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

Comparing money transfer companies with services between Italy and Poland, based on your specific transfer amount and transfer needs, is the best way to send money at the best price.

Right now, for EUR/PLN

• Of the 11 money transfer providers we tested and reviewed, Wise was a standout option for its combination of speed and cost. Sending 7,000 EUR to PLN will cost you €36.06 in fees, and you will receive 30,021.55 PLN.

• Key Currency offers the lowest cost transfers of the 11 providers we compared. Key Currency offers this through a combination of 0 EUR fee per transfer and exchange rate between EUR-PLN that is 0.25% different to the mid-market rate.

• Fastest way to send money to Poland from Italy is with Revolut. If you send 7,000 EUR with Revolut to Poland now, the transfer time is within minutes. Smaller transfers will likely be quicker, while larger transfers to Poland can take slightly longer.

We’ve compared 11 providers providing services between Italy and Poland. This ensures you will get the best options when sending Zloty to Poland.

Over the last 7 days, we’ve picked Wise as the best overall provider. However, comparing based on the amount you want to send to Poland will provide a specific provider that’s best for transferring money from Italy.

The exchange rate is the price you will pay when buying Zloty in Italy. A better exchange rate means you send more Zlotys to Poland.

Currently, the mid-market rate between the Euro and Zloty is 4.3368. Exchange rates between EUR-PLN change almost constantly.

The cost of sending money from Poland to Poland, is made-up of a combination of fees and exchange rates:

• The Mid-Market and Exchange Rates: The mid-market rate determines a mid-price for buying currency. The current mid-market rate from EUR-PLN is 4.3368 PLN per Euro.

• Fees: Outside of exchange rates, you may need to pay a fee to send. Key Currency currently offers the lowest fees on transfers to Poland from Italy, costing 0 EUR per transfer. Although this does include large transfers as well, we recommend searching for your exact send amount for an exact fee.

• Amount Received: The amount received in Zloty is the amount you started with, minus the amount you paid in the exchange and fees.

Waiting a day or two can help you get more PLN for the same amount of Euros, but you may also end up paying more if you do wait.

A better option is to use a forward contract. This allows you to lock in an agreed exchange rate for transfers between Italy and Poland for a set amount of time, this can be up to two years in some cases.

Sending through a money transfer company via a bank transfer will most often be the way to get the best price when sending money from Italy to Poland.

Here are all the ways to send money from Italy to Poland:

Bank transfers

Bank transfers are often the better option for money transfers from Italy to Poland.

Sending money via a bank transfer with a company such as Key Currency for transfers from Italy to Poland allows you to benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


Debit and prepaid cards

Sending money from Italy to Poland with a prepaid or a debit card is very simple with Wise.


Wise is a leader in card payments for transfers from Italy to Poland, competing among a total of 11 active money transfer companies on this route.

Credit cards

When it comes to international credit card transfers from Italy to Poland, we recommend comparing your options to get the best deal.

Beware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. Where possible, we recommend a bank transfer or debit card payment instead.

and have different regulators for financial transactions and ensuring you fully understand these regulations will aid in keeping your money safe.

Our directory of worldwide financial regulators has regulation details for money transfers between Italy and Poland.

Money transfer companies offering services between Italy and Poland have minimum or maximum thresholds on how much you can send or receive. These can be daily, weekly or monthly.

In particular, rates and fees for sending different amounts of Euro could change. We always recommend comparing EUR-PLN rates for your specific transfer amount. Then, with transfers to Poland, shopping around each time can make a huge difference - as some providers offer introductory rates.

If you’re worried about transfer limits, for sending large amounts of EUR to Poland, we’d recommend Wise.

There are different options for receiving Zloty in Poland. The most popular are direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account. Not all providers offering transfers from Italy to Poland will offer every method for incoming Zloty, so it’s best to check ahead of time.

Sending directly to a bank account is one of the most common ways to send money from Italy into Poland. For most part, this is because it means the recipient has to do very little. Wise is the best company for bank transfers between Italy and Poland.

And if you need cash right away, check if cash pickup is an option for transfers between Italy and Poland.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Key Currency.

You will need to verify your ID at the sign up stage when sending from Italy to Poland through a money transfer company.

Documents needed will vary and in some cases you might need a couple of different forms of ID.

ID can be verified in Italy through a government issued ID such as a passport or driver's license. If the recipient needs ID to collect money in Poland, both of these will also likely be accepted. Depending on the company you are using and where the money is going in Poland, it’s always best to check ahead just in case.

Larger transactions between Italy and Poland are likely to be subject to additional checks such as proof of funds for anti-money laundering purposes. This could slow down the process of sending money if you’re not prepared for them.

One of the reasons Wise scored so highly for large and regular transfers to Poland, was their easy sign up process in Italy.

When sending money between Italy and Poland there will be tax declarations to consider.

Some transfers into Zloty may need to be reported to tax authorities in Poland. This is of particular note where inheritance or property purchases are involved.

Personal allowances and tax limits will change in Poland based on age, income and personal circumstance. When in doubt, please contact a tax professional in Italy or Poland to discuss your individual needs. This will ensure you are not missing any specific tax obligations associated with your transfer.