Review: Minutka international money transfers

Minutka offers fast money transfers from the UK to Poland after a simple registration process.


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  • Good for sending money quickly to Polish bank accounts.
  • Not so good if you don’t speak Polish.

The Minutka 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.

Minutka exchange rates and fees

Minutka charges fixed transfer fees of £2.90 for a standard 2-working-day transfer, £3.90 for an express 1-working-day transfer and £5.90 for a 10-minute transfer. It also adds a margin to the mid-market exchange rate.

Available currencies

Minutka exclusively sends money between the UK and Poland.

What types of transfers can you make with Minutka?

Minutka lets you transfer money via your bank to zloty 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 Minutka take?

If you choose the fastest Minutka transfer, the recipient will have your money within 10 minutes. An express transfer will get it there the next working day, and a standard transfer will send it within the next two working days.

What payment methods does Minutka accept?

You can pay for the transfer using Visa Debit, Electron, Maestro or Debit Mastercard.

Transfers typically takeClock icon for transfer speed

2 working days

Is Minutka safe to use?

  • Regulation: Regulated by the FCA
  • Security: Encryption, Verified by Visa (3D Secure)
  • Established: 2011
  • Customers: Unknown
  • Reviews: At the time of writing (13 February 2020), we couldn’t find any reviews of Minutka, either on independent sites or on its own website. There are a few testimonials on their blog, but they are in Polish.

How does Minutka make money?

Minutka makes money by charging transfer fees and also by adding a small margin to the interbank exchange rate. This is why the exchange rate you might see on Google is slightly different from the one Minutka is quoting.

How to register an account

How do I make an international money transfer with Minutka?

  1. Log in to your account and choose what kind of transfer you want to make (Standard, Express or Minutka).
  2. Enter your details.
  3. Enter the recipient’s details.
  4. You’ll then be emailed an account activation link.
  5. Click on the activation link and you can then check the details of the transfer.
  6. Click on “Make a transfer” and enter your card details, then click on “Confirm”.
  7. You’ll receive an email and a text message confirming the transfer has taken place.

What is Minutka?

Set up in 2011 and part of the OneMoney Mail Limited group, Minutka says it’s all about offering cheap, fast and reliable transfers from the UK to Poland.

It says its aim is to save its customers time, which is why it is 100% online and why the majority of people don’t have to provide any documentation before they send money.

In a nutshell


  • Transparent fees. Minutka charges set fees depending on how fast you want to send money.
  • Fast transfers. Send money to Poland in under 10 minutes or within the next 2 working days.
  • No documents required. Most people just need to register and they can automatically send money.
  • Pay for bills and loans. You can set up regular payments to pay to any zloty bank account.


  • No cash pick-up. You can only make bank transfers and debit card payments.
  • Poland/UK only. It’s only for sending money between the two countries, and nowhere else.
  • No branches. There is no face-to-face support – although it says that branches and banks are associated with queues, whereas by transferring money through Minutka online there is “no waiting and no waste of time”.
  • Polish-only website. Google Translate works relatively well, but it might be a good idea to get a Polish speaker to check the terms, conditions and finer details for you.
  • Not widely reviewed by users. At the time of writing (11 February 2020), Minutka wasn’t registered on Trustpilot, and it’s also hard to find additional information about its security.

How does Minutka 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 Minutka. Compare it with the other providers to see if it’s the best option for you to send money to Poland.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 2,000 1 day GBP 0.00 5.091 PLN
Get bank-beating exchange rates and no fees when you transfer with TorFX. Go to site Show details
GBP 5,000 Same day GBP 0.00 5.091 PLN
Universal Partners FX offers competitive exchange rates and same-day transfers for 100+ currencies. Go to site Show details
GBP 3,000 1 day GBP 0.00 5.091 PLN
Get no fees as a Finder customer when you transfer your money overseas with Global Reach. Go to site Show details
GBP 5,000 1 day GBP 0.00 5.091 PLN
Take advantage of fee lock-ins and live bookable rates, helping you save up to 85% in hidden bank fees. Go to site Show details
GBP 1 1 - 2 days GBP 1.99 5.045 PLN
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 Show details
GBP 5 2 days EUR 3.00 5.086 PLN
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 Show details
GBP 1 Same day GBP 0.00 5.091 PLN
Whatever amount you transfer, XE will not charge you a fee for using their service. Go to site Show details
GBP 50 Same day GBP 2.99 5.06 PLN
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 Show details
GBP 10 Within an hour GBP 2.00 5.084 PLN
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 Show details

Compare up to 4 providers

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

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