Key Currency is the best and cheapest service overall. On €7,000 you will get 30,174.24 PLN after fees and the exchange rate.
We’ve compared 12 money transfer companies in more detail below.
| 13 of 13 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/PLN exchange rates from our comparisons. | |||
| Based on 7,000 EUR transfer Best companies for EUR/PLN transfersAll money transfer offers for EUR/PLN transfers, sorted by most PLN received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee €36.06 1 EUR = 4.3213 PLN 0.00% vs mid-market | Recipient gets zł 30,093.62 Within a week | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €36.061 EUR = 4.3213 PLN zł 30,093.62You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 4.3082 PLN +0.31% vs mid-market | Recipient gets zł 30,157.40 Minutes - 24 hours | |
Ways to receive money in Poland with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.3082 PLN zł 30,157.40You pay€7,000.00 | |||
Run a live search Showing top Germany to Poland deals for 7,000 EUR. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live EUR to PLN rates. | |||
Run a live search These companies offer multi-currency accounts for spending PLN. We suggest doing a live search based on how much EUR you're planning to spend in Poland. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 4.3106 PLN +0.25% vs mid-market | Recipient gets zł 30,174.24 Minutes - 3 days | |
Ways to receive money in Poland with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 4.3106 PLN zł 30,174.24You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 4.3097 PLN +0.27% vs mid-market | Recipient gets zł 30,168.19 Minutes - 24 hours | |
Ways to receive money in Poland with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.3097 PLN zł 30,168.19You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 4.3084 PLN +0.30% vs mid-market | Recipient gets zł 30,159.11 Minutes - 24 hours | |
Ways to receive money in Poland with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.3084 PLN zł 30,159.11You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 4.3082 PLN +0.31% vs mid-market | Recipient gets zł 30,157.40 Minutes - 24 hours | |
Ways to receive money in Poland with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.3082 PLN zł 30,157.40You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 4.3082 PLN +0.31% vs mid-market | Recipient gets zł 30,157.40 Minutes - 24 hours | |
Ways to receive money in Poland with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.3082 PLN zł 30,157.40You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 4.3082 PLN +0.31% vs mid-market | Recipient gets zł 30,157.40 Minutes - 24 hours | |
Ways to receive money in Poland with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.3082 PLN zł 30,157.40You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 4.2998 PLN +0.50% vs mid-market | Recipient gets zł 30,098.61 Minutes - 24 hours | |
Ways to receive money in Poland with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.2998 PLN zł 30,098.61You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €36.06 1 EUR = 4.3213 PLN 0.00% vs mid-market | Recipient gets zł 30,093.62 Within a week | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €36.061 EUR = 4.3213 PLN zł 30,093.62You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 4.2957 PLN +0.60% vs mid-market | Recipient gets zł 30,069.90 Minutes - 24 hours | |
Ways to receive money in Poland with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.2957 PLN zł 30,069.90You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €46.20 1 EUR = 4.3213 PLN 0.00% vs mid-market | Recipient gets zł 30,049.80 Within a week | |
Ways to receive money in Poland with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €46.201 EUR = 4.3213 PLN zł 30,049.80You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €2.31 1 EUR = 4.2915 PLN +0.69% vs mid-market | Recipient gets zł 30,030.50 Minutes - 24 hours | |
Ways to receive money in Poland with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €2.311 EUR = 4.2915 PLN zł 30,030.50You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €44.00 1 EUR = 4.3113 PLN +0.23% vs mid-market | Recipient gets zł 29,989.07 Within minutes | |
Ways to receive money in Poland with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €44.001 EUR = 4.3113 PLN zł 29,989.07You pay€7,000.00 | |||
| 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. | |||
| Wise Pay via Debit card | Fee €91.06 1 EUR = 4.3213 PLN 0.00% vs mid-market | Recipient gets zł 29,855.95 Within a week | |
Ways to receive money in Poland with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €91.061 EUR = 4.3213 PLN zł 29,855.95You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €79.00 1 EUR = 4.3113 PLN +0.23% vs mid-market | Recipient gets zł 29,838.18 Within minutes | |
Ways to receive money in Poland with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €79.001 EUR = 4.3113 PLN zł 29,838.18You pay€7,000.00 | |||
| 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. | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 4.2609 PLN +1.40% vs mid-market | Recipient gets zł 29,826.36 Minutes - 2 days | |
Ways to receive money in Poland with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 4.2609 PLN zł 29,826.36You pay€7,000.00 | |||
 Opal Transfer Pay via Bank transfer | Fee €1.00 1 EUR = 4.2500 PLN +1.67% vs mid-market | Recipient gets zł 29,745.75 Minutes - 24 hours | |
Ways to receive money in Poland with Opal Transfer when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €1.001 EUR = 4.2500 PLN zł 29,745.75You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €133.08 1 EUR = 4.3213 PLN 0.00% vs mid-market | Recipient gets zł 29,674.36 Within a week | |
Ways to receive money in Poland with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer €133.081 EUR = 4.3213 PLN zł 29,674.36You pay€7,000.00 | |||
 Deutsche Bank Pay via Bank transfer | Fee €37.05 1 EUR = 4.2534 PLN +1.59% vs mid-market | Recipient gets zł 29,615.97 Minutes - 5 days | |
Ways to receive money in Poland with Deutsche Bank when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days €37.051 EUR = 4.2534 PLN zł 29,615.97You pay€7,000.00 | |||
 Profee Pay via Debit card | Fee €0.00 1 EUR = 4.1905 PLN +3.08% vs mid-market | Recipient gets zł 29,333.25 Minutes - 24 hours | |
Ways to receive money in Poland with Profee when paying by debit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hours Free1 EUR = 4.1905 PLN zł 29,333.25You pay€7,000.00 | |||
| Profee Pay via Bank transfer | Fee €0.00 1 EUR = 4.1905 PLN +3.08% vs mid-market | Recipient gets zł 29,333.25 Minutes - 24 hours | |
Ways to receive money in Poland with Profee when paying by bank transfer. MethodFee & ratesRecipient gets Card depositMinutes - 24 hours Free1 EUR = 4.1905 PLN zł 29,333.25You pay€7,000.00 | |||
| Profee Pay via Klarna | Fee €0.00 1 EUR = 4.1905 PLN +3.08% vs mid-market | Recipient gets zł 29,333.25 Minutes - 24 hours | |
Ways to receive money in Poland with Profee when paying by klarna. MethodFee & ratesRecipient gets Card depositMinutes - 24 hours Free1 EUR = 4.1905 PLN zł 29,333.25You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 4.321409 PLN Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Key Currency.
On a 7,000 EUR transfer, Key Currency delivers the most PLN.
This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/PLN rate.
You have 6 ways to pay, including bank transfer, debit card, credit card, ideal, debit card, and klarna.
First time round you'll need a photo ID and proof of your German address.
Video identification is also normal and takes a few minutes.
There are 12 companies for sending money from Germany to Poland, across broker, online, app, multi-currency account, global account, and bank, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with Xe to Poland gets you 30,157.4 PLN with a €0 fee and 0.31% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For Euro transfers only
Inside the eurozone, banks use a SEPA transfer which is cheap or free and there's little reason to look further.
Outside the eurozone, banks like Deutsche Bank are much more expensive.
On a €7,000 transfer, Deutsche Bank delivers 29,615.97 PLN vs 30,174.24 PLN with Key Currency.
For large transfers from Germany
For buying property, moving to Poland, or moving pensions, a currency broker is the best option.
A broker like Key Currency charges no fee and works on a margin. It adds 0.25% on EUR/PLN which gets negotiated the more you send.
And you get an account manager to help you through the process.
For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.
For making business payments
Global accounts are for businesses making payments to Poland.
Be it overseas suppliers and contractors, receiving PLN payments, or holding PLN and EUR in one business account.
Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.
For spending & receiving
A multi-currency account lets you hold EUR and PLN in one account.
You get PLN bank details, and can receive international payments like rent, dividends, family payments without additional conversions.
You can convert PLN to EUR or EUR to PLN whenever you need.
The best multi currency account is Wise, it adds ~0% markup and charges small fees.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 30,174.24 PLN.
You can pay for the transfer using bank transfer, debit card, credit card, ideal, debit card, and klarna.
Using German bank
A SEPA bank transfer is usually the cheapest way to deposit EUR.
An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to Poland.
The recipient in Poland can receive PLN by bank deposit and card deposit.
To receive PLN by bank deposit
Enter the recipient's banking details and account holders name.
Check both before sending because correcting a bank deposit will delay the transfer.
You pay €7,000.00
zł30,174
Cheapest
You pay €7,000.00
zł30,157
-zł17
You pay €7,000.00
zł30,157
-zł17
You pay €7,000.00
zł30,050
-zł124
You pay €7,000.00
zł29,333
-zł841
You pay €7,000.00
zł29,333
-zł841
You pay €7,000.00
zł29,333
-zł841
The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.
For a €7,000 transfer to Poland, these are the best options:
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 30,174.24 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 29,989.07 PLN in within minutes.
Germany's AWV reporting threshold is €50,000.
A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.
It is a statistics report, not a tax or permission request.
Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.
The automated AWV notice shown by a bank does not mean every transfer is reportable.
The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.
If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.
A payment converted into PLN sits outside that pricing rule and may involve another bank or payout partner.
Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.
This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.
The EUR/PLN rate can move noticeably within a week, changing the amount your recipient gets in PLN.
Mid-market rate:1 EUR = 4.318413 PLN
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 12 of them on EUR to Poland, comparing rates, fees and the pay-in and payout options.
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.
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