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

We’ve analysed and compared 8 money transfer companies below for PLN/SEK transfers.

Best companies for PLN/SEK transfers

8 of 8 providers

Last updated on 28 October 2026

Based on 30,000 PLN transfer

Best companies for PLN/SEK transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 198,72 zł 1 PLN = 2.5128 SEK 0.00% vs mid-market Recipient gets 74.883,76 kr Within an hour
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Sweden with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin an hourAvailable via:Bank Transfer
198,72 zł1 PLN = 2.5128 SEK
74.883,76 krYou pay30.000,00 zł
Promoted

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 2.4978 SEK +0.60% vs mid-market Recipient gets 74.934,00 kr Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Sweden with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 2.4978 SEK
74.934,00 krYou pay30.000,00 zł

Run a live search

Showing top Poland to Sweden deals for 30,000 PLN. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 2.5066 SEK +0.25% vs mid-market Recipient gets 75.197,96 kr Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

Ways to receive money in Sweden with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 PLN = 2.5066 SEK
75.197,96 krYou pay30.000,00 zł
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 2.5061 SEK +0.27% vs mid-market Recipient gets 75.182,89 kr Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Sweden with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 2.5061 SEK
75.182,89 krYou pay30.000,00 zł

TorFx

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 2.5053 SEK +0.30% vs mid-market Recipient gets 75.160,27 kr Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in Sweden with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 2.5053 SEK
75.160,27 krYou pay30.000,00 zł

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 2.4978 SEK +0.60% vs mid-market Recipient gets 74.934,00 kr Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Sweden with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 2.4978 SEK
74.934,00 krYou pay30.000,00 zł

Xe

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 2.4978 SEK +0.60% vs mid-market Recipient gets 74.934,00 kr Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Sweden with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 2.4978 SEK
74.934,00 krYou pay30.000,00 zł

Xe

Pay via Credit card
Fee 0,00 zł 1 PLN = 2.4978 SEK +0.60% vs mid-market Recipient gets 74.934,00 kr Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Sweden with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 2.4978 SEK
74.934,00 krYou pay30.000,00 zł

Wise

Pay via Bank transfer
Fee 198,72 zł 1 PLN = 2.5128 SEK 0.00% vs mid-market Recipient gets 74.883,76 kr Within an hour
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Sweden with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin an hourAvailable via:Bank Transfer
198,72 zł1 PLN = 2.5128 SEK
74.883,76 krYou pay30.000,00 zł

CurrencyFair

Pay via Bank transfer
Fee 11,94 zł 1 PLN = 2.4935 SEK +0.77% vs mid-market Recipient gets 74.775,00 kr Minutes - 24 hours
Receive to bank account

Ways to receive money in Sweden with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
11,94 zł1 PLN = 2.4935 SEK
74.775,00 krYou pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 295,00 zł 1 PLN = 2.5082 SEK +0.19% vs mid-market Recipient gets 74.505,69 kr Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Sweden with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
295,00 zł1 PLN = 2.5082 SEK
74.505,69 krYou 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.

Moneycorp

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 2.4777 SEK +1.40% vs mid-market Recipient gets 74.331,02 kr Minutes - 2 days

Ways to receive money in Sweden with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 PLN = 2.4777 SEK
74.331,02 krYou pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee 460,00 zł 1 PLN = 2.5082 SEK +0.19% vs mid-market Recipient gets 74.091,84 kr Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Sweden with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
460,00 zł1 PLN = 2.5082 SEK
74.091,84 krYou 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.

How Our Results Work
Mid-market rate: 1 PLN = 2.5129 SEK Updates every 60 minutes.

How to send money from Poland to Sweden

Pick a company

Start with the cheapest option, which is Key Currency. It will get you the most SEK on a PLN 30,000 transfer.

Key Currency was the cheapest on 11 of the 29 days it quoted zł30,000 transfers to Sweden.

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

Fund your transfer

You can fund your transfer to Sweden 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 Sweden?

How much PLN you send to Sweden 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 Key Currency was the cheapest in 38% of the transfers from PLN 20,000 it quoted, and in 38% of all the transfers it quoted.

Cheapest service
2.000 zł-1.81%0,00 zł5.122,80 krwith bank transfer to bank deposit+170,78 kr
5.000 zł-1.83%0,00 zł12.807,00 krwith bank transfer to bank deposit+402,19 kr
10.000 zł-1.91%0,00 zł25.614,00 krwith bank transfer to bank deposit+838,64 kr
20.000 zł-1.87%0,00 zł51.228,00 krwith bank transfer to bank deposit+1.344,58 kr
30.000 złThis page0.25%0,00 zł75.197,96 krwith bank transfer to bank deposit+386,10 kr

Mid-market rate: 1 PLN = 2.5129 SEK

PLN/SEK Exchange Rate History

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

The cheapest way to send PLN to SEK 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 Key Currency), across 30 days of comparisons for 30,000 PLN transfers to Sweden.

SEK received for 30.000 zł, after fees

Wed, 28 Oct 2026Mid-market rate75.386,43 kr Key Currency 75.197,96 krKey Currency75.197,96 krRegency FX75.182,89 krTorFx75.160,27 kr

74.000
75.000
76.000
77.000
78.000
79.000
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5950 – 77.849,13 kr
Key Currency Cheapest 2.5885 0,00 zł 77.654,51 kr −194,62 kr
Regency FX 2.5880 0,00 zł 77.638,94 kr −210,19 kr
TorFx 2.5872 0,00 zł 77.615,58 kr −233,55 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5965 – 77.896,47 kr
Key Currency Cheapest 2.5901 0,00 zł 77.701,73 kr −194,74 kr
Regency FX 2.5895 0,00 zł 77.686,15 kr −210,32 kr
TorFx 2.5888 0,00 zł 77.662,78 kr −233,69 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5958 – 77.873,28 kr
Key Currency Cheapest 2.5893 0,00 zł 77.678,60 kr −194,68 kr
Regency FX 2.5888 0,00 zł 77.663,02 kr −210,26 kr
TorFx 2.5880 0,00 zł 77.639,66 kr −233,62 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5802 – 77.404,83 kr
Key Currency Cheapest 2.5737 0,00 zł 77.211,32 kr −193,51 kr
Regency FX 2.5732 0,00 zł 77.195,84 kr −208,99 kr
TorFx 2.5724 0,00 zł 77.172,62 kr −232,21 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5772 – 77.315,82 kr
Key Currency Cheapest 2.5708 0,00 zł 77.122,53 kr −193,29 kr
Regency FX 2.5702 0,00 zł 77.107,07 kr −208,75 kr
TorFx 2.5695 0,00 zł 77.083,87 kr −231,95 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5772 – 77.315,82 kr
Key Currency Cheapest 2.5708 0,00 zł 77.122,53 kr −193,29 kr
Regency FX 2.5702 0,00 zł 77.107,07 kr −208,75 kr
TorFx 2.5695 0,00 zł 77.083,87 kr −231,95 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5677 – 77.030,79 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr −188,79 kr
Key Currency 2.5613 0,00 zł 76.838,21 kr −192,58 kr
Regency FX 2.5608 0,00 zł 76.822,81 kr −207,98 kr
TorFx 2.5600 0,00 zł 76.799,70 kr −231,09 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5697 – 77.090,49 kr
Key Currency Cheapest 2.5633 0,00 zł 76.897,76 kr −192,73 kr
Regency FX 2.5627 0,00 zł 76.882,35 kr −208,14 kr
TorFx 2.5620 0,00 zł 76.859,22 kr −231,27 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5553 – 76.659,45 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +182,55 kr
Key Currency 2.5489 0,00 zł 76.467,80 kr −191,65 kr
Regency FX 2.5484 0,00 zł 76.452,47 kr −206,98 kr
TorFx 2.5476 0,00 zł 76.429,47 kr −229,98 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5543 – 76.630,50 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +211,50 kr
Key Currency 2.5480 0,00 zł 76.438,92 kr −191,58 kr
Regency FX 2.5475 0,00 zł 76.423,60 kr −206,90 kr
TorFx 2.5467 0,00 zł 76.400,61 kr −229,89 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5528 – 76.585,02 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +256,98 kr
Key Currency 2.5465 0,00 zł 76.393,56 kr −191,46 kr
Regency FX 2.5459 0,00 zł 76.378,24 kr −206,78 kr
TorFx 2.5452 0,00 zł 76.355,26 kr −229,76 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5528 – 76.585,02 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +256,98 kr
Key Currency 2.5465 0,00 zł 76.393,56 kr −191,46 kr
Regency FX 2.5459 0,00 zł 76.378,24 kr −206,78 kr
TorFx 2.5452 0,00 zł 76.355,26 kr −229,76 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5526 – 76.577,34 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +264,66 kr
Key Currency 2.5462 0,00 zł 76.385,90 kr −191,44 kr
Regency FX 2.5457 0,00 zł 76.370,58 kr −206,76 kr
TorFx 2.5449 0,00 zł 76.347,61 kr −229,73 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5532 – 76.597,32 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +244,68 kr
Key Currency 2.5469 0,00 zł 76.405,83 kr −191,49 kr
Regency FX 2.5464 0,00 zł 76.390,51 kr −206,81 kr
TorFx 2.5456 0,00 zł 76.367,53 kr −229,79 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5604 – 76.811,85 kr
Key Currency Cheapest 2.5540 0,00 zł 76.619,82 kr −192,03 kr
Regency FX 2.5535 0,00 zł 76.604,46 kr −207,39 kr
TorFx 2.5527 0,00 zł 76.581,41 kr −230,44 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5575 – 76.724,04 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +117,96 kr
Key Currency 2.5511 0,00 zł 76.532,23 kr −191,81 kr
Regency FX 2.5506 0,00 zł 76.516,89 kr −207,15 kr
TorFx 2.5498 0,00 zł 76.493,87 kr −230,17 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5493 – 76.478,55 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +363,45 kr
Key Currency 2.5429 0,00 zł 76.287,35 kr −191,20 kr
Regency FX 2.5424 0,00 zł 76.272,06 kr −206,49 kr
TorFx 2.5416 0,00 zł 76.249,11 kr −229,44 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5493 – 76.479,66 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +362,34 kr
Key Currency 2.5429 0,00 zł 76.288,46 kr −191,20 kr
Regency FX 2.5424 0,00 zł 76.273,16 kr −206,50 kr
TorFx 2.5417 0,00 zł 76.250,22 kr −229,44 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5493 – 76.479,66 kr
Key Currency Cheapest 2.5429 0,00 zł 76.288,46 kr −191,20 kr
Regency FX 2.5424 0,00 zł 76.273,16 kr −206,50 kr
TorFx 2.5417 0,00 zł 76.250,22 kr −229,44 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5430 – 76.290,36 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +551,64 kr
Key Currency 2.5367 0,00 zł 76.099,63 kr −190,73 kr
Regency FX 2.5361 0,00 zł 76.084,38 kr −205,98 kr
TorFx 2.5354 0,00 zł 76.061,49 kr −228,87 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5417 – 76.251,21 kr
Key Currency Cheapest 2.5354 0,00 zł 76.060,58 kr −190,63 kr
Regency FX 2.5348 0,00 zł 76.045,33 kr −205,88 kr
TorFx 2.5341 0,00 zł 76.022,46 kr −228,75 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5468 – 76.404,03 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +437,97 kr
Key Currency 2.5404 0,00 zł 76.213,02 kr −191,01 kr
Regency FX 2.5399 0,00 zł 76.197,74 kr −206,29 kr
TorFx 2.5392 0,00 zł 76.174,82 kr −229,21 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5451 – 76.351,74 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +490,26 kr
Key Currency 2.5387 0,00 zł 76.160,86 kr −190,88 kr
Regency FX 2.5382 0,00 zł 76.145,59 kr −206,15 kr
TorFx 2.5374 0,00 zł 76.122,68 kr −229,06 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5315 – 75.943,98 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +898,02 kr
Key Currency 2.5251 0,00 zł 75.754,12 kr −189,86 kr
Regency FX 2.5246 0,00 zł 75.738,93 kr −205,05 kr
TorFx 2.5239 0,00 zł 75.716,15 kr −227,83 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5272 – 75.815,49 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +1.026,51 kr
Key Currency 2.5209 0,00 zł 75.625,95 kr −189,54 kr
Regency FX 2.5204 0,00 zł 75.610,79 kr −204,70 kr
TorFx 2.5196 0,00 zł 75.588,04 kr −227,45 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5272 – 75.815,49 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +1.026,51 kr
Key Currency 2.5209 0,00 zł 75.625,95 kr −189,54 kr
Regency FX 2.5204 0,00 zł 75.610,79 kr −204,70 kr
TorFx 2.5196 0,00 zł 75.588,04 kr −227,45 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5311 – 75.932,61 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +909,39 kr
Key Currency 2.5248 0,00 zł 75.742,78 kr −189,83 kr
Regency FX 2.5243 0,00 zł 75.727,59 kr −205,02 kr
TorFx 2.5235 0,00 zł 75.704,81 kr −227,80 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5204 – 75.611,70 kr
Currencies Direct Cheapest 2.5614 0,00 zł 76.842,00 kr +1.230,30 kr
Key Currency 2.5141 0,00 zł 75.422,67 kr −189,03 kr
Regency FX 2.5136 0,00 zł 75.407,55 kr −204,15 kr
TorFx 2.5128 0,00 zł 75.384,86 kr −226,84 kr
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.5129 – 75.386,43 kr
Key Currency Cheapest 2.5066 0,00 zł 75.197,96 kr −188,47 kr
Regency FX 2.5061 0,00 zł 75.182,89 kr −203,54 kr
TorFx 2.5053 0,00 zł 75.160,27 kr −226,16 kr

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send 30.000 zł, after fees, as quoted by each company. The mid-market line shows what 30.000 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 SEK per PLN than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 17 of the last 30 days.

Right now, Key Currency pays 75,197.96 SEK on 30,000 PLN, which is 188.47 SEK less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 77,701.73 SEK.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

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 Sweden.

We've tracked 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Key CurrencyAppeared in 29 comparisons

    Cheapest in 38% of them

  2. Regency FXAppeared in 29 comparisons

    Never the cheapest

  3. TorFxAppeared in 43 comparisons

    Cheapest in 5% of them

Based on 94 comparisons across 5 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 Key Currency is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from Poland to Sweden

8 companies send money from Poland to Sweden, across broker, online, app, global account, and multi-currency account, 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.

Xe charges 0 PLN on a zł30,000 transfer and delivers 74,934 SEK in minutes - 24 hours, straight to the recipient's bank card or account.

Over the past month, Xe was the cheapest app on 67% of the days it appeared for zł30,000 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 Xe move money inside their own network instead, which is much cheaper and gets you more SEK.

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

Sending 30,000 PLN gets you 74,934 SEK (after 0 fee and 0.6% markup).

In our comparisons over the past month, it was the cheapest online service on 20 of the 30 days it quoted.

Converting and spending

Multi-currency accounts

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

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

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

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

For example, it converts zł30,000 at 0% markup and a small fee.

Over the past month, Wise came out cheapest among multi-currency accounts on 27% 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 SEK in Sweden

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 75,197.96 SEK.

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

They can receive SEK via bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay zł30,000.00

    kr75,198

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay zł30,000.00

    kr74,934

    -kr264

  3. 3
    Credit card Bank deposit

    You pay zł30,000.00

    kr74,934

    -kr264

Consider this when sending PLN to Sweden

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

Compare PLN/SEK transfer options

For a 30,000 PLN transfer to Sweden, these are the cheapest, fastest and easiest options.

Cheapest way to send money to Sweden

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 75,197.96 SEK, which is 0.02% more than the next best option.

Fastest way to send money to Sweden

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 74,505.69 SEK, 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 8 of them on PLN to Sweden 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 94 comparisons across 5 amounts.

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