Best companies for PLN/PLN transfers
2 of 2 providers Last updated on 10 November 2026
Based on 7,400 PLN transfer Best companies for PLN/PLN transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee 3,61 zł 1 PLN = 1.0000 PLN 0.00% vs mid-market	Recipient gets 7.396,39 zł Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer 3,61 zł1 PLN = 1.0000 PLN 7.396,39 złYou pay7.400,00 zł
Run a live search Showing top Poland to Poland deals for 7,400 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 PLN rates.
Run a live search These companies offer multi-currency accounts for spending PLN. We suggest doing a live search based on how much PLN you're planning to spend in Poland.
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.
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee 0,00 zł 1 PLN = 1.0000 PLN 0.00% vs mid-market	Recipient gets 7.400,00 zł Within minutes
10 reviews CheapestFastest Multi-currency cardReceive to bank account
Ways to receive money in Poland with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 PLN = 1.0000 PLN 7.400,00 złYou pay7.400,00 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.
Wise Pay via Bank transfer	Fee 3,61 zł 1 PLN = 1.0000 PLN 0.00% vs mid-market	Recipient gets 7.396,39 zł Next day
25 reviews Our top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer 3,61 zł1 PLN = 1.0000 PLN 7.396,39 złYou pay7.400,00 zł
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee 51,80 zł 1 PLN = 1.0000 PLN 0.00% vs mid-market	Recipient gets 7.348,20 zł Within minutes
10 reviews Multi-currency cardReceive to bank account
Ways to receive money in Poland with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes 51,80 zł1 PLN = 1.0000 PLN 7.348,20 złYou pay7.400,00 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.
Wise Pay via Debit card	Fee 85,53 zł 1 PLN = 1.0000 PLN 0.00% vs mid-market	Recipient gets 7.314,47 zł Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Poland with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer 85,53 zł1 PLN = 1.0000 PLN 7.314,47 złYou pay7.400,00 zł
Wise Pay via Credit card	Fee 128,68 zł 1 PLN = 1.0000 PLN 0.00% vs mid-market	Recipient gets 7.271,32 zł Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Poland with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer 128,68 zł1 PLN = 1.0000 PLN 7.271,32 złYou pay7.400,00 zł
How Our Results Work Mid-market rate: 1 PLN = 1.0000 PLN Updates every 60 minutes.

Why compare

PLN/PLN exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Poland to Poland

Pick a company

Start with the cheapest option, which is Revolut. It will get you the most PLN on a PLN 7,400 transfer.

Revolut was the cheapest on 29 of the 29 days it quoted zł7,400 transfers to Poland.

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

Fund your transfer

You can fund your transfer to Poland using bank transfer, debit card, and credit card.

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 Poland?

How much PLN you send to Poland 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 Revolut was the cheapest in 100% of the transfers from PLN 20,000 it quoted, and in 100% of all the transfers it quoted.


2.000 zł	0.00%	2.000,00 złwith bank transfer to bank deposit	+16,14 zł
5.000 zł	0.00%	5.000,00 złwith bank transfer to bank deposit	+37,13 zł
7.400 złThis page	0.00%	7.400,00 złwith bank transfer to bank deposit	+53,92 zł
10.000 zł	0.00%	10.000,00 złwith bank transfer to bank deposit	+72,12 zł
20.000 zł	0.00%	20.000,00 złwith bank transfer to bank deposit	+47,87 zł
30.000 zł	0.00%	30.000,00 złwith bank transfer to bank deposit	+71,20 zł

Mid-market rate: 1 PLN = 1.0000 PLN

PLN/PLN Exchange Rate History

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

The cheapest way to send PLN to PLN 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 Revolut), across 30 days of comparisons for 7,400 PLN transfers to Poland.

Each line shows what the recipient gets when you send 7.400 zł, after fees, as quoted by each company. The mid-market line shows what 7.400 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 PLN 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 PLN on every transfer from Poland.

Today's payout is the highest in the past month.

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 Poland.

We've tracked 176 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

RevolutAppeared in 164 comparisons
Cheapest every time
WiseAppeared in 175 comparisons
Cheapest in 7% of them

Based on 176 comparisons across 6 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 Revolut is the cheapest and gets you the most PLN, and it was also the cheapest in 100% of the 164 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Poland.

Wise (today's second cheapest) was the cheapest in only 7% of its comparisons, so it's rarely the cheapest option for transfers to Poland.

Ways to send money from Poland to Poland

2 companies send money from Poland to Poland, across app, multi-currency account, global business account, and online, 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, and credit card.

Revolut charges 0 PLN on a zł7,400 transfer and delivers 7,400 PLN in within minutes, straight to the recipient's bank card or account.

Over the past month, Revolut was the cheapest app on 100% of the days it appeared for zł7,400 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 Wise move money inside their own network instead, which is much cheaper and gets you more PLN.

The cheapest way to send money online from Poland to Poland is via Wise.

Sending 7,400 PLN gets you 7,396.39 PLN (after 3.61 fee and 0% markup).

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Converting and spending

Multi-currency accounts

Multi-currency accounts let you hold PLN and PLN in one account.

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

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

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

For example, it converts zł7,400 at 0% markup and a small fee.

Over the past month, Revolut 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 PLN in Poland

With Revolut, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 7,400 PLN gives your recipient 7,400 PLN.

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

They can receive PLN via bank deposit.

1

Bank transfer Bank deposit

You pay zł7,400.00

zł7,400

Cheapest
2

Debit card Bank deposit

You pay zł7,400.00

zł7,348

-zł52
3

Credit card Bank deposit

You pay zł7,400.00

zł7,271

-zł129

Consider this when sending PLN to Poland

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

Compare PLN/PLN transfer options

For a 7,400 PLN transfer to Poland, these are the cheapest, fastest and easiest options.

Cheapest way to send money to Poland

The cheapest option is Revolut, funded by bank transfer with bank deposit for the payout. Your recipient gets 7,400 PLN, which is 0.05% more than the next best option.

Fastest way to send money to Poland

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 7,400 PLN, with the money arriving in within minutes.

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 2 of them on PLN to Poland 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 176 comparisons across 6 amounts.

This page covers the cheapest and fastest options for PLN/PLN 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.

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Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.0000	–	7.400,00 zł
Wise Cheapest	1.0000	3,61 zł	7.396,39 zł	−3,61 zł
Revolut No quote collected this day	–	–	–	–

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

Best companies for PLN/PLN transfers