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

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

For sending PLN to Russia, we found that:

• Regency FX is our recommended company for sending money to Russia from PLN. Sending 30,000 PLN to RUB will cost you zł0 in fees, and you will receive 661,431.72 RUB.

• For a cheap way to send PLN to Russia, Regency FX is a great all round choice.

• Fastest money transfers to Russia from Poland is with Regency FX. For example, the transfer time for sending zł30,000 to Russia with Regency FX is minutes - 24 hours. But, it can be quicker or longer depending on the exact amount, as well as the day and time of your transfer.

We’ve compared 1 providers that provide services for sending Zloty to Russia. This ensures you will get the best options for your transfer to Russia from Poland.

Whilst we rate Regency FX as the best overall, comparing gives you a comprehensive view of all the options for transferring money from Poland to Russia.

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

The current rate between the Zloty and Russian Ruble is 22.1107.

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

• The Mid-Market and Exchange Rates: The current PLN-RUB mid-market rate is 22.1107 RUB per Zloty. Finding a provider as close to this number as possible will ensure more Russian Ruble for your money.

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

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

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

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

Bank transfers

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

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


is a leader in debit card payments for transfers from Poland to Russia, competing among a total of 1 active money transfer companies on this route.

Credit cards

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

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

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

There are different options for receiving Russian Ruble in Russia. 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 Russia will offer every method for incoming Russian Ruble, 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 Russia. For most part, this is because it means the recipient has to do very little.

Regency FX is the best company for bank transfers between Poland and Russia.

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 Regency FX.

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

Large transactions between Poland and Russia, can be subject to additional checks such as proof of funds for anti-money laundering purposes.

One of the reasons Regency FX has scored so highly for transfers to Russia is their easy sign up process in Poland.

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

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

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