How to send money to Poland

Need to send money from the United States to Poland? Here’s how you can do it safely, conveniently and cheaply.

When you need to get money to a loved one overseas, the last thing you want to have to deal with is navigating a potentially complicated and expensive process. Sending money from the United States to Poland  doesn’t have to be expensive. Compare the transfer fees and exchange rates of the many options available to you to get the most Polish złoties for your dollar.

From bank transfers and online transactions to options that allow recipients to collect your funds within minutes, sending an international money transfer to Poland is easy. However, do your research and shop around for the best available deal.

World First Foreign Exchange

World First International Money Transfers

Most Convenient money transfers with excellent customer service. Send to 140+ currencies in 45 countries.

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  • Enjoy competitive exchange rates.
  • Get even better exchange rates with forward contracts and limit orders.
  • Receive weekly updates on market exchange rates.

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    Save money on your personal or business international money transfer today. Fill in the form and you’ll be contacted by a foreign exchange expert to have an obligation-free discussion about your options.

    With over 17 years of foreign exchange expertise and over $100 billion transferred, OFX can help with all your currency exchange needs, including:

    • Buying property abroad
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    • Regular overseas payments
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    • Forecasting
    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Services Amount Received Description CTA Details
    World First Foreign Exchange
    USD 1,000 1 day USD 0.00 3.604 Online PLN 18,020 Exclusive offer: $0 transfer fee
    No-limit transfers with competitive exchange rates for more than 100 currencies.
    Go to site View details
    OFX International Money Transfers
    USD 150 1 day USD 0.00 3.644 Online, Bank Account to Bank Account PLN 18,220 Send safe, no-limit transfers with no fees and competitive exchange rates. Go to site View details
    HiFX International Money Transfers
    USD 100 2 days USD 5.00 3.642 Online PLN 18,192 Transfer money into 20 currencies and schedule regular payments. $5 fee waived for transfers over $5,000. Go to site View details
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    How do international money transfers work?

    An international money transfer allows you to send money to a recipient overseas. Generally, a transfer involves you providing funds to a bank or an independent transfer provider, which then sends the money to your recipient in another country — in this case, Poland. This can be done in person or oftentimes online. You can use cash or transfer funds from your bank account, which will then either be deposited into your recipient’s bank account are made available as cash for them to pick up at a location in their country.

    Banks versus money transfer companies/services

    While banks can easily send international wire transfers, they’ll charge high fees and offer unattractive exchange rates.

    Recent years have seen the emergence of an increasing number of specialist money transfer companies. These companies focus solely on moving money internationally, allowing them to offer better exchange rates and lower fees than you will get from a bank. This allows you to find a more affordable way to send money overseas.

    Case Study: Pavel Sends Money to Poland

    Pavel is spending a few years living the American Dream in California and building a big savings balance. To help his parents pay off their debt back home in Poland, Pavel wants to send them $1,000. Rather than use his bank, which offers a paltry exchange rate and a hefty transfer fee, Pavel decides to investigate the services of a couple of money transfer providers.

    Money transfer company 1Money transfer company 2
    Exchange rate$1 USD = $3.69 PLN$1 USD = $3.60 PLN
    Transfer fee$5$5
    Transfer methodBank account depositBank account deposit
    Processing time3 business days4 business days
    Amount received (in PLN)$3,690 PLN$3,600 PLN

    As you can see, a small difference in the exchange rate leads to Pavel’s parents receiving an extra 90 Polish zloties if Pavel uses the first money transfer company.

    How to compare transfer companies when transferring money to Poland

    • Exchange rates. Higher exchange rates mean that more of your money makes it to your recipient, but remember that some companies that offer great exchange rates will also charge higher fees.
    • Fees. You’ll need to be willing to pay a transfer fee in most cases, and these fees can vary substantially between providers. Some companies will waive their fees for large transfers.
    • Transfer methods. In addition to online or in-branch transfers, keep an eye out for companies that provide smartphone apps and over-the-phone transfers.
    • Transfer options. Flexible options like the ability to schedule recurring payments can save you time if you need to place transfers frequently.
    • Turnaround time. Turnaround times can be as short as a few minutes or as long as several business days, so keep this in mind when choosing a money transfer company.
    • Minimum amount. If your provider imposes a minimum transfer limit, make sure you’ll be able to exceed this limit whenever you need to send a transfer.
    • Pickup methods. Will your cash go straight to your recipient’s bank account, or will they need to visit an agent to pick up the cash in person?
    • Customer service. Phone, email and online chat customer support can provide peace of mind if you have a problem with a transaction.
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    Foreign exchange rates explained
    The exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it will yield more money when exchanging it in a country with a weak currency. For example, in December 2016, the U.S dollar was worth approximately 19 Mexican pesos. However, most countries’ exchange rates are flexible, which means it can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation.

    Options for sending money to Poland from America

    • Bank transfers. Most major banks will allow you to send an international wire transfer to Poland.
    • Online money transfer providers. Send money to any Polish bank account from the convenience of your own home.
    • Money transfer companies with cash pickup options. Providers like Western Union allow your recipient to pick up the funds you send at agent locations across Poland.
    • PayPal. PayPal may be better known for allowing you to pay for online shopping purchases but it’s also able to send international money transfers.
    • Checks. Sending an international guaranteed check is a slow but effective transfer method.
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    Emergency cash transfers in Poland

    If you need to send money to Poland in a hurry, be wary of the fees and exchange rate that apply to your transaction. You’ll usually be charged a premium for sending an urgent transfer, so make sure to closely check the full cost of your transaction.


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    How to send money to Poland

    There are plenty of options to choose from when you need to send money to Poland, and depending on which one you select, you may need to register for an account with the provider. This usually means you’ll need to supply details such as your name and address, your contact details and photo ID before you can send your funds.

    After you place a transfer you will receive a transaction reference number. Use this to check the status of your transfer.

    Tips for picking up cash in Poland

    Whenever you pick up the funds from a cash transfer, make sure that you follow a few simple safety precautions to prevent yourself from becoming a victim of theft or robbery.

    • Avoid any high-crime areas.
    • Take a friend along for assistance and security.
    • Stay aware of your personal security at all times.
    • Deposit large sums into your bank account instead of carrying them around.
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