How to send money to Poland

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

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Money transfers can be troublesome, especially when you aren’t sure where to go to send money to Poland. Instead of visiting different banks to see if they exchange New Zealand 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.
XE Money Transfers

XE International Money Transfers

Enjoy fast, secure and fee-free international money transfers with global payments provider XE.

  • Send money in 40+ currencies
  • No transfer fees
  • See exchange rates in real-time
  • Secure and regulated by the FMA

    Compare international money transfer services to Poland

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    NZD 250 1 day NZD 0.00 2.475 PLN
    12,373
    SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
    Fee-free transfers in 30+ currencies to over 200 countries.
    Go to site Show details
    NZD 1 Within an hour NZD 3.99 2.481 PLN
    12,395
    An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
    NZD 0 1 day NZD 0.00 2.476 PLN
    12,380
    Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
    AUD 250 1 - 2 days NZD 15.00 2.473 PLN
    12,330
    A higher exchange rate applies to non-finder customers. Send money in 45 currencies. No fee if you transfer over AUD$10,000. Go to site Show details
    AUD 2,000 1 day NZD 0.00 2.461 PLN
    12,305
    TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply. Go to site Show details
    NZD 2,000 2 days NZD 0.00 2.476 PLN
    12,380
    Exclusive offer: $0 transfer fee and discounted exchange rates for your first trade only.
    A higher exchange rate applies to non-finder customers. Send money in more than 130 currencies.
    Go to site Show details
    NZD 1 1 - 2 days NZD 40.00 2.491 PLN
    12,355
    Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
    NZD 5 1 - 2 days EUR 3.00 2.478 PLN
    12,392
    Go to site Show details

    Compare up to 4 providers


    The “Rate” and “Amount Received” displayed are indicative rates that have been supplied by each brand or gathered by Finder.

    Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

    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 pick-up 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 in Christchurch 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 rate1 NZD = 2.58 PLN1 NZD = 2.52 PLN
    Transfer fee$5$5
    Transfer methodBank account depositBank account deposit
    Processing time3 business days4 business days
    Amount received 2,575 PLN2,515 PLN

    As you can see, a small difference in the exchange rate leads to Pavel’s parents receiving an extra 60 Polish zloty if Pavel uses the first money transfer company.

    Options for sending money to Poland from New Zealand

    • Money transfer companies with cash pick-up 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.
    • Cheques. Sending an international cheque 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 New Zealand dollar is quite strong 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 NZD 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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