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

An exchange rate determines the price you will pay when buying Yen. A better exchange rate means more money sent from Poland to Japan.

The current rate between the Zloty and Yen is 42.9143.

When calculating the cost of sending money from Poland to Japan, a combination of fees and exchange rates ensure the best deal:

• The Mid-Market and Exchange Rates: The current PLN-JPY mid-market rate is 42.9143 JPY per Zloty. Finding a provider as close to this number as possible will ensure more Yen for your money.

• Fees: Transfer fees are charged on top of a transfer. Key Currency currently offers lowest fees of 0 PLN. Although we recommend searching for your exact send amount for an exact fee.

• Amount Received: The total amount received in Yen is the biggest indicator in the total cost of sending money to Poland from Japan. The higher the total amount received in Japan, the lower the cost of sending from Poland.

Understanding the averages, and then waiting a day or two can help you get more JPY for the same amount of Zloty.

A better option is to use a forward contract that also allows you to lock in an agreed exchange rate between Poland and Japan.

A bank transfer is the payment method that will get you the best price on a transfer from Poland to Japan.

Here are all the ways to send money from Poland to Japan:

Bank transfers

Bank transfers are often the default option for sending money from Poland to Japan.

By using a money transfer company such as Key Currency for transfers from Poland to Japan, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates. 


Debit and prepaid cards

Sending money from Poland to Japan with a debit or a prepaid card is very simple with Xe.


Xe is a leader in debit card payments for transfers from Poland to Japan, competing among a total of 10 active money transfer companies on this route.

Credit cards

When it comes to credit card transfers from Poland to Japan, we recommend comparing your options to get the best deal.

Not many companies offer direct credit card deposits, and usually, it means taking a cash advance and using that for the deposit, which ends up more expensive.

and have different regulations and ensuring you fully understand these regulations will aid in keeping your money safe.

Our directory of worldwide financial regulators contains details on regulation for money transfers between Poland and Japan

Some companies offering money transfers between Poland and Japan have minimum or maximum thresholds on how much you can send or receive.

Rates and fees for different transfer amounts could change - that’s why it’s best to compare PLN-JPY rates for your specific transfer amount. For regular transfers to Japan, shopping around each time can make a huge difference.

For sending large amounts of PLN to Japan, we’d recommend Wise. They offer a solid combination of rates and fees when sending from Poland to Japan that is the most competitive, even at larger amounts.

There are different options for receiving Yen in Japan. The most popular are direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account. Not all providers offering transfers from Poland to Japan will offer every method for incoming Yen, so it’s best to check ahead of time.

Sending directly to a bank account is one of the most common ways to send money from Poland to Japan. For most part, this is because it means the recipient has to do very little.

Wise is the best company for bank transfers between Poland and Japan.

Mobile wallet or P2P services and payment apps like PayPal, Xoom, and CashApp are popular because of convenience, but they come with more limitations and higher costs compared to money transfer providers like Key Currency.

When sending Zloty to Japan, through a money transfer company, you will need to verify your ID at the sign up stage.

The documents you need will vary and in some cases you might need a couple of options.

For the most part, ID can be verified in Poland through a government issued ID such as a passport or driver's license. If the recipient needs an ID to collect money in Japan it will be similar.

Large transactions between Poland and Japan, can be subject to additional checks such as proof of funds for anti-money laundering purposes.

One of the reasons Wise has scored so highly for transfers to Japan is their easy sign up process in Poland.

As well as proof of funds, when sending large amounts of money between Poland and Japan.

Some transfers into Yen may need to be reported to tax authorities in Japan as well, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances will change in Japan based on age, income and a few other elements. When in doubt, please contact a tax professional in Poland or Japan to discuss your personal circumstances to ensure you are not missing any specific tax declarations.