Review: Sami Swoi international money transfers

Sami Swoi claims to be the largest Polish money transfer network in the UK, offering a wide range of money transfer options with competitive rates and transparent fees.


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  • Good for sending quick, cheap regular payments to Poland.
  • Not so good if you want to send it from elsewhere in Europe.

Sami Swoi exchange rates and fees

Sami Swoi charges set transfer fees ranging between 77p for a 2-working day transfer and £5.77 to send up to £1,000 to Poland in 10 minutes. It also adds a margin to the mid-market exchange rate.

Available currencies

As well as transferring money to Poland from the UK, with Sami Swoi you can also send it from other European countries – but watch out, as the non-UK transfer fees are quite pricey.

What types of transfers can you make with Sami Swoi?

You can send money from one of 30 UK branches, over the phone, via the website or by using the mobile app, which you can download for free on Android, iOS and Windows devices. The recipient can either get the money into their bank account or they can pick it up at the Post Office.

You can also set up standing orders for regular bill payments in Poland. You just set the order once and confirm a future payment schedule.

How long does a transfer with Sami Swoi take?

Sami Swoi claims that Economic transfers will take 2 working days, Express transfers take 1 working day, Live Bank transfers take just 10 minutes and cash pick-up at the Post Office is available 2 hours after the transfer.

What payment methods does Sami Swoi accept?

You can pay for the transfer by bank transfer or by using Visa Debit, Electron, Maestro or Debit Mastercard. The daily online transaction limit is £10,000.

Transfers typically takeClock icon for transfer speed

2 working days

Is Sami Swoi safe to use?

  • Regulation: Regulated by the FCA
  • Security: Encryption, Verified by Visa (3D Secure)
  • Established: 2010
  • Customers: 300,000-plus*
  • Reviews: There are only 3 very out-of-date reviews on Trustpilot, but on its website Sami Swoi claims to have more than 84,400 positive 5-star reviews.*
*According to Sami Swoi and Trustpilot on 13 February 2020.

How does Sami Swoi make money?

Sami Swoi makes money by charging set transfer fees and by adding a small margin to the interbank exchange rate, which is why the exchange rate you might see on Google is slightly different to the one Sami Swoi is quoting.

How to register an account

How do I make an international money transfer with Sami Swoi?

  1. Log in to your account.
  2. Choose the type of transfer, the amount you want to send and how you want to pay.
  3. Enter the recipient’s bank details.
  4. Pay for the transfer by bank transfer or by Visa Debit, Electron, Maestro or Debit Mastercard.

What is Sami Swoi?

Sami Swoi was created for Polish people living and working in Great Britain who need to pay bills in Poland or want to send money to any friends or family back home. It was set up in London in 2005 and since then claims to have transferred money for more than 300,000 customers.

Sami Swoi has a community feel, and its branches offer additional services including translating documents, local noticeboards and selling coach tickets from the UK to Poland.

In a nutshell


  • Various transfer options. Send money online, via the free app, in branches or over the phone.
  • Transparent fees. Sami Swoi charges set fees for a range of transfer options.
  • Fast transfers. Send money to Poland in 10 minutes or by the next working day.
  • Cash pick-up. Recipients can collect money from the Post Office two hours after the transfer.
  • No documents required. Most people just need to register and they can automatically send money.
  • Set standing orders. If you need to make regular payments to Poland, just set the order once and confirm a future payment schedule.
  • 30 branches. If you would rather arrange your transfer face to face.
  • Good customer support. The team is available to talk to every day of the week over the phone, by email and via Skype.


  • Expensive from other European countries. Transfer fees are quite pricey if you’re sending money to Poland from another EU country.
  • Language limitations. Although you can read the website in English or Polish, some of the translations are a bit questionable, so it might be a good idea to get a Polish speaker to check the terms and conditions and finer details for you.
  • Confusing web address. It doesn’t actually contain “Sami Swoi” – it is the Polish phrase for “money transfer”.
  • Not widely reviewed by users. At the time of writing on 13 February 2020, Sami Swoi had only 3 out-of-date reviews on Trustpilot. It claims on its website to have had 84,400 positive 5-star reviews, but there’s no independent verification of this.

How does Sami Swoi 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 Sami Swoi. 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 1.102 EUR
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 1.102 EUR
Universal Partners FX offers competitive exchange rates and same-day transfers for 100+ currencies. Go to site Show details
GBP 2,000 1 day GBP 0.00 1.102 EUR
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 Show details
GBP 5,000 1 day GBP 0.00 1.102 EUR
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 2,500 Same day GBP 0.00 1.102 EUR
Central FX’s dedicated private client team will guide you through the money transfer process from first call to final payment. Go to site Show details
GBP 1 Same day GBP 0.00 1.102 EUR
Whatever amount you transfer, XE will not charge you a fee for using their service. Go to site Show details
GBP 3,000 1 day GBP 0.00 1.102 EUR
Get no fees as a Finder customer when you transfer your money overseas with Global Reach. Go to site Show details
GBP 1 1 - 2 days GBP 1.99 1.092 EUR
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 1.101 EUR
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 10 Within an hour GBP 2.00 1.1 EUR
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
GBP 50 Same day GBP 2.99 1.095 EUR
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

Compare up to 4 providers

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

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