How to send money to Poland from Canada with the best CAD-PLN rate

A comparison of providers offering services between Canada and Poland is the easiest way to ensure the best deal.

Here are your top options for sending money from Canada to Poland

• Wise is our recommended company for CAD to PLN transfers. For example, sending 10,039 CAD to PLN will cost you $53.17 in fees, and you will receive 27,064.99 PLN. The delivery time usually is within a week, but it depends on the day you make the transfer.

• Key Currency offers a combination of the lowest fees and best exchange rates - making it the cheapest transfer service for sending Canadian Dollar to Poland. It is 0.02% cheaper than the second-best option. The is cost is made up of CAD-PLN exchange rate that is 0.25% different to the mid-market rate and the a of 0 CAD.

• Fastest way to transfer money to Poland from Canada is with Regency FX. For sending $10,039 with Regency FX to Poland now, the transfer time is 6-12 hours.

We've compared 16 providers that offer services for sending Canadian Dollar to Poland.

This ensures you will get the best options for your transfer to Poland from Canada.

An exchange rate determines the price you will pay when buying Zloty. A better exchange rate means more money reaching the recipient in Poland.

The current rate between the Canadian Dollar and Zloty is 2.679. With the CAD-PLN exchange rate changing almost constantly, it pays to know the averages to get a better deal.

The total cost of sending money to Poland from Canada, is made-up of a combination of fees and exchange rates. Sending with a company that can offer a good deal on both ensures a good deal on your transfer.

• The Mid-Market and Exchange Rates: Currently, the mid-market for CAD-PLN is 2.679 PLN per Canadian Dollar.

• Fees: Transfer fees may have to be paid alongside the transfer, either as a set fee or a percentage of the transfer. Key Currency, cahrges 0 CAD per transfer, which is currently the cheapest option. Although you should search for your send amount for actual fees.

• Amount Received: Money transfer companies will show you the amount of Zloty eventually received in Poland.

A better option is to use a forward contract can also allows you to lock in an agreed exchange rate between Canada and Poland.

Paying via bank transfer is the payment method that will get you the best price with a money transfer company. When sending money from Canada to Poland.

Here are all the ways to send money from Canada to Poland:

Bank transfers

A bank transfer is often the default option for money transfers from Canada to Poland.

By using a money transfer company such as Key Currency to send money from Canada to Poland, you can while benefit from lower fees and more favorable exchange rates than a bank would offer. 


Debit and prepaid cards

Sending money from Canada to Poland with a prepaid or debit card is very easy with Xe.


Xe is a great choice for sending money with a debit card from Canada to Poland. This is from the 16 money transfer companies compared.

Credit cards

When it comes to credit card money transfers from Canada to Poland there aren't that many options, mainly because it's more expensive.

If you have to, we recommend running a quick comparison to get the best deal on PLN

Companies offering money transfers between Canada and Poland have minimum or maximum thresholds on how much money you can send.

Rates and fees for different transfer amounts could change if you pass a threshold - that’s why it’s best to compare CAD-PLN rates for your specific transfer amount.

For regular transfers from Canada to Poland, shopping around each time can make a huge difference.

We’ve recommended Wise for sending CAD to Poland, because of their combination of rates and fees when sending from Canada to Poland that is the most competitive, even at larger amounts.

Check with the recipient and understand any declarations needed on large amounts of money entering Poland from Canada.

There are different ways to receive Zloty in Poland. The most popular options are direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.

All providers work differently and not all offering transfers from Canada to Poland support every method for receiving Zloty so it’s best to check ahead of time.

Sending directly to a bank account in Poland is one of the most common ways to receive money from Canada. For most part, this is convenient but does have receiving fees to potentially be aware of.

Wise is the best company for bank transfers between Canada and Poland.

Cash pickup is popular in Poland, but not always supported and can be costly compared to cheaper options.

Mobile wallet or P2P services and payment apps like PayPal, Zelle, and CashApp are popular because of convenience. They come with more limitations and higher costs compared to money transfer providers like Regency FX, and are recommended for domestic payments only.

When sending Zloty to Poland, you will need to verify your ID with your chosen money transfer company.

The documents you need will vary and in some cases you might need more than one.

For the most part, accepted IDs in Canada include government issued IDs such as passports or driver's licenses. If the recipient needs an ID to collect money in Poland, the options are similar.

Large transactions between Canada and Poland can be subject to additional checks such as proof of funds for anti-money laundering purposes. These won’t be needing when signing up, but will be need ahead of any transfer.

One of the reasons Wise has scored so highly for transfers to Poland is their easy sign up process in Canada.

When sending money between Canada and Poland there will be tax declarations to consider.

Some transfers into Zloty may need to be reported to tax authorities in Poland and Canada, depending on size and particularly where inheritance or property purchases are involved.

Tax limits and personal allowances will change in Poland based on age, income and a few other elements - such as whether the funds are a gift. Tax law can be confusing, when in doubt, please contact a tax professional in Canada or Poland to discuss your personal circumstances to ensure you are not missing any specific tax declarations associated with your international money transfer.