We’ve analysed and compared 6 money transfer companies below for PLN/NGN transfers.
| 6 of 6 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze PLN/NGN exchange rates from our comparisons. | |||
| Based on 30,000 PLN transfer Best companies for PLN/NGN transfersAll money transfer offers for PLN/NGN transfers, sorted by most NGN received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee 258,48 zł 1 PLN = 368.5600 NGN -3.38% vs mid-market | Recipient gets 10.961.534,61 ₦ Within 3 hours | |
Ways to receive money in Nigeria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer 258,48 zł1 PLN = 368.5600 NGN 10.961.534,61 ₦You pay30.000,00 zł | |||
| Promoted  Xe Pay via Debit card | Fee 0,00 zł 1 PLN = 340.7658 NGN +4.46% vs mid-market | Recipient gets 10.222.974,00 ₦ Minutes - 24 hours | |
Ways to receive money in Nigeria with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PLN = 340.7658 NGN 10.222.974,00 ₦You pay30.000,00 zł | |||
Run a live search Showing top Poland to Nigeria deals for 30,000 PLN. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live PLN to NGN rates. | |||
Run a live search These companies offer multi-currency accounts for spending NGN. We suggest doing a live search based on how much PLN you're planning to spend in Nigeria. | |||
Run a live search These are managed services with real human support for large PLN transfers. Click the link and update the transfer amount to get the best deal. | |||
| Wise Pay via Bank transfer | Fee 258,48 zł 1 PLN = 368.5600 NGN -3.38% vs mid-market | Recipient gets 10.961.534,61 ₦ Within 3 hours | |
Ways to receive money in Nigeria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer 258,48 zł1 PLN = 368.5600 NGN 10.961.534,61 ₦You pay30.000,00 zł | |||
 TapTap Send Pay via Debit card | Fee 0,00 zł 1 PLN = 361.5800 NGN -1.47% vs mid-market | Recipient gets 10.847.400,00 ₦ Minutes | |
Ways to receive money in Nigeria with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 PLN = 361.5800 NGN 10.847.400,00 ₦You pay30.000,00 zł Mobile moneyMinutesAvailable via:FairMoney, Kuda Bank, OPay, PalmPay Free1 PLN = 361.5800 NGN 10.847.400,00 ₦You pay30.000,00 zł | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee 0,00 zł 1 PLN = 355.3410 NGN +0.27% vs mid-market | Recipient gets 10.660.230,03 ₦ Minutes - 24 hours | |
Ways to receive money in Nigeria with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PLN = 355.3410 NGN 10.660.230,03 ₦You pay30.000,00 zł | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee 0,00 zł 1 PLN = 352.6915 NGN +1.02% vs mid-market | Recipient gets 10.580.745,90 ₦ Minutes - 2 days | |
Ways to receive money in Nigeria with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 PLN = 352.6915 NGN 10.580.745,90 ₦You pay30.000,00 zł | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee 275,00 zł 1 PLN = 353.9863 NGN +0.65% vs mid-market | Recipient gets 10.522.244,05 ₦ Within minutes | |
Ways to receive money in Nigeria with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes 275,00 zł1 PLN = 353.9863 NGN 10.522.244,05 ₦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 = 340.7658 NGN +4.46% vs mid-market | Recipient gets 10.222.974,00 ₦ Minutes - 24 hours | |
Ways to receive money in Nigeria with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PLN = 340.7658 NGN 10.222.974,00 ₦You pay30.000,00 zł | |||
| Xe Pay via Bank transfer | Fee 0,00 zł 1 PLN = 340.7658 NGN +4.46% vs mid-market | Recipient gets 10.222.974,00 ₦ Minutes - 24 hours | |
Ways to receive money in Nigeria with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PLN = 340.7658 NGN 10.222.974,00 ₦You pay30.000,00 zł | |||
| Xe Pay via Credit card | Fee 0,00 zł 1 PLN = 340.7658 NGN +4.46% vs mid-market | Recipient gets 10.222.974,00 ₦ Minutes - 24 hours | |
Ways to receive money in Nigeria with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PLN = 340.7658 NGN 10.222.974,00 ₦You pay30.000,00 zł | |||
| How Our Results Work Mid-market rate: 1 PLN = 356.303019 NGN Updates every 60 minutes. | |||
Transfer details
Start with the cheapest option, which is Wise. It will get you the most NGN on a PLN 30,000 transfer.
This heavily depends on how much you send, so I suggest to get the best PLN/NGN rate.
You can fund your transfer to Nigeria using bank transfer, debit card, and credit card.
Depending on the transfer company, you can use BLIK, which is the quickest and easiest.
Before you send, you'll need to verify your account.
You'll need a photo ID and your PESEL.
6 companies send money from Poland to Nigeria, across app, online, multi-currency account, global account, and broker, and more.
Simplest way to send PLN
Most transfer apps let you fund transfers via Apple Pay, Google Pay, bank transfer, debit card, and credit card.
Wise charges 258.48 PLN on a zł30,000 transfer and delivers 10,961,534.61 NGN in same day, straight to the recipient's bank card or account.
Mid-size and one-off 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 NGN.
The cheapest way to send money online from Poland to Nigeria is via Wise.
Sending 30,000 PLN gets you 10,961,534.61 NGN (after 258.48 fee and -3.38% markup).
Converting and spending
Multi currency accounts let you hold PLN and NGN in one account.
This is useful for travelling to Nigeria, getting paid in NGN, or pre-converting when PLN/NGN rate is good.
You can convert between them whenever you want, and once you have NGN there are no fees after.
The best multi-currency account for holding PLN and NGN is Wise.
For example, it converts zł30,000 at -3.38% markup and small fee.
For freelancers and businesses
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.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 10,961,534.61 NGN.
Deposit PLN through bank transfer, debit card, and credit card.
They can receive NGN via bank deposit and mobile money.
You pay zł30,000.00
₦10,961,535
Cheapest
You pay zł30,000.00
₦10,847,400
-₦114,135
You pay zł30,000.00
₦10,847,400
-₦114,135
You pay zł30,000.00
₦10,222,974
-₦738,561
There are a few nuances when sending money from Poland to Nigeria.
For a 30,000 PLN transfer to Nigeria, these are the cheapest, fastest and easiest options.
Cheapest way to send money to Nigeria
The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 10,961,534.61 NGN, which is 1.04% more than the next best option.
Fastest way to send money to Nigeria
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 10,522,244.05 NGN, with the money arriving in within minutes.
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.
A small change in the PLN/NGN rate can make a difference to the amount received, especially on regular transfers to Nigeria.
Mid-market rate:1 PLN = 356.111509 NGN
Every company here is KNF-registered or passported into Poland, and we check that before anything else.
We track 6 of them on PLN to Nigeria in real time on live comparisons. Polish banks have caught up on rates, so we compare both rather than assuming the bank loses.
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.
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