The Best International Money Transfer Apps in Poland in 2026

Table of Contents

Last updated on October 16th, 2026Why trust usDisclosure

Table of Contents

For money going to a Ukrainian bank account, I suggest considering TransferGo when you want to fund the payment with BLIK.

InternetowyKantor.pl adds local currency exchange and rate alerts, while Revolut suits overseas payments beside everyday card spending.

Wise lets you retain foreign income for later bank payments, and Profee can pay an eligible overseas card instead of requiring a bank-account transfer.

At a glance

BLIK-funded Ukrainian bank payments: TransferGo.
Local currency exchange with rate alerts: InternetowyKantor.pl.
PLN banking beside travel balances: Revolut.
Foreign income and bank payments from balances: Wise.
Payments to eligible overseas cards: Profee.
Family delivery choices and repeat recipients: Remitly.
Mobile orders with cash funding or collection: Western Union.
A larger bank payment with account support: Currencies Direct.

Which app should you use to send money abroad?

Choose the recipient route alongside BLIK, bank or card funding, then check the exchange cost at your payment amount.

BLIK-funded Ukrainian bank payments

8.4

TransferGo

Fees

None

Exchange Rate Markup

0.3% - 1.1%

Transfer Speed

Minutes - 24 hours

"Instant transfers to Visa & MasterCard. Over 35,000 reviews on TrustPilot."

Local currency exchange with rate alerts

InternetowyKantor.pl

Fees

Exchange Rate Markup

Transfer Speed

PLN banking beside travel balances

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

"Revolut has 70+ million customers globally. You can hold up to 25+ currencies in the app and send money quickly in 25+ currencies to 140+ countries."

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.

Foreign income and bank payments from balances

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

Transfer Speed

Minutes - 24 hours

"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Payments to eligible overseas cards

8.1

Profee

Fees

None

Exchange Rate Markup

1.4% - 2.1%

Transfer Speed

Minutes - 24 hours

"Card-to-card transfers can be received in just two minutes."

Family delivery choices and repeat recipients

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Transfer Speed

Minutes - 3 days

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Mobile orders with cash funding or collection

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Larger bank payments with account support

8.9

Currencies Direct

Fees

None

Exchange Rate Markup

0.2% - 2%

Transfer Speed

Minutes - 24 hours

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

TransferGo

TransferGo turns BLIK funding into a Ukrainian bank payment


Available on	iOS and Android
App store rating	4.8/5 (4.5k+ ratings)
Google play rating	4.5/5 (46k+ reviews)

TransferGo lets you fund a supported payment with BLIK, approve it through your Polish bank and follow the overseas order in the app.

I think that route is worth considering for a Ukrainian bank recipient when you want familiar local funding without entering a card for each remittance.

You add the recipient, select the delivery option and review the final amount before authorising the funding payment.

Saved recipients and transaction records help with repeat family transfers, while the app keeps the estimated arrival beside the order.

BLIK funding is different from a domestic phone-number payment, because TransferGo handles the foreign recipient and conversion after approval.

PayByBank and accepted card methods provide other funding routes, with availability and cost shown for the actual order.

TransferGo has no sending fee for supported BLIK-funded payments to Ukrainian banks, but the quoted exchange rate still determines how many hryvnias arrive.

Your funding bank can have its own BLIK charge, and a different destination or delivery option can have different sending costs.

I'd say compare the hryvnias received with another Ukrainian bank-payment quote, because the exchange rate can outweigh a waived sending fee.

TransferGo is worth it	Find an alternative
Fund a supported Ukrainian bank payment with BLIK	The required recipient route is unavailable
Reuse recipient details for family transfers	A different quote delivers more for your budget
Choose and track the delivery option on your phone	You need cash collection rather than the selected bank route

InternetowyKantor.pl

InternetowyKantor.pl combines local exchange with mobile rate alerts


Available on	iOS and Android
App store rating	4.9/5 (3.6k+ ratings)
Google play rating	4.8/5 (11k+ reviews)

InternetowyKantor.pl lets you exchange złoty and pay your own or another person's eligible foreign bank account through its mobile service.

I like its rate alerts when the payment can wait, because you can follow a currency before approving the exchange on your phone.

The app includes transaction records and mobile authorisation, so exchange and foreign payout remain together rather than split between a browser and banking messages.

You fund through the available instructions, choose the currency and recipient, then confirm the exchange and bank payout.

The current contract includes enabled BLIK funding at PLN0.99, with the offered bank and card methods shown for the order.

Currency One operates the service as a Polish payment institution supervised by KNF, with authorisation and transaction records in the app.

It is a bank-payout service, so I suggest considering Remitly or Western Union when the recipient needs cash instead.

Its conversion rate includes the exchange margin, while bank payouts have their own applicable allowance, currency and payment-route costs.

Eligible payouts include five free transfers per calendar month, with an extra free transfer for each full PLN2,500 exchanged, then a PLN1 charge.

The applicable rate-acceptance payout mode has a separate zero own payout-fee rule, so check the order type rather than assume every foreign wire is free.

Non-SEPA wires and intermediary charges can add costs, which can outweigh the convenience of keeping exchange and payout in one Polish service.

InternetowyKantor.pl is worth it	Find an alternative
Follow a currency with mobile rate alerts	Your recipient needs cash or a mobile wallet
Exchange złoty and pay an eligible foreign bank account	The foreign-wire cost exceeds another supported quote
Authorise the exchange and keep its records together	You need everyday card spending from foreign balances

Revolut

Revolut puts overseas payments beside PLN banking and travel balances


Available on	iOS and Android
App store rating	4.9/5 (210k+ ratings)
Google play rating	4.8/5 (4.1m+ reviews)

Revolut combines your local account functions with supported foreign balances, card controls and international bank recipients in one app.

I suggest considering it when travel spending and repeat overseas bills belong beside your everyday payments, rather than opening another transfer-only account.

You can convert into a supported balance and retain it for later payments, with the app showing the relevant allowance and charges before confirmation.

That makes it a multi-currency account in Poland option for spending and sending, with receiving details depending on the currency.

Bank funding and accepted cards provide local payment routes, while commercial or non-EEA card funding can add a charge.

Standard has no monthly subscription, with a PLN5,000 monthly exchange allowance and a one-percent fee on the excess.

A separate one-percent weekend exchange charge applies on Standard, so the timing changes the cost even below the monthly allowance.

Revolut does not charge for eligible euro SEPA or Revolut-to-Revolut payments, while other international routes can add transfer fees.

I'd say use the allowance around your total monthly conversion, rather than assume a small transfer is free after earlier travel spending.

The PLN5,000 and PLN20,000 examples show Revolut’s transfer fee, conversion margin and recipient amount, helping you assess the cost at each payment size.

PLN

Currency pair	They get (after fees)	Transfer fees	FX Rate	Markup	Delivery time	Cheapest payment method
PLN / EUR	€1,139.06	0,00 zł	0.2278	0.48%	Within minutes	Bank transfer
PLN / GBP	961,80 £	10,00 zł	0.1927	0.23%	Within minutes	Bank transfer
PLN / GEL	3.297,52 ₾	7,50 zł	0.6605	0.78%	Within minutes	Bank transfer
PLN / INR	121.438,99 ₹	7,50 zł	24.3243	0.36%	Within minutes	Bank transfer
PLN / PHP	80.470,12 ₱	7,50 zł	16.1182	0.49%	Within minutes	Bank transfer
PLN / TRY	63.121,68 ₺	15,00 zł	12.6623	0.46%	Within minutes	Bank transfer
PLN / UAH	56.951,85 ₴	0,00 zł	11.3904	1.14%	Within minutes	Bank transfer
PLN / USD	1.276,98 $	7,50 zł	0.2558	0.41%	Within a week	Bank transfer

Last updated at 16/10/2026

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Revolut is worth it	Find an alternative
Manage PLN banking beside foreign balances	Your Standard conversion exceeds the monthly allowance
Use card controls and matching-currency travel spending	You need ordinary cash collection
Keep international contacts and bank payments together	A transfer-only service gives a better total quote

Wise

Wise lets you keep foreign income ready for the next bank payment


Available on	iOS and Android
App store rating	4.7/5 (6.6k+ ratings)
Google play rating	4.7/5 (2m+ reviews)

Wise gives you supported foreign receiving details and balances, with bank recipients and card management accessible through the same app.

I think it is worth considering when you receive foreign income and expect another payment in that currency, because retaining the balance avoids an unnecessary conversion through złoty.

You can send from an available balance or fund the order through the offered bank or card method, with lower limits applying to some card payments.

PLN bank funding must come through an eligible bank in Poland, without a cash deposit or an assumed international SWIFT pay-in.

The app keeps your recipients and payment status together, while the recipient receives through a supported bank route without needing Wise.

Supported balances can also fund card spending, making the account useful beyond a single overseas order.

There is no ordinary monthly account subscription, while the card, ATM use and certain incoming wire routes can have separate charges.

The physical card costs PLN35, with ATM withdrawals free up to PLN1,000 monthly and a 2.69-percent charge on the excess.

Currency conversion uses the mid-market rate with a separate fee, so no subscription does not mean free transfers.

Funding and conversion can take working days before the foreign bank payment completes, so I'd say check the actual arrival estimate for an urgent bill.

Wise’s fee and foreign recipient amount at PLN5,000 and PLN20,000 show the conversion cost when you fund these payments in złoty.

PLN

Currency pair	They get (after fees)	Transfer fees	FX Rate	Markup	Delivery time	Cheapest payment method
PLN / EUR	€1,136.69	34,06 zł	0.2289	0.00%	Same day	Bank transfer
PLN / GBP	958,73 £	36,16 zł	0.1931	0.02%	Within an hour	Bank transfer
PLN / GEL	3.275,87 ₾	89,45 zł	0.6671	-0.21%	Within 3 hours	Bank transfer
PLN / INR	121.107,85 ₹	40,73 zł	24.4205	-0.04%	Within an hour	Bank transfer
PLN / PHP	80.277,29 ₱	44,00 zł	16.1980	0.00%	Within a week	Bank transfer
PLN / TRY	63.089,06 ₺	40,87 zł	12.7218	-0.01%	Within 3 hours	Bank transfer
PLN / USD	1.274,40 $	38,26 zł	0.2568	0.02%	Same day	Bank transfer

Last updated at 16/10/2026

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Wise is worth it	Find an alternative
Receive and retain supported foreign income	Your recipient needs cash collection
Pay an overseas bank from an available balance	You need to fund PLN from an overseas bank
Manage card spending beside transfer records	An urgent first payment cannot allow for verification

Profee

Profee pays eligible overseas cards from a mobile order


Available on	iOS and Android
App store rating	4.8/5 (2k+ ratings)
Google play rating	4.8/5 (16k+ reviews)

Profee lets you send to an eligible recipient card on supported routes, including card delivery to Ukraine.

I suggest considering it when the recipient can receive through that card and entering a separate foreign bank account adds unnecessary work.

You enter the recipient and card details, select an available funding method and review the foreign amount before authorising the order.

BLIK, accepted own-name cards and supported Apple Pay or Google Pay can fund the transfer, with the selected route determining the offered methods.

The recipient does not need a Profee account, and saved payment details help when you send to the same person again.

It does not replace an ordinary foreign receiving account or everyday multi-currency card, so I'd say use it around the recipient's card payout.

Sending fees and the exchange-rate margin depend on the actual order, with a promotional first-transfer price separate from repeat costs.

A card issuer can add its own funding charge, so the cheapest app quote still needs to fit the card you intend to use.

The selected international quotes show Profee’s fee and exchange margin at PLN5,000 and PLN20,000, alongside the foreign amount received.

PLN

Currency pair	They get (after fees)	FX Rate	Markup	Delivery time	Cheapest payment method
PLN / EUR	€1,126.98	0.2254	1.53%	Minutes - 24 hours	Debit card
PLN / INR	122.796,65 ₹	24.5593	-0.60%	Minutes - 24 hours	Debit card
PLN / UAH	57.044,06 ₴	11.4088	0.98%	Minutes - 24 hours	Debit card

Last updated at 16/10/2026

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Profee is worth it	Find an alternative
Pay a supported overseas recipient card	The recipient card cannot receive on your route
Save details for repeat card payments	You need foreign income accounts or card spending
Fund through an accepted own-name payment method	A bank payout offers a better final amount

Remitly

Remitly keeps family delivery choices beside saved recipients


Available on	iOS and Android
App store rating	4.8/5 (8.3k+ ratings)
Google play rating	4.8/5 (1.6m+ reviews)

Remitly lets you choose a supported bank deposit, cash collection or mobile-wallet payout before entering the family recipient's details.

I suggest considering it when the receiving method changes from one family payment to another, rather than requiring everyone to receive through a bank.

The app saves recipients and tracks each order, with status notifications reducing the need to pass a new confirmation through messages.

Polish funding options include an eligible own-name bank account, debit or credit card, Apple Pay and Google Pay where offered.

The recipient does not need a Remitly account, but cash collection still needs the correct name, identification and available outlet.

An arrival estimate follows the chosen funding and payout, so I'd say use the actual order's timing for an urgent remittance.

There is no required paid banking plan for ordinary sending, while the fee and exchange-rate margin depend on the route and methods.

First-transfer promotions are separate from the repeat quote, and your card issuer can add funding costs outside the remittance charge.

The PLN5,000 and PLN20,000 results show Remitly’s delivered amount after its quoted fee and exchange margin on these selected destinations.

PLN

Currency pair	They get (after fees)	FX Rate	Markup	Delivery time	Cheapest payment method
PLN / EUR	€1,120.00	0.2240	2.16%	Within an hour	Debit card
PLN / GBP	969,50 £	0.1939	-0.39%	Within minutes	Debit card
PLN / GEL	3.266,50 ₾	0.6533	1.88%	Within minutes	Debit card
PLN / INR	121.550,00 ₹	24.3100	0.42%	Within a week	Debit card
PLN / PHP	81.100,00 ₱	16.2200	-0.14%	Within minutes	Debit card
PLN / TRY	63.764,00 ₺	12.7528	-0.25%	Within minutes	Debit card
PLN / UAH	55.550,00 ₴	11.1100	3.64%	Within minutes	Debit card
PLN / USD	1.258,00 $	0.2516	2.07%	Within minutes	Debit card

Last updated at 16/10/2026

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Remitly is worth it	Find an alternative
Choose a supported bank, cash or wallet recipient	You need ordinary foreign income accounts
Reuse family recipients and follow status notifications	The destination lacks your required receiving method
Fund through an eligible bank, card or mobile payment	Repeat pricing delivers less than another available quote

Western Union

Western Union keeps cash access beside mobile payment records


Available on	iOS and Android
App store rating	4.7/5 (1.6k+ ratings)
Google play rating	4.6/5 (3.8k+ reviews)

Western Union lets you prepare an overseas order in its Polish app, then pay cash at a participating agent.

I think that flow is worth considering when you need cash funding, while recipient cash collection is a separate option on supported destinations.

The app includes fingerprint login, card scanning and contacts import, with saved repeat recipients and transfer tracking.

A collection notification and payment reference help you pass the right information to the recipient after the order is funded.

Accepted card funding provides a remote alternative to the agent visit, with bank, wallet or card delivery offered on the appropriate receiving route.

I'd say select the recipient method before comparing the quote, because a bank-payment price does not establish the cost of a cash-funded order.

Sending fees and exchange margins depend on the route and channel, with card-issuer charges potentially adding to card funding.

The app is free to download, but online and agent prices can differ, so repeating an old quote is not a reliable cost check.

Western Union is worth it	Find an alternative
Start on your phone and fund with agent cash	A bank-only quote gives a better final amount
Track a supported cash-collection payment	The recipient cannot access the chosen outlet
Reuse recipients and scan an accepted funding card	You need foreign receiving details or retained balances

Currencies Direct

Currencies Direct adds account support to a larger mobile bank payment


Available on	iOS and Android
App store rating	5.0/5 (4 ratings)
Google play rating	Not displayed

Currencies Direct lets you check rates, add bank recipients and track a supported PLN-origin payment through its transfer app.

I suggest considering it for a planned larger payment when discussing documents or funding with an account manager helps you complete the order.

The app keeps the recipient and transfer records beside supported currency wallets, with PLN available through its online and app service.

You complete verification and fund using the supplied bank instructions, rather than assume BLIK or Polish debit-card loading is included.

That wallet supports transfer activity, but I would not treat it as a substitute for everyday foreign-income receiving and card spending.

Currencies Direct has no transfer fee for ordinary personal payments, with its exchange-rate margin covering the service cost.

Your bank or an intermediary can add a separate charge, so I'd say judge the accepted rate and delivered amount for the full payment.

Account support can help with the process, but it does not establish a cheaper rate than every self-service app.

At PLN5,000 and PLN20,000, Currencies Direct’s rate and recipient amount show the conversion cost even when there is no sending fee.

PLN

Currency pair	They get (after fees)	FX Rate	Markup	Delivery time	Cheapest payment method
PLN / EUR	€1,138.50	0.2277	0.52%	Minutes - 24 hours	Bank transfer
PLN / GBP	960,00 £	0.1920	0.59%	Minutes - 24 hours	Bank transfer
PLN / INR	121.350,50 ₹	24.2701	0.58%	Minutes - 24 hours	Bank transfer
PLN / TRY	63.253,00 ₺	12.6506	0.56%	Minutes - 24 hours	Bank transfer
PLN / USD	1.276,50 $	0.2553	0.61%	Minutes - 24 hours	Bank transfer

Last updated at 16/10/2026

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Currencies Direct is worth it	Find an alternative
Arrange a larger bank payment with account support	You need BLIK or cash funding
Keep recipients and transfer status on your phone	Your recipient needs a mobile wallet or cash
Use supported PLN funding and currency records	You want an everyday multi-currency spending card

Cheapest apps for sending from Poland

A zero sending fee does not remove the exchange margin, whether you fund through BLIK, a card or a bank.

I suggest comparing the foreign recipient amount at your budget, including any plan allowance and the actual payment method.

The cheapest way to send money abroad from Poland can change between a Ukrainian card payment and a bank bill in euros or pounds.

AmountPLN 5,000PLN 20,000

Last updated at 16/10/2026

PLN UAH

Mid Market Rate 1 zł = 11,5215 ₴1 zł = 11,5265 ₴

Transfer Amount 5.000 zł20.000 zł

Western Union

Profee

Revolut

Western Union

Profee

Revolut

PLN / UAH

57.222,40 ₴

0,00 zł

11.4445

0.67%

Minutes - 2 days

Debit card

PLN / UAH

57.044,06 ₴

0,00 zł

11.4088

0.98%

Minutes - 24 hours

Debit card

PLN / UAH

56.951,85 ₴

0,00 zł

11.3904

1.14%

Within minutes

Bank transfer

PLN / UAH

228.889,59 ₴

0,00 zł

11.4445

0.71%

Minutes - 2 days

Debit card

PLN / UAH

228.176,25 ₴

0,00 zł

11.4088

1.03%

Minutes - 24 hours

Debit card

PLN / UAH

226.343,75 ₴

150,00 zł

11.4027

1.08%

Within minutes

Bank transfer

PLN GBP

Mid Market Rate 1 zł = 0,1931 £1 zł = 0,1932 £

Transfer Amount 5.000 zł20.000 zł

Remitly

Western Union

Revolut

Western Union

TorFx

Currencies Direct

PLN / GBP

969,50 £

0,00 zł

0.1939

-0.39%

Within minutes

Debit card

PLN / GBP

969,34 £

0,00 zł

0.1939

-0.39%

Minutes - 2 days

Debit card

PLN / GBP

961,80 £

10,00 zł

0.1927

0.23%

Within minutes

Bank transfer

PLN / GBP

3.877,37 £

0,00 zł

0.1939

-0.39%

Minutes - 2 days

Debit card

PLN / GBP

3.851,41 £

0,00 zł

0.1926

0.30%

Minutes - 24 hours

Bank transfer

PLN / GBP

3.842,00 £

0,00 zł

0.1921

0.55%

Minutes - 24 hours

Bank transfer

PLN EUR

Mid Market Rate 1 zł = €0.22881 zł = €0.2288

Transfer Amount 5.000 zł20.000 zł

TapTap Send

Western Union

Revolut

TapTap Send

TorFx

Western Union

PLN / EUR

€1,150.00

0,00 zł

0.2300

-0.52%

Minutes

Debit card

PLN / EUR

€1,140.03

0,00 zł

0.2280

0.35%

Minutes - 2 days

Debit card

PLN / EUR

€1,138.53

0,00 zł

0.2277

0.48%

Within minutes

Bank transfer

PLN / EUR

€4,600.00

0,00 zł

0.2300

-0.52%

Minutes

Debit card

PLN / EUR

€4,562.39

0,00 zł

0.2281

0.30%

Minutes - 24 hours

Bank transfer

PLN / EUR

€4,560.14

0,00 zł

0.2280

0.35%

Minutes - 2 days

Debit card

PLN USD

Mid Market Rate 1 zł = 0,2569 $1 zł = 0,257 $

Transfer Amount 5.000 zł20.000 zł

Revolut

Currencies Direct

TorFx

Currencies Direct

PLN / USD

1.276,98 $

7,50 zł

0.2558

0.41%

Within a week

Bank transfer

PLN / USD

1.276,50 $

0,00 zł

0.2553

0.61%

Minutes - 24 hours

Bank transfer

PLN / USD

1.276,00 $

0,00 zł

0.2552

0.65%

Minutes - 24 hours

Debit card

PLN / USD

5.124,10 $

0,00 zł

0.2562

0.30%

Minutes - 24 hours

Bank transfer

PLN / USD

5.108,00 $

0,00 zł

0.2554

0.62%

Minutes - 24 hours

Bank transfer

PLN / USD

5.106,00 $

0,00 zł

0.2553

0.65%

Minutes - 24 hours

Debit card

PLN INR

Mid Market Rate 1 zł = 24,4116 ₹1 zł = 24,3881 ₹

Transfer Amount 5.000 zł20.000 zł

Profee

Western Union

Remitly

Profee

Western Union

TorFx

PLN / INR

122.796,65 ₹

0,00 zł

24.5593

-0.60%

Minutes - 24 hours

Debit card

PLN / INR

121.749,00 ₹

0,00 zł

24.3496

0.25%

Minutes - 2 days

Debit card

PLN / INR

121.550,00 ₹

0,00 zł

24.3100

0.42%

Within a week

Debit card

PLN / INR

490.607,11 ₹

0,00 zł

24.5304

-0.58%

Minutes - 24 hours

Debit card

PLN / INR

486.993,00 ₹

0,00 zł

24.3496

0.16%

Minutes - 2 days

Debit card

PLN / INR

486.299,69 ₹

0,00 zł

24.3150

0.30%

Minutes - 24 hours

Bank transfer

PLN PHP

Mid Market Rate 1 zł = 16,1975 ₱1 zł = 16,181 ₱

Transfer Amount 5.000 zł20.000 zł

Western Union

Remitly

Revolut

Western Union

TorFx

CurrencyFair

PLN / PHP

81.205,01 ₱

0,00 zł

16.2410

-0.27%

Minutes - 2 days

Debit card

PLN / PHP

81.100,00 ₱

0,00 zł

16.2200

-0.14%

Within minutes

Debit card

PLN / PHP

80.470,12 ₱

7,50 zł

16.1182

0.49%

Within minutes

Bank transfer

PLN / PHP

324.820,05 ₱

0,00 zł

16.2410

-0.37%

Minutes - 2 days

Debit card

PLN / PHP

322.649,86 ₱

0,00 zł

16.1325

0.30%

Minutes - 24 hours

Bank transfer

PLN / PHP

321.520,00 ₱

4,94 zł

16.0800

0.63%

Minutes - 24 hours

Bank transfer

PLN TRY

Mid Market Rate 1 zł = 12,7212 ₺1 zł = 12,7296 ₺

Transfer Amount 5.000 zł20.000 zł

Remitly

Western Union

Currencies Direct

Western Union

Currencies Direct

Wise

PLN / TRY

63.764,00 ₺

0,00 zł

12.7528

-0.25%

Within minutes

Debit card

PLN / TRY

63.637,66 ₺

0,00 zł

12.7275

-0.05%

Minutes - 2 days

Debit card

PLN / TRY

63.253,00 ₺

0,00 zł

12.6506

0.56%

Minutes - 24 hours

Bank transfer

PLN / TRY

254.550,64 ₺

0,00 zł

12.7275

0.02%

Minutes - 2 days

Debit card

PLN / TRY

253.074,00 ₺

0,00 zł

12.6537

0.60%

Minutes - 24 hours

Bank transfer

PLN / TRY

252.378,62 ₺

136,27 zł

12.7055

0.19%

Within minutes

Bank transfer

PLN GEL

Mid Market Rate 1 zł = 0,6657 ₾1 zł = 0,6658 ₾

Transfer Amount 5.000 zł20.000 zł

Revolut

TransferGo

Wise

Wise

Revolut

Western Union

PLN / GEL

3.297,52 ₾

7,50 zł

0.6605

0.78%

Within minutes

Bank transfer

PLN / GEL

3.285,75 ₾

0,00 zł

0.6572

1.28%

Within minutes

Bank transfer

PLN / GEL

3.275,87 ₾

89,45 zł

0.6671

-0.21%

Within minutes

Bank transfer

PLN / GEL

13.118,87 ₾

338,75 zł

0.6672

-0.20%

Within minutes

Bank transfer

PLN / GEL

13.091,51 ₾

175,00 zł

0.6604

0.82%

Within minutes

Bank transfer

PLN / GEL

13.089,35 ₾

0,00 zł

0.6545

1.72%

Minutes - 2 days

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BLIK can fund an overseas order without being the overseas payment

TransferGo and Profee can use supported BLIK funding inside their international service, then convert and deliver to the selected foreign recipient.

That differs from a domestic BLIK phone transfer, where the recipient is paid through the local banking system.

Use the remittance app's quote and receiving details for the overseas payment, since BLIK funding does not determine how the recipient gets the money.

For domestic złoty payments, your existing bank's BLIK functions usually cover the task without another international-transfer account.

A euro bank payment still needs the right currency

An eligible euro SEPA transfer can have no sending fee, but funding it from złoty still needs a conversion.

If you already hold euros, compare sending that balance with a new PLN-funded order before exchanging unnecessarily.

For a recipient outside the chosen SEPA route, the bank or app can add another transfer charge or intermediary deduction.

I'd say separate the cost of conversion from the cost of delivery, especially when a free-payout headline hides a weaker exchange rate.

Keep foreign income ready for your next payment

Wise and Revolut let you retain supported foreign balances for later spending or sending, rather than convert each receipt into złoty immediately.

I suggest keeping the currency when another bill or trip needs it, using the relevant receiving details and card funding rules.

InternetowyKantor.pl's exchange and payout wallet serves a different role, while a recipient-card remittance does not provide your own everyday spending account.

A scheduled Wise payment uses an available balance, so it does not automatically withdraw złoty from your Polish bank on the scheduled date.

Choose the recipient method before the speed label

A Ukrainian card payment, bank deposit and cash collection need different recipient information, even when each starts from the same Polish app.

I'd say save the supported card or account details with the recipient, then confirm the offered delivery option for the next payment.

Cash funding still requires the participating agent visit after a mobile order, while collection depends on the recipient's outlet and identification.

For a larger planned bank payment, Currencies Direct adds account support without changing the recipient into a cash or wallet route.

How to send money abroad through an app

Select the receiving route

Choose a supported bank, card, wallet or cash recipient before entering the details and reviewing the arrival option.

Choose your funding method

Use the offered BLIK, bank or accepted card route, then approve the payment through the relevant banking or mobile method.

Check the full conversion cost

Review the exchange margin and sending fee beside the foreign amount received, including any monthly allowance or extra funding charge.

Save and follow the payment

Keep the confirmation and recipient instructions in the app, then follow its status until the payment becomes available.

Use the comparison form for your destination and amount, then choose the app that supports your funding and recipient.

Our methodology & why trust us

I selected Poland-eligible apps around BLIK funding, foreign-bank and card recipients, mobile exchange and retained foreign income.

Our research checked Polish app listings, current mobile functions, regulated services, local funding and live złoty-origin transfer results.

I assessed recipient management and account features alongside exchange margins, plan charges and the costs affecting repeat payments.

We may earn commission from some companies, but commercial agreements do not determine my selection or opinions.

Our review process explains how we assess transfer companies and their services.

Sources

Best multi-currency accounts

Check the receiving route, card settlement and protection alongside the exchange costs for the currencies you will use.

16 Oct 2026

Best money transfer companies

Check the recipient's delivery method alongside the full cost, including the exchange rate and any separate funding charge.

16 Oct 2026

Best multi-currency business accounts

A business currency account lets you keep foreign revenue available for later expenses, rather than converting every receipt immediately into Polish złoty at the bank’s rate.

16 Oct 2026

Contributors

Author

Artiom Pucinskij

Financial Content Strategist

artiom.pucinskij@intent.uk