Xe is the best and cheapest service overall. On €7,000 you will get 30,932.3 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 28 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/PLN transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €36.06 1 EUR = 4.3758 PLN +0.02% vs mid-market | Recipient gets zł 30,472.46 Same day | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €36.061 EUR = 4.3758 PLN zł 30,472.46You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 4.4189 PLN -0.96% vs mid-market | Recipient gets zł 30,932.30 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 = 4.4189 PLN zł 30,932.30You 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. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 4.4189 PLN -0.96% vs mid-market | Recipient gets zł 30,932.30 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 = 4.4189 PLN zł 30,932.30You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 4.4189 PLN -0.96% vs mid-market | Recipient gets zł 30,932.30 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 = 4.4189 PLN zł 30,932.30You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 4.4189 PLN -0.96% vs mid-market | Recipient gets zł 30,932.30 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 = 4.4189 PLN zł 30,932.30You pay€7,000.00 | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 4.3658 PLN +0.25% vs mid-market | Recipient gets zł 30,560.41 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 = 4.3658 PLN zł 30,560.41You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 4.3649 PLN +0.27% vs mid-market | Recipient gets zł 30,554.29 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 = 4.3649 PLN zł 30,554.29You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 4.3636 PLN +0.30% vs mid-market | Recipient gets zł 30,545.09 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 = 4.3636 PLN zł 30,545.09You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 4.3548 PLN +0.50% vs mid-market | Recipient gets zł 30,483.82 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 = 4.3548 PLN zł 30,483.82You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €36.06 1 EUR = 4.3758 PLN +0.02% vs mid-market | Recipient gets zł 30,472.46 Same day | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €36.061 EUR = 4.3758 PLN zł 30,472.46You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 4.3505 PLN +0.60% vs mid-market | Recipient gets zł 30,453.50 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 = 4.3505 PLN zł 30,453.50You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €46.20 1 EUR = 4.3758 PLN +0.02% vs mid-market | Recipient gets zł 30,428.09 Same day | |
Ways to receive money in Poland with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €46.201 EUR = 4.3758 PLN zł 30,428.09You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €2.28 1 EUR = 4.3460 PLN +0.70% vs mid-market | Recipient gets zł 30,412.00 Minutes - 24 hours | |
Ways to receive money in Poland with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €2.281 EUR = 4.3460 PLN zł 30,412.00You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €44.00 1 EUR = 4.3657 PLN +0.25% vs mid-market | Recipient gets zł 30,367.54 Within minutes | |
Ways to receive money in Poland with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €44.001 EUR = 4.3657 PLN zł 30,367.54You 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 = 4.3758 PLN +0.02% vs mid-market | Recipient gets zł 30,231.79 Same day | |
Ways to receive money in Poland with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €91.061 EUR = 4.3758 PLN zł 30,231.79You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €79.00 1 EUR = 4.3657 PLN +0.25% vs mid-market | Recipient gets zł 30,214.74 Within minutes | |
Ways to receive money in Poland with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €79.001 EUR = 4.3657 PLN zł 30,214.74You 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 = 4.3154 PLN +1.40% vs mid-market | Recipient gets zł 30,208.09 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 = 4.3154 PLN zł 30,208.09You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €133.08 1 EUR = 4.3758 PLN +0.02% vs mid-market | Recipient gets zł 30,047.93 Same day | |
Ways to receive money in Poland with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €133.081 EUR = 4.3758 PLN zł 30,047.93You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €9.99 1 EUR = 4.2865 PLN +2.08% vs mid-market | Recipient gets zł 30,005.50 Minutes - 24 hours | |
Ways to receive money in Poland with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:Most Banks €9.991 EUR = 4.2865 PLN zł 30,005.50You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 4.2865 PLN zł 30,005.50You pay€7,009.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €9.991 EUR = 4.0075 PLN zł 28,052.50You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €9.99 1 EUR = 4.2865 PLN +2.08% vs mid-market | Recipient gets zł 30,005.50 Minutes - 24 hours | |
Ways to receive money in Poland with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:Most Banks €9.991 EUR = 4.2865 PLN zł 30,005.50You pay€7,009.99 Cash pickupMinutes - 24 hours €9.991 EUR = 4.2865 PLN zł 30,005.50You pay€7,009.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €9.991 EUR = 4.0075 PLN zł 28,052.50You pay€7,009.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €9.99 1 EUR = 4.2865 PLN +2.08% vs mid-market | Recipient gets zł 30,005.50 Minutes - 24 hours | |
Ways to receive money in Poland with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours €9.991 EUR = 4.2865 PLN zł 30,005.50You pay€7,009.99 Bank depositMinutes - 24 hoursAvailable via:Most Banks €9.991 EUR = 4.2865 PLN zł 30,005.50You pay€7,009.99 | |||
 Opal Transfer Pay via Bank transfer | Fee €1.00 1 EUR = 4.2500 PLN +2.94% 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 | |||
 Profee Pay via Debit card | Fee €0.00 1 EUR = 4.2443 PLN +3.07% vs mid-market | Recipient gets zł 29,710.12 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 = 4.2443 PLN zł 29,710.12You pay€7,000.00 | |||
| Profee Pay via Bank transfer | Fee €0.00 1 EUR = 4.2443 PLN +3.07% vs mid-market | Recipient gets zł 29,710.12 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 = 4.2443 PLN zł 29,710.12You pay€7,000.00 | |||
| Profee Pay via Klarna | Fee €0.00 1 EUR = 4.2443 PLN +3.07% vs mid-market | Recipient gets zł 29,710.12 Minutes - 24 hours | |
Ways to receive money in Poland with Profee when paying by klarna. MethodFee & ratesRecipient gets Card depositMinutes - 24 hours Free1 EUR = 4.2443 PLN zł 29,710.12You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 4.3767 PLN Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Xe.
On a 7,000 EUR transfer, Xe 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 in person, 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 30,932.3 PLN with a €0 fee and -0.96% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For paying in cash at a counter
There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.
Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.
In general, online transfers are cheaper than sending cash to Poland.
For large transfers from Germany
For buying property, moving to Poland, or moving pensions, a currency broker is the best option.
A broker like Xe charges no fee and works on a margin. It adds -0.96% 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 ~0.02% markup and charges small fees.
With Xe, paying by debit card and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 30,932.3 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, card deposit, and cash pickup.
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.
They can receive cash in Poland
For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.
You pay €7,000.00
zł30,932
Cheapest
You pay €7,000.00
zł30,932
zł0
You pay €7,000.00
zł30,932
zł0
You pay €7,000.00
zł30,428
-zł504
You pay €7,009.99
zł30,006
-zł927
You pay €7,009.99
zł30,006
-zł927
You pay €7,009.99
zł30,006
-zł927
You pay €7,000.00
zł29,710
-zł1,222
You pay €7,000.00
zł29,710
-zł1,222
You pay €7,000.00
zł29,710
-zł1,222
You pay €7,009.99
zł28,053
-zł2,880
You pay €7,009.99
zł28,053
-zł2,880
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 Xe, funded by debit card with bank deposit for the payout. Your recipient gets 30,932.3 PLN, which is 1.2% 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 30,367.54 PLN in innerhalb von minuten.
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 = 4.370119 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.
Advanced filters
Advanced filters
Tailor this money transfer comparison to your needs.
Show companies that support specific transfer features.
Only show providers with user feedback and reviews.
Hide selected providers from the EUR/PLN comparison.
Search Now & Save On Your Transfer
Instantly view live exchange rates, fees & features.
Please share your experience with …