Review: international money transfers

With free transfers over £100 and very competitive exchange rates, offers a competitive option to send money between the UK and Poland.


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  • Good for speedy and secure transfers to Poland.
  • Not so good for small transfers under £100. exchange rates and fees charges £3 for transfers under £100, but all transfers over £100 are free.

It also adds a margin to the mid-market exchange rate, but at the time of writing (14 February 2020), this was quite small compared with some other UK-to-Poland transfer services.

Available currencies is exclusively for sending money from the UK to Poland, so only offers GBP to PLN transfers.

What types of transfers can you make with lets you send money to all zloty bank accounts in Poland. Once you go through its online verification process, you can transfer up to £10,000 a day.

How long does a transfer with take? claims that transactions are usually carried out within an hour of payment. Payments made before 2pm will be sent to the recipient’s zloty account on the same day. Those made after 2pm will be in the recipient’s account by the next working day at the latest.

What payment methods does accept?

If you’re sending less than £100, you can pay by card, but it includes a £3 fee. If it’s over £100, then you’ll need to pay by bank transfer.

Transfers typically takeClock icon for transfer speed

1 day

Is safe to use?

  • Regulation: Regulated by the Polish Financial Supervision Authority (KNF).
  • Security: Encryption, SSL with 128-bit encryption, GeoTrust certified, GG codes (which is like two-factor authentication).
  • Established: 2005.
  • Customers: More than 70,000*.
  • Reviews: 4.7 out of 5 on Trustpilot, based on more than 100 reviews*.
*According to and Trustpilot on 14 February 2020.

How does make money? makes money by charging transfer fees. It also adds a small margin to the interbank exchange rate, which is why the exchange rate you might see on Google is slightly different to the one is quoting.

How to register an account and make your first money transfer

What is has been running money transfers between the UK and Poland since 2005, transferring £75 million a year for more than 70,000 registered customers.

It says its aim is to make life easier for all Polish people living in the UK by offering simple, cheap and fast transfers between the two countries.

In a nutshell


  • No transfer fees for some transfers. You avoid transfer fees only if you’re sending more than £100.
  • Competitive exchange rates. You can check out live rates on its homepage.
  • Fast transfers. If you send money before 2pm, the recipient will get it on the same day.
  • Secure sign-up. Extra measures include email and two-step verification.
  • Live chat and Skype instant messaging. The customer service team is available from 6am to 5pm Monday to Friday.


  • £3 fee for payments under £100. The fee can be problematic if you want to pay for utility bills.
  • No cash pick-up. You can only make bank transfers.
  • Poland/UK only. The service is only for sending money between the two countries.
  • Potential language issues. Its website is translated clearly into English, but be aware the support team is based in Poland.

How does compare to other services?

Table: sorted by a combination of service offering and the amount your recipient will receive
The table below shows the fees and exchange rates you can expect from other money transfer specialists compared with Compare it with the other providers to see if it’s the best option for you to send money to Poland.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 2,000 1 day GBP 0.00 1.102 EUR
Get bank-beating exchange rates and no fees when you transfer with TorFX. Go to site Show details
GBP 5,000 Same day GBP 0.00 1.102 EUR
Universal Partners FX offers competitive exchange rates and same-day transfers for 100+ currencies. Go to site Show details
GBP 2,000 1 day GBP 0.00 1.102 EUR
Make transferring money abroad as simple and safe as possible with bank-beating exchange rates - online, via the app or over the phone. Go to site Show details
GBP 5,000 1 day GBP 0.00 1.102 EUR
Take advantage of fee lock-ins and live bookable rates, helping you save up to 85% in hidden bank fees. Go to site Show details
GBP 2,500 Same day GBP 0.00 1.102 EUR
Central FX’s dedicated private client team will guide you through the money transfer process from first call to final payment. Go to site Show details
GBP 1 Same day GBP 0.00 1.102 EUR
Whatever amount you transfer, XE will not charge you a fee for using their service. Go to site Show details
GBP 3,000 1 day GBP 0.00 1.102 EUR
Get no fees as a Finder customer when you transfer your money overseas with Global Reach. Go to site Show details
GBP 1 1 - 2 days GBP 1.99 1.092 EUR
Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
Go to site Show details
GBP 5 2 days EUR 3.00 1.101 EUR
Special offer: Zero fees on your first 10 transfers.
Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
GBP 10 Within an hour GBP 2.00 1.1 EUR
First two transfers free for new customers.
Instant or 1 hour transfers to over 50 countries, send money directly to bank accounts or over 280,000 cash pickup points.
Go to site Show details
GBP 50 Same day GBP 2.99 1.095 EUR
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
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.
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