How to send money to China from Poland with the best PLN-CNY rate

We’ve analysed and compared 6 money transfer companies below for PLN/CNY transfers.

Best companies for PLN/CNY transfers

6 of 6 providers

Last updated on 28 October 2026

Based on 30,000 PLN transfer

Best companies for PLN/CNY transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 367,99 zł 1 PLN = 1.6836 CNY +0.02% vs mid-market Recipient gets 49.888,75 ¥ Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in China with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
367,99 zł1 PLN = 1.6836 CNY
49.888,75 ¥You pay30.000,00 zł
Promoted

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 1.6643 CNY +1.17% vs mid-market Recipient gets 49.929,00 ¥ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in China with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 1.6643 CNY
49.929,00 ¥You pay30.000,00 zł

Run a live search

Showing top Poland to China deals for 30,000 PLN. Do a live search with your exact amount for today's best rates.
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Regency FX

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 1.6793 CNY +0.27% vs mid-market Recipient gets 50.380,01 ¥ Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in China with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 1.6793 CNY
50.380,01 ¥You pay30.000,00 zł

TorFx

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 1.6788 CNY +0.30% vs mid-market Recipient gets 50.364,85 ¥ Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in China with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 1.6788 CNY
50.364,85 ¥You pay30.000,00 zł

TapTap Send

Pay via Debit card
Fee 0,00 zł 1 PLN = 1.6700 CNY +0.83% vs mid-market Recipient gets 50.100,00 ¥ Minutes
Fastest
Receive to bank account

Ways to receive money in China with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Mobile walletMinutesAvailable via:Alipay, WeChat/Weixin
Free1 PLN = 1.6700 CNY
50.100,00 ¥You pay30.000,00 zł
Card depositMinutesAvailable via:Bank China, UnionPay
Free1 PLN = 1.6700 CNY
50.100,00 ¥You pay30.000,00 zł
Bank depositMinutesAvailable via:Banks (DEPRECATED)
Free1 PLN = 1.6700 CNY
50.100,00 ¥You pay30.000,00 zł

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 1.6643 CNY +1.17% vs mid-market Recipient gets 49.929,00 ¥ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in China with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 1.6643 CNY
49.929,00 ¥You pay30.000,00 zł

Xe

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 1.6643 CNY +1.17% vs mid-market Recipient gets 49.929,00 ¥ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in China with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 1.6643 CNY
49.929,00 ¥You pay30.000,00 zł

Xe

Pay via Credit card
Fee 0,00 zł 1 PLN = 1.6643 CNY +1.17% vs mid-market Recipient gets 49.929,00 ¥ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in China with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 1.6643 CNY
49.929,00 ¥You pay30.000,00 zł

Wise

Pay via Bank transfer
Fee 367,99 zł 1 PLN = 1.6836 CNY +0.02% vs mid-market Recipient gets 49.888,75 ¥ Same day
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in China with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
367,99 zł1 PLN = 1.6836 CNY
49.888,75 ¥You pay30.000,00 zł

Moneycorp

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 1.6603 CNY +1.40% vs mid-market Recipient gets 49.809,17 ¥ Minutes - 2 days

Ways to receive money in China with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 PLN = 1.6603 CNY
49.809,17 ¥You pay30.000,00 zł
How Our Results Work
Mid-market rate: 1 PLN = 1.6839 CNY Updates every 60 minutes.

How to send money from Poland to China

Pick a company

Start with the cheapest option, which is Regency FX. It will get you the most CNY on a PLN 30,000 transfer.

Regency FX was the cheapest on 29 of the 29 days it quoted zł30,000 transfers to China.

This heavily depends on how much you send, so I suggest to get the best PLN/CNY rate.

Fund your transfer

You can fund your transfer to China using bank transfer, debit card, and credit card.

Depending on the transfer company, you can use BLIK, which is the quickest and easiest.

Verify and send

Before you send, you'll need to verify your account.

You'll need a photo ID and your PESEL.

Compare amounts

How much PLN are you sending to China?

How much PLN you send to China 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.

Our analysis shows Regency FX was the cheapest in 100% of the transfers from PLN 20,000 it quoted, and in 100% of all the transfers it quoted.

Cheapest service
2.000 zł0.12%0,00 zł3.363,00 ¥with debit card to bank deposit+34,60 ¥
5.000 zł0.09%0,00 zł8.414,00 ¥with debit card to bank deposit+87,12 ¥
10.000 zł0.40%0,00 zł16.771,00 ¥with debit card to bank deposit+135,51 ¥
20.000 zł0.30%0,00 zł33.563,77 ¥with bank transfer to bank deposit+233,88 ¥
30.000 złThis page0.27%0,00 zł50.380,01 ¥with bank transfer to bank deposit+338,79 ¥

Mid-market rate: 1 PLN = 1.6839 CNY

PLN/CNY Exchange Rate History

Is today a good time to send money from Poland to China?

The cheapest way to send PLN to CNY can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 30,000 PLN transfers to China.

CNY received for 30.000 zł, after fees

Wed, 28 Oct 2026Mid-market rate50.516,40 ¥ Regency FX 50.380,01 ¥Regency FX50.380,01 ¥TorFx50.364,85 ¥TapTap Send50.100,00 ¥

49.500
50.000
50.500
51.000
51.500
52.000
52.500
At the mid-market rateWith the cheapest optionRegency FXTorFxTapTap Send
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7418 – 52.253,85 ¥
Regency FX Cheapest 1.7371 0,00 zł 52.112,76 ¥ −141,09 ¥
TorFx 1.7366 0,00 zł 52.097,09 ¥ −156,76 ¥
TapTap Send 1.7200 0,00 zł 51.600,00 ¥ −653,85 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7433 – 52.299,63 ¥
Regency FX Cheapest 1.7386 0,00 zł 52.158,42 ¥ −141,21 ¥
TorFx 1.7381 0,00 zł 52.142,73 ¥ −156,90 ¥
TapTap Send 1.7300 0,00 zł 51.900,00 ¥ −399,63 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7339 – 52.015,86 ¥
Regency FX Cheapest 1.7292 0,00 zł 51.875,42 ¥ −140,44 ¥
TorFx 1.7287 0,00 zł 51.859,81 ¥ −156,05 ¥
TapTap Send 1.7200 0,00 zł 51.600,00 ¥ −415,86 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7249 – 51.746,64 ¥
Regency FX Cheapest 1.7202 0,00 zł 51.606,92 ¥ −139,72 ¥
TorFx 1.7197 0,00 zł 51.591,40 ¥ −155,24 ¥
TapTap Send 1.7100 0,00 zł 51.300,00 ¥ −446,64 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7210 – 51.629,73 ¥
Regency FX Cheapest 1.7163 0,00 zł 51.490,33 ¥ −139,40 ¥
TorFx 1.7158 0,00 zł 51.474,84 ¥ −154,89 ¥
TapTap Send 1.7000 0,00 zł 51.000,00 ¥ −629,73 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7210 – 51.629,73 ¥
Regency FX Cheapest 1.7163 0,00 zł 51.490,33 ¥ −139,40 ¥
TorFx 1.7158 0,00 zł 51.474,84 ¥ −154,89 ¥
TapTap Send 1.7100 0,00 zł 51.300,00 ¥ −329,73 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7123 – 51.368,52 ¥
Regency FX Cheapest 1.7077 0,00 zł 51.229,82 ¥ −138,70 ¥
TorFx 1.7071 0,00 zł 51.214,41 ¥ −154,11 ¥
TapTap Send 1.7000 0,00 zł 51.000,00 ¥ −368,52 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7222 – 51.665,19 ¥
Regency FX Cheapest 1.7175 0,00 zł 51.525,69 ¥ −139,50 ¥
TorFx 1.7170 0,00 zł 51.510,19 ¥ −155,00 ¥
TapTap Send 1.7000 0,00 zł 51.000,00 ¥ −665,19 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7172 – 51.516,72 ¥
Regency FX Cheapest 1.7126 0,00 zł 51.377,62 ¥ −139,10 ¥
TorFx 1.7121 0,00 zł 51.362,17 ¥ −154,55 ¥
TapTap Send 1.7000 0,00 zł 51.000,00 ¥ −516,72 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7126 – 51.379,08 ¥
Regency FX Cheapest 1.7080 0,00 zł 51.240,36 ¥ −138,72 ¥
TorFx 1.7075 0,00 zł 51.224,94 ¥ −154,14 ¥
TapTap Send 1.6900 0,00 zł 50.700,00 ¥ −679,08 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7187 – 51.560,76 ¥
Regency FX Cheapest 1.7141 0,00 zł 51.421,55 ¥ −139,21 ¥
TorFx 1.7135 0,00 zł 51.406,08 ¥ −154,68 ¥
TapTap Send 1.7000 0,00 zł 51.000,00 ¥ −560,76 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7085 – 51.255,93 ¥
Regency FX Cheapest 1.7039 0,00 zł 51.117,54 ¥ −138,39 ¥
TorFx 1.7034 0,00 zł 51.102,16 ¥ −153,77 ¥
TapTap Send 1.6900 0,00 zł 50.700,00 ¥ −555,93 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7085 – 51.255,93 ¥
Regency FX Cheapest 1.7039 0,00 zł 51.117,54 ¥ −138,39 ¥
TorFx 1.7034 0,00 zł 51.102,16 ¥ −153,77 ¥
TapTap Send 1.6900 0,00 zł 50.700,00 ¥ −555,93 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7082 – 51.246,69 ¥
Regency FX Cheapest 1.7036 0,00 zł 51.108,32 ¥ −138,37 ¥
TorFx 1.7031 0,00 zł 51.092,95 ¥ −153,74 ¥
TapTap Send 1.6900 0,00 zł 50.700,00 ¥ −546,69 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7086 – 51.258,51 ¥
Regency FX Cheapest 1.7040 0,00 zł 51.120,11 ¥ −138,40 ¥
TorFx 1.7035 0,00 zł 51.104,73 ¥ −153,78 ¥
TapTap Send 1.6900 0,00 zł 50.700,00 ¥ −558,51 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7037 – 51.110,61 ¥
Regency FX Cheapest 1.6991 0,00 zł 50.972,61 ¥ −138,00 ¥
TorFx 1.6986 0,00 zł 50.957,28 ¥ −153,33 ¥
TapTap Send 1.6800 0,00 zł 50.400,00 ¥ −710,61 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7172 – 51.516,90 ¥
Regency FX Cheapest 1.7126 0,00 zł 51.377,80 ¥ −139,10 ¥
TorFx 1.7121 0,00 zł 51.362,35 ¥ −154,55 ¥
TapTap Send 1.7000 0,00 zł 51.000,00 ¥ −516,90 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7237 – 51.711,24 ¥
Regency FX Cheapest 1.7191 0,00 zł 51.571,62 ¥ −139,62 ¥
TorFx 1.7185 0,00 zł 51.556,11 ¥ −155,13 ¥
TapTap Send 1.7000 0,00 zł 51.000,00 ¥ −711,24 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7209 – 51.626,34 ¥
Regency FX Cheapest 1.7162 0,00 zł 51.486,95 ¥ −139,39 ¥
TorFx 1.7157 0,00 zł 51.471,46 ¥ −154,88 ¥
TapTap Send 1.7100 0,00 zł 51.300,00 ¥ −326,34 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7209 – 51.626,34 ¥
Regency FX Cheapest 1.7162 0,00 zł 51.486,95 ¥ −139,39 ¥
TorFx 1.7157 0,00 zł 51.471,46 ¥ −154,88 ¥
TapTap Send 1.7000 0,00 zł 51.000,00 ¥ −626,34 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7166 – 51.499,08 ¥
Regency FX Cheapest 1.7120 0,00 zł 51.360,03 ¥ −139,05 ¥
TorFx 1.7115 0,00 zł 51.344,58 ¥ −154,50 ¥
TapTap Send 1.6900 0,00 zł 50.700,00 ¥ −799,08 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7135 – 51.405,15 ¥
Regency FX Cheapest 1.7089 0,00 zł 51.266,36 ¥ −138,79 ¥
TorFx 1.7084 0,00 zł 51.250,93 ¥ −154,22 ¥
TapTap Send 1.7000 0,00 zł 51.000,00 ¥ −405,15 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7166 – 51.497,97 ¥
Regency FX Cheapest 1.7120 0,00 zł 51.358,93 ¥ −139,04 ¥
TorFx 1.7114 0,00 zł 51.343,48 ¥ −154,49 ¥
TapTap Send 1.7000 0,00 zł 51.000,00 ¥ −497,97 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 1.7000 0,00 zł 51.000,00 ¥ –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7012 – 51.036,18 ¥
Regency FX Cheapest 1.6966 0,00 zł 50.898,38 ¥ −137,80 ¥
TorFx 1.6961 0,00 zł 50.883,07 ¥ −153,11 ¥
TapTap Send 1.6800 0,00 zł 50.400,00 ¥ −636,18 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.6993 – 50.977,62 ¥
Regency FX Cheapest 1.6947 0,00 zł 50.839,98 ¥ −137,64 ¥
TorFx 1.6942 0,00 zł 50.824,69 ¥ −152,93 ¥
TapTap Send 1.6800 0,00 zł 50.400,00 ¥ −577,62 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.6993 – 50.977,62 ¥
Regency FX Cheapest 1.6947 0,00 zł 50.839,98 ¥ −137,64 ¥
TorFx 1.6942 0,00 zł 50.824,69 ¥ −152,93 ¥
TapTap Send 1.6800 0,00 zł 50.400,00 ¥ −577,62 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.7019 – 51.055,80 ¥
Regency FX Cheapest 1.6973 0,00 zł 50.917,95 ¥ −137,85 ¥
TorFx 1.6968 0,00 zł 50.902,63 ¥ −153,17 ¥
TapTap Send 1.6800 0,00 zł 50.400,00 ¥ −655,80 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.6884 – 50.652,93 ¥
Regency FX Cheapest 1.6839 0,00 zł 50.516,17 ¥ −136,76 ¥
TorFx 1.6834 0,00 zł 50.500,97 ¥ −151,96 ¥
TapTap Send 1.6700 0,00 zł 50.100,00 ¥ −552,93 ¥
Exchange rateFeeRecipient getsDifference
Mid-market rate 1.6839 – 50.516,40 ¥
Regency FX Cheapest 1.6793 0,00 zł 50.380,01 ¥ −136,39 ¥
TorFx 1.6788 0,00 zł 50.364,85 ¥ −151,55 ¥
TapTap Send 1.6700 0,00 zł 50.100,00 ¥ −416,40 ¥

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send 30.000 zł, after fees, as quoted by each company. The mid-market line shows what 30.000 zł converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more CNY per PLN than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of CNY on every transfer from Poland.

Right now, Regency FX pays 50,380.01 CNY on 30,000 PLN, which is 136.39 CNY less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 52,158.42 CNY.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to China.

We've tracked 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Regency FXAppeared in 29 comparisons

    Cheapest every time

  2. TorFxAppeared in 44 comparisons

    Cheapest in 34% of them

  3. TapTap SendAppeared in 93 comparisons

    Cheapest in 2% of them

Based on 94 comparisons across 5 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from Poland to China

6 companies send money from Poland to China, across broker, app, online, global account, and multi-currency account, and more.

Simplest way to send PLN

Money transfer apps

Most transfer apps let you fund transfers via Apple Pay, Google Pay, bank transfer, debit card, and credit card.

TapTap Send charges 0 PLN on a zł30,000 transfer and delivers 50,100 CNY in minutes, straight to the recipient's bank card or account.

Over the past month, TapTap Send was the cheapest app on 73% of the days it appeared for zł30,000 transfers.

Mid-size and one-off transfers

Online transfers

Anyone who's done a bank transfer abroad from Poland knows the OUR, SHA, BEN question, who pays the correspondent banks along the way.

Online services like Xe move money inside their own network instead, which is much cheaper and gets you more CNY.

The cheapest way to send money online from Poland to China is via Xe.

Sending 30,000 PLN gets you 49,929 CNY (after 0 fee and 1.17% markup).

In our comparisons over the past month, it was the cheapest online service on 22 of the 30 days it quoted.

Converting and spending

Multi-currency accounts

Multi-currency accounts let you hold PLN and CNY in one account.

This is useful for travelling to China, getting paid in CNY, or pre-converting when PLN/CNY rate is good.

You can convert between them whenever you want, and once you have CNY there are no fees after.

The best multi-currency account for holding PLN and CNY is Wise.

For example, it converts zł30,000 at 0.02% markup and a small fee.

Over the past month, Wise came out cheapest among multi-currency accounts on 100% of days.

For freelancers and businesses

Global accounts

Global accounts are for Polish companies doing business abroad.

Companies like Wise Business, Revolut Business, or Airwallex handle recurring payments, invoicing, supplier payments, and more.

Ways to fund PLN and receive CNY in China

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 50,380.01 CNY.

Deposit PLN through bank transfer, debit card, and credit card.

They can receive CNY via bank deposit, mobile wallet, and card deposit.

Receive CNY on a bank card

Your recipient can receive CNY on a supported card in China. Check that their name and card details match before sending.

  1. 1
    Bank transfer Bank deposit

    You pay zł30,000.00

    元50,380

    Cheapest

  2. 2
    Debit card Mobile wallet

    You pay zł30,000.00

    元50,100

    -元280

  3. 3
    Debit card Card deposit

    You pay zł30,000.00

    元50,100

    -元280

  4. 4
    Debit card Bank deposit

    You pay zł30,000.00

    元50,100

    -元280

  5. 5
    Credit card Bank deposit

    You pay zł30,000.00

    元49,929

    -元451

Consider this when sending PLN to China

There are a few nuances when sending money from Poland to China.

Compare PLN/CNY transfer options

For a 30,000 PLN transfer to China, these are the cheapest, fastest and easiest options.

Cheapest way to send money to China

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 50,380.01 CNY, which is 0.03% more than the next best option.

Fastest way to send money to China

The fastest option is TapTap Send. Pay by debit card and choose mobile wallet for the payout. Your recipient gets 50,100 CNY, with the money arriving in minutes.

BLIK funds PLN deposits only

Some money transfer companies accept BLIK as a deposit method, which then switches to an internal network of bank accounts.

BLIK by itself cannot move money outside the country.

Gifts can need Polish tax paperwork

Sending money abroad is not itself a Polish tax charge.

A gift can still fall under Polish gift-tax rules depending on the recipient's tax position.

The closest family group can qualify for a full exemption.

Where Polish rules apply, a cash gift may need to be reported on form SD-Z2 within six months and documented through a bank, payment account or postal transfer.

The Polish tax authority explains the exemption and current filing conditions.

BFG deposit protection

BFG deposit protection applies to eligible bank deposits.

A non-bank transfer company normally protects customer money through safeguarding instead, so avoid leaving a large account balance there after the transfer.

Check whether the company is authorised in Poland or passported from another EEA country through the KNF registers.

How we analyse the market

Every company here is KNF-registered or passported into Poland, and we check that before anything else.

We track 6 of them on PLN to China in real time on live comparisons. Polish banks have caught up on rates, so we compare both rather than assuming the bank loses.

In the past 30 days alone, we analysed 94 comparisons across 5 amounts.

This page covers the cheapest and fastest options for PLN/CNY transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review. 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.