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Looking for the best way to send money from the United States to family, friends or businesses in Poland (or even to your own overseas bank account)?
Don't head straight to your American bank – compare specialist money transfer services instead. They nearly always offer better PLN exchange rates and lower fees, so for the same amount of US dollars you send, your recipient will receive more zlotys.
Of the companies we've compared, MoneyGram is among the cheapest, with competitive exchange rates and fees starting from From $0. Need a really fast transfer? MoneyGram can get money to your recipient in Poland within minutes.
Bank transfers are typically the cheapest way to get your money to Poland. MoneyGram and Wise (TransferWise) have some of the lowest bank transfer fees of the brands we've compared.When you're hunting down the cheapest ways to send money to Poland, it's more important to look at the overall cost of your transfer. This has a couple of elements:
Some providers may charge the mid-market rate but add fees on top. Others may have very low fees but apply a markup on the exchange rate. This means it is important to compare exactly how many zlotys your recipient will end up with.
Many online providers can offer transfers to Poland within minutes, although you're likely to pay a premium for the convenience.Here are some of the fastest average transfer speeds to Poland:
Actual transfer times from the United States to Poland can depend on several different factors including transfer amount, payment method and currency.
The safest way to get your money to Poland is to use a provider registered with the United States's industry regulator, the Consumer Financial Protection Bureau. All of the companies we've compared in our table are overseen by a local regulator and comply with the relevant laws and regulations in both the United States and Poland.
A great way to dive deeper is by reading our extended reviews of each transfer service and researching first-hand customer feedback on Trustpilot and similar platforms.
If you need to make a sizable money transfer to Poland, consider using a provider such as Currencies Direct or OFX to benefit from its expertise in handling larger transfer amounts.Using a large transfer specialist can have the following advantages:
To send money to Poland, you'll need the necessary documentation, your recipient's details and a way to pay.
Zofia is working in the United States as a doctor and she stays in regular contact with her elderly parents back home in Poland. Her parents need some funds to help pay off a mortgage, so Zofia plans to send them $2,000 from the United States.
She decides to compare a bank and a money transfer specialist to see which one can save the most money on her transaction.
|Bank||Money transfer company|
|Exchange rate||1 USD = 4.23 PLN||1 USD = 4.29 PLN|
|Transfer method||Bank account deposit||Bank account deposit|
|Processing time||2 - 5 working days||Next day|
|Amount received||8,424.47 PLN||8,568.17 PLN|
The money transfer company enables Zofia to send an extra zł143.70, which is transferred straight to her parents' Santander Bank Polska account.
When choosing a money transfer provider to send money from the United States to Poland, it's important to consider the cost, how you want your recipient to receive the funds and the turnaround time. Here are other features to review:
Compared to a month ago, the US dollar is weaker against the zloty. Currently $5,000 is equivalent to zł21,555.00, whereas a month ago, $5,000 was equivalent to zł22,243.50. That's a decrease of 3.1% over the past month.
But compared to a year ago, the US dollar is stronger against the zloty. A year ago, $5,000 was equivalent to zł20,938.00. That's an increase of 2.95% over 12 months.
What's more important, however, is where the strength of the US dollar against the zloty goes from here – which is harder to call. But whichever way it goes, shopping around has the potential to get you more zlotys for your US dollars and can help you get the best out of any market conditions.
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