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

We’ve analysed and compared 2 money transfer companies below for PLN/PLN transfers.

Best companies for PLN/PLN transfers

2 of 2 providers

Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze PLN/PLN exchange rates from our comparisons.

Based on 7,400 PLN transfer

Best companies for PLN/PLN transfers

All money transfer offers for PLN/PLN transfers, sorted by most PLN received. The first two offers may be sponsored promotions. Some offers here pay us a commission.
Sort Cheapest
Promoted
Wise

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 Within a week
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 depositWithin a weekAvailable 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.
Pricing based on Revolut Standard plan
Revolut

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
CheapestUsing Bank transfer with Revolut is the cheapest way to send money to Poland from Poland.FastestRevolut with Bank transfer deposit is the fastest way to send PLN to Poland.
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

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 Within a week
RecommendedBased on our editorial reviews, Wise is our recommended way to send money from Poland to Poland.
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 depositWithin a weekAvailable 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

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
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

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 Within a week
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 depositWithin a weekAvailable via:Bank Transfer
85,53 zł1 PLN = 1.0000 PLN
7.314,47 złYou pay7.400,00 zł
Wise

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 Within a week
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 depositWithin a weekAvailable 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 = 1.000000 PLN Updates every 60 minutes.

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.

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.

Ways to send money from Poland to Poland

2 companies send money from Poland to Poland, across app, multi-currency account, global 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.

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).

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 small fee.

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. 1
    Bank transfer Bank deposit

    You pay zł7,400.00

    zł7,400

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay zł7,400.00

    zł7,348

    -zł52

  3. 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.

BGS 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.

Live PLN-PLN Exchange Rate

Check the PLN to PLN exchange rate

A small change in the PLN/PLN rate can make a difference to the amount received, especially on regular transfers to Poland.

Mid-market rate:1 PLN = 1.00 PLN

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.

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.