Best way to send money to Poland | finder.com

How to send money to Poland

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

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.
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    Compare international money transfer services to Poland

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    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    $0 3 - 5 days USD 0.00 3.706 PLN 18,529 Transfer up to $500,000 with no minimums and no fees. Go to site Show details
    USD 1,000 1 day USD 0.00 3.709 PLN 18,547 Exclusive offer: $0 transfer fee
    No-limit transfers with competitive exchange rates for 100+ currencies.
    Go to site Show details
    USD 1 Within an hour USD 3.99 3.709 PLN 18,533 Use promo code FINDER to send your first transfer at no fee to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
    GBP 5,000 1 - 2 days USD 0.00 3.706 PLN 18,529 Get live quotes on exchange rates and take advantage of no transaction fees with no limits on transfers. Go to site Show details

    Compare up to 4 providers

    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 versus 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.

    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 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 zloty if Pavel uses the first money transfer company.

    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. As of September 2018, this amount was about zł3.63 per $1. 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.
    • 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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