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.

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Money transfers can be troublesome, especially when you aren’t sure where to go to send money to Poland. Instead of visiting multiple banks to see if they exchange US dollars for Polish Zloty, you may want to focus on comparing your options with money transfer companies. These can keep things quick and cheap so you can spend less time figuring out how to send money and more time doing other important tasks.
CurrencyTransfer

Send money internationally with CurrencyTransfer

Get the best foreign exchange rates available from this online marketplace.

  • Exclusive to Finder readers: Minimum transfer of $1,000 (normally $5,000).
  • Fast 1-2 day delivery to bank accounts.
  • No fees.
  • Globally trusted brand.
  • CurrencyTransfer reimburses you the difference if you get a better rate somewhere else.

    Compare international money transfer services to Poland

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    USD 1 1 - 2 days USD 0.00 3.839 PLN 19,196 Offering no maximum and no minimum limit transfers with $0 fees. Go to site Show details
    USD 1 1 - 2 days USD 45.00 3.858 PLN
    19,119
    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
    USD 1 Within an hour USD 3.99 3.842 PLN 19,196 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
    GBP 1,000 1 - 2 days USD 0.00 3.82 PLN 19,099 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
    For larger transfers, get no transaction fees and no maximum send limits.
    Go to site Show details
    USD 1,000 1 day USD 0.00 3.82 PLN 19,099 No-maximum limit transfers with competitive exchange rates for 100+ currencies. Go to site Show details
    USD 5,000 1 day USD 0.00 3.82 PLN 19,099 Venstar will support you through the entire process of your international transactions, from start to finish. Go to site Show details

    Compare up to 4 providers

    Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

    How do international money transfers work?

    International money transfers allow you to send money to a recipient in a different country, generally by providing funds to a bank or independent money transfer company. You have plenty of delivery methods, too. Bank-to-bank transfers, cash pickup and deposits are all possible. All you need to do is find the right company with a good exchange rate and low fees and complete a few simple forms. Then your recipient should get their cash within a few days.

    Banks vs. money transfer companies/services

    While banks can easily send international wire transfers, they’ll charge high fees and offer unattractive exchange rates. Money transfer companies, on the other hand, focus solely on moving money internationally. This allows them to offer better exchange rates and lower fees than you would get from a bank, making it a more affordable way to send money to Poland.

    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, he decides to investigate the services of a couple of money transfer providers.

    Money Transfer Company AMoney Transfer Company B
    Exchange rate$1 USD = $3.69 PLN$1 USD = $3.60 PLN
    Transfer fee$5$4
    Transfer methodBank account depositBank account deposit
    Transfer speed
    3 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 zloty if Pavel uses the first money transfer company.

    Back to top

    Options for sending money to Poland from the US

    • 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.
    • 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.
    • 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.

    How to send money to Poland

    If you’ve decided to go with a money transfer company, follow these steps to make the process quick and painless.

    1. Compare your money transfer options in the table above.
    2. Click Go to site and register with the provider.
    3. Start a transaction, enter your recipient’s information and how much you want to send.
    4. Pay for your transfer and save your receipt or tracking number.

    You can use your tracking number to keep an eye on the progress of your transfer and report any problems if they come up.

    Foreign exchange rates explained

    Both money transfer companies and banks use exchange rate to determine how much one country’s currency is worth when converted to the currency of another currency. And because the US dollar is strong when compared to the Polish zloty, you’ll be able to send more zloty per dollar you spend. Keep in mind that this amount changes daily, so you’ll want to stay on top of trends if you plan on frequently sending money to Poland.

    See today’s USD to PLN exchange rate


    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. Closely check the full cost of your transaction, and don’t be afraid to take a little extra time to compare your options. It could save your money and get more zloty in your recipient’s pocket when they need it most.

    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.

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

    Read more on this topic

    • XE vs. OFX money transfers Check out this side-by-side comparison of XE and OFX to find out which provider offers the best value on international money transfers.
    • Alternatives to CurrencyFair Thinking of using CurrencyFair? Double check to make sure it’s the best option for you before sending money overseas.
    • Alternatives to InstaReM Find the best alternative websites to InstaReM for online money transfers.
    • XE vs. TorFX We look at TorFX and XE to see which will get you a better deal the next time you send money overseas.
    • XE vs. Western Union We compare XE's and Western Union’s fees, exchange rates and transfer speeds side by side.
    • Remitly vs. PayPal Compare a well-known payments giant to the newer Remitly and see which one can give you a better deal.
    • Remitly vs. TransferWise Remitly and TransferWise’s fees, exchange rates and speeds compared side by side.
    • How to send money to Guinea Compare the services that send money to Guinea. Find out how to get the best value for your money, how long it takes and what to look out for.
    • Best places to exchange currency in Sydney Your guide to currency exchange services in Sydney, including where to find the best exchange rates and lowest fees.
    • Best places to exchange currency in Winnipeg Looking for the best deal on Canadian dollars in Winnipeg? Compare popular services and access handy tips to get the most out of your next transfer.

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site