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

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

The current rate between the Zloty and Zloty is 1.

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

• The Mid-Market and Exchange Rates: The current PLN-PLN mid-market rate is 1 PLN per Zloty. Finding a provider as close to this number as possible will ensure more Zloty for your money.

• Fees: Transfer fees are charged on top of a transfer. Revolut 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 Zloty is the biggest indicator in the total cost of sending money to Poland from Poland. The higher the total amount received in Poland, the lower the cost of sending from Poland.

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

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

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

Bank transfers

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

By using a money transfer company such as Revolut for transfers from Poland to Poland, 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 Poland with a debit or a prepaid card is very simple with Wise.


Wise is a leader in debit card payments for transfers from Poland to Poland, competing among a total of 2 active money transfer companies on this route.

Credit cards

When it comes to credit card transfers from Poland to Poland, 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 Poland

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

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

There are different options for receiving Zloty in Poland. 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 Poland will offer every method for incoming Zloty, 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 Poland. 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 Poland.

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 Revolut.

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

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

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

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

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