How to send money to Poland from Switzerland with the best CHF-PLN rate

The cheapest option overall is Key Currency, giving your recipient 28’530.35 PLN when you send CHF 6’000.

Below we’ve compared 10 ways to send money from Switzerland to Poland.

Best companies for CHF/PLN transfers

10 of 10 providers

Last updated on 10 November 2026

Based on 6,000 CHF transfer

Best companies for CHF/PLN transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee CHF 18.85 1 CHF = 4.7682 PLN -0.02% vs mid-market Recipient gets zł 28'519.02 Next day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositNext dayAvailable via:Bank Transfer
CHF 18.851 CHF = 4.7682 PLN
zł 28'519.02You payCHF 6'000.00
Promoted

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 4.7358 PLN +0.66% vs mid-market Recipient gets zł 28'414.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 4.7358 PLN
zł 28'414.80You payCHF 6'000.00

Run a live search

Showing top Switzerland to Poland deals for 6,000 CHF. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 4.7551 PLN +0.25% vs mid-market Recipient gets zł 28'530.35 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 CHF = 4.7551 PLN
zł 28'530.35You payCHF 6'000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 4.7541 PLN +0.27% vs mid-market Recipient gets zł 28'524.63 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 4.7541 PLN
zł 28'524.63You payCHF 6'000.00

Wise

Pay via Bank transfer
Fee CHF 18.85 1 CHF = 4.7682 PLN -0.02% vs mid-market Recipient gets zł 28'519.02 Next day
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositNext dayAvailable via:Bank Transfer
CHF 18.851 CHF = 4.7682 PLN
zł 28'519.02You payCHF 6'000.00

TorFx

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 4.7527 PLN +0.30% vs mid-market Recipient gets zł 28'516.05 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 4.7527 PLN
zł 28'516.05You payCHF 6'000.00

OFX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 4.7431 PLN +0.50% vs mid-market Recipient gets zł 28'458.85 Minutes - 24 hours
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 4.7431 PLN
zł 28'458.85You payCHF 6'000.00

Currencies Direct

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 4.7384 PLN +0.60% vs mid-market Recipient gets zł 28'430.40 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 4.7384 PLN
zł 28'430.40You payCHF 6'000.00

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 4.7358 PLN +0.66% vs mid-market Recipient gets zł 28'414.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 4.7358 PLN
zł 28'414.80You payCHF 6'000.00

CurrencyFair

Pay via Bank transfer
Fee CHF 2.10 1 CHF = 4.7310 PLN +0.76% vs mid-market Recipient gets zł 28'376.00 Minutes - 24 hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 2.101 CHF = 4.7310 PLN
zł 28'376.00You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee CHF 56.50 1 CHF = 4.7611 PLN +0.12% vs mid-market Recipient gets zł 28'297.56 Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 56.501 CHF = 4.7611 PLN
zł 28'297.56You payCHF 6'000.00

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.

Xe

Pay via Debit card
Fee CHF 36.00 1 CHF = 4.7358 PLN +0.66% vs mid-market Recipient gets zł 28'244.31 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 4.7358 PLN
zł 28'244.31You payCHF 6'000.00

Xe

Pay via Credit card
Fee CHF 36.00 1 CHF = 4.7358 PLN +0.66% vs mid-market Recipient gets zł 28'244.31 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
CHF 36.001 CHF = 4.7358 PLN
zł 28'244.31You payCHF 6'000.00

Moneycorp

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 4.7002 PLN +1.40% vs mid-market Recipient gets zł 28'201.43 Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 CHF = 4.7002 PLN
zł 28'201.43You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee CHF 89.50 1 CHF = 4.7611 PLN +0.12% vs mid-market Recipient gets zł 28'140.44 Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 89.501 CHF = 4.7611 PLN
zł 28'140.44You payCHF 6'000.00

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.

How Our Results Work
Mid-market rate: 1 CHF = 4.7670 PLN Updates every 60 minutes.

How to send money from Switzerland to Poland

Pick a company

Start with the cheapest, which is Key Currency at 28’530.35 PLN for a CHF 6’000 transfer.

Key Currency was the cheapest on 26 of the 28 days it quoted fr.6’000 transfers to Poland.

Sending the same money as an international transfer from your Swiss bank usually adds a margin to the rate on top of any fee.

Fund your transfer

You have 3 ways to pay, including bank transfer, debit card, and credit card.

TWINT won't do this, it's for paying people and shops inside Switzerland.

Verify and send

First time round you'll need a photo ID and your Swiss address.

The company may pause a first large transfer, it just means you need to submit more details to confirm it's really you.

Compare amounts

How much CHF are you sending to Poland?

How much CHF 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 Key Currency was the cheapest in 93% of the transfers from CHF 6,000 it quoted, and in 93% of all the transfers it quoted.

Cheapest service
CHF 1'0000.12%CHF 1.50zł 4'754.44with bank transfer to bank deposit+zł 63.20
CHF 5'0000.27%CHF 0.00zł 23'776.39with bank transfer to bank deposit+zł 202.37
CHF 6'000This page0.25%CHF 0.00zł 28'530.35with bank transfer to bank deposit+zł 153.57
CHF 25'0000.20%CHF 0.00zł 118'966.76with bank transfer to bank deposit+zł 663.32

Mid-market rate: 1 CHF = 4.7670 PLN

CHF/PLN Exchange Rate History

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

The cheapest way to send CHF 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 Key Currency), across 30 days of comparisons for 6’000 CHF transfers to Poland.

PLN received for CHF 6'000, after fees

Tue, 10 Nov 2026Mid-market ratezł 28'601.86 Key Currency zł 28'530.35Key Currencyzł 28'530.35Regency FXzł 28'524.63Wisezł 28'519.02

27'800
28'000
28'200
28'400
28'600
28'800
29'000
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXWise
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7093 – zł 28'255.66
Key Currency Cheapest 4.6975 CHF 0.00 zł 28'185.02 −zł 70.64
Regency FX 4.6966 CHF 0.00 zł 28'179.37 −zł 76.29
Wise No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7016 – zł 28'209.32
Key Currency Cheapest 4.6898 CHF 0.00 zł 28'138.79 −zł 70.53
Regency FX 4.6889 CHF 0.00 zł 28'133.15 −zł 76.17
Wise 4.7010 CHF 18.85 zł 28'117.63 −zł 91.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.6887 – zł 28'132.42
Key Currency Cheapest 4.6770 CHF 0.00 zł 28'062.09 −zł 70.33
Regency FX 4.6761 CHF 0.00 zł 28'056.46 −zł 75.96
Wise 4.6882 CHF 18.85 zł 28'040.53 −zł 91.89
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 4.7011 CHF 18.85 zł 28'117.86 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7103 – zł 28'261.55
Key Currency Cheapest 4.6985 CHF 0.00 zł 28'190.90 −zł 70.65
Regency FX 4.6975 CHF 0.00 zł 28'185.25 −zł 76.30
Wise 4.7099 CHF 18.85 zł 28'170.86 −zł 90.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7077 – zł 28'246.29
Wise Cheapest 4.7186 CHF 18.85 zł 28'222.47 −zł 23.82
Key Currency 4.6959 CHF 0.00 zł 28'175.67 −zł 70.62
Regency FX 4.6950 CHF 0.00 zł 28'170.03 −zł 76.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7077 – zł 28'246.29
Wise Cheapest 4.7186 CHF 18.85 zł 28'222.47 −zł 23.82
Key Currency 4.6959 CHF 0.00 zł 28'175.67 −zł 70.62
Regency FX 4.6950 CHF 0.00 zł 28'170.03 −zł 76.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7286 – zł 28'371.44
Key Currency Cheapest 4.7168 CHF 0.00 zł 28'300.51 −zł 70.93
Regency FX 4.7158 CHF 0.00 zł 28'294.84 −zł 76.60
Wise 4.7278 CHF 18.85 zł 28'277.56 −zł 93.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7162 – zł 28'297.22
Key Currency Cheapest 4.7044 CHF 0.00 zł 28'226.48 −zł 70.74
Regency FX 4.7035 CHF 0.00 zł 28'220.82 −zł 76.40
Wise 4.7157 CHF 18.85 zł 28'205.13 −zł 92.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7168 – zł 28'300.58
Key Currency Cheapest 4.7050 CHF 0.00 zł 28'229.83 −zł 70.75
Regency FX 4.7040 CHF 0.00 zł 28'224.17 −zł 76.41
Wise 4.7178 CHF 18.85 zł 28'217.81 −zł 82.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7435 – zł 28'461.27
Key Currency Cheapest 4.7317 CHF 0.00 zł 28'390.12 −zł 71.15
Regency FX 4.7307 CHF 0.00 zł 28'384.42 −zł 76.85
Wise 4.7435 CHF 18.85 zł 28'371.76 −zł 89.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7708 – zł 28'624.55
Key Currency Cheapest 4.7588 CHF 0.00 zł 28'552.99 −zł 71.56
Regency FX 4.7579 CHF 0.00 zł 28'547.26 −zł 77.29
Wise 4.7707 CHF 18.85 zł 28'534.27 −zł 90.28
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7632 – zł 28'579.06
Key Currency Cheapest 4.7513 CHF 0.00 zł 28'507.61 −zł 71.45
Regency FX 4.7503 CHF 0.00 zł 28'501.90 −zł 77.16
Wise 4.7640 CHF 18.85 zł 28'493.96 −zł 85.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7632 – zł 28'579.06
Key Currency Cheapest 4.7513 CHF 0.00 zł 28'507.61 −zł 71.45
Regency FX 4.7503 CHF 0.00 zł 28'501.90 −zł 77.16
Wise 4.7640 CHF 18.85 zł 28'493.96 −zł 85.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7510 – zł 28'505.80
Key Currency Cheapest 4.7391 CHF 0.00 zł 28'434.54 −zł 71.26
Regency FX 4.7381 CHF 0.00 zł 28'428.84 −zł 76.96
Wise 4.7508 CHF 18.85 zł 28'415.37 −zł 90.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7696 – zł 28'617.57
Key Currency Cheapest 4.7577 CHF 0.00 zł 28'546.03 −zł 71.54
Regency FX 4.7567 CHF 0.00 zł 28'540.30 −zł 77.27
Wise 4.7687 CHF 18.85 zł 28'522.01 −zł 95.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7699 – zł 28'619.24
Key Currency Cheapest 4.7579 CHF 0.00 zł 28'547.69 −zł 71.55
Regency FX 4.7570 CHF 0.00 zł 28'541.97 −zł 77.27
Wise 4.7706 CHF 18.85 zł 28'533.38 −zł 85.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7691 – zł 28'614.41
Key Currency Cheapest 4.7571 CHF 0.00 zł 28'542.87 −zł 71.54
Regency FX 4.7562 CHF 0.00 zł 28'537.15 −zł 77.26
Wise 4.7688 CHF 18.85 zł 28'522.73 −zł 91.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7732 – zł 28'639.04
Key Currency Cheapest 4.7612 CHF 0.00 zł 28'567.44 −zł 71.60
Regency FX 4.7603 CHF 0.00 zł 28'561.71 −zł 77.33
Wise 4.7729 CHF 18.85 zł 28'547.67 −zł 91.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7915 – zł 28'748.73
Key Currency Cheapest 4.7795 CHF 0.00 zł 28'676.86 −zł 71.87
Regency FX 4.7785 CHF 0.00 zł 28'671.11 −zł 77.62
Wise 4.7836 CHF 18.85 zł 28'611.73 −zł 137.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7915 – zł 28'748.73
Key Currency Cheapest 4.7795 CHF 0.00 zł 28'676.86 −zł 71.87
Regency FX 4.7785 CHF 0.00 zł 28'671.11 −zł 77.62
Wise 4.7836 CHF 18.85 zł 28'611.73 −zł 137.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7969 – zł 28'781.36
Key Currency Cheapest 4.7849 CHF 0.00 zł 28'709.41 −zł 71.95
Regency FX 4.7839 CHF 0.00 zł 28'703.65 −zł 77.71
Wise 4.7983 CHF 18.85 zł 28'699.11 −zł 82.25
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 4.8341 CHF 18.85 zł 28'913.42 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.8034 – zł 28'820.11
Key Currency Cheapest 4.7913 CHF 0.00 zł 28'748.06 −zł 72.05
Regency FX 4.7904 CHF 0.00 zł 28'742.29 −zł 77.82
Wise 4.8006 CHF 18.85 zł 28'713.29 −zł 106.82
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7869 – zł 28'721.20
Key Currency Cheapest 4.7749 CHF 0.00 zł 28'649.39 −zł 71.81
Regency FX 4.7739 CHF 0.00 zł 28'643.65 −zł 77.55
Wise 4.7868 CHF 18.85 zł 28'630.51 −zł 90.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.8013 – zł 28'808.00
Key Currency Cheapest 4.7893 CHF 0.00 zł 28'735.98 −zł 72.02
Regency FX 4.7884 CHF 0.00 zł 28'730.22 −zł 77.78
Wise 4.8022 CHF 18.85 zł 28'722.68 −zł 85.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.8089 – zł 28'853.39
Key Currency Cheapest 4.7969 CHF 0.00 zł 28'781.25 −zł 72.14
Regency FX 4.7959 CHF 0.00 zł 28'775.48 −zł 77.91
Wise 4.8064 CHF 18.85 zł 28'747.62 −zł 105.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.8127 – zł 28'876.07
Key Currency Cheapest 4.8006 CHF 0.00 zł 28'803.88 −zł 72.19
Regency FX 4.7997 CHF 0.00 zł 28'798.11 −zł 77.96
Wise 4.8064 CHF 18.85 zł 28'747.62 −zł 128.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7970 – zł 28'782.18
Key Currency Cheapest 4.7850 CHF 0.00 zł 28'710.22 −zł 71.96
Regency FX 4.7841 CHF 0.00 zł 28'704.47 −zł 77.71
Wise 4.7973 CHF 18.85 zł 28'693.49 −zł 88.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.7670 – zł 28'601.86
Key Currency Cheapest 4.7551 CHF 0.00 zł 28'530.35 −zł 71.51
Regency FX 4.7541 CHF 0.00 zł 28'524.63 −zł 77.23
Wise 4.7682 CHF 18.85 zł 28'519.02 −zł 82.84

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send CHF 6'000, after fees, as quoted by each company. The mid-market line shows what CHF 6'000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

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 CHF 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 Switzerland.

Right now, Key Currency pays 28’530.35 PLN on 6’000 CHF, which is 71.51 PLN less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 28’913.42 PLN.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

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 119 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

  1. Key CurrencyAppeared in 57 comparisons

    Cheapest in 93% of them

  2. Regency FXAppeared in 83 comparisons

    Cheapest in 29% of them

  3. WiseAppeared in 117 comparisons

    Cheapest in 19% of them

Based on 119 comparisons across 4 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 analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

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

Regency FX (today's second cheapest) was the cheapest in only 29% of its comparisons, so it's rarely the cheapest option for transfers to Poland.

Ways to send money from Switzerland to Poland

10 companies send money from Switzerland to Poland, across currency broker, online, app, multi-currency account, and global business account, and more.

For one-off transfers

Online transfers

Online services like Wise are usually cheaper than Swiss banks for one-off and medium-sized transfers.

With Wise, 6’000 CHF gets your recipient 28’519.02 PLN.

The fee is 18.85 CHF, with a -0.02% markup on top of the CHF/PLN rate.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 days it quoted.

For spending and receiving

Multi-currency accounts

A multi-currency account is useful if you earn in Swiss francs but spend money in PLN (be it payments or travelling).

Wise converts CHF 6’000 with a -0.02% exchange-rate markup and lets you hold CHF and PLN in one account.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

For regular transfers

Money transfer apps

For the monthly transfer to family, money transfer apps are the easiest to start with.

Wise charges fr.18.85 on a fr.6’000 transfer, and the money lands within a week.

Over the past month, Wise was the cheapest app on 100% of the days it appeared for fr.6’000 transfers.

You can also save recipients and create automated scheduled transfers to Poland.

You can’t make deposits with TWINT, but instead you can use Apple Pay, Google Pay, bank transfer, debit card, and credit card.

For large CHF transfers

Currency brokers

Private banks can usually do this too, but brokers streamline the process and you also get an account manager to handle the transfer.

For example, if you are buying property in Poland or moving your wealth, a broker like Key Currency charges no fee and works on a margin instead (0.25% on CHF/PLN).

I suggest , since the more PLN you send the better rate you get.

Our analysis shows Key Currency was the cheapest broker in 100% of the transfers from CHF 6,000 it quoted.

Brokers charge no fees, so settle with the one that gives you the best CHF/PLN rate.

For companies paying across borders

Global accounts

Converting every payment separately adds extra work for Swiss businesses with regular costs in Poland.

A global account lets you hold PLN alongside CHF and pay from the balance.

Wise Business, WorldFirst and Airwallex offer multi-currency accounts with business payment tools.

Ways to fund CHF and receive PLN in Poland

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6’000 gives your recipient 28’530.35 PLN.

The transfer can be paid for by bank transfer, debit card, and credit card.

You can pay from your Swiss bank account

Send CHF to the account details provided by the company.

Use the exact reference so it can match the payment to your transfer.

TWINT is mainly for payments in Switzerland, so it does not replace an international transfer to Poland.

In Poland, they can get PLN delivered as bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay fr.6,000.00

    zł28,530

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay fr.6,000.00

    zł28,244

    -zł286

  3. 3
    Credit card Bank deposit

    You pay fr.6,000.00

    zł28,244

    -zł286

Things to know before sending CHF to Poland

The exchange-rate margin usually matters more than the transfer fee from Switzerland. Gift tax and account protection also depend on details that are easy to miss.

Compare CHF/PLN transfer options

For a CHF 6’000 transfer to Poland, these are the best options in our comparison.

Cheapest way to send money to Poland

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 28’530.35 PLN, which is 0.02% more than the next best option.

Fastest way to send money to Poland

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 28’297.56 PLN in within minutes.

Switzerland is in SEPA, but CHF is not a SEPA currency

Swiss banks can make SEPA payments in euros, but a CHF transfer to PLN requires a conversion.

Same goes for Swiss instant payments.

Money transfer companies can take these as funding methods (since accounts are in Switzerland) but then they switch to an internal network of accounts.

Gift tax depends on your canton

Switzerland has no federal gift tax applied on transfers abroad.

Most cantons impose their own rules, with the amount due usually depending on the value of the gift and your relationship to the recipient.

The Swiss government portal explains how gift tax works here.

Money transfer protection

Do not assume every app used in Switzerland is FINMA-authorised or covered by Swiss deposit insurance.

Some services operate under a foreign licence, and a Swiss virtual IBAN does not by itself create Swiss deposit protection.

Eligible deposits at participating Swiss banks are protected up to CHF 100,000 per customer and bank, but esisuisse confirms that a virtual IBAN or correspondent account may fall outside that protection.

If you’re in doubt about a money transfer company or app, check the legal company behind the service in the FINMA register.

How we analyse the market

Most pricing comes straight from the companies, and anything we collect by hand is marked in the table.

That covers 10 of them sending CHF to Poland, refreshed in real time on live searches and compared on rates, fees and the ways to pay and collect.

In the past 30 days alone, we analysed 119 comparisons across 4 amounts.

This page covers the cheapest and fastest options for CHF/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 how to get started.

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