Send money to Poland
XE Money Transfer
Rate 3.8956 · Fee free
You send
$1,000
Estimated receipt
zł3,896
zł200 more than the lowest estimate · 0.27% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: XE Money Transfer ranks first of 10 for 1,000 USD → PLN: 3,895.64 PLN estimated. 199.39 PLN separates first from last.
Latest pricing observation: . Oldest observation used: . Quotes are kept per USD→PLN pair, not per country, so confirm the provider sends from your country before you commit. Methodology.
What is the cheapest way to send USD to PLN?
Sending $1,000 to Poland, ranked by estimated payout.
Source: our collected quotes
3.8464
$2.00
zł3,838.73
Send
3.8339
$0.99
zł3,830.13
Send
3.8113
Free
zł3,811.27
Send
Estimated payout difference: zł199.39 between first and last on $1,000.
Poland is the largest economy in Central Europe and receives significant remittances from its diaspora in the UK, Germany, Ireland, and the Netherlands. Despite being an EU member since 2004, Poland retains the zloty (PLN) rather than the euro, meaning cross-border transfers from Eurozone countries involve currency conversion. SEPA credit transfers reach Polish banks quickly, and the Elixir real-time payment system handles domestic settlement. Major banks like PKO Bank Polski, Bank Pekao, mBank, and ING Bank Śląski all support IBAN-based international receipts.
- Poland uses IBAN for all bank transfers — Polish IBANs are 28 characters starting with 'PL'.
- SEPA transfers from other EU/EEA countries reach Polish banks within one business day, often same-day.
- PKO Bank Polski is the largest bank by assets and customer count, serving over 11 million clients.
- BLIK is Poland's wildly popular instant payment system (used by 15M+ Poles monthly), though it's primarily a domestic tool rather than a remittance channel.
- The UK-to-Poland corridor is the largest by volume, driven by an estimated 800,000+ Poles living in Britain.
Which provider offers the best USD to PLN rate?
XE Money Transfer
4.4Exchange rate
3.8956
Fee
Free
Recipient gets
zł3,895.64
Speed
1-4 business days
Crypto & stablecoin routes for USD → PLN
Each is a fiat on-ramp → blockchain → local cash-out, not a one-tap transfer. All-in cost below.
OKX P2PBeats mid-market
Coinbase → Solana (USDC) → OKX P2P · ~1 second
4,090 PLN
5.00% rebate all-in
+
OKX P2PBeats mid-market
Coinbase → Solana (USDC) → OKX P2P · ~1 second
4,090 PLN
5.00% rebate all-in
- 1Coinbase USD→USDC: FREE
- 2Solana network: 0.000250 USDC
- 3OKX P2P: 1% spread
- 40.00% withdrawal fee
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.
Guides, fees & how it works
Which provider suits each USD→PLN transfer?
XE Money Transfer currently delivers the most PLN on this route, while Remitly is the fastest.
Cheapest transfer
XE Money Transfer
Delivers the most PLN for your money
Fastest transfer
Remitly
Delivers in Minutes to 3-5 days
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
XE Money Transfer
Best rate for bank deposit to Poland
What you need to send money to Poland
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.
Transfer examples: USD to PLN
Send $500
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| XE Money Transfer3.90 · 1-4 business days | Free | 3.90 | zł1,948 | 1-4 business days |
| Wise3.91 · 48 hours | $1.71 | 3.91 | zł1,947 | 48 hours |
| CurrencyFair3.89 · 1-2 business days | $2.57 | 3.89 | zł1,935 | 1-2 business days |
| Remitly3.84 · Minutes to 3-5 days | $0.99 | 3.84 | zł1,918 | Minutes to 3-5 days |
| Ria Money Transfer3.85 · Minutes to 2 days | $2.00 | 3.85 | zł1,916 | Minutes to 2 days |
| Western Union3.83 · Minutes to 5 days | $0.99 | 3.83 | zł1,913 | Minutes to 5 days |
Send $1,000
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| XE Money Transfer3.90 · 1-4 business days | Free | 3.90 | zł3,896 | 1-4 business days |
| Wise3.91 · 48 hours | $6.35 | 3.91 | zł3,882 | 48 hours |
| CurrencyFair3.89 · 1-2 business days | $2.57 | 3.89 | zł3,881 | 1-2 business days |
| Remitly3.84 · Minutes to 3-5 days | $0.99 | 3.84 | zł3,840 | Minutes to 3-5 days |
| Ria Money Transfer3.85 · Minutes to 2 days | $2.00 | 3.85 | zł3,839 | Minutes to 2 days |
| Western Union3.83 · Minutes to 5 days | $0.99 | 3.83 | zł3,830 | Minutes to 5 days |
Send $5,000
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| Wise3.92 · 48 hours | $6.35 | 3.92 | zł19,571 | 48 hours |
| XE Money Transfer3.90 · 1-4 business days | Free | 3.90 | zł19,478 | 1-4 business days |
| CurrencyFair3.89 · 1-2 business days | $2.57 | 3.89 | zł19,445 | 1-2 business days |
| OFX3.89 · 1-3 business days | $5.00 | 3.89 | zł19,437 | 1-3 business days |
| Remitly3.86 · Minutes to 3-5 days | $0.99 | 3.86 | zł19,279 | Minutes to 3-5 days |
| Ria Money Transfer3.85 · Minutes to 2 days | $2.00 | 3.85 | zł19,224 | Minutes to 2 days |
How much does it cost to send money to Poland?
Of the 10 estimates we hold for $1,000 USD to PLN, 3 charge no transfer fee and 7 charge between $0.99 and $6.35. Their exchange rates sit 0.00% to 4.90% above the mid-market rate (median 1.85%), a spread worth 191 PLN on this amount.
A volatile pair: 8.7 points apart; today is "great", the better half. Best payout day Wise (5 October 2026), worst Wise (16 April 2026).
Ways to send money to Poland
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.
How can my recipient receive money in Poland?
Bank Deposit (SEPA)
SEPA transfer in EUR to Polish bank accounts — fast and low-cost for transfers from EU/EEA countries.
Bank Deposit (SWIFT)
International wire transfer in PLN or EUR to Polish bank accounts.
Cash Pickup
Collect cash from Poczta Polska (Polish Post) offices and agent locations across Poland.
What are the transfer limits and regulations for 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
- Sender's government-issued photo ID
- PESEL number (Polish national ID number) may be needed for compliance
- Proof of purpose for large transfers
Important things to know
- Poland is an EU member but uses the Polish zloty (PLN), not the euro.
- SEPA transfers in EUR are fast and cheap — the recipient's bank will convert to PLN at their rate.
- Poland is one of the largest remittance-receiving countries in Europe, with a large diaspora in the UK, Germany, and Ireland.
- BLIK is Poland's national instant payment system used by over 15 million people.
How long does it take to send money to Poland?
5 of the 11 providers quoting USD to PLN advertise delivery within minutes (Remitly, Ria Money Transfer, Western Union); 6 quote longer, such as XE Money Transfer at 1-4 business days on USD to PLN.
Provider-stated speeds for Poland, not our measurement.
- RemitlyMinutes to 3-5 days
- Ria Money TransferMinutes to 2 days
- Western UnionMinutes to 5 days
- Xoom (PayPal)Minutes to 3 days
- PayPalInstant to 3 days
- XE Money Transfer1-4 business days
- Wise48 hours
- CurrencyFair1-2 business days
- OFX1-3 business days
- Currencies Direct1-2 business days
Popular banks in Poland
PKO Bank Polski
BPKOPLPW
Bank Pekao (Pekao SA)
PKOPPLPW
mBank
BREXPLPW
ING Bank Slaski
INGBPLPW
Santander Bank Polska
WBKPPLPP
Bank Millennium
BIGBPLPW
Great time to send
SendScoreBest rate +2.63% vs the 30-day average, near the 90-day high. Rates are improving — +1.37% week on week. Today's best beats the median provider by +1.15%.
- 40%near the 90-day high
- 25%+2.63% vs the 30-day average
- 20%today's best beats the median provider by +1.15%
- 15%improving — +1.37% week on week
Who is usually cheapest here
Wise delivered the most on 91 of the last 91 days it quoted here (100%); Wise is today's best too.
- 100%Wise — cheapest on 91 of 91 days it quoted
- 0%Remitly — cheapest on 0 of 91 days it quoted
- 0%Western Union — cheapest on 0 of 40 days it quoted
- 0%Ria Money Transfer — cheapest on 0 of 85 days it quoted
91 contested days of 91; single-quote days excluded for USD→PLN. See every corridor.
USD→PLN: 194 days of our recorded provider rates
USD to PLN Exchange Rate History
Per 100 USD sent, 194 days.
| Date | Wise | __mid Market__ | Remitly | Xoom (PayPal) | Ria Money Transfer |
|---|---|---|---|---|---|
| Trend | |||||
| Oct 6 | 3.9064 | 3.9065✓ | 3.8439 | 3.7490 | 3.8464 |
| Oct 5 | 3.9116 | 3.9234✓ | 3.8504 | — | 3.8464 |
| Oct 4 | 3.8952 | 3.8960✓ | 3.8240 | — | 3.8218 |
| Oct 3 | 3.8977✓ | 3.8977✓ | 3.8270 | — | 3.8218 |
| Oct 2 | 3.8977✓ | 3.8977✓ | 3.8270 | — | 3.8021 |
| Oct 1 | 3.8935 | 3.8935✓ | 3.8228 | — | 3.8021 |
| Sep 30 | 3.8502 | 3.8553✓ | 3.7804 | — | 3.7923 |
| Sep 29 | 3.8519 | 3.8520✓ | 3.7807 | — | 3.7824 |
| Sep 28 | 3.8434✓ | 3.8434✓ | 3.7753 | — | 3.7824 |
| Sep 27 | 3.8424 | 3.8424✓ | 3.7713 | — | 3.7824 |
| Sep 26 | 3.8375 | 3.8379✓ | 3.7693 | — | 3.7824 |
| Sep 25 | 3.8375 | 3.8533✓ | 3.7728 | — | 3.8021 |
| Sep 24 | 3.8488✓ | 3.8488✓ | 3.7888 | — | 3.7529 |
| Sep 23 | 3.8418✓ | 3.8418✓ | 3.7800 | — | 3.7332 |
| Sep 22 | 3.7970✓ | 3.7970✓ | 3.7332 | — | 3.7332 |
| Sep 21 | 3.7906 | 3.8012✓ | 3.7228 | — | 3.7381 |
| Sep 20 | 3.7994✓ | 3.7994✓ | 3.7334 | — | 3.7381 |
| Sep 19 | 3.7990✓ | 3.7990✓ | 3.7306 | — | 3.7381 |
| Sep 18 | 3.7995✓ | 3.7995✓ | 3.7307 | — | 3.7332 |
| Sep 17 | 3.7972 | 3.8063✓ | 3.7318 | — | 3.7061 |
| Sep 16 | 3.7780✓ | 3.7780✓ | 3.7417 | — | 3.7036 |
| Sep 15 | 3.7628 | 3.7639✓ | 3.6973 | — | 3.6938 |
| Sep 14 | 3.7580✓ | 3.7580✓ | 3.6902 | — | 3.6642 |
| Sep 13 | 3.7287✓ | 3.7287✓ | 3.6615 | — | 3.6642 |
| Sep 12 | 3.7275 | 3.7279✓ | 3.6602 | — | 3.6642 |
| Sep 11 | 3.7292 | 3.7296✓ | 3.6660 | — | 3.6519 |
| Sep 10 | 3.7274✓ | 3.7274✓ | 3.6639 | — | 3.6544 |
| Sep 9 | 3.7106✓ | 3.7106✓ | 3.6460 | — | 3.6612 |
| Sep 8 | 3.7110✓ | 3.7110✓ | 3.6465 | — | 3.6514 |
| Sep 7 | 3.7084 | 3.7158✓ | 3.6437 | — | 3.6593 |
| Sep 6 | 3.7140✓ | 3.7140✓ | 3.6489 | — | 3.6593 |
| Sep 5 | 3.7110 | 3.7121✓ | 3.6448 | 3.5634 | 3.6593 |
| Sep 4 | 3.7136✓ | 3.7136✓ | 3.6505 | 3.5669 | 3.6839 |
| Sep 3 | 3.7380✓ | 3.7380✓ | 3.6711 | 3.5889 | 3.6839 |
| Sep 2 | 3.7355✓ | 3.7355✓ | 3.6761 | 3.5861 | 3.6790 |
| Sep 1 | 3.7480 | 3.7484✓ | 3.6829 | 3.5992 | 3.6790 |
| Aug 31 | 3.7480 | 3.7484✓ | 3.6829 | 3.5992 | 3.6642 |
| Aug 30 | 3.7490✓ | 3.7490✓ | 3.6809 | 3.5999 | 3.6642 |
| Aug 29 | 3.7490✓ | 3.7490✓ | 3.6809 | 3.5999 | 3.6642 |
| Aug 28 | 3.7200 | 3.7207✓ | 3.6580 | 3.5725 | 3.6642 |
| Aug 27 | 3.6992✓ | 3.6992✓ | 3.6329 | 3.5520 | 3.6494 |
| Aug 26 | 3.6858 | 3.6862✓ | 3.6217 | 3.5378 | 3.6347 |
| Aug 25 | 3.6899✓ | 3.6899✓ | 3.6250 | 3.5436 | 3.6396 |
| Aug 24 | 3.6920✓ | 3.6920✓ | 3.6280 | 3.5436 | 3.6273 |
| Aug 23 | 3.6929✓ | 3.6929✓ | 3.6258 | 3.5448 | 3.6273 |
| Aug 22 | 3.6929✓ | 3.6929✓ | 3.6258 | 3.5448 | 3.6273 |
| Aug 21 | 3.6955✓ | 3.6955✓ | 3.6326 | 3.5475 | 3.6347 |
| Aug 20 | 3.6992 | 3.6996✓ | 3.6353 | 3.5511 | 3.6691 |
| Aug 19 | 3.7392✓ | 3.7392✓ | 3.6774 | 3.5897 | 3.6719 |
| Aug 18 | 3.7243 | 3.7247✓ | 3.6608 | 3.5770 | 3.6642 |
| Aug 17 | 3.7187 | 3.7194✓ | 3.6518 | 3.5709 | 3.6642 |
| Aug 16 | 3.7231✓ | 3.7231✓ | 3.6558 | 3.5745 | 3.6642 |
| Aug 15 | 3.7231✓ | 3.7231✓ | 3.6558 | 3.5745 | 3.6642 |
| Aug 14 | 3.7370 | 3.7374✓ | 3.6716 | 3.5877 | 3.6642 |
| Aug 13 | 3.7382✓ | 3.7382✓ | 3.6705 | 3.5899 | 3.6642 |
| Aug 12 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | 3.6642 |
| Aug 11 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | 3.6642 |
| Aug 10 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | 3.6741 |
| Aug 9 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | 3.6741 |
| Aug 8 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | — |
| Aug 7 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | 3.6839 |
| Aug 6 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | 3.6839 |
| Aug 5 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | 3.6839 |
| Aug 4 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | — |
| Aug 3 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | — |
| Aug 2 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | — |
| Aug 1 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | 3.7332 |
| Jul 31 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | 3.7332 |
| Jul 30 | 3.7486 | 3.7754✓ | 3.6780 | 3.6014 | 3.7332 |
| Jul 29 | 3.7486 | 3.7964✓ | 3.6780 | 3.6014 | 3.7332 |
| Jul 28 | 3.7486 | 3.7987✓ | 3.6780 | 3.6014 | 3.7332 |
| Jul 27 | 3.7486 | 3.7838✓ | 3.6780 | 3.6014 | 3.7332 |
| Jul 26 | 3.7486 | 3.7972✓ | 3.6780 | 3.6014 | 3.7332 |
| Jul 25 | 3.7486 | 3.7953✓ | 3.6780 | 3.6014 | 3.7332 |
| Jul 24 | 3.7486 | 3.8068✓ | 3.6780 | 3.6014 | 3.7332 |
| Jul 23 | 3.7486 | 3.7895✓ | 3.6780 | 3.6014 | 3.7302 |
| Jul 22 | 3.7486 | 3.7941✓ | 3.6780 | 3.6014 | — |
| Jul 21 | 3.7486 | 3.7968✓ | 3.6780 | 3.6014 | 3.7085 |
| Jul 20 | 3.7486 | 3.7914✓ | 3.6780 | 3.6014 | 3.7085 |
| Jul 19 | 3.7486 | 3.7937✓ | 3.6780 | 3.6014 | 3.7085 |
| Jul 18 | 3.7486 | 3.7945✓ | 3.6780 | 3.6014 | 3.7085 |
| Jul 17 | 3.7486 | 3.7880✓ | 3.6780 | 3.6014 | 3.7085 |
| Jul 16 | 3.7486 | 3.7743✓ | 3.6780 | 3.6014 | 3.7085 |
| Jul 15 | 3.7486 | 3.7811✓ | 3.6780 | 3.6014 | 3.7085 |
| Jul 14 | 3.7486 | 3.8038✓ | 3.6780 | 3.6014 | 3.7085 |
| Jul 13 | 3.7486 | 3.8038✓ | 3.6780 | 3.6014 | 3.7085 |
| Jul 12 | 3.7486 | 3.7914✓ | 3.6780 | 3.6014 | 3.7085 |
| Jul 11 | 3.7486 | 3.7872✓ | 3.6780 | 3.6014 | 3.7085 |
| Jul 10 | 3.7486 | 3.7815✓ | 3.6780 | 3.6014 | 3.7085 |
| Jul 9 | 3.7486 | 3.7708✓ | 3.6780 | 3.6014 | 3.7135 |
| Jul 8 | 3.7486 | 3.7674✓ | 3.6780 | 3.6014 | — |
| Jul 7 | 3.7486 | 3.7505✓ | 3.6780 | 3.6014 | — |
| Jul 6 | 3.7486 | 3.7546✓ | 3.6780 | 3.6014 | — |
| Jul 5 | 3.7486 | 3.7516✓ | 3.6780 | 3.6014 | — |
| Jul 4 | 3.7486 | 3.7524✓ | 3.6780 | 3.6014 | — |
| Jul 3 | 3.7486✓ | 3.7486✓ | 3.6780 | 3.6014 | — |
| Jul 2 | 3.7741✓ | 3.7741✓ | 3.7083 | 3.6195 | — |
| Jul 1 | 3.7678✓ | 3.7678✓ | 3.7020 | 3.6166 | — |
| Jun 30 | 3.7572 | 3.7580✓ | 3.6917 | 3.6079 | — |
| Jun 29 | 3.7667 | 3.7671✓ | 3.6985 | 3.6155 | — |
| Jun 28 | 3.7667 | 3.7671✓ | 3.6985 | 3.6155 | 3.6987 |
| Jun 27 | 3.7667 | 3.7671✓ | 3.6985 | 3.6155 | 3.6987 |
| Jun 26 | 3.7695 | 3.7703✓ | 3.7046 | 3.6204 | 3.7135 |
| Jun 25 | 3.7768✓ | 3.7768✓ | 3.7069 | 3.6278 | 3.7135 |
| Jun 24 | 3.7653 | 3.7657✓ | 3.6963 | 3.6132 | — |
| Jun 23 | 3.7399 | 3.7406✓ | 3.6731 | 3.5904 | — |
| Jun 22 | 3.7173✓ | 3.7173✓ | 3.6509 | 3.5669 | — |
| Jun 21 | 3.7142✓ | 3.7142✓ | 3.6468 | 3.5649 | — |
| Jun 20 | 3.7142✓ | 3.7142✓ | 3.6468 | 3.5649 | — |
| Jun 19 | 3.7160 | 3.7164✓ | 3.6486 | 3.5680 | — |
| Jun 18 | 3.6896 | 3.6900✓ | 3.6250 | 3.5419 | — |
| Jun 17 | 3.6548✓ | 3.6548✓ | 3.5880 | 3.5097 | — |
| Jun 16 | 3.6548✓ | 3.6548✓ | 3.5880 | 3.5097 | — |
| Jun 15 | 3.6548✓ | 3.6548✓ | 3.5880 | 3.5097 | — |
| Jun 14 | 3.6701✓ | 3.6701✓ | 3.6044 | 3.5242 | — |
| Jun 13 | 3.6701✓ | 3.6701✓ | 3.6044 | 3.5242 | — |
| Jun 12 | 3.6701 | 3.6734✓ | 3.6044 | 3.5242 | — |
| Jun 11 | 3.6780 | 3.6784✓ | 3.6099 | 3.5287 | — |
| Jun 10 | 3.6780 | 3.6784✓ | 3.6099 | 3.5287 | — |
| Jun 9 | 3.6784✓ | 3.6784✓ | 3.6134 | 3.5312 | — |
| Jun 8 | 3.6834 | 3.6838✓ | 3.6150 | 3.5336 | — |
| Jun 7 | 3.6833✓ | 3.6833✓ | 3.6172 | 3.5350 | — |
| Jun 6 | 3.6833 | 3.6837✓ | 3.6172 | 3.5378 | — |
| Jun 5 | 3.6493✓ | 3.6493✓ | 3.5841 | 3.5035 | — |
| Jun 4 | 3.6541 | 3.6545✓ | 3.5905 | 3.5089 | — |
| Jun 3 | 3.6434✓ | 3.6434✓ | 3.5780 | 3.4979 | 3.5829 |
| Jun 2 | 3.6413✓ | 3.6413✓ | 3.5777 | 3.4947 | 3.5829 |
| Jun 1 | 3.6339✓ | 3.6339✓ | 3.5685 | 3.4847 | 3.5829 |
| May 31 | 3.6287✓ | 3.6287✓ | 3.5634 | 3.4844 | 3.5829 |
| May 30 | 3.6287✓ | 3.6287✓ | 3.5634 | 3.4826 | 3.5829 |
| May 29 | 3.6283✓ | 3.6283✓ | 3.5639 | 3.4837 | — |
| May 28 | 3.6441✓ | 3.6441✓ | 3.5812 | 3.4947 | — |
| May 27 | 3.6400✓ | 3.6400✓ | 3.5728 | 3.4940 | — |
| May 26 | 3.6367✓ | 3.6367✓ | 3.5727 | 3.5069 | — |
| May 25 | 3.6403✓ | 3.6403✓ | 3.5760 | 3.5081 | — |
| May 24 | 3.6530✓ | 3.6530✓ | 3.5875 | 3.5076 | — |
| May 23 | 3.6530 | 3.6548✓ | 3.5875 | 3.5076 | 3.5854 |
| May 22 | 3.6518✓ | 3.6518✓ | 3.5864 | 3.5081 | 3.5854 |
| May 21 | 3.6549✓ | 3.6549✓ | 3.5913 | 3.5089 | 3.5854 |
| May 20 | 3.6641✓ | 3.6641✓ | 3.5982 | 3.5215 | — |
| May 19 | 3.6402✓ | 3.6402✓ | 3.5748 | 3.4931 | — |
| May 18 | 3.6579 | 3.6583✓ | 3.5936 | 3.5048 | — |
| May 17 | 3.6547✓ | 3.6547✓ | 3.5858 | 3.5072 | — |
| May 16 | 3.6547✓ | 3.6547✓ | 3.5858 | 3.5072 | 3.5460 |
| May 15 | 3.6462✓ | 3.6462✓ | 3.5865 | 3.5002 | 3.5460 |
| May 14 | 3.6277✓ | 3.6277✓ | 3.5664 | 3.4828 | 3.5460 |
| May 13 | 3.6235 | 3.6347✓ | 3.5611 | 3.4796 | 3.6347✓ |
| May 12 | 3.6046 | 3.6347✓ | 3.5423 | 3.4581 | 3.6347✓ |
| May 11 | 3.6043 | 3.6347✓ | 3.5432 | 3.4547 | 3.6347✓ |
| May 10 | 3.5957✓ | 3.5957✓ | 3.5311 | 3.4515 | — |
| May 9 | 3.5957✓ | 3.5957✓ | 3.5311 | 3.4515 | — |
| May 8 | 3.6067 | 3.6347✓ | 3.5425 | 3.4629 | 3.6347✓ |
| May 7 | 3.5991✓ | 3.5991✓ | 3.5352 | 3.4525 | — |
| May 6 | 3.6210 | 3.6347✓ | 3.5575 | 3.4787 | 3.6347✓ |
| May 5 | 3.6430 | 3.6434✓ | — | — | 3.6347 |
| May 4 | 3.6214 | 3.6347✓ | — | — | 3.6347✓ |
| May 3 | 3.6209 | 3.6347✓ | 3.5552 | 3.4763 | 3.6347✓ |
| May 2 | 3.6209 | 3.6347✓ | 3.5552 | 3.4763 | 3.6347✓ |
| May 1 | 3.6288 | 3.6347✓ | 3.5655 | 3.4846 | 3.6347✓ |
| Apr 30 | 3.6484 | 3.6488✓ | 3.5858 | 3.5024 | 3.6347 |
| Apr 29 | 3.6269 | 3.6347✓ | 3.5672 | 3.4858 | 3.6347✓ |
| Apr 28 | 3.6289 | 3.6347✓ | 3.5679 | 3.4860 | 3.6347✓ |
| Apr 27 | 3.6188 | 3.6347✓ | 3.5525 | 3.4710 | 3.6347✓ |
| Apr 26 | 3.6207 | 3.6347✓ | 3.5532 | 3.4727 | 3.6347✓ |
| Apr 25 | 3.6207 | 3.6347✓ | 3.5532 | 3.4727 | 3.6347✓ |
| Apr 24 | 3.6299 | 3.6347✓ | 3.5654 | 3.4875 | 3.6347✓ |
| Apr 23 | 3.6262 | 3.6347✓ | 3.5614 | 3.4815 | 3.6347✓ |
| Apr 22 | 3.6061 | 3.6347✓ | 3.5415 | 3.4604 | 3.6347✓ |
| Apr 21 | 3.5919✓ | 3.5919✓ | 3.5293 | 3.4497 | — |
| Apr 20 | 3.6015 | 3.6347✓ | 3.5400 | 3.4582 | 3.6347✓ |
| Apr 19 | 3.5932✓ | 3.5932✓ | 3.5280 | 3.4503 | — |
| Apr 18 | 3.5932 | 3.5936✓ | 3.5280 | 3.4503 | — |
| Apr 17 | 3.5992 | 3.6347✓ | 3.5379 | 3.4564 | 3.6347✓ |
| Apr 16 | 3.5891✓ | 3.5891✓ | — | 3.4458 | — |
| Apr 15 | 3.5939✓ | 3.5939✓ | — | 3.4497 | — |
| Apr 14 | 3.6084 | 3.6347✓ | — | 3.4651 | 3.6347✓ |
| Apr 13 | 3.6419✓ | 3.6419✓ | — | 3.4950 | 3.6347 |
| Apr 12 | 3.6249 | 3.6347✓ | — | 3.4817 | 3.6347✓ |
| Apr 11 | 3.6249 | 3.6347✓ | — | 3.4817 | 3.6347✓ |
| Apr 10 | 3.6348✓ | 3.6348✓ | — | 3.4897 | 3.6347 |
| Apr 9 | 3.6493 | 3.6497✓ | — | 3.5035 | 3.6347 |
| Apr 8 | 3.6473 | 3.6480✓ | — | 3.5050 | 3.6347 |
| Apr 7 | 3.6991 | 3.6995✓ | 3.6333 | 3.5566 | 3.6347 |
| Apr 6 | 3.6919 | 3.7164✓ | 3.6263 | 3.5408 | 3.6347 |
| Apr 5 | 3.7136 | 3.7140✓ | 3.6471 | 3.5659 | 3.6347 |
| Apr 4 | 3.7136 | 3.7143✓ | 3.6471 | 3.5659 | 3.6347 |
| Apr 3 | 3.7150✓ | 3.7150✓ | 3.6485 | 3.5636 | 3.6347 |
| Apr 2 | 3.7063 | 3.7085✓ | 3.6416 | 3.5716 | 3.6347 |
| Apr 1 | 3.7006 | 3.7102✓ | 3.6445 | 3.5622 | 3.6347 |
| Mar 31 | 3.7175 | 3.7317✓ | 3.6532 | 3.5679 | 3.6347 |
| Mar 30 | 3.7428✓ | 3.7428✓ | 3.6765 | 3.5811 | 3.6347 |
| Mar 29 | 3.7274✓ | 3.7274✓ | 3.6576 | 3.5764 | 3.6347 |
| Mar 28 | 3.7227✓ | 3.7227✓ | 3.6546 | 3.5724 | 3.6347 |
| Mar 18 | 3.6957✓ | 3.6957✓ | 3.6308 | 3.5470 | — |
Frequently asked questions
Common questions about sending money to Poland
What is the cheapest way to send money to Poland?
From the UK, Wise offers the tightest GBP/PLN spreads, typically within 0.4% of the mid-market rate. From other EU countries, SEPA transfers through Wise or Revolut minimize fees. Traditional banks charge 2–4% hidden FX markup on GBP-to-PLN or EUR-to-PLN conversions, making specialist providers significantly cheaper.
How long does a SEPA transfer to Poland take?
SEPA credit transfers from any EU/EEA country to a Polish bank typically settle within one business day, often within hours if initiated before cut-off times. SEPA Instant transfers (where supported by both banks) arrive in under 10 seconds. Transfers from outside the EU via SWIFT take 1–3 business days.
What is the Polish IBAN format?
Polish IBANs are 28 characters: 'PL' followed by 2 check digits and a 24-digit domestic account number (which includes a 4-digit bank code). Example format: PL61 1090 1014 0000 0712 1981 2874. All transfers to Poland require the recipient's IBAN — branch codes alone are not used.
Does Poland use the euro?
No. Poland is an EU member but has not adopted the euro and continues to use the Polish zloty (PLN). There is no scheduled date for euro adoption. This means transfers from Eurozone countries require EUR-to-PLN conversion, and the exchange rate markup becomes a key cost factor.
What is BLIK and can I use it for international transfers?
BLIK is Poland's instant mobile payment system, used by over 15 million Poles monthly for domestic payments, ATM withdrawals, and peer-to-peer transfers. However, BLIK is primarily a domestic system. International senders cannot deliver directly to BLIK — bank deposit via IBAN remains the standard method for international transfers to Poland.
What details do I need for a Polish bank transfer?
You need the recipient's full legal name (matching their Polish bank account), their IBAN (28 characters starting with PL), and optionally the bank's SWIFT/BIC code (e.g., BPKOPLPW for PKO BP, BREXPLPW for mBank). Major Polish banks include PKO Bank Polski, Bank Pekao, mBank, ING Bank Śląski, and Santander Bank Polska.
Can I send money from the UK to Poland after Brexit?
Yes. Brexit did not stop money transfers to Poland, and the UK is still inside SEPA — though SEPA carries only euros, so a payment in złoty never used it. Specialist providers like Wise pay out through local Polish banking partners, so transfers are still fast and cheap, while a UK bank wire travels over SWIFT with correspondent fees on top.
Are there taxes on receiving money in Poland?
Poland does not tax incoming personal remittances. However, gifts above PLN 36,120 from non-family members may trigger Poland's gift tax (podatek od darowizn). Transfers between close family members (parents, children, siblings, spouse) are fully exempt from gift tax if reported to the tax office within six months.
Which providers send money from the UK to Poland?
Wise, Revolut, WorldRemit, Western Union, MoneyGram, and OFX all serve the UK-to-Poland corridor. On GBP to PLN, the measured leader is Skrill, which led on 47 of the last 91 days we could compare. Western Union provides cash pickup at Euronet and Bank Pocztowy locations if your recipient prefers not to use a bank account.
Can I pick up cash in Poland?
Cash pickup is available through Western Union and MoneyGram agent locations, often inside Bank Pocztowy (Polish postal bank) branches and Euronet offices. However, Poland has very high banking penetration (over 87% of adults have a bank account), so bank deposit via IBAN is far more common and usually cheaper than cash collection.
More for this corridor
Send money to Poland from these countries
Compare providers for your specific sending country to get the most accurate rates and fees.
