Usually the cheapest
Online transfers
Companies like Xe will get you 30,157.4 PLN on €7,000 transfer.
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.
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.
| 11 of 11 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 = 4.3210 PLN -0.01% vs mid-market | Recipient gets zł 30,091.18 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 = 4.3210 PLN zł 30,091.18You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 4.3082 PLN +0.29% 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 Finland 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 = 4.3098 PLN +0.25% vs mid-market | Recipient gets zł 30,168.67 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 = 4.3098 PLN zł 30,168.67You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 4.3089 PLN +0.27% vs mid-market | Recipient gets zł 30,162.62 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 = 4.3089 PLN zł 30,162.62You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 4.3082 PLN +0.29% 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 +0.29% 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 +0.29% 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 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 4.3076 PLN +0.30% vs mid-market | Recipient gets zł 30,153.54 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 = 4.3076 PLN zł 30,153.54You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 4.2990 PLN +0.50% vs mid-market | Recipient gets zł 30,093.06 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 = 4.2990 PLN zł 30,093.06You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €36.06 1 EUR = 4.3210 PLN -0.01% vs mid-market | Recipient gets zł 30,091.18 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 = 4.3210 PLN zł 30,091.18You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 4.2959 PLN +0.57% vs mid-market | Recipient gets zł 30,071.30 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 = 4.2959 PLN zł 30,071.30You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €46.20 1 EUR = 4.3210 PLN -0.01% vs mid-market | Recipient gets zł 30,047.37 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 = 4.3210 PLN zł 30,047.37You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €2.31 1 EUR = 4.2920 PLN +0.66% vs mid-market | Recipient gets zł 30,034.00 Minutes - 24 hours | |
Ways to receive money in Poland with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €2.311 EUR = 4.2920 PLN zł 30,034.00You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 4.3109 PLN +0.23% vs mid-market | Recipient gets zł 29,872.61 Within minutes | |
Ways to receive money in Poland with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 4.3109 PLN zł 29,872.61You 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 = 4.3210 PLN -0.01% vs mid-market | Recipient gets zł 29,853.53 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 = 4.3210 PLN zł 29,853.53You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 4.2601 PLN +1.40% vs mid-market | Recipient gets zł 29,820.86 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 = 4.2601 PLN zł 29,820.86You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €109.00 1 EUR = 4.3109 PLN +0.23% vs mid-market | Recipient gets zł 29,706.64 Within minutes | |
Ways to receive money in Poland with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €109.001 EUR = 4.3109 PLN zł 29,706.64You 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 = 4.3210 PLN -0.01% vs mid-market | Recipient gets zł 29,671.96 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 = 4.3210 PLN zł 29,671.96You pay€7,000.00 | |||
 Profee Pay via Debit card | Fee €0.00 1 EUR = 4.1913 PLN +3.04% vs mid-market | Recipient gets zł 29,339.30 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 = 4.1913 PLN zł 29,339.30You pay€7,000.00 | |||
| Profee Pay via Bank transfer | Fee €0.00 1 EUR = 4.1913 PLN +3.04% vs mid-market | Recipient gets zł 29,339.30 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 = 4.1913 PLN zł 29,339.30You pay€7,000.00 | |||
| Profee Pay via Klarna | Fee €0.00 1 EUR = 4.1913 PLN +3.04% vs mid-market | Recipient gets zł 29,339.30 Minutes - 24 hours | |
Ways to receive money in Poland with Profee when paying by klarna. MethodFee & ratesRecipient gets Card depositMinutes - 24 hours Free1 EUR = 4.1913 PLN zł 29,339.30You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 4.320611 PLN Updates every 60 minutes. | |||
Transfer details
Transfer details
How to send money from Finland to Poland
Pick a company
For a one-off transfer to Poland, start with Key Currency.
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 a few minutes to a few hours.
If your transfer is urgent, make sure to get it done beforehand to avoid any delays.
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.
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 30,157.4 PLN arrives in minutes - 24 hours.
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 30,091.18 PLN (€36.06 in fees and -0.01% markup).
This is especially useful travel since you are spending in PLN (no extra fees from Wise, only local ATMs).
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.
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 30,168.67 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 Bank transfer Bank deposit
You pay €7,000.00
zł30,169
Cheapest
- 2 Debit card Bank deposit
You pay €7,000.00
zł30,157
-zł11
- 3 Credit card Bank deposit
You pay €7,000.00
zł30,157
-zł11
- 4 Ideal Bank deposit
You pay €7,000.00
zł30,047
-zł121
- 5 Bank transfer Card deposit
You pay €7,000.00
zł29,339
-zł829
Show moreShow less
- 6 Debit card Card deposit
You pay €7,000.00
zł29,339
-zł829
- 7 Klarna Card deposit
You pay €7,000.00
zł29,339
-zł829
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
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 30,168.67 PLN, which is 0.02% more than the next best option.
Fastest
Revolut delivers 29,872.61 PLN in within minutes when you pay by bank transfer and choose bank deposit.
Sending a gift from Finland can trigger gift tax
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
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
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.
Finding the best rate to send money from Finland to Poland
The exchange rate has a direct impact on how much PLN your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.
Mid-market rate:1 EUR = 4.315936 PLN
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.
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.
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