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

Remitly is the cheapest way to send money from Canada to Poland based on the 12 companies we analyzed, giving your recipient 2,804.4 PLN from CA$1,000.

Best companies for CAD/PLN transfers

12 of 12 providers

Last updated on 28 October 2026

Based on 1,000 CAD transfer

Best companies for CAD/PLN transfers

Sort Cheapest
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Wise

Pay via Bank Transfer
Fees: $7.30 1 CAD = 2.8154 PLN 0.00% vs mid-market Recipient gets zł 2,794.80 Within a week
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 depositWithin a weekAvailable via:Bank Transfer
$7.301 CAD = 2.8154 PLN
zł 2,794.80You pay$1,000.00
Ad

Remitly

Pay via Debit Card
Fees: $0.00 1 CAD = 2.8044 PLN +0.39% vs mid-market Recipient gets zł 2,804.40 Within minutes
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 CAD = 2.8044 PLN
zł 2,804.40You pay$1,000.00

Run a live search

Showing top Canada to Poland deals for 1,000 CAD. Do a live search with your exact amount for today's best rates.

Remitly

Pay via Debit Card
Fees: $0.00 1 CAD = 2.8044 PLN +0.39% vs mid-market Recipient gets zł 2,804.40 Within minutes
CheapestFastest
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 CAD = 2.8044 PLN
zł 2,804.40You pay$1,000.00

Remitly

Pay via Bank Transfer
Fees: $0.00 1 CAD = 2.8044 PLN +0.39% vs mid-market Recipient gets zł 2,804.40 Within a week
Receive to bank account or cash pickup

Ways to receive money in Poland with Remitly when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 CAD = 2.8044 PLN
zł 2,804.40You pay$1,000.00

Remitly

Pay via Interac
Fees: $0.00 1 CAD = 2.8044 PLN +0.39% vs mid-market Recipient gets zł 2,804.40 Within a week
Receive to bank account or cash pickup

Ways to receive money in Poland with Remitly when paying by interac.

MethodFee & ratesRecipient gets
Bank depositWithin a week
Free1 CAD = 2.8044 PLN
zł 2,804.40You pay$1,000.00

Remitly

Pay via Credit Card
Fees: $20.00 1 CAD = 2.8044 PLN +0.39% vs mid-market Recipient gets zł 2,804.40 Within minutes
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
$20.001 CAD = 2.8044 PLN
zł 2,804.40You pay$1,020.00

Paysend

Pay via Debit Card
Fees: $0.00 1 CAD = 2.8001 PLN +0.54% vs mid-market Recipient gets zł 2,800.07 6-12 Hours

Ways to receive money in Poland with Paysend when paying by debit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 CAD = 2.8001 PLN
zł 2,800.07You pay$1,000.00

Paysend

Pay via Credit Card
Fees: $0.00 1 CAD = 2.8001 PLN +0.54% vs mid-market Recipient gets zł 2,800.07 6-12 Hours

Ways to receive money in Poland with Paysend when paying by credit card.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 CAD = 2.8001 PLN
zł 2,800.07You pay$1,000.00

OFX

Pay via Bank Transfer
Fees: $0.00 1 CAD = 2.7970 PLN +0.65% vs mid-market Recipient gets zł 2,797.02 6-12 Hours
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 CAD = 2.7970 PLN
zł 2,797.02You pay$1,000.00

Currencies Direct

Pay via Bank Transfer
Fees: $0.00 1 CAD = 2.7969 PLN +0.66% vs mid-market Recipient gets zł 2,796.90 6-12 Hours
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 CAD = 2.7969 PLN
zł 2,796.90You pay$1,000.00

Wise

Pay via Bank Transfer
Fees: $7.30 1 CAD = 2.8154 PLN 0.00% vs mid-market Recipient gets zł 2,794.80 Within a week
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 depositWithin a weekAvailable via:Bank Transfer
$7.301 CAD = 2.8154 PLN
zł 2,794.80You pay$1,000.00

Remitbee

Pay via Interac
Fees: $0.00 1 CAD = 2.7869 PLN +1.01% vs mid-market Recipient gets zł 2,786.90 Next Day
0 reviews

Ways to receive money in Poland with Remitbee when paying by interac.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 CAD = 2.7869 PLN
zł 2,786.90You pay$1,000.00

Remitbee

Pay via Bill payment
Fees: $0.00 1 CAD = 2.7869 PLN +1.01% vs mid-market Recipient gets zł 2,786.90 Next Day
0 reviews

Ways to receive money in Poland with Remitbee when paying by bill payment.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 CAD = 2.7869 PLN
zł 2,786.90You pay$1,000.00

Remitbee

Pay via Bank Transfer
Fees: $0.00 1 CAD = 2.7869 PLN +1.01% vs mid-market Recipient gets zł 2,786.90 Next Day
0 reviews

Ways to receive money in Poland with Remitbee when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 CAD = 2.7869 PLN
zł 2,786.90You pay$1,000.00

Koho

Pay via Bank Transfer
Fees: $10.11 1 CAD = 2.8145 PLN +0.03% vs mid-market Recipient gets zł 2,786.04 Next day
Receive to bank account

Ways to receive money in Poland with Koho when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositNext dayAvailable via:Bank Transfer
$10.111 CAD = 2.8145 PLN
zł 2,786.04You pay$1,000.00

CurrencyFair

Pay via Bank Transfer
Fees: $3.55 1 CAD = 2.7936 PLN +0.77% vs mid-market Recipient gets zł 2,783.60 6-12 Hours
Receive to bank account

Ways to receive money in Poland with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
$3.551 CAD = 2.7936 PLN
zł 2,783.60You pay$1,000.00

Western Union

Pay via Debit Card
Fees: $0.00 1 CAD = 2.7831 PLN +1.15% vs mid-market Recipient gets zł 2,783.15 Next Day
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 CAD = 2.7831 PLN
zł 2,783.15You pay$1,000.00

Western Union

Pay via Bank Transfer
Fees: $0.00 1 CAD = 2.7831 PLN +1.15% vs mid-market Recipient gets zł 2,783.15 Next Day
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 CAD = 2.7831 PLN
zł 2,783.15You pay$1,000.00

Wise

Pay via Interac
Fees: $13.01 1 CAD = 2.8154 PLN 0.00% vs mid-market Recipient gets zł 2,778.72 Same day
Receive to bank accountDedicated support for large transfers

Ways to receive money in Poland with Wise when paying by interac.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
$13.011 CAD = 2.8154 PLN
zł 2,778.72You pay$1,000.00

Wise

Pay via Debit Card
Fees: $18.32 1 CAD = 2.8154 PLN 0.00% vs mid-market Recipient gets zł 2,763.77 Same day
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
$18.321 CAD = 2.8154 PLN
zł 2,763.77You pay$1,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit Card
Fees: $4.99 1 CAD = 2.7625 PLN +1.89% vs mid-market Recipient gets zł 2,762.50 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
$4.991 CAD = 2.7625 PLN
zł 2,762.50You pay$1,004.99
Cash pickup6-12 Hours
$5.991 CAD = 2.7625 PLN
zł 2,762.50You pay$1,005.99
$0 fee on first online transfers

MoneyGram

Pay via Credit Card
Fees: $4.99 1 CAD = 2.7625 PLN +1.89% vs mid-market Recipient gets zł 2,762.50 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
$4.991 CAD = 2.7625 PLN
zł 2,762.50You pay$1,004.99
Cash pickup6-12 Hours
$5.991 CAD = 2.7625 PLN
zł 2,762.50You pay$1,005.99
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fees: $4.99 1 CAD = 2.7625 PLN +1.89% vs mid-market Recipient gets zł 2,762.50 6-12 Hours

Ways to receive money in Poland with MoneyGram when paying by cash deposit.

MethodFee & ratesRecipient gets
Bank deposit6-12 HoursAvailable via:Most Banks
$4.991 CAD = 2.7625 PLN
zł 2,762.50You pay$1,004.99
Cash pickup6-12 Hours
$5.991 CAD = 2.7625 PLN
zł 2,762.50You pay$1,005.99

Remitbee

Pay via Debit Card
Fees: $8.99 1 CAD = 2.7869 PLN +1.01% vs mid-market Recipient gets zł 2,761.85 Next Day
0 reviews

Ways to receive money in Poland with Remitbee when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositNext Day
$8.991 CAD = 2.7869 PLN
zł 2,761.85You pay$1,000.00

Moneycorp

Pay via Bank Transfer
Fees: $0.00 1 CAD = 2.7590 PLN +2.00% vs mid-market Recipient gets zł 2,759.01 Next Day

Ways to receive money in Poland with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositNext Day
Free1 CAD = 2.7590 PLN
zł 2,759.01You pay$1,000.00

Wise

Pay via Credit Card
Fees: $33.06 1 CAD = 2.8154 PLN 0.00% vs mid-market Recipient gets zł 2,722.27 Same day
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
$33.061 CAD = 2.8154 PLN
zł 2,722.27You pay$1,000.00

TD Bank

Pay via Bank Transfer
Fees: $0.00 1 CAD = 2.6697 PLN +5.31% vs mid-market Recipient gets zł 2,669.75 6-12 Hours

Ways to receive money in Poland with TD Bank when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 CAD = 2.6697 PLN
zł 2,669.75You pay$1,000.00
How Our Results Work
Mid-market rate: 1 CAD = 2.8153 PLN Updates every 60 minutes.

How to send money from Canada to Poland

Pick a company

Start with the cheapest, which is Remitly at 2,804.4 PLN on CA$1,000.

Remitly was the cheapest on 16 of the 30 days it quoted CA$1,000 transfers to Poland.

More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.

Fund your transfer

You have 6 ways to pay, including bank transfer, debit card, credit card, interac, bill payment, and cash deposit.

Interac e-Transfer is how most companies take your money, moving it into their Canadian account so they can carry it over the border.

Verify and send

First time round you'll need a photo ID, and often where the money came from.

Your first transfer will be slower than the ones after it because of those checks, so send it a few days before it's needed.

Compare amounts

How much CAD are you sending to Poland?

How much CAD 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 Remitly was the cheapest in 52% of the transfers up to C$1,000 it quoted, and in 35% of all the transfers it quoted.

Cheapest service
$100-0.36%$0.00zł 282.82with debit card to bank deposit+zł 7.49
$500-0.34%$0.00zł 1,412.20with debit card to bank deposit+zł 23.26
$1,000This page0.39%$0.00zł 2,804.40with debit card to bank deposit+zł 26.56
$3,0000.01%$17.45zł 8,400.92with bank transfer to bank deposit+zł 68.50
$5,0000.00%$27.60zł 13,995.71with bank transfer to bank deposit+zł 101.21
$10,0000.25%$0.00zł 28,082.63with bank transfer to bank deposit+zł 210.20
$25,0000.25%$0.00zł 70,197.74with bank transfer to bank deposit+zł 492.26
$50,0000.20%$0.00zł 140,561.21with bank transfer to bank deposit+zł 1,080.73
$100,0000.20%$0.00zł 280,968.54with bank transfer to bank deposit+zł 2,037.40

Mid-market rate: 1 CAD = 2.8153 PLN

CAD/PLN Exchange Rate History

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

The cheapest way to send CAD 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 Remitly), across 30 days of comparisons for 1,000 CAD transfers to Poland.

PLN received for $1,000, after fees

Wed, Oct 28, 2026Mid-market ratezł 2,815.32 Remitly zł 2,804.40 TD Bank zł 2,669.75Remitlyzł 2,804.40Paysendzł 2,800.07OFXzł 2,797.02Extra cost of a bankzł 134.65

2,550
2,600
2,650
2,700
2,750
2,800
2,850
At the mid-market rateWith the cheapest optionWith a bankRemitlyPaysendOFX
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7134 – zł 2,713.37
Paysend Cheapest 2.7008 $0.00 zł 2,700.79 −zł 12.58
OFX 2.6957 $0.00 zł 2,695.73 −zł 17.64
Remitly 2.6794 $1.99 zł 2,679.40 −zł 33.97
TD Bank 2.5798 $0.00 zł 2,579.82 −zł 133.55
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7135 – zł 2,713.51
Paysend Cheapest 2.6999 $0.00 zł 2,699.89 −zł 13.62
OFX 2.6959 $0.00 zł 2,695.88 −zł 17.63
Remitly 2.6794 $1.99 zł 2,679.40 −zł 34.11
TD Bank 2.5798 $0.00 zł 2,579.82 −zł 133.69
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7048 – zł 2,704.80
Paysend Cheapest 2.6907 $0.00 zł 2,690.69 −zł 14.11
OFX 2.6872 $0.00 zł 2,687.22 −zł 17.58
Remitly 2.6711 $1.99 zł 2,671.10 −zł 33.70
TD Bank 2.5713 $0.00 zł 2,571.30 −zł 133.50
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7338 – zł 2,733.80
Paysend Cheapest 2.7211 $0.00 zł 2,721.14 −zł 12.66
OFX 2.7160 $0.00 zł 2,716.03 −zł 17.77
Remitly 2.6999 $1.99 zł 2,699.90 −zł 33.90
TD Bank 2.5713 $0.00 zł 2,571.30 −zł 162.50
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7341 – zł 2,734.15
Paysend Cheapest 2.7201 $0.00 zł 2,720.09 −zł 14.06
OFX 2.7164 $0.00 zł 2,716.38 −zł 17.77
Remitly 2.6977 $1.99 zł 2,697.70 −zł 36.45
TD Bank 2.5981 $0.00 zł 2,598.08 −zł 136.07
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7340 – zł 2,733.96
Paysend Cheapest 2.7201 $0.00 zł 2,720.09 −zł 13.86
OFX 2.7162 $0.00 zł 2,716.18 −zł 17.78
Remitly 2.6977 $1.99 zł 2,697.70 −zł 36.26
TD Bank 2.5981 $0.00 zł 2,598.08 −zł 135.88
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7433 – zł 2,743.27
Paysend Cheapest 2.7313 $0.00 zł 2,731.32 −zł 11.95
OFX 2.7254 $0.00 zł 2,725.44 −zł 17.83
Remitly 2.7098 $1.99 zł 2,709.80 −zł 33.47
TD Bank 2.6093 $0.00 zł 2,609.33 −zł 133.94
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7385 – zł 2,738.48
Paysend Cheapest 2.7236 $0.00 zł 2,723.56 −zł 14.92
OFX 2.7207 $0.00 zł 2,720.68 −zł 17.80
Remitly 2.7030 $1.99 zł 2,703.00 −zł 35.48
TD Bank 2.6010 $0.00 zł 2,600.99 −zł 137.49
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7409 – zł 2,740.86
Paysend Cheapest 2.7263 $0.00 zł 2,726.28 −zł 14.58
OFX 2.7230 $0.00 zł 2,723.05 −zł 17.81
Remitly 2.7037 $1.99 zł 2,703.70 −zł 37.16
TD Bank 2.6010 $0.00 zł 2,600.99 −zł 139.87
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7421 – zł 2,742.10
Paysend Cheapest 2.7285 $0.00 zł 2,728.52 −zł 13.57
OFX 2.7243 $0.00 zł 2,724.27 −zł 17.82
Remitly 2.7080 $1.99 zł 2,708.00 −zł 34.09
TD Bank 2.6051 $0.00 zł 2,605.09 −zł 137.00
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7424 – zł 2,742.40
Paysend Cheapest 2.7275 $0.00 zł 2,727.47 −zł 14.93
OFX 2.7246 $0.00 zł 2,724.58 −zł 17.82
Remitly 2.7067 $0.00 zł 2,706.70 −zł 35.70
TD Bank 2.6051 $0.00 zł 2,605.09 −zł 137.31
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7464 – zł 2,746.38
Paysend Cheapest 2.7295 $0.00 zł 2,729.50 −zł 16.88
OFX 2.7285 $0.00 zł 2,728.53 −zł 17.85
Remitly 2.7072 $0.00 zł 2,707.20 −zł 39.18
TD Bank 2.6036 $0.00 zł 2,603.56 −zł 142.82
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7464 – zł 2,746.38
Paysend Cheapest 2.7295 $0.00 zł 2,729.50 −zł 16.88
OFX 2.7285 $0.00 zł 2,728.53 −zł 17.85
Remitly 2.7146 $1.99 zł 2,714.60 −zł 31.78
TD Bank 2.6062 $0.00 zł 2,606.20 −zł 140.18
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7488 – zł 2,748.82
Paysend Cheapest 2.7346 $0.00 zł 2,734.62 −zł 14.20
OFX 2.7310 $0.00 zł 2,730.95 −zł 17.87
Remitly 2.7216 $1.99 zł 2,721.60 −zł 27.22
TD Bank 2.6113 $0.00 zł 2,611.28 −zł 137.54
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7507 – zł 2,750.73
Remitly Cheapest 2.7439 $1.99 zł 2,743.90 −zł 6.83
Paysend 2.7366 $0.00 zł 2,736.60 −zł 14.13
OFX 2.7329 $0.00 zł 2,732.85 −zł 17.88
TD Bank 2.6121 $0.00 zł 2,612.10 −zł 138.63
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7457 – zł 2,745.68
Remitly Cheapest 2.7390 $1.99 zł 2,739.00 −zł 6.68
Paysend 2.7313 $0.00 zł 2,731.27 −zł 14.41
OFX 2.7278 $0.00 zł 2,727.83 −zł 17.85
TD Bank 2.6071 $0.00 zł 2,607.05 −zł 138.63
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7402 – zł 2,740.17
Remitly Cheapest 2.7338 $1.99 zł 2,733.80 −zł 6.37
Paysend 2.7266 $0.00 zł 2,726.57 −zł 13.60
OFX 2.7224 $0.00 zł 2,722.36 −zł 17.81
TD Bank 2.6037 $0.00 zł 2,603.75 −zł 136.42
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7433 – zł 2,743.31
Remitly Cheapest 2.7361 $1.99 zł 2,736.10 −zł 7.21
Paysend 2.7304 $0.00 zł 2,730.45 −zł 12.86
OFX 2.7255 $0.00 zł 2,725.48 −zł 17.83
TD Bank 2.6037 $0.00 zł 2,603.75 −zł 139.56
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7464 – zł 2,746.42
Remitly Cheapest 2.7396 $1.99 zł 2,739.60 −zł 6.82
Paysend 2.7359 $0.00 zł 2,735.89 −zł 10.53
OFX 2.7286 $0.00 zł 2,728.57 −zł 17.85
TD Bank 2.6110 $0.00 zł 2,610.97 −zł 135.45
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7464 – zł 2,746.42
Remitly Cheapest 2.7386 $1.99 zł 2,738.60 −zł 7.82
Paysend 2.7359 $0.00 zł 2,735.89 −zł 10.53
OFX 2.7286 $0.00 zł 2,728.57 −zł 17.85
TD Bank 2.6110 $0.00 zł 2,610.97 −zł 135.45
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7595 – zł 2,759.53
Remitly Cheapest 2.7489 $1.99 zł 2,748.90 −zł 10.63
Paysend 2.7419 $0.00 zł 2,741.90 −zł 17.63
OFX 2.7416 $0.00 zł 2,741.60 −zł 17.93
TD Bank 2.6183 $0.00 zł 2,618.30 −zł 141.23
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7645 – zł 2,764.53
Remitly Cheapest 2.7543 $0.00 zł 2,754.30 −zł 10.23
Paysend 2.7518 $0.00 zł 2,751.85 −zł 12.68
OFX 2.7466 $0.00 zł 2,746.56 −zł 17.97
TD Bank 2.6283 $0.00 zł 2,628.31 −zł 136.22
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7690 – zł 2,768.96
Remitly Cheapest 2.7576 $1.99 zł 2,757.60 −zł 11.36
Paysend 2.7530 $0.00 zł 2,752.95 −zł 16.01
OFX 2.7510 $0.00 zł 2,750.96 −zł 18.00
TD Bank 2.6283 $0.00 zł 2,628.31 −zł 140.65
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7632 – zł 2,763.21
Remitly Cheapest 2.7533 $0.00 zł 2,753.30 −zł 9.91
Paysend 2.7480 $0.00 zł 2,747.98 −zł 15.23
OFX 2.7452 $0.00 zł 2,745.25 −zł 17.96
TD Bank 2.6249 $0.00 zł 2,624.92 −zł 138.29
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.7876 – zł 2,787.63
Remitly Cheapest 2.7767 $1.99 zł 2,776.70 −zł 10.93
Paysend 2.7733 $0.00 zł 2,773.30 −zł 14.33
OFX 2.7695 $0.00 zł 2,769.51 −zł 18.12
TD Bank 2.6459 $0.00 zł 2,645.89 −zł 141.74
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.8066 – zł 2,806.63
Remitly Cheapest 2.7934 $1.99 zł 2,793.40 −zł 13.23
Paysend 2.7920 $0.00 zł 2,791.96 −zł 14.67
OFX 2.7884 $0.00 zł 2,788.39 −zł 18.24
TD Bank 2.6459 $0.00 zł 2,645.89 −zł 160.74
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.8066 – zł 2,806.63
Remitly Cheapest 2.7934 $1.99 zł 2,793.40 −zł 13.23
Paysend 2.7920 $0.00 zł 2,791.96 −zł 14.67
OFX 2.7884 $0.00 zł 2,788.39 −zł 18.24
TD Bank 2.6617 $0.00 zł 2,661.70 −zł 144.93
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.8019 – zł 2,801.90
Remitly Cheapest 2.7919 $1.99 zł 2,791.90 −zł 10.00
Paysend 2.7884 $0.00 zł 2,788.37 −zł 13.53
OFX 2.7837 $0.00 zł 2,783.69 −zł 18.21
TD Bank 2.6617 $0.00 zł 2,661.70 −zł 140.20
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.8131 – zł 2,813.09
Remitly Cheapest 2.8029 $1.99 zł 2,802.90 −zł 10.19
Paysend 2.7989 $0.00 zł 2,798.87 −zł 14.22
OFX 2.7948 $0.00 zł 2,794.81 −zł 18.28
TD Bank 2.6699 $0.00 zł 2,669.88 −zł 143.21
Exchange rateFees:Recipient getsDifference
Mid-market rate 2.8153 – zł 2,815.32
Remitly Cheapest 2.8044 $0.00 zł 2,804.40 −zł 10.92
Paysend 2.8001 $0.00 zł 2,800.07 −zł 15.25
OFX 2.7970 $0.00 zł 2,797.02 −zł 18.30
TD Bank 2.6697 $0.00 zł 2,669.75 −zł 145.57

Exchange rateFees:Recipient getsDifference

Each line shows what the recipient gets when you send $1,000, after fees, as quoted by each company. The mid-market line shows what $1,000 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 CAD than the mid-market rate can offer.

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

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of PLN on every transfer from Canada.

Right now, Remitly pays 2,804.4 PLN on 1,000 CAD, which is 10.92 PLN less than the mid-market amount.

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

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Poland.

We've tracked 270 comparisons to check how often today's top companies were the cheapest across 9 amounts over the past month.

  1. RemitlyAppeared in 125 comparisons

    Cheapest in 35% of them

  2. PaysendAppeared in 91 comparisons

    Cheapest in 51% of them

  3. OFXAppeared in 237 comparisons

    Never the cheapest

  4. TD BankAppeared in 147 comparisons

    Never the cheapest

Based on 270 comparisons across 9 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Remitly is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from Canada to Poland

There are 12 companies sending money to Poland, but how you send depends on your needs.

Most common option

In-person transfers

Hand your cash over the counter and your recipient can collect it the same day without needing an app or bank account.

Bring CA$1,000 in cash to the closest Remitly location, and your recipient picks up 2,804.4 PLN within minutes.

Our data shows Remitly came out cheapest among in-person options on 73% of days in the past month.

Cash transfers cost more

Cash transfer to Poland is usually the most expensive option, compare your options above to get the best deal.

For transfers home

Money transfer apps

An app does the same job as the store for less, and you top it up with an Interac e-Transfer, the same way you'd send money to a friend.

Remitly charges CA$0 in fees and adds 0.39% markup, so your CA$1,000 delivers 2,804.4 PLN in within minutes.

Over the past month, Remitly was the cheapest app on 53% of the days it appeared for CA$1,000 transfers.

You don't need a SIN to sign up either, a passport works.

For one-off transfers

Online transfers

For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.

Of the 12 companies we compared, Remitly is the cheapest online service and currently gets you 2,804.4 PLN on a CA$1,000 transfer after a CA$0 fee and 0.39% markup.

In our comparisons over the past month, it was the cheapest online service on 16 of the 30 days it quoted.

Funding by bank transfer (EFT) is cheapest but takes 1-2 days to clear, and Interac e-Transfer or debit card is faster but pricier.

The most expensive way

Banks

A wire from your bank carries a $30 to $80 fee, plus another 1.5 to 3% inside the exchange rate that you won't see itemized anywhere.

On a CA$1,000 transfer, a bank like TD Bank delivers 2,669.75 PLN, against 2,804.4 PLN with Remitly.

We found TD Bank was the cheapest bank on 30 of the 30 days it appeared for this amount.

The wire can feel like the safer choice for a big amount, but bank deposit insurance and the safeguards used by money transfer companies are just as safe, just different protections.

For large transfers from Canada

Currency brokers

For property, tuition, moving from Canada, or an inheritance, a broker is the best and usually the cheapest option.

Brokers like OFX charge no fees but add 0.65% on CAD/PLN interbank rate.

The markup gets lower the more you send, with an account manager handling it end to end.

Our analysis shows OFX was the cheapest broker in 25% of all the transfers it quoted.

If you're sending large amounts, expect more questions about the transfers, so have statements and documents ready to avoid delays.

If you already have one

Challenger banks

Some neobanks in Canada include international transfers with no transfer fee as part of the account.

Koho sends your CA$1,000 for CA$10.11 in fees with 0.03% markup.

It's a good option for small occasional transfers, but I still suggest .

Our data shows Koho came out cheapest among challenger banks on 100% of days in the past month.

For businesses paying abroad

Global accounts

Global accounts handle the business side, paying suppliers, contractors and overseas invoices in PLN.

Companies like OFX, Airwallex, or WorldFirst are set up for the batch and recurring payments a personal app can't do.

For spending abroad and getting paid

Multi-currency accounts

If part of your life runs in PLN, be it spending it, saving it, or waiting for a better rate, a multi-currency account can hold it alongside your CAD.

Currencies Direct lets you hold CAD and PLN, and convert between them at low cost.

For example, converting $1,000 costs $0 in fees at 0.66% markup, which gets you 2,796.9 PLN.

Over the past month, it came out cheapest among multi-currency accounts on 87% of days.

Ways to fund CAD and receive PLN in Poland

With Remitly, paying by debit card and receiving through bank deposit is the cheapest combination. Sending CA$1,000 gives your recipient 2,804.4 PLN.

Our data shows that Remitly gets your recipient 134.65 PLN more than TD Bank, today's cheapest bank, on the same CA$1,000.

Deposit CAD using bank transfer, debit card, credit card, interac, bill payment, and cash deposit.

I suggest using Interac e-Transfer for simplicity

Follow the company's Interac instructions and check the business name before sending.

Do not send to an email address supplied outside the company's app or website.

The recipient can receive PLN through bank deposit and cash pickup.

For a bank deposit payout, you will need the recipient's bank details in Poland.

  1. 1
    debit card Bank deposit

    You pay CA$1,000.00

    zł2,804

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay CA$1,000.00

    zł2,804

    zł0

  3. 3
    Interac Bank deposit

    You pay CA$1,000.00

    zł2,804

    zł0

  4. 4
    credit card Bank deposit

    You pay CA$1,020.00

    zł2,804

    zł0

  5. 5
    Bill payment Bank deposit

    You pay CA$1,000.00

    zł2,787

    -zł18

Show moreShow less
  1. 6
    debit card Cash pickup

    You pay CA$1,005.99

    zł2,763

    -zł42

  2. 7
    credit card Cash pickup

    You pay CA$1,005.99

    zł2,763

    -zł42

  3. 8
    Cash deposit Bank deposit

    You pay CA$1,004.99

    zł2,763

    -zł42

  4. 9
    Cash deposit Cash pickup

    You pay CA$1,005.99

    zł2,763

    -zł42

Consider this when sending CAD to Poland

Interac can fund an international transfer, but it does not send money abroad by itself. You should also know what happens when a transfer reaches the FINTRAC reporting threshold.

Compare CAD/PLN transfer options

For a CA$1,000 transfer to Poland, these are the cheapest, fastest and easiest options available now.

Best way to send money to Poland

Remitly is the cheapest and easiest option, funded by debit card with bank deposit for the payout. Your recipient gets 2,804.4 PLN, which is 0.15% more than the next best option.

Fastest way to send money to Poland

Remitly is fastest when you pay by debit card and choose bank deposit for the payout. The transfer delivers 2,804.4 PLN in within minutes.

Interac only works inside Canada

An Interac e-Transfer cannot go directly to a recipient in Poland.

When a transfer company accepts Interac, you send CAD to its Canadian account and the company handles the international side over its own network.

C$10,000 reporting threshold

There is no C$10,000 legal cap on electronic transfers from Canada.

A reporting entity must report an international electronic funds transfer of C$10,000 or more to FINTRAC, including linked transfers that meet the 24-hour rule.

The bank or transfer company makes that report, you do not file it yourself.

But you may be asked for proof of where the money came from.

Sending your own cash or making a genuine cash gift does not create a Canadian gift tax simply because the money goes abroad.

Tax can become relevant when you transfer an appreciated asset rather than cash, or when attribution rules apply.

CDIC protection

Money held with a payment company is not covered by CDIC in the same way as an eligible bank deposit.

Payment companies covered by the Retail Payment Activities Act must safeguard end-user funds, but the Bank of Canada does not resolve individual fee or payment disputes.

If you’re unsure about the company, you can check the company in the FINTRAC MSB Registry.

If you live in Quebec, also confirm that it is allowed to provide money services there.

How we analyse the market

Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.

That covers 12 FINTRAC-registered companies sending CAD to Poland, updated in real time during a live search, compared on rates, fees and how your recipient can collect.

In the past 30 days alone, we analyzed 270 comparisons across 9 amounts.

This page covers the cheapest and fastest options for CAD/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.

Each goes through our review. 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.