How to send money to Costa Rica from Poland with the best PLN-CRC rate

We’ve analysed and compared 4 money transfer companies below for PLN/CRC transfers.

Best companies for PLN/CRC transfers

4 of 4 providers

Last updated on 28 October 2026

Based on 30,000 PLN transfer

Best companies for PLN/CRC transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 517,06 zł 1 PLN = 114.2450 CRC +0.70% vs mid-market Recipient gets 3.368.278,48 ₡ Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
517,06 zł1 PLN = 114.2450 CRC
3.368.278,48 ₡You pay30.000,00 zł
Promoted

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 109.3544 CRC +5.07% vs mid-market Recipient gets 3.280.632,00 ₡ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 109.3544 CRC
3.280.632,00 ₡You pay30.000,00 zł

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Showing top Poland to Costa Rica 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 = 114.7356 CRC +0.27% vs mid-market Recipient gets 3.442.067,68 ₡ Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 114.7356 CRC
3.442.067,68 ₡You pay30.000,00 zł

Wise

Pay via Bank transfer
Fee 517,06 zł 1 PLN = 114.2450 CRC +0.70% vs mid-market Recipient gets 3.368.278,48 ₡ Same day
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
517,06 zł1 PLN = 114.2450 CRC
3.368.278,48 ₡You pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 475,00 zł 1 PLN = 113.2993 CRC +1.53% vs mid-market Recipient gets 3.345.162,64 ₡ Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Costa Rica with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
475,00 zł1 PLN = 113.2993 CRC
3.345.162,64 ₡You pay30.000,00 zł

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.

Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee 940,00 zł 1 PLN = 113.2993 CRC +1.53% vs mid-market Recipient gets 3.292.478,45 ₡ Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Costa Rica with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
940,00 zł1 PLN = 113.2993 CRC
3.292.478,45 ₡You pay30.000,00 zł

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.

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 109.3544 CRC +5.07% vs mid-market Recipient gets 3.280.632,00 ₡ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 109.3544 CRC
3.280.632,00 ₡You pay30.000,00 zł

Xe

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 109.3544 CRC +5.07% vs mid-market Recipient gets 3.280.632,00 ₡ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 109.3544 CRC
3.280.632,00 ₡You pay30.000,00 zł

Xe

Pay via Credit card
Fee 0,00 zł 1 PLN = 109.3544 CRC +5.07% vs mid-market Recipient gets 3.280.632,00 ₡ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 109.3544 CRC
3.280.632,00 ₡You pay30.000,00 zł
How Our Results Work
Mid-market rate: 1 PLN = 115.0462 CRC Updates every 60 minutes.

How to send money from Poland to Costa Rica

Pick a company

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

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

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

Fund your transfer

You can fund your transfer to Costa Rica 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 Costa Rica?

How much PLN you send to Costa Rica 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 zł1.64%0,00 zł226.299,15 ₡with debit card to bank deposit+5.993,34 ₡
5.000 zł1.53%37,50 zł562.373,45 ₡with bank transfer to bank deposit+13.509,22 ₡
10.000 zł0.70%188,55 zł1.120.909,11 ₡with bank transfer to bank deposit+23.682,48 ₡
20.000 zł0.70%352,80 zł2.243.690,59 ₡with bank transfer to bank deposit+38.637,98 ₡
30.000 złThis page0.27%0,00 zł3.442.067,68 ₡with bank transfer to bank deposit+114.941,50 ₡

Mid-market rate: 1 PLN = 115.0462 CRC

PLN/CRC Exchange Rate History

Is today a good time to send money from Poland to Costa Rica?

The cheapest way to send PLN to CRC 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 Costa Rica.

CRC received for 30.000 zł, after fees

Wed, 28 Oct 2026Mid-market rate3.451.386,42 ₡ Regency FX 3.442.067,68 ₡Regency FX3.442.067,68 ₡Wise3.368.278,48 ₡Revolut3.345.162,64 ₡

3,30M
3,35M
3,40M
3,45M
3,50M
3,55M
3,60M
At the mid-market rateWith the cheapest optionRegency FXWiseRevolut
Exchange rateFeeRecipient getsDifference
Mid-market rate 117.9549 – 3.538.645,74 ₡
Regency FX Cheapest 117.6364 0,00 zł 3.529.091,40 ₡ −9.554,34 ₡
Wise 117.8550 517,06 zł 3.474.711,89 ₡ −63.933,85 ₡
Revolut 116.8655 475,00 zł 3.450.453,22 ₡ −88.192,52 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 118.5981 – 3.557.942,61 ₡
Regency FX Cheapest 118.2779 0,00 zł 3.548.336,16 ₡ −9.606,45 ₡
Wise 118.3560 517,06 zł 3.489.482,85 ₡ −68.459,76 ₡
Revolut 117.3871 475,00 zł 3.465.852,90 ₡ −92.089,71 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 118.4000 – 3.551.999,37 ₡
Regency FX Cheapest 118.0803 0,00 zł 3.542.408,97 ₡ −9.590,40 ₡
Wise 118.0850 517,06 zł 3.481.492,97 ₡ −70.506,40 ₡
Revolut 117.1000 475,00 zł 3.457.377,05 ₡ −94.622,32 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 118.1648 – 3.544.943,58 ₡
Regency FX Cheapest 117.8457 0,00 zł 3.535.372,23 ₡ −9.571,35 ₡
Wise 117.8100 517,06 zł 3.473.385,16 ₡ −71.558,42 ₡
Revolut 116.8385 475,00 zł 3.449.657,35 ₡ −95.286,23 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 117.5983 – 3.527.947,83 ₡
Regency FX Cheapest 117.2807 0,00 zł 3.518.422,37 ₡ −9.525,46 ₡
Wise 117.5080 517,06 zł 3.464.481,31 ₡ −63.466,52 ₡
Revolut 116.1496 775,00 zł 3.394.471,61 ₡ −133.476,22 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 117.3622 – 3.520.866,54 ₡
Regency FX Cheapest 117.0453 0,00 zł 3.511.360,20 ₡ −9.506,34 ₡
Wise 117.5080 517,06 zł 3.464.481,31 ₡ −56.385,23 ₡
Revolut 116.1496 775,00 zł 3.394.471,61 ₡ −126.394,93 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.9383 – 3.508.148,01 ₡
Regency FX Cheapest 116.6225 0,00 zł 3.498.676,01 ₡ −9.472,00 ₡
Wise 116.9830 517,06 zł 3.449.002,77 ₡ −59.145,24 ₡
Revolut 116.0388 475,00 zł 3.426.045,03 ₡ −82.102,98 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 117.4550 – 3.523.648,89 ₡
Regency FX Cheapest 117.1378 0,00 zł 3.514.135,04 ₡ −9.513,85 ₡
Wise 117.6520 517,06 zł 3.468.726,86 ₡ −54.922,03 ₡
Revolut 116.6865 475,00 zł 3.445.167,50 ₡ −78.481,39 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 117.1988 – 3.515.964,66 ₡
Regency FX Cheapest 116.8824 0,00 zł 3.506.471,56 ₡ −9.493,10 ₡
Wise 116.9470 517,06 zł 3.447.941,38 ₡ −68.023,28 ₡
Revolut 115.9843 475,00 zł 3.424.436,81 ₡ −91.527,85 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.5385 – 3.496.155,78 ₡
Regency FX Cheapest 116.2239 0,00 zł 3.486.716,16 ₡ −9.439,62 ₡
Wise 116.3720 517,06 zł 3.430.988,69 ₡ −65.167,09 ₡
Revolut 115.3941 475,00 zł 3.407.010,41 ₡ −89.145,37 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.4821 – 3.494.463,93 ₡
Regency FX Cheapest 116.1676 0,00 zł 3.485.028,88 ₡ −9.435,05 ₡
Wise 116.3980 517,06 zł 3.431.755,25 ₡ −62.708,68 ₡
Revolut 115.4132 475,00 zł 3.407.573,33 ₡ −86.890,60 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.4955 – 3.494.864,25 ₡
Regency FX Cheapest 116.1809 0,00 zł 3.485.428,12 ₡ −9.436,13 ₡
Wise 115.8210 517,06 zł 3.414.743,59 ₡ −80.120,66 ₡
Revolut 114.4967 775,00 zł 3.346.167,50 ₡ −148.696,75 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.4955 – 3.494.864,25 ₡
Regency FX Cheapest 116.1809 0,00 zł 3.485.428,12 ₡ −9.436,13 ₡
Wise 115.8210 517,06 zł 3.414.743,59 ₡ −80.120,66 ₡
Revolut 114.4967 775,00 zł 3.346.167,50 ₡ −148.696,75 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.3930 – 3.491.788,77 ₡
Regency FX Cheapest 116.0787 0,00 zł 3.482.360,94 ₡ −9.427,83 ₡
Wise 115.8090 517,06 zł 3.414.389,80 ₡ −77.398,97 ₡
Revolut 114.8706 475,00 zł 3.391.554,20 ₡ −100.234,57 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.4976 – 3.494.927,85 ₡
Regency FX Cheapest 116.1831 0,00 zł 3.485.491,54 ₡ −9.436,31 ₡
Wise 115.4910 517,06 zł 3.405.014,22 ₡ −89.913,63 ₡
Revolut 114.5300 475,00 zł 3.381.496,90 ₡ −113.430,95 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.9898 – 3.479.694,42 ₡
Regency FX Cheapest 115.6766 0,00 zł 3.470.299,25 ₡ −9.395,17 ₡
Wise 115.0350 517,06 zł 3.391.570,00 ₡ −88.124,42 ₡
Revolut 114.0460 475,00 zł 3.367.208,61 ₡ −112.485,81 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.7341 – 3.502.023,60 ₡
Regency FX Cheapest 116.4189 0,00 zł 3.492.568,14 ₡ −9.455,46 ₡
Wise 115.7250 517,06 zł 3.411.913,23 ₡ −90.110,37 ₡
Revolut 114.8238 475,00 zł 3.390.173,99 ₡ −111.849,61 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 117.2654 – 3.517.960,62 ₡
Regency FX Cheapest 116.9487 0,00 zł 3.508.462,13 ₡ −9.498,49 ₡
Wise 116.1500 517,06 zł 3.424.443,48 ₡ −93.517,14 ₡
Revolut 115.2151 475,00 zł 3.401.726,50 ₡ −116.234,12 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 117.0448 – 3.511.343,37 ₡
Regency FX Cheapest 116.7288 0,00 zł 3.501.862,74 ₡ −9.480,63 ₡
Wise 115.8830 517,06 zł 3.416.571,54 ₡ −94.771,83 ₡
Revolut 114.4893 775,00 zł 3.345.950,68 ₡ −165.392,69 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 117.0448 – 3.511.343,37 ₡
Regency FX Cheapest 116.7288 0,00 zł 3.501.862,74 ₡ −9.480,63 ₡
Wise 115.8830 517,06 zł 3.416.571,54 ₡ −94.771,83 ₡
Revolut 114.4893 775,00 zł 3.345.950,68 ₡ −165.392,69 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.9686 – 3.509.059,08 ₡
Regency FX Cheapest 116.6528 0,00 zł 3.499.584,62 ₡ −9.474,46 ₡
Wise 115.7280 517,06 zł 3.412.001,68 ₡ −97.057,40 ₡
Revolut 114.7364 475,00 zł 3.387.593,57 ₡ −121.465,51 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.5440 – 3.496.319,37 ₡
Regency FX Cheapest 116.2293 0,00 zł 3.486.879,31 ₡ −9.440,06 ₡
Wise 115.9560 517,06 zł 3.418.723,79 ₡ −77.595,58 ₡
Revolut No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.5276 – 3.495.827,10 ₡
Regency FX Cheapest 116.2129 0,00 zł 3.486.388,37 ₡ −9.438,73 ₡
Wise 116.2800 517,06 zł 3.428.276,26 ₡ −67.550,84 ₡
Revolut 115.2911 475,00 zł 3.403.968,26 ₡ −91.858,84 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 116.9090 517,06 zł 3.446.821,03 ₡ –
Revolut 115.9270 475,00 zł 3.422.745,45 ₡ –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.1971 – 3.485.912,94 ₡
Regency FX Cheapest 115.8834 0,00 zł 3.476.500,98 ₡ −9.411,96 ₡
Wise 115.7050 517,06 zł 3.411.323,57 ₡ −74.589,37 ₡
Revolut 114.7743 475,00 zł 3.388.710,68 ₡ −97.202,26 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.0355 – 3.481.063,53 ₡
Regency FX Cheapest 115.7222 0,00 zł 3.471.664,66 ₡ −9.398,87 ₡
Wise 115.2080 517,06 zł 3.396.670,55 ₡ −84.392,98 ₡
Revolut 113.7885 775,00 zł 3.325.469,62 ₡ −155.593,91 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.0355 – 3.481.063,53 ₡
Regency FX Cheapest 115.7222 0,00 zł 3.471.664,66 ₡ −9.398,87 ₡
Wise 115.2080 517,06 zł 3.396.670,55 ₡ −84.392,98 ₡
Revolut 113.7885 775,00 zł 3.325.469,62 ₡ −155.593,91 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 116.0435 – 3.481.306,23 ₡
Regency FX Cheapest 115.7302 0,00 zł 3.471.906,70 ₡ −9.399,53 ₡
Wise 115.3660 517,06 zł 3.401.328,86 ₡ −79.977,37 ₡
Revolut 114.1406 475,00 zł 3.370.000,34 ₡ −111.305,89 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.5173 – 3.465.519,63 ₡
Regency FX Cheapest 115.2054 0,00 zł 3.456.162,73 ₡ −9.356,90 ₡
Wise 114.5810 517,06 zł 3.378.184,75 ₡ −87.334,88 ₡
Revolut 113.6275 475,00 zł 3.354.850,72 ₡ −110.668,91 ₡
Exchange rateFeeRecipient getsDifference
Mid-market rate 115.0462 – 3.451.386,42 ₡
Regency FX Cheapest 114.7356 0,00 zł 3.442.067,68 ₡ −9.318,74 ₡
Wise 114.2450 517,06 zł 3.368.278,48 ₡ −83.107,94 ₡
Revolut 113.2993 475,00 zł 3.345.162,64 ₡ −106.223,78 ₡

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 CRC 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 CRC on every transfer from Poland.

Right now, Regency FX pays 3,442,067.68 CRC on 30,000 PLN, which is 9,318.74 CRC less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 3,548,336.16 CRC.

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 Costa Rica.

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. WiseAppeared in 94 comparisons

    Cheapest in 36% of them

  3. RevolutAppeared in 88 comparisons

    Cheapest in 13% 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.

Wise (today's second cheapest) was the cheapest in only 36% of its comparisons, so it's rarely the cheapest option for transfers to Costa Rica.

Ways to send money from Poland to Costa Rica

4 companies send money from Poland to Costa Rica, across app, broker, online, multi-currency account, and global 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.

Wise charges 517.06 PLN on a zł30,000 transfer and delivers 3,368,278.48 CRC in same day, straight to the recipient's bank card or account.

Over the past month, Wise was the cheapest app on 100% 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 Wise move money inside their own network instead, which is much cheaper and gets you more CRC.

The cheapest way to send money online from Poland to Costa Rica is via Wise.

Sending 30,000 PLN gets you 3,368,278.48 CRC (after 517.06 fee and 0.7% markup).

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

Converting and spending

Multi-currency accounts

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

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

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

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

For example, it converts zł30,000 at 0.7% 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 CRC in Costa Rica

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 3,442,067.68 CRC.

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

They can receive CRC via bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay zł30,000.00

    ₡3,442,068

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay zł30,000.00

    ₡3,292,478

    -₡149,589

  3. 3
    Credit card Bank deposit

    You pay zł30,000.00

    ₡3,280,632

    -₡161,436

Consider this when sending PLN to Costa Rica

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

Compare PLN/CRC transfer options

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

Cheapest way to send money to Costa Rica

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 3,442,067.68 CRC, which is 2.14% more than the next best option.

Fastest way to send money to Costa Rica

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 3,345,162.64 CRC, with the money arriving in within 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 4 of them on PLN to Costa Rica 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/CRC 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.