How to send money to Nigeria from Poland with the best PLN-NGN rate

A comparison of providers offering services between Poland and Nigeria, based on your specific transfer amount is the best way to send money with the confidence you’re getting the best price.

Right now, converting PLN to NGN is:

• Wise is our recommended company for sending money to Nigeria from PLN. Sending 30,000 PLN to NGN will cost you zł259.05 in fees, and you will receive 10,960,997.38 NGN. The delivery time usually is within 3 hours, but can be longer depending when you make the transfer.

• Paysend offers the lowest cost transfers between Poland and Nigeria out of the 6 providers compared.

• Fastest money transfers option to Nigeria from Poland is via Revolut. For example, if you send 30,000 PLN with Revolut to Nigeria, the transfer time is within minutes.

We’ve compared 6 providers that provide services for sending Zloty to Nigeria. This ensures you will get the best options for your transfer to Nigeria from Poland.

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

The current rate between the Zloty and Naira is 363.1128, and it changes almost constantly.

Ensuring a strong combination of fees and exchange rates ensures the best deal on money transfers from Poland to Nigeria.

• The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more Naira for your Zloty. The current PLN-NGN mid-market rate is 363.1128 NGN per Zloty.

• Fees: Money transfer fees are charged on top the exchange rate and can be set, or a percentage of the total amount of Zloty you’re sending to Nigeria. Paysend currently is the cheapest option for transfers into NGN costing 0 PLN per transfer. We always recommend searching for your exact send amount for an exact fee.

• Amount Received: The amount received in Naira is the biggest indicator of the total cost of sending money to Nigeria from Poland. The bigger the amount received in Nigeria, the lower the overall cost of sending from Poland.

Understanding the averages, and then waiting a day or two can help you get more NGN 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 Nigeria.

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

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

Bank transfers

Bank transfers are often fastest, cheapest and best way to send money from Poland to Nigeria.

Using a money transfer company such as Wise for transfers from Poland to Nigeria, will mean being able to send money via a bank transfer while benefiting from lower fees and more favorable exchange rates. 


Debit and prepaid cards

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


Xe is the cheapest option for sending money with a debit card between Poland and Nigeria. This is of the 6 money transfer companies offering debit card payments on this route.

Credit cards

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

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 Nigeria

Some companies offering money transfers between Poland and Nigeria 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-NGN rates for your specific transfer amount. For regular transfers to Nigeria, shopping around each time can make a huge difference.

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

There are different options for receiving Naira in Nigeria. 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 Nigeria will offer every method for incoming Naira, 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 Nigeria. 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 Nigeria.

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 Paysend.

When sending Zloty to Nigeria, 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 Nigeria it will be similar.

Large transactions between Poland and Nigeria, 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 Nigeria is their easy sign up process in Poland.

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

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

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