How to send money to Japan from Poland with the best PLN-JPY rate

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

Cheapest way to send money to Japan

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 1,259,003.58 JPY, which is 0.02% more than the next best option.

Fastest way to send money to Japan

The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 1,258,751.15 JPY, with the money arriving in minutes - 24 hours.

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.

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 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.