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

The exchange rate determines the price you’ll pay for Zloty when you send Swiss Franc to Poland.

The current exchange rate between the Swiss Franc and Zloty is 4.6441, and it constantly fluctuates.

When calculating the cost of sending money from Switzerland to Poland, a combination of fees and exchange rates ensure the best deal:

• The Mid-Market and Exchange Rates: The current CHF-PLN mid-market rate is 4.6441 PLN per Swiss Franc. Finding a provider as close to this number as possible will ensure more Zloty for your money.

• Fees: Transfer fees are charged on top of a transfer. Key Currency currently offers the lowest fees of 0 CHF per transfer (based on fr.6,000 transfer). Although, we recommend searching for your exact send amount for an exact fee.

• Amount Received: The total amount received in Zloty is the biggest indicator in the total cost of sending money to Switzerland from Poland. The higher the total amount received in Poland, the lower the cost of sending from Switzerland.

It’s possible that waiting a day or two can help you get more PLN for the same amount of Swiss Franc. But, the best way to lock in a price between Switzerland and Poland is by using a forward contract.

A bank transfer is our recommended option for money transfers between Switzerland and Poland. Key Currency offers the best price on a bank transfer.

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

Bank transfers

Bank transfers are often the best payment method for money transfers from Switzerland to Poland.

A money transfer company like Key Currency offer bank transfers between Switzerland and Poland with lower fees and better exchange rates than you would get from a traditional bank.

On average, Key Currency is the cheapest provider for bank transfers of the 13 we tested when sending CHF to Poland.

Debit and prepaid cards

Sending money from Switzerland to Poland with a debit or a prepaid card is very simple with Revolut.


Revolut is a leader in debit card payments for transfers from Switzerland to Poland, competing among a total of 13 active money transfer companies on this route.

Credit cards

We recommend avoiding credit cards where possible due to a lack of support and high fees.

If you have to use a credit card, we recommend comparing your options to find the company with the lowest fees.

Always choose providers that are regulated by financial authorities in both Switzerland and Poland to ensure funds are protected.

Please refer to our directory of financial regulators worldwide for key regulatory bodies for money transfers between Switzerland and Poland.

Some services have minimum or maximum thresholds on how much you can transfer from Switzerland to Poland.

Companies will offer different rates and fees for different transfer amounts. Some companies will become more expensive after certain thresholds are hit.

We’d recommend using Wise if you need to send large amounts of CHF to Poland. The combination of rates and fees when sending to Poland is the most competitive, even at larger amounts.

Also, always check with the recipient and understand any declarations needed on large amounts of money leaving Switzerland, or entering Poland. Mis-understanding these could result in a slower, or even failed, transfer.

There are different ways to receive money in Poland. You can do a direct bank deposit, cash pickup, use a mobile wallet or receive money into a multi-currency account. It’s likely not all providers serving transfers from Switzerland to Poland will offer every method, so it’s best to check ahead of time.

A direct transfer to a bank account is one of the more common ways to transfer from Switzerland into Zloty. Wise is the best company for bank transfers between Switzerland and Poland.

And if you need cash right away, check if cash pickup is an option for transfers between Switzerland and Poland.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Key Currency.

When signing up to a money transfer company to send between Switzerland and Poland, you will need to verify your ID.

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

For the most part, in Switzerland this will be a government ID like a passport or driver's license. In Poland it will be a similar set of documents, although this should only be needed if you are opening a new account in Poland, or collecting in cash.

Big transactions between Switzerland and Poland, are subject to additional checks. A provider may ask you for proof of address or may want to know where the money comes from.

We recommend Wise in part due to their easy sign up process in Switzerland.

When sending large amounts of money between Switzerland and Poland there will be tax implications to consider.

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

Tax limits and personal allowances differ in Poland based on age, income and a few other elements. When in doubt, please contact a tax professional in Switzerland or Poland to discuss your personal circumstances.