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.
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Compare international money transfer services to Poland
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 1
Money transfer company 2
1 NZD = 2.58 PLN
1 NZD = 2.52 PLN
Bank account deposit
Bank account deposit
3 business days
4 business days
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.
Click “Go to site” and register with the provider.
Start a transaction, enter your recipient’s information and how much you want to send.
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.
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.
Adrienne Fuller is the head of publishing at Finder. With a decade of experience creating guides in finance and education, she aims to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. For the past 3 years she has been the publisher of money transfers, helping readers save when they send money all over the globe. She has a BA from Colorado College and loves to hike with her two Catahoula dogs around her home in San Diego.
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