Review: England.pl international money transfers

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

Updated Mar 24, 2020

Fact checked

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Good for speedy and secure transfers to Poland.

Not so good for small transfers under £100.

What's in this guide?

England.pl exchange rates and fees
Available currencies
What types of transfers can you make with England.pl?
How long does a transfer with England.pl take?
What payment methods does England.pl accept?
Is England.pl safe to use?
How to register an account and make your first money transfer
What is England.pl?
In a nutshell
How does England.pl compare to other services?
Frequently asked questions

England.pl exchange rates and fees

England.pl 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

England.pl 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 England.pl?

England.pl 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 England.pl take?

England.pl 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 England.pl 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 take Clock icon for transfer speed

1 day

Is England.pl 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 England.pl and Trustpilot on 14 February 2020.

How does England.pl make money?

England.pl 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 England.pl is quoting.

How to register an account and make your first money transfer

What is England.pl?

England.pl 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

Pros

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.

Cons

£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 England.pl 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 England.pl. Compare it with the other providers to see if it’s the best option for you to send money to Poland.

I want to send

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 11,018	Get bank-beating exchange rates and no fees when you transfer with TorFX.	Go to site	Compare	Show details	Details Minimum transfer amount GBP 2,000.00 Transfer methods Online, Phone Transfer options N/A Customer service Phone, Email Available currencies AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, JPY, NOK, NZD, PLN, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
GBP 5,000	Same day	GBP 0.00	1.102	EUR 11,018	Universal Partners FX offers competitive exchange rates and same-day transfers for 100+ currencies.	Go to site	Compare	Show details	Details Minimum transfer amount GBP 5,000.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, ALL, AMD, ANG, AOA, ARS, AUD, BBD, BDT, BGN, BHD, BMD, BND, BOB, BRL, BSD, BWP, CAD, CDF, CHF, CLP, CNY, CRC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HUF, IDR, ILS, INR, JMD, JOD, JPY, KES, KRW, KWD, KYD, KZT, LKR, LRD, LSL, MAD, MDL, MGA, MRO, MUR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PEN, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SCR, SEK, SGD, SLL, SRD, STD, SZL, THB, TND, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, XAF, XCD, XOF, XPF, ZAR Go to site Read the full review
GBP 2,000	1 day	GBP 0.00	1.102	EUR 11,018	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	Compare	Show details	Details Minimum transfer amount GBP 2,000.00 Transfer methods Online, Phone Transfer options N/A Customer service Phone, Email Available currencies AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, JPY, NOK, NZD, PLN, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
GBP 5,000	1 day	GBP 0.00	1.102	EUR 11,018	Take advantage of fee lock-ins and live bookable rates, helping you save up to 85% in hidden bank fees.	Go to site	Compare	Show details	Details Minimum transfer amount GBP 5,000.00 Transfer methods Online, Phone Transfer options N/A Customer service Phone, Email Available currencies AUD, BDT, BMD, CAD, CNY, DZD, EUR, GBP, HKD, ILS, INR, JMD, JPY, NZD, PHP, PLN, RUB, USD, ZAR Go to site Read the full review
GBP 2,500	Same day	GBP 0.00	1.102	EUR 11,018	Central FX’s dedicated private client team will guide you through the money transfer process from first call to final payment.	Go to site	Compare	Show details	Details Minimum transfer amount GBP 2,500.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Chat, Email, Branch Available currencies AED, AUD, BBD, BGN, BHD, BRL, BWP, CAD, CHF, CNY, CZK, DKK, EUR, GBP, GHS, GMD, HKD, HNL, HRK, HUF, IDR, ILS, JOD, JPY, KES, KWD, KYD, LSL, MAD, MUR, MXN, NOK, NZD, OMR, QAR, RON, RSD, RUB, SAR, SEK, SGD, SZL, THB, TND, TRY, UGX, USD, ZAR, ZMW Go to site Read the full review
GBP 1	Same day	GBP 0.00	1.102	EUR 11,018	Whatever amount you transfer, XE will not charge you a fee for using their service.	Go to site	Compare	Show details	Details Minimum transfer amount GBP 1.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email, Branch Available currencies AED, AMD, AUD, BAM, BBD, BDT, BGN, BHD, BND, BRL, BWP, CAD, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EUR, FJD, GBP, GEL, GTQ, HKD, HNL, HRK, HUF, IDR, ILS, JMD, JOD, JPY, KES, KRW, KWD, KZT, LKR, LSL, MAD, MKD, MUR, MWK, MXN, MYR, NAD, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SZL, THB, TND, TOP, TRY, TTD, TWD, TZS, UGX, USD, VUV, WST, XCD, XPF, ZAR Go to site Read the full review
GBP 3,000	1 day	GBP 0.00	1.102	EUR 11,018	Get no fees as a Finder customer when you transfer your money overseas with Global Reach.	Go to site	Compare	Show details	Details Minimum transfer amount GBP 3,000.00 Transfer methods Online, Phone Transfer options N/A Customer service Phone, Chat, Email Available currencies AED, AUD, BBD, BGN, BHD, BSD, BWP, CAD, CHF, CZK, DKK, EUR, GBP, GHS, HKD, HRK, HUF, ILS, ISK, JOD, JPY, KES, KWD, KYD, LKR, MAD, MUR, MXN, NOK, NZD, OMR, PKR, PLN, QAR, RON, RUB, SAR, SEK, SGD, THB, TND, TRY, TTD, UGX, USD, XCD, ZAR Go to site Read the full review
GBP 1	1 - 2 days	GBP 1.99	1.092	EUR 10,917	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	Compare	Show details	Details Minimum transfer amount GBP 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options N/A Customer service Phone, Chat, Email Available currencies ARS, BDT, BGN, BOB, BRL, CLP, CNY, COP, CRC, CZK, DOP, EGP, ETB, EUR, GBP, GHS, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, INR, JMD, KES, KMF, KRW, LKR, MAD, MXN, MYR, NGN, NIO, NPR, PEN, PHP, PKR, PLN, PYG, RON, RWF, THB, TND, TRY, TZS, UGX, USD, UYU, VND, XAF, XOF, ZAR Go to site Read the full review
GBP 5	2 days	EUR 3.00	1.101	EUR 11,007	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	Compare	Show details	Details Minimum transfer amount GBP 5.00 Transfer methods Online Transfer options N/A Customer service Phone, Email Available currencies AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, IDR, ILS, INR, NOK, NZD, PHP, PLN, SEK, SGD, THB, USD, ZAR Go to site Read the full review
GBP 10	Within an hour	GBP 2.00	1.1	EUR 11,002	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	Compare	Show details	Details Minimum transfer amount GBP 10.00 Transfer methods Online, Phone, Agent, Cash Transfer Transfer options N/A Customer service Phone, Email, Branch Available currencies AED, ALL, AMD, AOA, ARS, AUD, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BOB, BRL, BWP, CAD, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, DZD, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, LAK, LBP, LKR, MAD, MDL, MGA, MNT, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SLL, SZL, THB, TJS, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, VEF, VND, VUV, WST, XAF, XOF, XPF, ZAR, ZMW, ZWD, BYN Go to site Read the full review
GBP 50	Same day	GBP 2.99	1.095	EUR 10,949	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	Compare	Show details	Details Minimum transfer amount GBP 50.00 Transfer methods Online Transfer options N/A Customer service Chat, Email Available currencies AED, ALL, AMD, AOA, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BRL, BWP, CAD, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, LAK, LBP, LKR, LRD, LSL, MAD, MDL, MGA, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PEN, PHP, PKR, PLN, PYG, QAR, RON, RUB, RWF, SCR, SEK, SGD, SLL, SOS, SRD, THB, TJS, TND, TOP, TRY, TZS, UAH, UGX, USD, UYU, VND, WST, XAF, XCD, XOF, ZAR, ZMW, BYN Go to site Read the full review

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Frequently asked questions

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Anna Kierstan

Anna Kierstan is an associate editor at Finder, specialising in money transfers and cryptocurrency. She has more than 15 years’ experience in publishing and journalism, working as an editor for brands including HSBC, Which?, NFU Mutual, Weight Watchers and AXA. She has a first-class degree in Linguistics and Philosophy from University College London and Masters degrees in Journalism and Translation. She likes to collect art and animals.

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Review: England.pl international money transfers

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

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