Review: Funcik international money transfers

Funcik offers fast and competitively priced transfers from the UK to Poland with straightforward registration.

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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
  • Not so good if you do not speak Polish

Funcik exchange rates and fees

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 takeClock icon for transfer speed

1 day

Is Funcik safe to use?

  • Regulation: Regulated by the FCA
  • Security: Encryption, Verified by Visa (3D Secure)
  • Established: 2013

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

How do I make an international money transfer with Funcik?

  1. Log in to your account.
  2. Choose the type of transfer and the amount you want to send to Poland.
  3. Enter the recipient’s bank details.
  4. 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


  • 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.


  • 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 promoted deals first
Our table below lets you compare the services you can use to send money abroad. Choose if you want to send under or over £10,000, and you’ll be shown a list of services that can help you.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
Wise (TransferWise) for large transfers
Within an hour
From £3.75

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Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
24 hours

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TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
Central FX
24 hours

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CentralFX's dedicated team will guide you or your business from first call to final payment.
Currencies Direct
Within an hour

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CurrenciesDirect makes transferring money abroad simple with bank-beating exchange rates.
24 hours

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CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
XE Money Transfers
24 hours
SPECIAL OFFER ✓ £25 Amazon voucher when you refer a friend

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XE has fast transfers with low fees and a range of foreign currency tools.
Wise (TransferWise)
Within an hour
From £3.75

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Within minutes
From £0.99
SPECIAL OFFER ✓ First two transfers free for new customers.

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Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.
24 hours
SPECIAL OFFER ✓ Zero fees on your first 10 transfers

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CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Within minutes
From £1.49
SPECIAL OFFER ✓ Free transfers and better exchange rates for new customers

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Remitly has quick, affordable transfers around the world, with both express and economy options.
Within an hour
From £1.99
SPECIAL OFFER ✓ Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.

View details
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.

Compare up to 4 providers

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