Best companies for EUR/PLN transfers
10 of 10 providers Last updated on 28 September 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 = 4.3773 PLN 0.00% vs mid-market	Recipient gets zł 30,482.91 Same day
25 reviews 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 = 4.3773 PLN zł 30,482.91You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 4.4189 PLN -0.95% vs mid-market	Recipient gets zł 30,932.30 Minutes - 24 hours
4 reviews 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 = 4.4189 PLN zł 30,932.30You 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.
Xe Pay via Debit card	Fee €0.00 1 EUR = 4.4189 PLN -0.95% vs mid-market	Recipient gets zł 30,932.30 Minutes - 24 hours
4 reviews Cheapest 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 = 4.4189 PLN zł 30,932.30You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 4.4189 PLN -0.95% vs mid-market	Recipient gets zł 30,932.30 Minutes - 24 hours
4 reviews 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 = 4.4189 PLN zł 30,932.30You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 4.4189 PLN -0.95% vs mid-market	Recipient gets zł 30,932.30 Minutes - 24 hours
4 reviews 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 = 4.4189 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 = 4.3662 PLN +0.25% vs mid-market	Recipient gets zł 30,563.30 Minutes - 3 days
4 reviews 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 = 4.3662 PLN zł 30,563.30You pay€7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 4.3653 PLN +0.27% vs mid-market	Recipient gets zł 30,557.18 Minutes - 24 hours
9 reviews 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 = 4.3653 PLN zł 30,557.18You pay€7,000.00
TorFx Pay via Bank transfer	Fee €0.00 1 EUR = 4.3640 PLN +0.30% vs mid-market	Recipient gets zł 30,547.98 Minutes - 24 hours
2 reviews Fastest 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 = 4.3640 PLN zł 30,547.98You pay€7,000.00
OFX Pay via Bank transfer	Fee €0.00 1 EUR = 4.3552 PLN +0.50% vs mid-market	Recipient gets zł 30,486.70 Minutes - 24 hours
7 reviews 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 = 4.3552 PLN zł 30,486.70You pay€7,000.00
Wise Pay via Bank transfer	Fee €36.06 1 EUR = 4.3773 PLN 0.00% vs mid-market	Recipient gets zł 30,482.91 Same day
25 reviews 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 = 4.3773 PLN zł 30,482.91You pay€7,000.00
Currencies Direct Pay via Bank transfer	Fee €0.00 1 EUR = 4.3519 PLN +0.58% vs mid-market	Recipient gets zł 30,463.30 Minutes - 24 hours
3 reviews 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 = 4.3519 PLN zł 30,463.30You pay€7,000.00
Wise Pay via iDEAL/WERO	Fee €46.20 1 EUR = 4.3773 PLN 0.00% vs mid-market	Recipient gets zł 30,438.52 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
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 = 4.3773 PLN zł 30,438.52You pay€7,000.00
CurrencyFair Pay via Bank transfer	Fee €2.28 1 EUR = 4.3470 PLN +0.69% vs mid-market	Recipient gets zł 30,419.00 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in Poland with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €2.281 EUR = 4.3470 PLN zł 30,419.00You pay€7,000.00
Wise Pay via Debit card	Fee €91.06 1 EUR = 4.3773 PLN 0.00% vs mid-market	Recipient gets zł 30,242.16 Same day
25 reviews 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 = 4.3773 PLN zł 30,242.16You pay€7,000.00
Moneycorp Pay via Bank transfer	Fee €0.00 1 EUR = 4.3158 PLN +1.40% vs mid-market	Recipient gets zł 30,210.94 Minutes - 2 days
0 reviews
Ways to receive money in Poland with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 4.3158 PLN zł 30,210.94You pay€7,000.00
Wise Pay via Credit card	Fee €133.08 1 EUR = 4.3773 PLN 0.00% vs mid-market	Recipient gets zł 30,058.23 Same day
25 reviews 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 = 4.3773 PLN zł 30,058.23You pay€7,000.00
Profee Pay via Debit card	Fee €0.00 1 EUR = 4.2436 PLN +3.10% vs mid-market	Recipient gets zł 29,705.14 Minutes - 24 hours
7 reviews 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 = 4.2436 PLN zł 29,705.14You pay€7,000.00

Profee Pay via Bank transfer	Fee €0.00 1 EUR = 4.2436 PLN +3.10% vs mid-market	Recipient gets zł 29,705.14 Minutes - 24 hours
7 reviews 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 = 4.2436 PLN zł 29,705.14You pay€7,000.00
Profee Pay via Klarna	Fee €0.00 1 EUR = 4.2436 PLN +3.10% vs mid-market	Recipient gets zł 29,705.14 Minutes - 24 hours
7 reviews 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 = 4.2436 PLN zł 29,705.14You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 4.3771 PLN Updates every 60 minutes.

Why compare

EUR/PLN exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Finland to Poland

Pick a company

For a one-off transfer to Poland, start with Xe.

On a 7,000 EUR transfer, Xe 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

10 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 30,932.3 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.

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 30,932.3 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 30,482.91 PLN (€36.06 in fees and 0% 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.

Xe charges no fee but adds -0.95% markup on top of the EUR/PLN rate.

Ways to fund EUR and receive PLN in Poland

With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 30,932.3 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

Debit card Bank deposit

You pay €7,000.00

zł30,932

Cheapest
2

Bank transfer Bank deposit

You pay €7,000.00

zł30,932

zł0
3

Credit card Bank deposit

You pay €7,000.00

zł30,932

zł0
4

Ideal Bank deposit

You pay €7,000.00

zł30,439

-zł494
5

Bank transfer Card deposit

You pay €7,000.00

zł29,705

-zł1,227

Show moreShow less

6

Debit card Card deposit

You pay €7,000.00

zł29,705

-zł1,227
7

Klarna Card deposit

You pay €7,000.00

zł29,705

-zł1,227

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

Xe is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 30,932.3 PLN, which is 1.19% more than the next best option.

Fastest

Xe delivers 30,932.3 PLN in minutes - 24 hours when you pay by debit card 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.

Live EUR-PLN Exchange Rate

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 = 4.369347 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 10 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.

Send money from Finland

Send money to Poland

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

Best companies for EUR/PLN transfers