How to send money to Poland from Germany with the best EUR-PLN rate

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 Euro and Zloty is 4.2857.

The total cost of money transfers to Poland from Germany, is a combination of exchange rates and fees. Sending with a company that can offer a good competitive rate and low (or no) fees is the best way to get a good deal.

• The Mid-Market and Exchange Rates: The current mid-market for EUR-PLN is 4.2857 PLN per Euro.

• Fees: Some money transfers between Germany and Poland will be subject to fees. Key Currency has a fee of 0 EUR based on a 7,000 EUR transfer. Although you should search for your send amount for actual fees as your scenario may be different.

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

Waiting a day or two can help you get more PLN for the same amount of Euros.

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

Here are the best options:

Bank transfers

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

By using a money transfer company such as Key Currency to send money from Germany 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 Germany to Poland with a prepaid or debit card is very easy with Wise.


Wise is a great choice for sending money with a debit card from Germany to Poland. This is from the 17 money transfer companies compared.

Credit cards

When it comes to credit card transfers from Germany to Poland, we recommend comparing your options to get the best deal.

Regulations are important for keeping your money safe, Germany and Poland have different regulations to consider.

Our directory of worldwide financial regulators contains details on regulation for money transfers between Germany and Poland.

Companies offering money transfers between Germany 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 EUR-PLN rates for your specific transfer amount.

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

We’ve recommended Wise for sending EUR to Poland, because of their combination of rates and fees when sending from Germany 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 Germany.

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 Germany 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 Germany. 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 Germany 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 Revolut, 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 Germany 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 Germany 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 Germany.

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

Some transfers into Zloty may need to be reported to tax authorities in Poland and Germany, 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 Germany or Poland to discuss your personal circumstances to ensure you are not missing any specific tax declarations associated with your international money transfer.