Find the best way to send money to Poland

Learn how to send money to Poland from the UK in our step-by-step guide.

Looking for the best way to send money from the United Kingdom to family, friends or businesses in Poland (or even to your own overseas bank account)?

Don't head straight to your British bank – compare specialist money transfer services instead. They nearly always offer better PLN exchange rates and lower fees, so for the same amount of pounds you send, your recipient will receive more zlotys.

Of the companies we've compared, Atlantic Money is among the cheapest, with competitive exchange rates and fees starting from £3. Need a really fast transfer? CurrencyFair can get money to your recipient in Poland within minutes.

Best ways to send money to Poland from the UK

The best way to send money to Poland depends on your payment method, how you want your money to be received and how fast you need it to arrive.
  • Online money transfer provider. When buying pounds or zlotys , money transfer specialists typically offer better rates and cheaper fees than a local bank.
  • Bank transfer. Bank transfers are an easy way to send money to Poland, but they charge extra for the convenience and are often slower than other methods. UK banks generally add a 3% to 6% markup onto exchange rates.

Compare the best money transfer companies to send money to Poland

Use our table to compare the best money transfer companies to send money to Poland. You can compare deposit and receiving options, fees and transfer speeds, then click the "Go to site" button when you've found the best one to get your money to Poland.
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Name Product Finder score Fastest transfer Fee Key benefits Amount received
Within minutes
From £1.40
No fees on your first transfer. Refer 3 friends to PassTo and earn £50 once they each make a transfer of at least £200. They'll earn £5 too. T&Cs apply.
6,143.71 zł
Within minutes
Get a £50 Amazon voucher for each friend you refer who transfers £5,000 or more. T&Cs apply.
24 hours
6,145.40 zł
Within minutes
New customers get unlimited fee-free transfers for their first 3 months. T&Cs apply.
6,135.21 zł
Atlantic Money
Not rated yet
Within minutes
Pay no fees on your first Atlantic Money transaction with this link.
6,159.46 zł
Wise (TransferWise)
Within minutes
From £0.28
Refer 3 friends to receive up to £50 referral bonus

Please note: You should always refer to quotes you receive from transfer services themselves directly for exact amounts as they may vary from our estimates.

Cheapest way to send money to Poland

Bank transfers are typically the cheapest way to get your money to Poland. Atlantic Money and CurrencyFair have some of the lowest bank transfer fees of the brands we've compared.

When you're hunting down the cheapest ways to send money to Poland, it's more important to look at the overall cost of your transfer. This has a couple of elements:

  • Transfer fees. While still cheaper than your British bank, some money transfer services charge either a fixed or percentage-based fee for making your transfer.
  • Exchange rates. Another way money transfer providers make money is to add a margin to the mid-market GBP/PLN exchange rate.

Some providers may charge the mid-market rate but add fees on top. Others may have very low fees but apply a markup on the exchange rate. This means it is important to compare exactly how many zlotys your recipient will end up with.

Fastest way to send money to Poland

Many online providers can offer transfers to Poland within minutes, although you're likely to pay a premium for the convenience.

Here are some of the fastest average transfer speeds to Poland:
  • CurrencyFair — within minutes
  • Atlantic Money — within minutes

Actual transfer times from the United Kingdom to Poland can depend on several several factors including transfer amount, payment method and currency.

Safest way to send money to Poland

The safest way to get your money to Poland is to use a provider registered with the United Kingdom's industry regulator, the Financial Conduct Authority (FCA). All the companies we've compared in our table are overseen by a local regulator and comply with the relevant laws and regulations in both the United Kingdom and Poland.

A great way to dive deeper is by reading our extended reviews of each transfer service and researching first-hand customer feedback on Trustpilot and similar platforms.

Large money transfers to Poland

If you need to make a sizable money transfer to Poland, consider using a provider such as Wise (TransferWise) or TorFX to benefit from its expertise in handling larger transfer amounts.

Using a large transfer specialist can have the following advantages:
  • Tax guidance. Large transfers to Poland may have tax implications for you or your recipient. A transfer specialist can help get you up to speed on the HMRC's latest advice.
  • Foreign exchange (forex) tools. Advanced tools such as forward contracts, limit orders and stop-loss orders can help you lock in the PLN exchange rate you want.
  • Account manager. Some money transfer providers assign a personal account manager who can help and advise you on your transfer needs.
  • Phone service. If you want to talk your transfer through with someone, providers such as Wise (TransferWise) and Atlantic Money can give you support over the phone.

How to send money to Poland from the UK

To send money to Poland, you'll need the necessary documentation, your recipient's details and a way to pay.

  1. Compare your options.
    Use our table to find a money transfer provider that sends funds to Poland. One may be better for cash pickups, while another may suit a bank transfer. Once you've found the best one for your requirements, click "Go to site".
  2. Create an account.
    You'll need to give your name, address, contact details, proof of ID and method of payment.
  3. Provide your recipient's details.
    Enter your recipient's name and contact information. If you're sending straight to their Polish bank account, you'll need the account number, SWIFT or IBAN plus their bank branch's address.
  4. Enter your transfer amount.
    Make sure you're happy with the fees, exchange rates and transfer speed, then enter the amount you wish to send. Double-check the total zlotys your recipient gets.
  5. Complete your transfer.
    Send your money transfer to Poland. Keep your transaction reference number safe so you can track your transfer. Your recipient may need it, too.

Example: Zofia sends money to Poland

Zofia is working in the United Kingdom as a doctor and she regularly contacts his elderly parents back home in Poland. Her parents need some funds to help pay off a mortgage, so Zofia plans to send them £2,000 from the United Kingdom.

She decides to compare a bank and a money transfer specialist to see which one can save the most money on her transaction.

Bank Money transfer company
Exchange rate 1 GBP = 5.03 PLN 1 GBP = 5.09 PLN
Transfer fee £10 £2.50
Transfer method Bank account deposit Bank account deposit
Processing time 2 - 5 working days Next day
Amount received 10,003.84 PLN 10,174.47 PLN

The money transfer company enables Zofia to send an extra zł170.64, which is transferred straight to her parents' Santander Bank Polska account.

How to choose the best money transfer companies to send money to Poland

When choosing a money transfer provider to send money from the United Kingdom to Poland, it's important to consider the cost, how you want your recipient to receive the funds and the turnaround time. Here are other features to review:

  • Exchange rates. Banks and transfer services use the mid-market rate to trade with one another. It is the best rate you can get. However, not all money transfer providers offer you this mid-market rate so compare the PLN you're offered to the mid-market rate and look for the smallest difference.
  • Transfer fees. Are you being charged a flat fee or a percentage of your transfer amount? For example, a provider offering to transfer your money to Poland for a flat or low fee might work out better if you plan to send a large amount.
  • Transfer type. Does your recipient have a Polish bank account or is cash or cell phone top-up a better option? Each transfer type has different fees. For example, instant cash pickups tend to be more expensive than bank transfers .
  • Transfer speed. If you need your transfer to arrive quickly, you can pay for an express delivery. Some companies offer instant cash pickups but may charge more. If you're not in a rush, online money transfer services offer the best value and get your money to Poland faster and cheaper than banks.
  • Transfer limits. Find out how much you can send with each service. For example, Atlantic Money has a transfer limit of £1,000,000 while CurrencyFair allows transfers up to £10,000,000.
  • Discounts. Some providers may offer you a free transfer simply for signing up. Others may offer a discount if you transfer more than a specific amount of zlotys.

Is this a good time to send money to Poland?

Compared to a month ago, the pound is stronger against the zloty. Currently £5,000 is equivalent to zł25,596.00, whereas a month ago, £5,000 was equivalent to zł24,883.00. That's an increase of 2.87% over the past month.

But compared to a year ago, the pound is weaker against the zloty. A year ago, £5,000 was equivalent to zł26,052.00. That's a decrease of 1.75% over 12 months.

What's more important, however, is where the strength of the pound against the zloty goes from here – which is harder to call. But whichever way it goes, shopping around has the potential to get you more zlotys for your pounds and can help you get the best out of any market conditions.

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Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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