Of the 7 companies we analysed, Wise is the cheapest app overall for sending $2,000 to Poland.
On a 2,000 AUD transfer it will get your recipient 5,332.77 PLN.
| 7 of 7 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze AUD/PLN exchange rates from our comparisons. | |||
| Based on 2,000 AUD transfer Best companies for AUD/PLN transfersAll money transfer offers for AUD/PLN transfers, sorted by most PLN received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Ad  Wise Pay via Bank Transfer | Fees: $8.60 1 AUD = 2.6779 PLN -0.02% vs mid-market | Recipient gets zł 5,332.77 Within a week | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $8.601 AUD = 2.6779 PLN zł 5,332.77You pay$2,000.00 | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $2.99 1 AUD = 2.6292 PLN +1.82% vs mid-market | Recipient gets zł 5,258.40 6-12 Hours | |
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 = 2.6292 PLN zł 5,258.40You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 2.6292 PLN zł 5,258.40You pay$2,003.99 | |||
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. | |||
| Wise Pay via Bank Transfer | Fees: $8.60 1 AUD = 2.6779 PLN -0.02% vs mid-market | Recipient gets zł 5,332.77 Within a week | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $8.601 AUD = 2.6779 PLN zł 5,332.77You pay$2,000.00 | |||
| Wise Pay via Osko | Fees: $8.60 1 AUD = 2.6779 PLN -0.02% vs mid-market | Recipient gets zł 5,332.77 Within a week | |
Ways to receive money in Poland with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $8.601 AUD = 2.6779 PLN zł 5,332.77You pay$2,000.00 | |||
 OFX Pay via Bank Transfer | Fees: $0.00 1 AUD = 2.6600 PLN +0.65% vs mid-market | Recipient gets zł 5,319.94 6-12 Hours | |
Ways to receive money in Poland with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 2.6600 PLN zł 5,319.94You pay$2,000.00 | |||
| Wise Pay via Debit Card | Fees: $14.14 1 AUD = 2.6779 PLN -0.02% vs mid-market | Recipient gets zł 5,317.93 Within a week | |
Ways to receive money in Poland with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $14.141 AUD = 2.6779 PLN zł 5,317.93You pay$2,000.00 | |||
| Wise Pay via Credit Card | Fees: $27.67 1 AUD = 2.6779 PLN -0.02% vs mid-market | Recipient gets zł 5,281.70 Within a week | |
Ways to receive money in Poland with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $27.671 AUD = 2.6779 PLN zł 5,281.70You pay$2,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $2.99 1 AUD = 2.6292 PLN +1.82% vs mid-market | Recipient gets zł 5,258.40 6-12 Hours | |
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 = 2.6292 PLN zł 5,258.40You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 2.6292 PLN zł 5,258.40You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via POLi | Fees: $2.99 1 AUD = 2.6292 PLN +1.82% vs mid-market | Recipient gets zł 5,258.40 6-12 Hours | |
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 = 2.6292 PLN zł 5,258.40You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 2.6292 PLN zł 5,258.40You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $32.99 1 AUD = 2.6292 PLN +1.82% vs mid-market | Recipient gets zł 5,258.40 6-12 Hours | |
Ways to receive money in Poland with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:Most Banks $32.991 AUD = 2.6292 PLN zł 5,258.40You pay$2,032.99 Cash pickup6-12 Hours $32.991 AUD = 2.6292 PLN zł 5,258.40You pay$2,032.99 | |||
 Moneycorp Pay via Bank Transfer | Fees: $0.00 1 AUD = 2.6292 PLN +1.80% vs mid-market | Recipient gets zł 5,258.36 Next Day | |
Ways to receive money in Poland with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 2.6292 PLN zł 5,258.36You pay$2,000.00 | |||
 Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 2.6280 PLN +1.86% vs mid-market | Recipient gets zł 5,255.92 6-12 Hours | |
Ways to receive money in Poland with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 2.6280 PLN zł 5,255.92You pay$2,000.00 | |||
| Xe Pay via Debit Card | Fees: $6.00 1 AUD = 2.6280 PLN +1.86% vs mid-market | Recipient gets zł 5,240.15 6-12 Hours | |
Ways to receive money in Poland with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $6.001 AUD = 2.6280 PLN zł 5,240.15You pay$2,000.00 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 AUD = 2.6127 PLN +2.44% vs mid-market | Recipient gets zł 5,225.32 Next Day | |
Ways to receive money in Poland with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 2.6127 PLN zł 5,225.32You pay$2,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 AUD = 2.6127 PLN +2.44% vs mid-market | Recipient gets zł 5,225.32 Next Day | |
Ways to receive money in Poland with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 2.6127 PLN zł 5,225.32You pay$2,000.00 | |||
| Xe Pay via Credit Card | Fees: $15.00 1 AUD = 2.6280 PLN +1.86% vs mid-market | Recipient gets zł 5,216.50 6-12 Hours | |
Ways to receive money in Poland with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $15.001 AUD = 2.6280 PLN zł 5,216.50You pay$2,000.00 | |||
 NAB Pay via Bank Transfer | Fees: $0.00 1 AUD = 2.6020 PLN +2.86% vs mid-market | Recipient gets zł 5,203.96 3-5 Days | |
Ways to receive money in Poland with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 2.6020 PLN zł 5,203.96You pay$2,000.00 | |||
| How Our Results Work Mid-market rate: 1 AUD = 2.677371 PLN Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Wise at 5,332.77 PLN on $2,000.
Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.
You have 5 ways to pay, including bank transfer, debit card, credit card, osko, 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.
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).
7 money transfer companies let you send money from Australia to Poland.
Cheapest for most transfers
Sending money online with a “self-service” provider is usually the cheapest way to send money to Poland.
For example, sending $500 with Wise will get you 5,332.77 PLN after a $8.6 fee and -0.02% markup.
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
An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.
Wise takes $8.6 in fees and -0.02% markup on a $8.6 transfer, and your PLN arrives in within a week.
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
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 OFX drops the fee entirely and works on margin instead.
With OFX you get 0.65% on AUD/PLN, and it gets lower the more you send.
You also get an account manager for the whole thing.
For overseas business payments
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 let you hold AUD and PLN in one account, and convert when the rate suits you.
Wise converts $2,000 at -0.02% markup, and the PLN sits in your account until you spend or transfer it.
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
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 $2,000 transfer, a bank like NAB adds 2.86% markup and delivers 5,203.96 PLN, against 5,332.77 PLN via Wise (the cheapest option).
With Wise, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending $2,000 gives your recipient 5,332.77 PLN.
You can fund the transfer with bank transfer, debit card, credit card, osko, and poli.
Recipients in the Poland can collect PLN through bank deposit and cash pickup.
They can collect cash via MoneyGram
For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in the Poland.
You pay $2,000.00
zł5,333
Cheapest
You pay $2,000.00
zł5,333
zł0
You pay $2,000.00
zł5,318
-zł15
You pay $2,000.00
zł5,282
-zł51
You pay $2,003.99
zł5,258
-zł74
You pay $2,032.99
zł5,258
-zł74
You pay $2,002.99
zł5,258
-zł74
You pay $2,003.99
zł5,258
-zł74
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.
For an $2,000 transfer to Poland, these are the best options right now:
Cheapest
Wise is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 5,332.77 PLN, which is 0.24% more than the next best option.
Fastest
OFX delivers 5,319.94 PLN in 6-12 hours 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 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.
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.
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.
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.
Small changes in the AUD/PLN rate can make a noticeable difference to the amount received, especially on a larger transfer.
Mid-market rate:1 AUD = 2.674791 PLN
We track 7 companies sending AUD to Poland, all holding an Australian licence, with rates refreshed in real time when running a live search.
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.
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