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

Comparing providers offering services between Finland and Poland based on your specific transfer amount, is the easiest way to get the best price on your transfer.

Right now, these are your best options for sending money from Finland to Poland

• Wise scored the highest of the 11 money transfer companies supporting EUR to PLN transfers. For example, sending 7,000 EUR to PLN will cost you €36.06 in fees, and the recipient will get 30,031.99 PLN. The delivery time is next day.

• The cheapest option is Key Currency. Our data shows, over the past week, that Key Currency is 0.02% than the second-best option when sending via a bank transfer. This includes a fee of 0 EUR and a EUR-PLN exchange rates.

• Fastest money transfers to Poland from Finland is with Revolut. Right now, if you send €7,000 with Revolut to Poland, the transfer time is within minutes. When sending money from Finland to Poland, Revolut has a fee of 70.5 EUR. Although we would recommend comparing the amount you want to send.

We cover the entire EUR-PLN market and have compared 11 providers offering services between Finland and Poland.

This ensures you will get the most comprehensive options for sending Euro to Poland.

Whilst we rate Wise as the best overall for transfers between the two countries, comparing gives you the best idea for your specific Finland to Poland transfer needs.

The exchange rate determines the price you will pay when buying Zloty in Finland. A better exchange rate means more Euros being sent to Poland.

The current rate between the Euro and Zloty is 4.3363.

The total cost of money transfers to Poland from Finland, 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 4.3363 PLN per Euro.

• Fees: Some money transfers between Finland and Poland will be subject to fees. 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.

A safer option if you want to get a particular rate is to use a forward contract, especially for large Euro transfers to Poland. This allows you to lock in an agreed exchange rate between Finland and Poland.

Sending via a bank transfer is the payment method that will get you the best price on a transfer from Finland to Poland.

Here are all the ways to fund your transfer:

Bank transfer

Bank transfers are often the best and easier way to send money from Finland to Poland.

By using a money transfer company such as Key Currency for transfers from Finland to Poland, you can send money via a bank transfer and benefit from lower fees and more favorable exchange rates than would be offered by a bank. 


Debit and prepaid cards

Sending money from Finland to Poland with a debit or a prepaid card is easy with Wise.


Wise is a leading money transfer company for debit card payments, and offers transfers from Finland to Poland.

Credit cards

When it comes to sending money with a credit card from Finland to Poland, it can get very expensive very quickly due to additional fees.

We recommend sticking to bank transfers or debit card deposits, but if you have to, run a quick comparison to find the right money transfer company that offers credit card deposits.

Companies offering money transfers between Finland and Poland will have minimum or maximum thresholds on how much you can send or receive across set timeframes.

Exchange rates and fees for different transfer amounts could change and sending regularly could mean losing out.

That’s why it’s best to compare EUR-PLN rates for your specific transfer amount.

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

For sending large amounts of EUR to Poland without hitting a threshold, we’d recommended Wise. They offer a combination of rates and fees when sending from Finland to Poland that is the most competitive, even at larger amounts.

Be sure to check with the recipient and understand any declarations needed on large amounts of money entering Poland from Finland.

Options for receiving Zloty in Poland include direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.

Not all of the 11 providers offering transfers from Finland to Poland will support every method for incoming Zloty, so it’s best to check ahead of time.

The most common option is to send directly from Finland to a bank account in Poland. 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 Finland and Poland.

Cash pickup is popular in some parts of Poland, but not always supported and can be costly compared to cheaper options.

Mobile wallet or P2P services and payment apps like PayPal, Xoom, and CashApp are popular because of convenience, but they come with more limitations and higher costs compared to money transfer providers like Revolut.

When sending Zlotys to Poland, through a money transfer company, you will need to verify your ID when signing up.

The documents you need can vary and in some cases you might need a couple of options.

Generally, government issued ID such as a passport or driver's license are accepted in Finland. If the recipient needs an ID to collect money in Poland, the same applies there. You may also be able use other ID formats, where these aren’t available.

Large transactions between Finland and Poland can be subject to additional checks such as proof of funds for anti-money laundering purposes. This may also require additional ID checks.

One of the reasons Wise as scored so highly for transfers to Poland is their easy sign up process in Finland.

As well as proof of funds, when sending large amounts of money between Finland and Poland there will be tax declarations to consider. This is also potentially due to regular transactions.

Some transfers into Zloty may need to be reported to tax authorities in Poland and Finland, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances do change in Poland based on age, income and a few other elements. Everyone’s tax obligations are unique - when in doubt, please contact a tax professional in Finland or Poland.