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

We’ve compared and analysed 11 money transfer companies in Finland.

Best companies for EUR/PLN transfers

11 of 11 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/PLN transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €36.06 1 EUR = 4.4040 PLN 0.00% vs mid-market Recipient gets zł 30,668.84 Same 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 depositSame dayAvailable via:Bank Transfer
€36.061 EUR = 4.4040 PLN
zł 30,668.84You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 4.3887 PLN +0.35% vs mid-market Recipient gets zł 30,720.90 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
Free1 EUR = 4.3887 PLN
zł 30,720.90You pay€7,000.00

Run a live search

Showing top Finland to Poland deals for 7,000 EUR. 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 €0.00 1 EUR = 4.3929 PLN +0.25% vs mid-market Recipient gets zł 30,750.62 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 EUR = 4.3929 PLN
zł 30,750.62You pay€7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 4.3921 PLN +0.27% vs mid-market Recipient gets zł 30,744.46 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 EUR = 4.3921 PLN
zł 30,744.46You pay€7,000.00

TorFx

Pay via Bank transfer
Fee €0.00 1 EUR = 4.3907 PLN +0.30% vs mid-market Recipient gets zł 30,735.21 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 EUR = 4.3907 PLN
zł 30,735.21You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 4.3887 PLN +0.35% vs mid-market Recipient gets zł 30,720.90 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
Free1 EUR = 4.3887 PLN
zł 30,720.90You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 4.3887 PLN +0.35% vs mid-market Recipient gets zł 30,720.90 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 EUR = 4.3887 PLN
zł 30,720.90You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 4.3887 PLN +0.35% vs mid-market Recipient gets zł 30,720.90 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
Free1 EUR = 4.3887 PLN
zł 30,720.90You pay€7,000.00

OFX

Pay via Bank transfer
Fee €0.00 1 EUR = 4.3819 PLN +0.50% vs mid-market Recipient gets zł 30,673.55 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 EUR = 4.3819 PLN
zł 30,673.55You pay€7,000.00

Wise

Pay via Bank transfer
Fee €36.06 1 EUR = 4.4040 PLN 0.00% vs mid-market Recipient gets zł 30,668.84 Same day
Recommended
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 depositSame dayAvailable via:Bank Transfer
€36.061 EUR = 4.4040 PLN
zł 30,668.84You pay€7,000.00

Currencies Direct

Pay via Bank transfer
Fee €0.00 1 EUR = 4.3777 PLN +0.60% vs mid-market Recipient gets zł 30,643.90 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 EUR = 4.3777 PLN
zł 30,643.90You pay€7,000.00

Wise

Pay via iDEAL
Fee €46.20 1 EUR = 4.4040 PLN 0.00% vs mid-market Recipient gets zł 30,624.19 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
€46.201 EUR = 4.4040 PLN
zł 30,624.19You pay€7,000.00

CurrencyFair

Pay via Bank transfer
Fee €2.27 1 EUR = 4.3735 PLN +0.69% vs mid-market Recipient gets zł 30,604.50 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
€2.271 EUR = 4.3735 PLN
zł 30,604.50You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €70.50 1 EUR = 4.3938 PLN +0.23% vs mid-market Recipient gets zł 30,446.99 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
€70.501 EUR = 4.3938 PLN
zł 30,446.99You 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 = 4.4040 PLN 0.00% vs mid-market Recipient gets zł 30,426.63 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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 = 4.4040 PLN
zł 30,426.63You pay€7,000.00

Moneycorp

Pay via Bank transfer
Fee €0.00 1 EUR = 4.3423 PLN +1.40% vs mid-market Recipient gets zł 30,396.10 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 = 4.3423 PLN
zł 30,396.10You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €109.00 1 EUR = 4.3938 PLN +0.23% vs mid-market Recipient gets zł 30,277.82 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
€109.001 EUR = 4.3938 PLN
zł 30,277.82You 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 Credit card
Fee €133.08 1 EUR = 4.4040 PLN 0.00% vs mid-market Recipient gets zł 30,241.57 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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 = 4.4040 PLN
zł 30,241.57You pay€7,000.00

Profee

Pay via Debit card
Fee €0.00 1 EUR = 4.2718 PLN +3.05% vs mid-market Recipient gets zł 29,902.94 Minutes - 24 hours
Multi-currency cardReceive to bank account or debit card

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

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hours
Free1 EUR = 4.2718 PLN
zł 29,902.94You pay€7,000.00

Profee

Pay via Bank transfer
Fee €0.00 1 EUR = 4.2718 PLN +3.05% vs mid-market Recipient gets zł 29,902.94 Minutes - 24 hours
Multi-currency cardReceive to bank account or debit card

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

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hours
Free1 EUR = 4.2718 PLN
zł 29,902.94You pay€7,000.00

Profee

Pay via Klarna
Fee €0.00 1 EUR = 4.2718 PLN +3.05% vs mid-market Recipient gets zł 29,902.94 Minutes - 24 hours
Multi-currency cardReceive to bank account or debit card

Ways to receive money in Poland with Profee when paying by klarna.

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hours
Free1 EUR = 4.2718 PLN
zł 29,902.94You pay€7,000.00
How Our Results Work
Mid-market rate: 1 EUR = 4.4040 PLN Updates every 60 minutes.

How to send money from Finland to Poland

Pick a company

For a one-off EUR transfer to Poland, start with Key Currency.

Key Currency was the cheapest on 27 of the 27 days it quoted €7,000 transfers to Poland.

On a 7,000 EUR transfer, Key Currency delivers the most PLN.

The cheapest option depends on the amount, so I suggest to get the best EUR/PLN rate.

Fund your transfer

You have 6 ways to pay, including bank transfer, debit card, credit card, iDEAL, debit card, and klarna.

Select how you want the recipient to pick up the money. For transfers to Poland they can receive it via bank deposit and card deposit.

Verify and send

If it's your first time using the service, you will need to verify your account.

This usually takes a few minutes to a few hours.

If your transfer is urgent, make sure to get it done beforehand to avoid any delays.

Compare amounts

How much EUR are you sending to Poland?

How much EUR 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 100% of the transfers from €2,000 it quoted, and in 100% of all the transfers it quoted.

Cheapest service
€5000.42%€0.00zł 2,191.82with debit card to bank deposit+zł 23.49
€2,0000.31%€0.00zł 8,777.40with debit card to bank deposit+zł 91.25
€7,000This page0.25%€0.00zł 30,750.62with bank transfer to bank deposit+zł 271.36

Mid-market rate: 1 EUR = 4.4040 PLN

EUR/PLN Exchange Rate History

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

The cheapest way to send EUR 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 7,000 EUR transfers to Poland.

PLN received for €7,000, after fees

Wed, 28 Oct 2026Mid-market ratezł 30,827.69 Key Currency zł 30,750.62Key Currencyzł 30,750.62Regency FXzł 30,744.46TorFxzł 30,735.21

30 400
30 500
30 600
30 700
30 800
30 900
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3707 – zł 30,594.63
Key Currency Cheapest 4.3597 €0.00 zł 30,518.15 −zł 76.48
Regency FX 4.3589 €0.00 zł 30,512.03 −zł 82.60
TorFx 4.3576 €0.00 zł 30,502.85 −zł 91.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3606 – zł 30,524.54
Key Currency Cheapest 4.3497 €0.00 zł 30,448.22 −zł 76.32
Regency FX 4.3489 €0.00 zł 30,442.12 −zł 82.42
TorFx 4.3476 €0.00 zł 30,432.96 −zł 91.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3754 – zł 30,628.14
Key Currency Cheapest 4.3645 €0.00 zł 30,551.57 −zł 76.57
Regency FX 4.3636 €0.00 zł 30,545.45 −zł 82.69
TorFx 4.3623 €0.00 zł 30,536.26 −zł 91.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3757 – zł 30,630.14
Key Currency Cheapest 4.3648 €0.00 zł 30,553.57 −zł 76.57
Regency FX 4.3639 €0.00 zł 30,547.44 −zł 82.70
TorFx 4.3626 €0.00 zł 30,538.25 −zł 91.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3864 – zł 30,704.54
Key Currency Cheapest 4.3754 €0.00 zł 30,627.78 −zł 76.76
Regency FX 4.3745 €0.00 zł 30,621.64 −zł 82.90
TorFx 4.3732 €0.00 zł 30,612.43 −zł 92.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3864 – zł 30,704.54
Key Currency Cheapest 4.3754 €0.00 zł 30,627.78 −zł 76.76
Regency FX 4.3745 €0.00 zł 30,621.64 −zł 82.90
TorFx 4.3732 €0.00 zł 30,612.43 −zł 92.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3870 – zł 30,708.81
Key Currency Cheapest 4.3760 €0.00 zł 30,632.04 −zł 76.77
Regency FX 4.3751 €0.00 zł 30,625.90 −zł 82.91
TorFx 4.3738 €0.00 zł 30,616.68 −zł 92.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3748 – zł 30,623.37
Key Currency Cheapest 4.3638 €0.00 zł 30,546.81 −zł 76.56
Regency FX 4.3630 €0.00 zł 30,540.69 −zł 82.68
TorFx 4.3616 €0.00 zł 30,531.50 −zł 91.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3749 – zł 30,624.29
Key Currency Cheapest 4.3640 €0.00 zł 30,547.73 −zł 76.56
Regency FX 4.3631 €0.00 zł 30,541.61 −zł 82.68
TorFx 4.3618 €0.00 zł 30,532.42 −zł 91.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3819 – zł 30,673.42
Key Currency Cheapest 4.3710 €0.00 zł 30,596.74 −zł 76.68
Regency FX 4.3701 €0.00 zł 30,590.60 −zł 82.82
TorFx 4.3688 €0.00 zł 30,581.40 −zł 92.02
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3769 – zł 30,638.10
Key Currency Cheapest 4.3659 €0.00 zł 30,561.50 −zł 76.60
Regency FX 4.3651 €0.00 zł 30,555.37 −zł 82.73
TorFx 4.3637 €0.00 zł 30,546.18 −zł 91.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3887 – zł 30,720.68
Key Currency Cheapest 4.3777 €0.00 zł 30,643.87 −zł 76.81
Regency FX 4.3768 €0.00 zł 30,637.73 −zł 82.95
TorFx 4.3755 €0.00 zł 30,628.51 −zł 92.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3887 – zł 30,720.68
Key Currency Cheapest 4.3777 €0.00 zł 30,643.87 −zł 76.81
Regency FX 4.3768 €0.00 zł 30,637.73 −zł 82.95
TorFx 4.3755 €0.00 zł 30,628.51 −zł 92.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3885 – zł 30,719.49
Key Currency Cheapest 4.3775 €0.00 zł 30,642.69 −zł 76.80
Regency FX 4.3766 €0.00 zł 30,636.54 −zł 82.95
TorFx 4.3753 €0.00 zł 30,627.33 −zł 92.16
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3813 – zł 30,669.14
Key Currency Cheapest 4.3704 €0.00 zł 30,592.46 −zł 76.68
Regency FX 4.3695 €0.00 zł 30,586.33 −zł 82.81
TorFx 4.3682 €0.00 zł 30,577.13 −zł 92.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3692 – zł 30,584.50
Paysend Cheapest 4.3510 €0.00 zł 30,457.24 −zł 127.26
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3692 – zł 30,584.39
Key Currency Cheapest 4.3583 €0.00 zł 30,507.93 −zł 76.46
Regency FX 4.3574 €0.00 zł 30,501.82 −zł 82.57
TorFx 4.3561 €0.00 zł 30,492.64 −zł 91.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3703 – zł 30,592.14
Key Currency Cheapest 4.3594 €0.00 zł 30,515.66 −zł 76.48
Regency FX 4.3585 €0.00 zł 30,509.54 −zł 82.60
TorFx 4.3572 €0.00 zł 30,500.37 −zł 91.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3693 – zł 30,585.04
Key Currency Cheapest 4.3584 €0.00 zł 30,508.57 −zł 76.47
Regency FX 4.3575 €0.00 zł 30,502.46 −zł 82.58
TorFx 4.3562 €0.00 zł 30,493.28 −zł 91.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3693 – zł 30,585.04
Key Currency Cheapest 4.3584 €0.00 zł 30,508.57 −zł 76.47
Regency FX 4.3575 €0.00 zł 30,502.46 −zł 82.58
TorFx 4.3562 €0.00 zł 30,493.28 −zł 91.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3715 – zł 30,600.26
Key Currency Cheapest 4.3605 €0.00 zł 30,523.76 −zł 76.50
Regency FX 4.3597 €0.00 zł 30,517.64 −zł 82.62
TorFx 4.3584 €0.00 zł 30,508.46 −zł 91.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3722 – zł 30,605.16
Key Currency Cheapest 4.3612 €0.00 zł 30,528.65 −zł 76.51
Regency FX 4.3604 €0.00 zł 30,522.53 −zł 82.63
TorFx 4.3590 €0.00 zł 30,513.35 −zł 91.81
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3636 – zł 30,544.96
Key Currency Cheapest 4.3527 €0.00 zł 30,468.60 −zł 76.36
Regency FX 4.3518 €0.00 zł 30,462.49 −zł 82.47
TorFx 4.3505 €0.00 zł 30,453.33 −zł 91.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3631 – zł 30,541.94
Key Currency Cheapest 4.3522 €0.00 zł 30,465.58 −zł 76.36
Regency FX 4.3514 €0.00 zł 30,459.47 −zł 82.47
TorFx 4.3500 €0.00 zł 30,450.31 −zł 91.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.3855 – zł 30,698.47
Key Currency Cheapest 4.3745 €0.00 zł 30,621.73 −zł 76.74
Regency FX 4.3737 €0.00 zł 30,615.59 −zł 82.88
TorFx 4.3723 €0.00 zł 30,606.38 −zł 92.09
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 4.4028 €36.06 zł 30,661.18 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 4.4028 €36.06 zł 30,661.18 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.4060 – zł 30,841.80
Key Currency Cheapest 4.3950 €0.00 zł 30,764.70 −zł 77.10
Regency FX 4.3941 €0.00 zł 30,758.53 −zł 83.27
TorFx 4.3928 €0.00 zł 30,749.28 −zł 92.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.4053 – zł 30,836.82
Key Currency Cheapest 4.3942 €0.00 zł 30,759.73 −zł 77.09
Regency FX 4.3934 €0.00 zł 30,753.56 −zł 83.26
TorFx 4.3920 €0.00 zł 30,744.31 −zł 92.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.4040 – zł 30,827.69
Key Currency Cheapest 4.3929 €0.00 zł 30,750.62 −zł 77.07
Regency FX 4.3921 €0.00 zł 30,744.46 −zł 83.23
TorFx 4.3907 €0.00 zł 30,735.21 −zł 92.48

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 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 EUR 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 Finland.

Right now, Key Currency pays 30,750.62 PLN on 7,000 EUR, which is 77.07 PLN less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 30,764.7 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 62 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

  1. Key CurrencyAppeared in 27 comparisons

    Cheapest every time

  2. Regency FXAppeared in 27 comparisons

    Never the cheapest

  3. TorFxAppeared in 27 comparisons

    Never the cheapest

Based on 62 comparisons across 3 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.

Ways to send money from Finland to Poland

11 companies send money from Finland to Poland, mostly through broker, online, app, multi-currency account, and global account, and a few more ways.

Usually the cheapest

Online transfers

Companies like Xe will get you 30,720.9 PLN on a €7,000 transfer.

In our comparisons over the past month, it was the cheapest online service on 9 of the 28 days it quoted.

If it's the only time you send money to Poland, then it's the best option.

For recurring transfers, an app is a bit more convenient.

For regular transfers

Money transfer apps

For the regular smaller transfer, apps are convenient and cheap.

Xe charges €0 on a €7,000 transfer, and 30,720.9 PLN arrives in minutes - 24 hours.

Over the past month, Xe was the cheapest app on 32% of the days it appeared for €7,000 transfers.

In Poland they can receive money via bank deposit and card deposit.

Moving money between your own accounts

Multi-currency accounts

Companies like Wise let you hold EUR and PLN balances in one account.

You can convert between them any time, and it's cheap.

For example, converting 7,000 EUR to PLN with Wise gets you 30,668.84 PLN (€36.06 in fees and 0% markup).

This is especially useful for travel since you are spending in PLN (no extra fees from Wise, only local ATMs).

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

For freelancers and SMEs

Global accounts

Global accounts are for companies and freelancers making payments to Poland.

Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.

For sending large sums

Currency brokers

Currency brokers are good for sending €10,000+ to Poland. They charge no fees and add a markup on the rate.

Key Currency charges no fee but adds 0.25% markup on top of the EUR/PLN rate.

Our analysis shows Key Currency was the cheapest broker in 100% of the transfers from €2,000 it quoted.

Ways to fund EUR and receive PLN in Poland

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 30,750.62 PLN.

To pay for your transfer in Finland, you have bank transfer, debit card, credit card, iDEAL, debit card, and klarna.

MobilePay and Siirto are useful for payments within Finland, but they do not send money to Poland directly.

For withdrawals in Poland, use bank deposit and card deposit.

Receive PLN

The name should match the account holder's bank record, so double check it before sending.

  1. 1
    Bank transfer Bank deposit

    You pay €7,000.00

    zł30,751

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay €7,000.00

    zł30,721

    -zł30

  3. 3
    Credit card Bank deposit

    You pay €7,000.00

    zł30,721

    -zł30

  4. 4
    iDEAL Bank deposit

    You pay €7,000.00

    zł30,624

    -zł126

  5. 5
    Bank transfer Card deposit

    You pay €7,000.00

    zł29,903

    -zł848

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  1. 6
    Debit card Card deposit

    You pay €7,000.00

    zł29,903

    -zł848

  2. 7
    Klarna Card deposit

    You pay €7,000.00

    zł29,903

    -zł848

What to consider before sending money from Finland to Poland

For a transfer from Finland, compare the PLN received and check whether the payment is a taxable gift rather than ordinary family support.

Compare EUR/PLN transfer options

For a €7,000 transfer to Poland, these are the current cheapest, fastest and easiest options.

Cheapest

Key Currency is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 30,750.62 PLN, which is 0.02% more than the next best option.

Fastest

Revolut delivers 30,446.99 PLN in within minutes when you pay by bank transfer and choose bank deposit.

Sending a gift from Finland can trigger gift tax

If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.

The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.

Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.

Cash sent to the recipient is treated as a normal gift because they can spend it on anything.

Large transfers may take longer

Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.

Keep the invoice, sale document or account statement ready.

SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in Poland.

Safety measures in Finland

An EEA company may be authorised in another country and operate in Finland through passporting.

If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.

Never move money to a so-called safe account or approve an unexpected bank-identification request.

When in doubt, check the company in the FIN-FSA supervised-entities register.

How we analyse the market

Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.

We track 11 of them on EUR to Poland, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.

In the past 30 days alone, we analysed 62 comparisons across 3 amounts.

This page covers the cheapest and fastest options for EUR/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.

Nothing appears without passing our review.

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