MUST READ: The Funcik website is only available in Polish. It’s a good idea to get a Polish speaker to check the terms, conditions and finer details for you.
Good for sending money quickly and cheaply to Poland
Funcik charges transfer fees of 1.99% of the amount sent. Priority transfers, which let you send money to Poland in 10 minutes, cost an extra £5. It also adds a margin to the mid-market exchange rate.
Available currencies
Funcik exclusively sends money between the UK and Poland.
What types of transfers can you make with Funcik?
Funcik lets you transfer money to zloty bank accounts in Poland.
How long does a transfer with Funcik take?
You can choose either a standard or priority transfer to Poland. Standard transfers will arrive in the recipient’s bank account on the next working day. Funcik claims priority transfers will take just 10 minutes.
What payment methods does Funcik accept?
You can pay for the transfer using Visa Debit, Electron, Maestro or Debit Mastercard. The daily online transaction limit is £10,000.
Transfers typically take
1 day
Is Funcik safe to use?
Regulation: Regulated by the FCA
Security: Encryption, Verified by Visa (3D Secure)
Established: 2013
Funcik is owned by One Money Mail Limited, which is regulated by the Financial Conduct Authority (FCA).
How does Funcik make money?
Funcik makes money by charging transfer fees and adding a small margin to the interbank exchange rate, which is why the exchange rate you might see on Google is slightly different from the one Funcik is quoting.
How to register an account
Click on “Register” in the top right-hand corner.
Fill in your email address, tick the boxes confirming you’ve read the privacy policy and terms of service and then click on “Register”. You’ll then be sent an email to confirm your email address.
Once you’ve confirmed your email address, you can fill in the rest of your details. This includes your name, surname, date of birth, address and phone number. You’ll also be asked to create a password and to select a security question. Once all that’s filled in, click on “Save”. Once that’s done, you can start sending money.
How do I make an international money transfer with Funcik?
Log in to your account.
Choose the type of transfer and the amount you want to send to Poland.
Enter the recipient’s bank details.
Pay for the transfer using Visa Debit, Electron, Maestro or Debit Mastercard.
What is Funcik?
Funcik was created for Polish people living and working in Great Britain who need to pay bills in Poland or want to send money to friends and family back home. It’s based in London.
In a nutshell
Pros
Transparent fees. Funcik charges set fees that depend on the transfer you choose.
Fast transfers. Send money to Poland in 10 minutes or by the next working day.
No documents required. Most people just need to register and they can automatically send money.
Good customer service. The support team is available every day of the week.
Cons
No cash pick-up. You can only make a bank transfer.
Poland/UK only. It’s only for sending money between the two countries and nowhere else.
No branches. You can’t get face-to-face support.
Polish-only website. Google Translate works well, but it might be a good idea to get a Polish speaker to check the terms, conditions and finer details for you.
Limited independent verification. At the time of writing (11 February 2020), Funcik wasn’t registered on Trustpilot, and it’s also hard to find additional information about its security.
How does Funcik 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 Funcik. Compare it with the other providers to see if it’s the best option for you to send money to Poland.
Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.
Frequently asked questions
If you need to cancel or amend a standard transfer, call the customer support team as soon as possible. You can’t cancel priority 10-minute transfers, though.
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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