Best companies for AUD/PLN transfers
11 of 11 providers Last updated on 28 October 2026
Based on 2,000 AUD transfer Best companies for AUD/PLN transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $8.60 1 AUD = 2.7864 PLN 0.00% vs mid-market	Recipient gets zł 5,548.76 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $8.601 AUD = 2.7864 PLN zł 5,548.76You pay$2,000.00
Ad Xe Pay via Debit Card	Fees: $0.00 1 AUD = 2.7229 PLN +2.30% vs mid-market	Recipient gets zł 5,445.86 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Poland with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 2.7229 PLN zł 5,445.86You pay$2,000.00
Run a live search Showing top Australia to Poland deals for 2,000 AUD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live AUD to PLN rates.
Run a live search These companies offer multi-currency accounts for spending PLN. We suggest doing a live search based on how much AUD you're planning to spend in Poland.
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal.
Pricing based on Revolut Standard plan Revolut Pay via Bank Transfer	Fees: $3.00 1 AUD = 2.7822 PLN +0.14% vs mid-market	Recipient gets zł 5,555.95 Within minutes
10 reviews CheapestFastest Receive to bank account
Ways to receive money in Poland with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $3.001 AUD = 2.7822 PLN zł 5,555.95You pay$2,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
Wise Pay via Bank Transfer	Fees: $8.60 1 AUD = 2.7864 PLN 0.00% vs mid-market	Recipient gets zł 5,548.76 Same day
25 reviews Recommended Receive to bank accountDedicated support for large transfers
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $8.601 AUD = 2.7864 PLN zł 5,548.76You pay$2,000.00

Wise Pay via Osko	Fees: $8.60 1 AUD = 2.7864 PLN 0.00% vs mid-market	Recipient gets zł 5,548.76 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Poland with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $8.601 AUD = 2.7864 PLN zł 5,548.76You pay$2,000.00
Currencies Direct Pay via Bank Transfer	Fees: $0.00 1 AUD = 2.7705 PLN +0.57% vs mid-market	Recipient gets zł 5,541.00 6-12 Hours
3 reviews Receive to bank account
Ways to receive money in Poland with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 2.7705 PLN zł 5,541.00You pay$2,000.00
Remitly Pay via PayTo	Fees: $0.00 1 AUD = 2.7691 PLN +0.62% vs mid-market	Recipient gets zł 5,538.20 Within a week
15 reviews Receive to bank account or cash pickup
Ways to receive money in Poland with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 AUD = 2.7691 PLN zł 5,538.20You pay$2,000.00
OFX Pay via Bank Transfer	Fees: $0.00 1 AUD = 2.7681 PLN +0.65% vs mid-market	Recipient gets zł 5,536.24 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in Poland with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 2.7681 PLN zł 5,536.24You pay$2,000.00
Wise Pay via Debit Card	Fees: $14.14 1 AUD = 2.7864 PLN 0.00% vs mid-market	Recipient gets zł 5,533.32 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Poland with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $14.141 AUD = 2.7864 PLN zł 5,533.32You pay$2,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 2.7580 PLN +1.02% vs mid-market	Recipient gets zł 5,516.00 Within minutes
15 reviews Receive to bank account or cash pickup
Ways to receive money in Poland with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 2.7580 PLN zł 5,516.00You pay$2,000.00

Remitly Pay via Credit Card	Fees: $0.00 1 AUD = 2.7580 PLN +1.02% vs mid-market	Recipient gets zł 5,516.00 Within minutes
15 reviews Receive to bank account or cash pickup
Ways to receive money in Poland with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 2.7580 PLN zł 5,516.00You pay$2,000.00
Wise Pay via Credit Card	Fees: $27.67 1 AUD = 2.7864 PLN 0.00% vs mid-market	Recipient gets zł 5,495.62 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Poland with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $27.671 AUD = 2.7864 PLN zł 5,495.62You pay$2,000.00
OrbitRemit Pay via Bank Transfer	Fees: $0.00 1 AUD = 2.7438 PLN +1.53% vs mid-market	Recipient gets zł 5,487.64 2 Days
0 reviews
Ways to receive money in Poland with OrbitRemit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 2.7438 PLN zł 5,487.64You pay$2,000.00
Moneycorp Pay via Bank Transfer	Fees: $0.00 1 AUD = 2.7361 PLN +1.80% vs mid-market	Recipient gets zł 5,472.16 Next Day
0 reviews
Ways to receive money in Poland with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 2.7361 PLN zł 5,472.16You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $2.99 1 AUD = 2.7239 PLN +2.26% vs mid-market	Recipient gets zł 5,447.80 6-12 Hours
2 reviews
Ways to receive money in Poland with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:Most Banks $2.991 AUD = 2.7239 PLN zł 5,447.80You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 2.7239 PLN zł 5,447.80You pay$2,003.99

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $2.99 1 AUD = 2.7239 PLN +2.26% vs mid-market	Recipient gets zł 5,447.80 6-12 Hours
2 reviews
Ways to receive money in Poland with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:Most Banks $2.991 AUD = 2.7239 PLN zł 5,447.80You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 2.7239 PLN zł 5,447.80You pay$2,003.99
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $2.99 1 AUD = 2.7239 PLN +2.26% vs mid-market	Recipient gets zł 5,447.80 6-12 Hours
2 reviews
Ways to receive money in Poland with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:Most Banks $2.991 AUD = 2.7239 PLN zł 5,447.80You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 2.7239 PLN zł 5,447.80You pay$2,003.99
Xe Pay via Debit Card	Fees: $0.00 1 AUD = 2.7229 PLN +2.30% vs mid-market	Recipient gets zł 5,445.86 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Poland with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 2.7229 PLN zł 5,445.86You pay$2,000.00

Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 2.7229 PLN +2.30% vs mid-market	Recipient gets zł 5,445.86 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Poland with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 2.7229 PLN zł 5,445.86You pay$2,000.00
Xe Pay via Credit Card	Fees: $0.00 1 AUD = 2.7229 PLN +2.30% vs mid-market	Recipient gets zł 5,445.86 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Poland with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 2.7229 PLN zł 5,445.86You pay$2,000.00
Western Union Pay via Debit Card	Fees: $0.00 1 AUD = 2.7136 PLN +2.64% vs mid-market	Recipient gets zł 5,427.12 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Poland with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 2.7136 PLN zł 5,427.12You pay$2,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 AUD = 2.7136 PLN +2.64% vs mid-market	Recipient gets zł 5,427.12 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Poland with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 2.7136 PLN zł 5,427.12You pay$2,000.00
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 2.7099 PLN +2.78% vs mid-market	Recipient gets zł 5,419.75 3-5 Days
0 reviews
Ways to receive money in Poland with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 2.7099 PLN zł 5,419.75You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 2.7862 PLN Updates every 60 minutes.

Why compare

AUD/PLN exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to Poland

Pick a company

Start with the cheapest, which is Revolut at 5,555.95 PLN on A$2,000.

Revolut was the cheapest on 19 of the 27 days it quoted A$2,000 transfers to Poland.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 6 ways to pay, including bank transfer, debit card, credit card, osko, payto, and poli.

PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.

Watch your bank's daily limit on anything large.

Verify and send

First time round you'll need a photo ID, usually a licence or a passport.

A passport and visa are enough if you’re new (you don’t need an Australian credit history).

Compare amounts

How much AUD are you sending to Poland?

How much AUD you send to Poland heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Revolut was the cheapest in 71% of the transfers up to A$2,000 it quoted, and in 21% of all the transfers it quoted.


$1,000	0.26%	$1.50	zł 2,773.24with bank transfer to bank deposit	+zł 31.23
$1,500	0.19%	$2.25	zł 4,162.84with bank transfer to bank deposit	+zł 48.38
$2,000This page	0.14%	$3.00	zł 5,555.95with bank transfer to bank deposit	+zł 68.11
$3,000	0.01%	$12.29	zł 8,318.92with bank transfer to bank deposit	+zł 89.77
$7,500	0.30%	$0.00	zł 20,831.78with bank transfer to bank deposit	+zł 222.06
$12,000	0.25%	$0.00	zł 33,345.63with bank transfer to bank deposit	+zł 319.23
$15,000	0.25%	$0.00	zł 41,668.45with bank transfer to bank deposit	+zł 392.13
$50,000	0.20%	$0.00	zł 138,951.69with bank transfer to bank deposit	+zł 963.25
$100,000	0.20%	$0.00	zł 278,035.71with bank transfer to bank deposit	+zł 2,857.76
$250,000	0.15%	$0.00	zł 695,437.53with bank transfer to bank deposit	+zł 7,179.20
$500,000	0.15%	$0.00	zł 1,390,302.41with bank transfer to bank deposit	+zł 10,589.26

Mid-market rate: 1 AUD = 2.7862 PLN

AUD/PLN Exchange Rate History

Is today a good time to send money from Australia to Poland?

The cheapest way to send AUD to PLN can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Revolut), across 30 days of comparisons for 2,000 AUD transfers to Poland.

Each line shows what the recipient gets when you send $2,000, after fees, as quoted by each company. The mid-market line shows what $2,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more PLN per AUD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 4 of the last 30 days.

Right now, Revolut pays 5,555.95 PLN on 2,000 AUD, which is 16.51 PLN less than the mid-market amount.

Today's payout is the highest in the past month.

Ways to send money from Australia to Poland

11 money transfer companies let you send money from Australia to Poland.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to Poland.

For example, sending A$2,000 with Wise will get you 5,548.76 PLN after a A$8.6 fee and -0.01% markup.

In our comparisons over the past month, it was the cheapest online service on 28 of the 28 days it quoted.

To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.

Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.

For regular transfers home

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Revolut takes A$3 in fees and 0.14% markup on a A$2,000 transfer, and your PLN arrives in within minutes.

Over the past month, Revolut was the cheapest app on 70% of the days it appeared for A$2,000 transfers.

Signing up is quick even if you're new to Australia.

A passport and visa are enough for most money transfer apps, and no local credit history is needed.

For large AUD transfers

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

On transfers of $10,000 or more, a broker like Currencies Direct drops the fee entirely and works on margin instead.

With Currencies Direct you get 0.57% on AUD/PLN, and it gets lower the more you send.

You also get an account manager for the whole thing.

Our analysis shows Currencies Direct was the cheapest broker in 40% of all the transfers it quoted.

For overseas business payments

Business accounts

Global accounts like Airwallex are great for paying suppliers, contractors or staff in PLN, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

Multi-currency accounts let you hold AUD and PLN in one account, and convert when the rate suits you.

Revolut converts A$2,000 at 0.14% markup, and the PLN sits in your account until you spend or transfer it.

Over the past month, it came out cheapest among multi-currency accounts on 70% of days.

Most useful if you travel often to Poland, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Compare first

Banks

The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.

However, the cost is moved into the exchange rate instead.

On a A$2,000 transfer, a bank like NAB adds 2.78% markup and delivers 5,419.75 PLN, against 5,555.95 PLN via Revolut (the cheapest option).

We found NAB was the cheapest bank on 27 of the 27 days it appeared for this amount.

Ways to fund AUD and receive money in Poland

With Revolut, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 5,555.95 PLN.

Our data shows that Revolut gets your recipient 136.2 PLN more than NAB, today's cheapest bank, on the same A$2,000.

You can fund the transfer with bank transfer, debit card, credit card, osko, payto, and poli.

Recipients in Poland can collect PLN through bank deposit and cash pickup.

They can collect cash via Remitly

For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in Poland.

1

Bank transfer Bank deposit

You pay A$2,000.00

zł5,556

Cheapest
2

Osko Bank deposit

You pay A$2,000.00

zł5,549

-zł7
3

Payto Bank deposit

You pay A$2,000.00

zł5,538

-zł18
4

Debit card Bank deposit

You pay A$2,000.00

zł5,533

-zł23
5

Credit card Bank deposit

You pay A$2,000.00

zł5,516

-zł40

Show moreShow less

6

Debit card Cash pickup

You pay A$2,003.99

zł5,448

-zł108
7

Credit card Cash pickup

You pay A$2,003.99

zł5,448

-zł108
8

Poli Bank deposit

You pay A$2,002.99

zł5,448

-zł108
9

Poli Cash pickup

You pay A$2,003.99

zł5,448

-zł108

Consider this before sending AUD to Poland

Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.

Compare AUD/PLN transfer options

For a A$2,000 transfer to Poland, these are the best options right now:

Cheapest

Revolut is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 5,555.95 PLN, which is 0.13% more than the next best option.

Fastest

Revolut delivers 5,555.95 PLN in within minutes when you use bank transfer and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

PayID and Osko move Australian dollars between local accounts.

When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in Poland.

Confirm the registered business name shown by your bank before approving the PayID payment.

AUSTRAC reporting

The bank or remittance company reports international transfer instructions to AUSTRAC.

This applies to international transfers generally, rather than only those above A$10,000.

You do not normally submit the international transfer report yourself.

A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.

Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.

Cash gifts can affect Centrelink payments

Australia does not generally tax a genuine cash gift simply because you send it to family in Poland.

Gifting money can still affect income-tested or asset-tested Centrelink payments.

Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.

If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.

Bank protection in Australia

The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.

It does not automatically cover money held by a non-bank transfer company.

In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.

How we analyse the market

We track 11 companies sending AUD to Poland, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 316 comparisons across 11 amounts.

This page covers the cheapest and fastest options for AUD/PLN transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.

More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Australia

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Tue, 29 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	2.6875	–	zł 5,375.09
Revolut Cheapest	2.6824	$3.00	zł 5,356.70	−zł 18.39
Wise	2.6879	$8.60	zł 5,352.60	−zł 22.49
Currencies Direct	2.6711	$0.00	zł 5,342.20	−zł 32.89
NAB	2.6037	$0.00	zł 5,207.44	−zł 167.65

Wed, 30 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	2.6846	–	zł 5,369.17
Revolut Cheapest	2.6795	$3.00	zł 5,350.91	−zł 18.26
Wise	2.6842	$8.60	zł 5,345.30	−zł 23.87
Currencies Direct	2.6685	$0.00	zł 5,337.00	−zł 32.17
NAB	2.6093	$0.00	zł 5,218.69	−zł 150.48

Thu, 1 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	2.6802	–	zł 5,360.30
Revolut Cheapest	2.6755	$3.00	zł 5,343.05	−zł 17.25
Wise	2.6802	$8.60	zł 5,337.43	−zł 22.87
Currencies Direct	2.6646	$0.00	zł 5,329.20	−zł 31.10
NAB	2.6093	$0.00	zł 5,218.69	−zł 141.61

Fri, 2 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	2.6962	–	zł 5,392.46
Revolut Cheapest	2.6907	$3.00	zł 5,373.42	−zł 19.04
Wise	2.6963	$8.60	zł 5,369.31	−zł 23.15
Currencies Direct	2.6797	$0.00	zł 5,359.40	−zł 33.06
NAB	2.6206	$0.00	zł 5,241.17	−zł 151.29

Sat, 3 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	2.6994	–	zł 5,398.73
Wise Cheapest	2.7114	$8.60	zł 5,399.56	+zł 0.83
Currencies Direct	2.6909	$0.00	zł 5,381.80	−zł 16.93
Revolut	2.7038	$23.00	zł 5,345.49	−zł 53.24
NAB	2.6081	$0.00	zł 5,216.16	−zł 182.57

How to send money to Poland from Australia with the best AUD-PLN rate

Best companies for AUD/PLN transfers