How to send money to Poland from Nigeria with the best NGN-PLN rate
PayPal App (P2P Transfer) is the overall cheapest way to send money from Nigeria of the 3 options available. It will get you 911.89 PLN from 360,000 NGN transfer.
In Poland, you can withdraw money using bank deposit.
Use our filters below to find the best transfer option for your needs.
| 3 of 3 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze NGN/PLN exchange rates from our comparisons. | |||
| Based on 360,000 NGN transfer Best companies for NGN/PLN transfersAll money transfer offers for NGN/PLN transfers, sorted by most PLN received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
Run a live search Showing top Nigeria to Poland deals for 360,000 NGN. 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 NGN 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 NGN you're planning to spend in Poland. | |||
Run a live search These are managed services with real human support for large NGN transfers. Click the link and update the transfer amount to get the best deal. | |||
| Send Money Between PayPal Accounts PayPal App (P2P Transfer) Pay via Bank transfer | Fee ₦14,400.00 1 NGN = 0.0026 PLN +6.00% vs mid-market | Recipient gets zł 911.89 Minutes | |
Ways to receive money in Poland with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ₦14,400.001 NGN = 0.0026 PLN zł 911.89You pay₦360,000.00 | |||
| Send cash via a MoneyGram agent ![]() MoneyGram Agent Pay via Bank transfer | Fee ₦14,400.00 1 NGN = 0.0026 PLN +6.00% vs mid-market | Recipient gets zł 911.89 Minutes - 3 days | |
Ways to receive money in Poland with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ₦14,400.001 NGN = 0.0026 PLN zł 911.89You pay₦360,000.00 | |||
| Send cash via a Western Union agent ![]() Western Union Agent Pay via Bank transfer | Fee ₦10,800.00 1 NGN = 0.0026 PLN +7.00% vs mid-market | Recipient gets zł 911.59 Minutes - 5 days | |
Ways to receive money in Poland with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days ₦10,800.001 NGN = 0.0026 PLN zł 911.59You pay₦360,000.00 | |||
| How Our Results Work Mid-market rate: 1 NGN = 0.002807 PLN Updates every 60 minutes. | |||
Transfer details
Transfer details
How to send money from Nigeria to Poland
Pick a company
Start with the best service, which is PayPal App (P2P Transfer) at 911.89 PLN for ₦360,000 transfer.
Most of the transfer apps you see advertised only bring money into Nigeria, but companies above can send it out.
Fund your transfer
You have 1 ways to pay, including bank transfer.
A transfer from your banking app is instant and free, and it's how nearly everyone pays.
Verify and send
First time round you'll need your BVN and a photo ID.
Get it done before the day you need to send, since it's the usual reason a first transfer stalls.
Check the rate you're shown against the day's rate before you confirm.
Ways to fund NGN and receive PLN in Poland
With PayPal App (P2P Transfer), paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending ₦360,000 gives your recipient 911.89 PLN.
For paying in NGN, you can use bank transfer.
I suggest funding the NGN side by bank transfer
Use bank transfer to add NGN from your Nigerian account.
NIP moves the money to the specialist within Nigeria, then the specialist handles the cross-border transfer to Poland over internal network.
They can receive PLN using bank deposit.
To receive money as bank deposit (straight to their bank account), enter their bank and account details in Poland.
- 1 Bank transfer Bank deposit
You pay ₦360,000.00
zł912
Cheapest
Things to know before sending NGN to Ghana
Sending money out of Nigeria is an access-to-FX problem first. The cheapest quote only matters if the company can legally accept NGN from a Nigerian resident.
Compare the available NGN/GHS options
Compare the available NGN/GHS options
There are 3 companies available for a ₦360,000 transfer to Poland, so the shortlist is smaller than it is for money coming into Nigeria.
Cheapest way to send money to Poland
The cheapest option is PayPal App (P2P Transfer), funded by bank transfer with bank deposit for the payout. Your recipient gets 911.89 PLN, which is 0% more than the next best option.
Fastest way to send money to Poland
The fastest option is PayPal App (P2P Transfer). Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 911.89 PLN in minutes.
NIP stops at the Nigerian border
NIP stops at the Nigerian border
NIP can move NGN from your bank to the transfer company within Nigeria, but it does not send the money to Poland.
The company still needs an approved cross-border route for the conversion and payout.
For a bank wire, money already held in a domiciliary account is generally easier to document than foreign currency bought informally and deposited as cash.
Check the CBN licence
Check the CBN licence
Use the CBN's licensed institution records and confirm that the service is authorised for money transfers.
Do not send naira to a personal account or an unknown USDT seller because the quoted rate is better.
If the transfer fails, there may be no real way to recover it.
Check the NGN to PLN exchange rate
The NGN/PLN rate affects the final amount received in Poland, so compare the current quote with its recent range.
Mid-market rate:1 NGN = 0.002808 PLN
How we analyse the market
Only companies licensed to send money out of Nigeria make this table, which rules out most of the apps you'll see advertised.
We track 3 of them on NGN to PLN, comparing rates, fees and how the money is paid in and collected. Each goes through our review first.
Rates here move daily, so ours refresh in real time on live searches. More on who we are, why you can trust us and getting started.
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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