Wise is the cheapest overall way to send money from the Philippines to Poland, turning PHP 14,700 into 899.66 PLN at 0.0615 PLN per PHP.
There are 4 companies that send money from the Philippines to Poland, and you can send PHP via in person, online, app, multi-currency account, and global account.
| 4 of 4 providers Last updated on 28 September 2026 | |||
| Based on 14,700 PHP transfer Best companies for PHP/PLN transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee ₱79.60 1 PHP = 0.0615 PLN -0.05% vs mid-market | Recipient gets zł 899.66 Same day | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ₱79.601 PHP = 0.0615 PLN zł 899.66You pay₱14,700.00 | |||
Run a live search Showing top Philippines to Poland deals for 14,700 PHP. 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 PHP 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 PHP you're planning to spend in Poland. | |||
Run a live search These are managed services with real human support for large PHP transfers. Click the link and update the transfer amount to get the best deal. | |||
| Wise Pay via Bank transfer | Fee ₱79.60 1 PHP = 0.0615 PLN -0.05% vs mid-market | Recipient gets zł 899.66 Same day | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer ₱79.601 PHP = 0.0615 PLN zł 899.66You pay₱14,700.00 | |||
| Send Money Between PayPal Accounts  PayPal App (P2P Transfer) Pay via Bank transfer | Fee ₱588.00 1 PHP = 0.0578 PLN +6.00% vs mid-market | Recipient gets zł 815.89 Minutes | |
Ways to receive money in Poland with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ₱588.001 PHP = 0.0578 PLN zł 815.89You pay₱14,700.00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee ₱588.00 1 PHP = 0.0578 PLN +6.00% vs mid-market | Recipient gets zł 815.89 Minutes - 3 days | |
Ways to receive money in Poland with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ₱588.001 PHP = 0.0578 PLN zł 815.89You pay₱14,700.00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee ₱441.00 1 PHP = 0.0572 PLN +7.00% vs mid-market | Recipient gets zł 815.62 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 ₱441.001 PHP = 0.0572 PLN zł 815.62You pay₱14,700.00 | |||
| How Our Results Work Mid-market rate: 1 PHP = 0.0615 PLN Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Wise.
On a 14,700 PHP transfer, Wise delivers the most PLN.
This will change depending on how much you actually send, so I suggest running a live search to get the best PHP/PLN rate.
Use the filters above if your recipient needs cash rather than a bank deposit.
You have 1 ways to pay for the transfer: bank transfer.
Depending on the company, you can use InstaPay which takes seconds to deposit.
Above about a million pesos it goes through PESONet instead, which can take a day.
First time round you'll need a valid ID and your details to match it exactly.
Make sure you do it before you need to send PLN to avoid any delays.
How much PHP you send to Poland heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
| Cheapest service | |||||
|---|---|---|---|---|---|
| ₱14,700This page | -0.05% | ₱79.60 | zł 899.66with bank transfer to bank deposit | +zł 62.89 | |
| ₱20,000 | -0.02% | ₱97.56 | zł 1,224.53with bank transfer to bank deposit | +zł 85.79 | |
| ₱400,000 | 0.27% | ₱0.00 | zł 24,547.54with bank transfer to bank deposit | +zł 6.36 |
Mid-market rate: 1 PHP = 0.0615 PLN
4 companies send money from the Philippines to Poland.
Visa and tuition payments
Online services work well for visa fees, tuition deposits and other payments you need to make before moving abroad.
Wise charges ₱79.6 in fees and 0.01% markup to send 14,700 PHP.
This will get you 899.66 PLN.
Traveling and spending
A multi-currency account is useful if you regularly pay tuition, rent or other bills in Poland, or if you travel to Poland often.
Wise lets you hold PHP and PLN in one account and converts 14,700 PHP with a 0.01% exchange-rate markup and small fee.
For freelancers
Global accounts help Philippine freelancers and businesses make regular payments to Poland.
Payoneer and Wise Business offer international account details, invoicing and batch payments.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₱14,700 gives your recipient 899.66 PLN.
To fund the transfer from the Philippines, use bank transfer.
Fund the PHP side through your bank
Use InstaPay for an eligible smaller payment or PESONet when the company supplies bank details.
Both rails send PHP domestically to the company's account before they send it to Poland.
GCash and Maya are useful for domestic payments and receiving money, but they do not send PLN to a person in Poland.
Your recipient in Poland can receive money with a bank deposit.
You pay ₱14,700.00
zł900
Cheapest
A few things to remember about money transfers from Philippines to Poland.
Cheapest way to send money to Poland
The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 899.66 PLN, which is 9.31% 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 815.89 PLN, with collection available in minutes.
The Philippines charges 6% donor's tax on total taxable gifts above PHP 250,000 in a calendar year.
The donor pays it, even when the person receiving the money lives abroad.
BIR Form 1800 is due within 30 days of the gift.
This does not make every family payment a taxable donation, but a large personal gift should be checked before sending.
The BIR's Form 1800 guidance explains the threshold, rate and filing deadline.
InstaPay, PESONet, Maya, etc. move PHP between Philippine accounts only.
Some companies allow these as funding methods, but neither can be used to send international transfers to Poland.
GCash can be used for international transfers, but it is limited and usually more expensive.
PDIC protects eligible deposits held with a member bank.
It does not protect a transfer after the money has left your bank or a balance held with a non-bank transfer company.
If a BSP-supervised company does not resolve a complaint, you can escalate it through the BSP Online Buddy.
Even a small move in the exchange rate changes how much PLN arrives for your PHP, especially on a larger transfer.
Mid-market rate:1 PHP = 0.061451 PLN
We track 4 BSP-supervised companies sending PHP to Poland, updated in real time on live searches.
Fees, exchange rates and the deposit and payout options are all compared, and nothing appears here without passing our review.
Most pricing comes from the companies themselves. Where we collect it by hand, the table says so.
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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