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BZ WBK International Transfers & Exchange Rates
Bank Zachodni WBK
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Published On:
November, 22 2022
Edited On:
March, 20 2023

BZ WBK International Transfers & Exchange Rates

It is one of the largest financial groups and the largest bank with private capital in Poland. It offers modern financial solutions for individuals, micro, small and medium-sized enterprises as well as Polish and international corporations. The bank has one of the largest networks of branches and partner outlets, and provides services through electronic access channels, including mobile banking.

About BZ WBK

BZ WBK, also known as Santander Bank Polska SA, was founded in 2001 and the headquarters are in Warsaw, Poland. They offer traditional banking products for clients that want to send money internationally. There are 9,500 employees and the bank is part of the Santander Group.

BZ WBK Exchange Rates and Transfer Fees

Exchange Rates

You can view the exchange rates on this page. Keep in mind that this page is constantly updated so the rates change in real time. Pay attention to the spread column, which indicates the difference between the sale and buy price. It gives you an indication of the fees associated with currency conversions.

To save money on the exchange rate you can use a money transfer service. They usually provide better exchange rates than what traditional banks offer.

Transfer Fees

Take a look at this PDF file to view the full list of transfer fees that you have to pay as a customer of BZ WBK. You will see that most bank transfers require a fee. For example, the fee is 10PLN when you make a SEPA transfer with currency conversions. Also, you’ll need to pay a fee to reduce the transfer time.

Additional Costs

You can view the additional costs from the PDF file mentioned above. There are fees for the majority of services offered. For instance, there is a 100PLN monthly fee for managing your bank account. If you want to activate a direct debit service, then you must pay 150PLN. The fees can add up when you are using a variety of banking services at BZ WBK. However, 3rd party services charge fewer fees, so you can save money if transfers are the only function you need from a bank account.

How Do BZ WBK Transfer Fees Compare to Using a Money Transfer Provider?

The money transfer fees at BZ WBK are significantly higher than what you would have to pay when using a money transfer service. Customers that complete many transactions per year will save a lot of money by seeking out a suitable service.

BZ WBK Pros and Cons


Informative website that provides a clear overview of account types
Open an account and recommend to a friend to receive 350 PLN
Receive 12 months’ worth of free Cyber Rescue
Santander Group is established and trusted
Mobile app has a high rating on Google Play


Money transfers are expensive compared to 3rd party service
Transfer time take longer than money transfer services
Monthly payments for account maintenance

BZ WBK Swift Codes

Bz Wbk Aib Asset Management SaPolandPoznan
Dom Maklerski Bz Wbk SaPolandPoznan

How to Open an Account and Transfer Money With BZ WBK on the Website

  • Step 1: Visit this link and check out the accounts available.

  • Step 2: Click on the red “Create Account” button when you have chosen a suitable account to open.

  • Step 3: Choose from one of 4 verification methods, which include picture, video interview with adviser, money transfer from another account holder and courier. You’ll also need to have an ID card to complete the process.

  • Step 4: Once the account is created you can log in using the desktop or smartphone and begin sending money.

Transferring Money

You can transfer money using an IBAN number and recipient’s name for domestic transactions. International transactions require the use of a SWIFT code and the target bank’s address.

Can I Use BZ WBK for International Bank Transfers?

You can send and receive money internationally with a BZ WBK account. The SWIFT code system must be utilized, which allows money to be sent to correspondent banks.


Additional Information

  • No bank fees when withdrawing money from ATMs worldwide

  • Account available for young people with perks such as no monthly maintenance fee

  • Choose from several account types based on your specific needs

  • Branches all over Poland


BZ WBK is a good choice for the average customer that wants to send money. The sign up process is simple and there are multiple account types to choose from. Also, there are sign up bonuses if you meet the criteria.

However, the exchange rates and transfer fees can be expensive and add up over time. Consider using a money transfer service to save money. Options that are worth considering include Monito and Western Union.

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April Summers
April Summers
April is a trained journalist and the Content Editor for She has 10 years experience writing about a diverse range of subjects, from financial services to arts and entertainment. When she's not writing about global remittances she can be found daydreaming about her next holiday abroad.

Answers to key questions about BZ WBK

Can I open a BZ WBK account in any country?
Does BZ WBK have an app?
Are there transfer limits?
How long do transfers take with BZ WBK?
What customer support options are available?
Can I use a BZ WBK debit card when traveling abroad?
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