How to send money to Czech Republic from Poland with the best PLN-CZK rate

We’ve analysed and compared 9 money transfer companies below for PLN/CZK transfers.

Best companies for PLN/CZK transfers

9 of 9 providers

Last updated on 28 October 2026

Based on 30,000 PLN transfer

Best companies for PLN/CZK transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 212,72 zł 1 PLN = 5.5279 CZK 0.00% vs mid-market Recipient gets 164.661,11 Kč Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
212,72 zł1 PLN = 5.5279 CZK
164.661,11 KčYou pay30.000,00 zł
Promoted

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 5.4981 CZK +0.54% vs mid-market Recipient gets 164.943,00 Kč Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 5.4981 CZK
164.943,00 KčYou pay30.000,00 zł

Run a live search

Showing top Poland to Czech Republic deals for 30,000 PLN. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 5.5140 CZK +0.25% vs mid-market Recipient gets 165.419,83 Kč Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

Ways to receive money in Czechia with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 PLN = 5.5140 CZK
165.419,83 KčYou pay30.000,00 zł
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 5.5129 CZK +0.27% vs mid-market Recipient gets 165.386,67 Kč Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 5.5129 CZK
165.386,67 KčYou pay30.000,00 zł

TorFx

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 5.5112 CZK +0.30% vs mid-market Recipient gets 165.336,92 Kč Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 5.5112 CZK
165.336,92 KčYou pay30.000,00 zł

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 5.4981 CZK +0.54% vs mid-market Recipient gets 164.943,00 Kč Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 5.4981 CZK
164.943,00 KčYou pay30.000,00 zł

Xe

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 5.4981 CZK +0.54% vs mid-market Recipient gets 164.943,00 Kč Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 5.4981 CZK
164.943,00 KčYou pay30.000,00 zł

Xe

Pay via Credit card
Fee 0,00 zł 1 PLN = 5.4981 CZK +0.54% vs mid-market Recipient gets 164.943,00 Kč Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 5.4981 CZK
164.943,00 KčYou pay30.000,00 zł

Wise

Pay via Bank transfer
Fee 212,72 zł 1 PLN = 5.5279 CZK 0.00% vs mid-market Recipient gets 164.661,11 Kč Same day
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
212,72 zł1 PLN = 5.5279 CZK
164.661,11 KčYou pay30.000,00 zł

CurrencyFair

Pay via Bank transfer
Fee 13,57 zł 1 PLN = 5.4840 CZK +0.80% vs mid-market Recipient gets 164.445,00 Kč Minutes - 24 hours
Receive to bank account

Ways to receive money in Czechia with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
13,57 zł1 PLN = 5.4840 CZK
164.445,00 KčYou pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 310,00 zł 1 PLN = 5.5164 CZK +0.21% vs mid-market Recipient gets 163.783,38 Kč Same day
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositSame day
310,00 zł1 PLN = 5.5164 CZK
163.783,38 KčYou 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.

Moneycorp

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 5.4504 CZK +1.40% vs mid-market Recipient gets 163.512,74 Kč Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 PLN = 5.4504 CZK
163.512,74 KčYou pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee 460,00 zł 1 PLN = 5.5164 CZK +0.21% vs mid-market Recipient gets 162.955,91 Kč Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
460,00 zł1 PLN = 5.5164 CZK
162.955,91 KčYou 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.

Profee

Pay via Debit card
Fee 0,00 zł 1 PLN = 5.3622 CZK +3.04% vs mid-market Recipient gets 160.867,09 Kč Minutes - 24 hours
Multi-currency cardReceive to bank account or debit card

Ways to receive money in Czechia with Profee when paying by debit card.

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hours
Free1 PLN = 5.3622 CZK
160.867,09 KčYou pay30.000,00 zł

Profee

Pay via BLIK
Fee 0,00 zł 1 PLN = 5.3622 CZK +3.04% vs mid-market Recipient gets 160.867,09 Kč Minutes - 24 hours
Multi-currency cardReceive to bank account or debit card

Ways to receive money in Czechia with Profee when paying by blik.

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hours
Free1 PLN = 5.3622 CZK
160.867,09 KčYou pay30.000,00 zł
How Our Results Work
Mid-market rate: 1 PLN = 5.5278 CZK Updates every 60 minutes.

How to send money from Poland to Czech Republic

Pick a company

Start with the cheapest option, which is Key Currency. It will get you the most CZK on a PLN 30,000 transfer.

Key Currency was the cheapest on 29 of the 29 days it quoted zł30,000 transfers to Czech Republic.

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

Fund your transfer

You can fund your transfer to Czech Republic using bank transfer, debit card, credit card, debit card, and blik.

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 Czech Republic?

How much PLN you send to Czech Republic 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 Key Currency 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 zł0.41%0,00 zł11.010,13 Kčwith debit card to bank deposit+177,67 Kč
5.000 zł0.20%10,00 zł27.528,52 Kčwith bank transfer to bank deposit+404,33 Kč
10.000 zł0.54%0,00 zł54.981,00 Kčwith debit card to bank deposit+757,08 Kč
20.000 zł0.30%0,00 zł110.209,54 Kčwith bank transfer to bank deposit+1.462,86 Kč
30.000 złThis page0.25%0,00 zł165.419,83 Kčwith bank transfer to bank deposit+1.414,85 Kč

Mid-market rate: 1 PLN = 5.5278 CZK

PLN/CZK Exchange Rate History

Is today a good time to send money from Poland to Czech Republic?

The cheapest way to send PLN to CZK 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 Key Currency), across 30 days of comparisons for 30,000 PLN transfers to Czech Republic.

CZK received for 30.000 zł, after fees

Wed, 28 Oct 2026Mid-market rate165.834,42 Kč Key Currency 165.419,83 KčKey Currency165.419,83 KčRegency FX165.386,67 KčTorFx165.336,92 Kč

165.000
165.500
166.000
166.500
167.000
167.500
168.000
168.500
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5822 – 167.464,74 Kč
Key Currency Cheapest 5.5682 0,00 zł 167.046,08 Kč −418,66 Kč
Regency FX 5.5671 0,00 zł 167.012,59 Kč −452,15 Kč
TorFx 5.5654 0,00 zł 166.962,35 Kč −502,39 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5995 – 167.986,38 Kč
Key Currency Cheapest 5.5855 0,00 zł 167.566,41 Kč −419,97 Kč
Regency FX 5.5844 0,00 zł 167.532,82 Kč −453,56 Kč
TorFx 5.5827 0,00 zł 167.482,42 Kč −503,96 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5911 – 167.731,65 Kč
Key Currency Cheapest 5.5771 0,00 zł 167.312,32 Kč −419,33 Kč
Regency FX 5.5760 0,00 zł 167.278,77 Kč −452,88 Kč
TorFx 5.5743 0,00 zł 167.228,46 Kč −503,19 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5881 – 167.641,80 Kč
Key Currency Cheapest 5.5741 0,00 zł 167.222,70 Kč −419,10 Kč
Regency FX 5.5730 0,00 zł 167.189,17 Kč −452,63 Kč
TorFx 5.5713 0,00 zł 167.138,87 Kč −502,93 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5751 – 167.253,81 Kč
Key Currency Cheapest 5.5612 0,00 zł 166.835,68 Kč −418,13 Kč
Regency FX 5.5601 0,00 zł 166.802,22 Kč −451,59 Kč
TorFx 5.5584 0,00 zł 166.752,05 Kč −501,76 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5751 – 167.253,81 Kč
Key Currency Cheapest 5.5612 0,00 zł 166.835,68 Kč −418,13 Kč
Regency FX 5.5601 0,00 zł 166.802,22 Kč −451,59 Kč
TorFx 5.5584 0,00 zł 166.752,05 Kč −501,76 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5704 – 167.110,95 Kč
Key Currency Cheapest 5.5564 0,00 zł 166.693,17 Kč −417,78 Kč
Regency FX 5.5553 0,00 zł 166.659,75 Kč −451,20 Kč
TorFx 5.5537 0,00 zł 166.609,62 Kč −501,33 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5900 – 167.701,23 Kč
Key Currency Cheapest 5.5761 0,00 zł 167.281,98 Kč −419,25 Kč
Regency FX 5.5749 0,00 zł 167.248,44 Kč −452,79 Kč
TorFx 5.5733 0,00 zł 167.198,13 Kč −503,10 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5803 – 167.408,19 Kč
Key Currency Cheapest 5.5663 0,00 zł 166.989,67 Kč −418,52 Kč
Regency FX 5.5652 0,00 zł 166.956,19 Kč −452,00 Kč
TorFx 5.5635 0,00 zł 166.905,97 Kč −502,22 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5702 – 167.106,99 Kč
Key Currency Cheapest 5.5563 0,00 zł 166.689,22 Kč −417,77 Kč
Regency FX 5.5552 0,00 zł 166.655,80 Kč −451,19 Kč
TorFx 5.5535 0,00 zł 166.605,67 Kč −501,32 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5668 – 167.004,99 Kč
Key Currency Cheapest 5.5529 0,00 zł 166.587,48 Kč −417,51 Kč
Regency FX 5.5518 0,00 zł 166.554,08 Kč −450,91 Kč
TorFx 5.5501 0,00 zł 166.503,98 Kč −501,01 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5563 – 166.687,56 Kč
Key Currency Cheapest 5.5424 0,00 zł 166.270,84 Kč −416,72 Kč
Regency FX 5.5413 0,00 zł 166.237,50 Kč −450,06 Kč
TorFx 5.5396 0,00 zł 166.187,50 Kč −500,06 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5563 – 166.687,56 Kč
Key Currency Cheapest 5.5424 0,00 zł 166.270,84 Kč −416,72 Kč
Regency FX 5.5413 0,00 zł 166.237,50 Kč −450,06 Kč
TorFx 5.5396 0,00 zł 166.187,50 Kč −500,06 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5567 – 166.700,85 Kč
Key Currency Cheapest 5.5428 0,00 zł 166.284,10 Kč −416,75 Kč
Regency FX 5.5417 0,00 zł 166.250,76 Kč −450,09 Kč
TorFx 5.5400 0,00 zł 166.200,75 Kč −500,10 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5613 – 166.839,99 Kč
Key Currency Cheapest 5.5474 0,00 zł 166.422,89 Kč −417,10 Kč
Regency FX 5.5463 0,00 zł 166.389,52 Kč −450,47 Kč
TorFx 5.5446 0,00 zł 166.339,47 Kč −500,52 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5748 – 167.244,18 Kč
Key Currency Cheapest 5.5609 0,00 zł 166.826,07 Kč −418,11 Kč
Regency FX 5.5598 0,00 zł 166.792,62 Kč −451,56 Kč
TorFx 5.5581 0,00 zł 166.742,45 Kč −501,73 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5763 – 167.289,93 Kč
Key Currency Cheapest 5.5624 0,00 zł 166.871,71 Kč −418,22 Kč
Regency FX 5.5613 0,00 zł 166.838,25 Kč −451,68 Kč
TorFx 5.5596 0,00 zł 166.788,06 Kč −501,87 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5732 – 167.196,30 Kč
Key Currency Cheapest 5.5593 0,00 zł 166.778,31 Kč −417,99 Kč
Regency FX 5.5582 0,00 zł 166.744,87 Kč −451,43 Kč
TorFx 5.5565 0,00 zł 166.694,71 Kč −501,59 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5668 – 167.005,47 Kč
Key Currency Cheapest 5.5529 0,00 zł 166.587,96 Kč −417,51 Kč
Regency FX 5.5518 0,00 zł 166.554,56 Kč −450,91 Kč
TorFx 5.5501 0,00 zł 166.504,45 Kč −501,02 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5668 – 167.005,47 Kč
Key Currency Cheapest 5.5529 0,00 zł 166.587,96 Kč −417,51 Kč
Regency FX 5.5518 0,00 zł 166.554,56 Kč −450,91 Kč
TorFx 5.5501 0,00 zł 166.504,45 Kč −501,02 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5696 – 167.086,89 Kč
Key Currency Cheapest 5.5556 0,00 zł 166.669,17 Kč −417,72 Kč
Regency FX 5.5545 0,00 zł 166.635,76 Kč −451,13 Kč
TorFx 5.5529 0,00 zł 166.585,63 Kč −501,26 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5625 – 166.876,02 Kč
Key Currency Cheapest 5.5486 0,00 zł 166.458,83 Kč −417,19 Kč
Regency FX 5.5475 0,00 zł 166.425,45 Kč −450,57 Kč
TorFx 5.5458 0,00 zł 166.375,39 Kč −500,63 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5660 – 166.980,00 Kč
Key Currency Cheapest 5.5521 0,00 zł 166.562,55 Kč −417,45 Kč
Regency FX 5.5510 0,00 zł 166.529,15 Kč −450,85 Kč
TorFx 5.5493 0,00 zł 166.479,06 Kč −500,94 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Xe Cheapest 5.5284 0,00 zł 165.852,00 Kč –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5315 – 165.943,89 Kč
Key Currency Cheapest 5.5176 0,00 zł 165.529,03 Kč −414,86 Kč
Regency FX 5.5165 0,00 zł 165.495,84 Kč −448,05 Kč
TorFx 5.5149 0,00 zł 165.446,06 Kč −497,83 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5266 – 165.798,15 Kč
Key Currency Cheapest 5.5128 0,00 zł 165.383,65 Kč −414,50 Kč
Regency FX 5.5117 0,00 zł 165.350,49 Kč −447,66 Kč
TorFx 5.5100 0,00 zł 165.300,76 Kč −497,39 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5266 – 165.798,15 Kč
Key Currency Cheapest 5.5128 0,00 zł 165.383,65 Kč −414,50 Kč
Regency FX 5.5117 0,00 zł 165.350,49 Kč −447,66 Kč
TorFx 5.5100 0,00 zł 165.300,76 Kč −497,39 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5349 – 166.048,17 Kč
Key Currency Cheapest 5.5211 0,00 zł 165.633,05 Kč −415,12 Kč
Regency FX 5.5200 0,00 zł 165.599,84 Kč −448,33 Kč
TorFx 5.5183 0,00 zł 165.550,03 Kč −498,14 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5268 – 165.802,59 Kč
Key Currency Cheapest 5.5129 0,00 zł 165.388,08 Kč −414,51 Kč
Regency FX 5.5118 0,00 zł 165.354,92 Kč −447,67 Kč
TorFx 5.5102 0,00 zł 165.305,18 Kč −497,41 Kč
Exchange rateFeeRecipient getsDifference
Mid-market rate 5.5278 – 165.834,42 Kč
Key Currency Cheapest 5.5140 0,00 zł 165.419,83 Kč −414,59 Kč
Regency FX 5.5129 0,00 zł 165.386,67 Kč −447,75 Kč
TorFx 5.5112 0,00 zł 165.336,92 Kč −497,50 Kč

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 CZK 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 CZK on every transfer from Poland.

Right now, Key Currency pays 165,419.83 CZK on 30,000 PLN, which is 414.59 CZK less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 167,566.41 CZK.

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 Czech Republic.

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

  1. Key CurrencyAppeared in 29 comparisons

    Cheapest every time

  2. Regency FXAppeared in 29 comparisons

    Never the cheapest

  3. TorFxAppeared in 44 comparisons

    Cheapest in 34% 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 Key Currency 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 Czech Republic

9 companies send money from Poland to Czech Republic, across broker, online, app, 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, credit card, debit card, and blik.

Using BLIK is the simplest (and fastest) method to fund your transfer to Czech Republic.

Xe charges 0 PLN on a zł30,000 transfer and delivers 164,943 CZK in minutes - 24 hours, straight to the recipient's bank card or account.

Over the past month, Xe 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 CZK.

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

Sending 30,000 PLN gets you 164,943 CZK (after 0 fee and 0.54% 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 CZK in one account.

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

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

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

For example, it converts zł30,000 at 0% 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 CZK in Czech Republic

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 165,419.83 CZK.

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

Fund the transfer with BLIK

This is by far the quickest way to fund the transfer to Czech Republic.

Approve the payment in your Polish banking app using the six-digit BLIK code.

BLIK funds the balance, while the transfer company handles the payout in Czech Republic.

They can receive CZK via bank deposit and card deposit.

Receive CZK on a bank card

Your recipient can receive CZK on a supported card in Czech Republic. Check that their name and card details match before sending.

  1. 1
    Bank transfer Bank deposit

    You pay zł30,000.00

    Kč165,420

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay zł30,000.00

    Kč164,943

    -Kč477

  3. 3
    Credit card Bank deposit

    You pay zł30,000.00

    Kč164,943

    -Kč477

  4. 4
    Debit card Card deposit

    You pay zł30,000.00

    Kč160,867

    -Kč4,553

  5. 5
    Blik Card deposit

    You pay zł30,000.00

    Kč160,867

    -Kč4,553

Consider this when sending PLN to Czech Republic

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

Compare PLN/CZK transfer options

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

Cheapest way to send money to Czech Republic

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 165,419.83 CZK, which is 0.02% more than the next best option.

Fastest way to send money to Czech Republic

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 163,783.38 CZK, with the money arriving in same day.

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 9 of them on PLN to Czech Republic 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/CZK 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.