Find the best way to send money to Poland

Compare 7+ companies that can send money to Poland from the UK.

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, Revolut is among the cheapest, with competitive exchange rates and fees starting from £0. Need a really fast transfer? Revolut 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.
  • Bank transfer. Typically the cheapest option, bank transfers are an easy way to send money to Poland but are often slower than other methods.
  • Cash pickup. If you need your money to arrive fast, cash pickup gives your recipient instant access to the money you've sent when they collect it from their agent location in Poland.
  • Peer-to-peer (P2P) transfer. With this type of transfer, the transfer service matches people buying Pounds in one country with people who are selling it in another, potentially securing a more competitive exchange rate.

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.
1 - 8 of 8
Name Product Ratings Fastest transfer Fee Key benefits Amount received
Finder rating
24 hours
Rate improver guarantee: TorFX will match and beat any rate you're offered by a competitor. T&Cs apply. Get a £50 Amazon voucher for each friend you refer who transfers £5,000 or more. T&Cs apply.
Not rated yet
Within minutes
From £0
Sign up and get 3 months of Revolut Premium for free. T&Cs apply.
6,288.94 zł
Finder rating
24 hours
6,290.52 zł
Finder rating
24 hours
New customers get unlimited fee-free transfers for their first 3 months. T&Cs apply.
6,280.10 zł
Finder rating
Within minutes
From £0
Refer a friend and you'll each get a £25 Amazon voucher when they transfer over £1,000. T&Cs apply.
6,275.53 zł
Atlantic Money (iPhone only)
Not rated yet
Within minutes
Pay no fees on your first Atlantic Money transaction with this link.
6,304.92 zł
Wise (TransferWise)
Finder rating
4 hours
From £0.28
Refer 3 friends to receive up to £50 referral bonus
6,281.40 zł
Airwallex multi-currency business account
Not rated yet
Within minutes
Connect your Airwallex account to Xero at no additional cost. Plus, generate Airwallex payment links to share with your customers anywhere in the world so they can pay in the currency and payment method of their choice. T&Cs apply.
6,205.98 zł

Compare up to 4 providers

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. Revolut and Xe 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:
  • Revolut — within minutes
  • Xe — within minutes
  • Atlantic Money (iPhone only) — within minutes

Actual transfer times from the United Kingdom to Poland can depend on several different 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 of 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 TorFX or OFX 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 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 Revolut and CurrencyFair 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.
    Check 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 stays in regular contact with her 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 = 5.17 PLN 1 GBP = 5.24 PLN
Transfer fee £10 £2.50
Transfer method Bank account deposit Bank account deposit
Processing time 2 - 5 working days Next day
Amount received 10,287.39 PLN 10,462.86 PLN

The money transfer company enables Zofia to send an extra zł175.47, 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 will have 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. Companies such as Xe 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 purpose. Whether your transfer is for personal or business reasons influences which provider you want to use. If it is a one-off personal transfer, then fast and cheap may be the way to go. But if you make recurring transfers or send large amounts, a business transfer specialist like Airwallex multi-currency business account may be more economical.
  • Transfer limits. Find out how much you can send with each service. For example, Xe has a transfer limit of $500,000 while CurrencyFair allows transfers up to £10,000,000.
  • Customer support. If you're sending larger amounts or looking for some guidance, it's important to choose a provider you can contact by phone like Revolut.
  • 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 a little weaker against the zloty. Currently £5,000 is equivalent to zł26,321.50, whereas a month ago, £5,000 was equivalent to zł26,498.00. That's a decrease of 0.67% over the past month.

Similarly, compared to a year ago, the pound is again weaker against the zloty. A year ago, £5,000 was equivalent to zł26,985.50. That's a decrease of 2.46% 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. Based on those two quick glances back, your pounds might not go as far as they would have, so shopping around for the best deal on your transfer is key.

Ready to compare rates?

Get started

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.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site