Review: Funcik international money transfers

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

Posted Jun 23, 2020

Fact checked

This product is not currently available via Finder. Visit the provider's website directly, or compare other options.

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

What's in this guide?

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

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 take Clock 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?

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.

I want to send

Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
GBP 2,000	1 day	N/A	N/A	N/A	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	N/A	N/A	N/A	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	N/A	N/A	N/A	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	N/A	N/A	N/A	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	N/A	N/A	N/A	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	1.094	EUR 1,094	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	N/A	N/A	N/A	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	1.085	EUR 1,083	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	1.094	EUR 1,094	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	1.094	EUR 1,092	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	1.089	EUR 1,085	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

Thank you for your feedback!

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: Funcik international money transfers

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

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