 | 4.2540✓ | 4.0794 | 4.2172 | 4.1869 |
| Apr 30 | 4.1751 | 4.2562✓ | 4.0713 | 4.2562✓ | 4.1886 |
| Apr 29 | 4.1661 | 4.2484✓ | 4.0692 | 4.2484✓ | 4.1805 |
| Apr 28 | 4.1650 | 4.2488✓ | 4.0633 | 4.0633 | 4.1797 |
| Apr 27 | 4.1522 | 4.2386✓ | 4.0622 | 4.2019 | 4.1722 |
| Apr 26 | 4.1536 | 4.2292✓ | 4.0635 | 4.2292✓ | 4.1717 |
| Apr 25 | 4.1536 | 4.2292✓ | 4.0635 | 4.1933 | 4.1717 |
| Apr 24 | 4.1625 | 4.2428✓ | 4.0633 | 4.0633 | — |
| Apr 23 | 4.1518 | 4.2436✓ | 4.0544 | 4.2436✓ | — |
| Apr 22 | 4.1557 | 4.2312✓ | 4.0538 | 4.2312✓ | 4.1638 |
| Apr 21 | 4.1475 | 4.2296✓ | 4.0442 | 4.2296✓ | 4.1629 |
| Apr 20 | 4.1425 | 4.2320✓ | 4.0456 | 4.2320✓ | 4.1662 |
| Apr 19 | 4.1438 | 4.2124✓ | 4.0469 | 4.1580 | 4.1580 |
| Apr 18 | 4.1438 | 4.2124✓ | 4.0469 | 4.1543 | 4.1580 |
| Apr 17 | 4.1563 | 4.2357✓ | 4.0544 | 4.1694 | 4.1694 |
| Apr 16 | 4.1517 | 4.2328✓ | 4.0627 | 4.1627 | 4.1670 |
| Apr 15 | 4.1563 | 4.2351✓ | 4.0638 | 4.1985 | 4.1689 |
| Apr 14 | 4.1624 | 4.2415✓ | 4.0577 | 4.1747 | 4.1747 |
| Apr 13 | 4.1666 | 4.2526✓ | 4.0633 | 4.1666 | 4.1849 |
| Apr 12 | 4.1665 | 4.2375✓ | 4.0631 | 4.1665 | 4.1797 |
| Apr 11 | 4.1665 | 4.2375✓ | 4.0631 | 4.0631 | 4.1797 |
| Apr 10 | 4.1635 | 4.2447✓ | 4.0682 | 4.0682 | 4.1787 |
| Apr 9 | 4.1724 | 4.2529✓ | 4.0749 | 4.0749 | 4.1864 |
| Apr 8 | 4.1891 | 4.2563✓ | 4.0801 | 4.0801 | 4.1899 |
| Apr 7 | 4.1892 | 4.2652✓ | 4.0830 | 4.2652✓ | 4.1976 |
| Apr 6 | 4.1887 | 4.2640✓ | 4.0991 | 4.2640✓ | 4.1956 |
| Apr 5 | 4.1930 | 4.2597✓ | 4.0987 | 4.2073 | 4.2073 |
| Apr 4 | 4.1930 | 4.2597✓ | 4.0987 | 4.1995 | 4.2073 |
| Apr 3 | 4.1939 | 4.2754✓ | 4.0965 | 4.2754✓ | 4.2072 |
| Apr 2 | 4.2111 | 4.2742✓ | 4.1071 | 4.1988 | 4.2066 |
| Apr 1 | 4.2087 | 4.2870✓ | 4.1102 | 4.1102 | 4.2163 |
| Mar 31 | 4.1964 | 4.2898✓ | 4.0913 | 4.1964 | 4.2209 |
| Mar 30 | 4.1980 | 4.2892✓ | 4.0933 | 4.2892✓ | 4.2207 |
| Mar 29 | 4.1982 | 4.2808✓ | 4.0940 | 4.0940 | 4.2147 |
| Mar 28 | 4.1914 | 4.2809✓ | 4.0947 | 4.1914 | 4.2136 |
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
Most specialist providers deliver to Poland within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much PLN your recipient would receive from a €1,000 transfer today.
Yes, all the providers we compare support online transfers from Finland to Poland. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Money transfer services are almost always cheaper. Banks typically charge €25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge €0–10 with markups under 1%, saving you significantly on every transfer to Poland.
Everything about sending money to Poland
Recipient requirements, delivery methods, regulations, popular banks, and more.
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