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

We’ve analysed and compared 11 money transfer companies below for PLN/THB transfers.

Best companies for PLN/THB transfers

11 of 11 providers

Last updated on 28 October 2026

Based on 30,000 PLN transfer

Best companies for PLN/THB transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 287,06 zł 1 PLN = 8.5278 THB 0.00% vs mid-market Recipient gets 253.385,71 ฿ Within an hour
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin an hourAvailable via:Bank Transfer
287,06 zł1 PLN = 8.5278 THB
253.385,71 ฿You pay30.000,00 zł
Promoted

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 8.4545 THB +0.86% vs mid-market Recipient gets 253.635,00 ฿ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 8.4545 THB
253.635,00 ฿You pay30.000,00 zł

Run a live search

Showing top Poland to Thailand 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 = 8.5064 THB +0.25% vs mid-market Recipient gets 255.191,48 ฿ Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 PLN = 8.5064 THB
255.191,48 ฿You pay30.000,00 zł
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 8.5047 THB +0.27% vs mid-market Recipient gets 255.140,32 ฿ Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 8.5047 THB
255.140,32 ฿You pay30.000,00 zł

TorFx

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 8.5021 THB +0.30% vs mid-market Recipient gets 255.063,57 ฿ Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 8.5021 THB
255.063,57 ฿You pay30.000,00 zł

TapTap Send

Pay via Debit card
Fee 0,00 zł 1 PLN = 8.5000 THB +0.33% vs mid-market Recipient gets 255.000,00 ฿ Minutes
Receive to bank account

Ways to receive money in Thailand with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 PLN = 8.5000 THB
255.000,00 ฿You pay30.000,00 zł

Currencies Direct

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 8.4726 THB +0.65% vs mid-market Recipient gets 254.178,00 ฿ Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

Ways to receive money in Thailand with Currencies Direct when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 8.4726 THB
254.178,00 ฿You pay30.000,00 zł

CurrencyFair

Pay via Bank transfer
Fee 14,66 zł 1 PLN = 8.4738 THB +0.63% vs mid-market Recipient gets 254.089,00 ฿ Minutes - 24 hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
14,66 zł1 PLN = 8.4738 THB
254.089,00 ฿You pay30.000,00 zł

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 8.4545 THB +0.86% vs mid-market Recipient gets 253.635,00 ฿ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 8.4545 THB
253.635,00 ฿You pay30.000,00 zł

Xe

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 8.4545 THB +0.86% vs mid-market Recipient gets 253.635,00 ฿ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 8.4545 THB
253.635,00 ฿You pay30.000,00 zł

Xe

Pay via Credit card
Fee 0,00 zł 1 PLN = 8.4545 THB +0.86% vs mid-market Recipient gets 253.635,00 ฿ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 8.4545 THB
253.635,00 ฿You pay30.000,00 zł

Wise

Pay via Bank transfer
Fee 287,06 zł 1 PLN = 8.5278 THB 0.00% vs mid-market Recipient gets 253.385,71 ฿ Within an hour
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin an hourAvailable via:Bank Transfer
287,06 zł1 PLN = 8.5278 THB
253.385,71 ฿You pay30.000,00 zł

Moneycorp

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 8.4083 THB +1.40% vs mid-market Recipient gets 252.249,43 ฿ Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 PLN = 8.4083 THB
252.249,43 ฿You pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 295,00 zł 1 PLN = 8.4897 THB +0.45% vs mid-market Recipient gets 252.185,46 ฿ Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
295,00 zł1 PLN = 8.4897 THB
252.185,46 ฿You 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.

Only available via Mobile App

WorldRemit

Pay via Debit card
Fee 0,00 zł 1 PLN = 8.4032 THB +1.47% vs mid-market Recipient gets 252.097,50 ฿ Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Thailand with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 PLN = 8.4032 THB
252.097,50 ฿You pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee 940,00 zł 1 PLN = 8.4897 THB +0.45% vs mid-market Recipient gets 246.709,63 ฿ Within minutes
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
940,00 zł1 PLN = 8.4897 THB
246.709,63 ฿You 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 = 8.5277 THB Updates every 60 minutes.

How to send money from Poland to Thailand

Pick a company

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

Key Currency was the cheapest on 25 of the 29 days it quoted zł30,000 transfers to Thailand.

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

Fund your transfer

You can fund your transfer to Thailand 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 Thailand?

How much PLN you send to Thailand 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 86% of the transfers from PLN 20,000 it quoted, and in 86% of all the transfers it quoted.

Cheapest service
2.000 zł-0.23%0,00 zł17.118,55 ฿with debit card to bank deposit+220,63 ฿
5.000 zł-0.28%0,00 zł42.796,38 ฿with debit card to bank deposit+514,43 ฿
10.000 zł-0.37%0,00 zł85.592,77 ฿with debit card to bank deposit+1.226,11 ฿
20.000 zł-0.32%0,00 zł171.185,54 ฿with debit card to bank deposit+2.068,21 ฿
30.000 złThis page0.25%0,00 zł255.191,48 ฿with bank transfer to bank deposit+1.891,83 ฿

Mid-market rate: 1 PLN = 8.5277 THB

PLN/THB Exchange Rate History

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

The cheapest way to send PLN to THB 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 Thailand.

THB received for 30.000 zł, after fees

Wed, 28 Oct 2026Mid-market rate255.831,06 ฿ Key Currency 255.191,48 ฿Key Currency255.191,48 ฿Regency FX255.140,32 ฿TorFx255.063,57 ฿

254.000
256.000
258.000
260.000
262.000
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7180 – 261.538,71 ฿
Key Currency Cheapest 8.6962 0,00 zł 260.884,86 ฿ −653,85 ฿
Regency FX 8.6944 0,00 zł 260.832,56 ฿ −706,15 ฿
TorFx 8.6918 0,00 zł 260.754,09 ฿ −784,62 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7163 – 261.488,58 ฿
Key Currency Cheapest 8.6945 0,00 zł 260.834,86 ฿ −653,72 ฿
Regency FX 8.6928 0,00 zł 260.782,56 ฿ −706,02 ฿
TorFx 8.6901 0,00 zł 260.704,11 ฿ −784,47 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.7099 – 261.297,00 ฿
Key Currency Cheapest 8.6881 0,00 zł 260.643,76 ฿ −653,24 ฿
Regency FX 8.6864 0,00 zł 260.591,50 ฿ −705,50 ฿
TorFx 8.6838 0,00 zł 260.513,11 ฿ −783,89 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6376 – 259.129,08 ฿
Key Currency Cheapest 8.6160 0,00 zł 258.481,26 ฿ −647,82 ฿
Regency FX 8.6143 0,00 zł 258.429,43 ฿ −699,65 ฿
TorFx 8.6117 0,00 zł 258.351,69 ฿ −777,39 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6043 – 258.130,26 ฿
Key Currency Cheapest 8.5828 0,00 zł 257.484,93 ฿ −645,33 ฿
Regency FX 8.5811 0,00 zł 257.433,31 ฿ −696,95 ฿
TorFx 8.5785 0,00 zł 257.355,87 ฿ −774,39 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6000 – 258.001,50 ฿
Key Currency Cheapest 8.5785 0,00 zł 257.356,50 ฿ −645,00 ฿
Regency FX 8.5768 0,00 zł 257.304,90 ฿ −696,60 ฿
TorFx 8.5742 0,00 zł 257.227,50 ฿ −774,00 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5985 – 257.955,90 ฿
Key Currency Cheapest 8.5770 0,00 zł 257.311,01 ฿ −644,89 ฿
Regency FX 8.5753 0,00 zł 257.259,42 ฿ −696,48 ฿
TorFx 8.5727 0,00 zł 257.182,03 ฿ −773,87 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6383 – 259.148,97 ฿
Key Currency Cheapest 8.6167 0,00 zł 258.501,10 ฿ −647,87 ฿
Regency FX 8.6150 0,00 zł 258.449,27 ฿ −699,70 ฿
TorFx 8.6124 0,00 zł 258.371,52 ฿ −777,45 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
CurrencyFair Cheapest 8.5714 125,00 zł 257.017,00 ฿ –
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 8.5987 – 257.961,48 ฿
Key Currency Cheapest 8.5772 0,00 zł 257.316,58 ฿ −644,90 ฿
Regency FX 8.5755 0,00 zł 257.264,98 ฿ −696,50 ฿
TorFx 8.5729 0,00 zł 257.187,60 ฿ −773,88 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5948 – 257.845,32 ฿
Key Currency Cheapest 8.5734 0,00 zł 257.200,71 ฿ −644,61 ฿
Regency FX 8.5716 0,00 zł 257.149,14 ฿ −696,18 ฿
TorFx 8.5691 0,00 zł 257.071,78 ฿ −773,54 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5662 – 256.986,42 ฿
Key Currency Cheapest 8.5448 0,00 zł 256.343,95 ฿ −642,47 ฿
Regency FX 8.5431 0,00 zł 256.292,56 ฿ −693,86 ฿
TorFx 8.5405 0,00 zł 256.215,46 ฿ −770,96 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5662 – 256.986,42 ฿
Key Currency Cheapest 8.5448 0,00 zł 256.343,95 ฿ −642,47 ฿
Regency FX 8.5431 0,00 zł 256.292,56 ฿ −693,86 ฿
TorFx 8.5405 0,00 zł 256.215,46 ฿ −770,96 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5776 – 257.327,07 ฿
Key Currency Cheapest 8.5561 0,00 zł 256.683,75 ฿ −643,32 ฿
Regency FX 8.5544 0,00 zł 256.632,29 ฿ −694,78 ฿
TorFx 8.5518 0,00 zł 256.555,09 ฿ −771,98 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5718 – 257.152,86 ฿
Key Currency Cheapest 8.5503 0,00 zł 256.509,98 ฿ −642,88 ฿
Regency FX 8.5486 0,00 zł 256.458,55 ฿ −694,31 ฿
TorFx 8.5460 0,00 zł 256.381,40 ฿ −771,46 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5764 – 257.291,28 ฿
Key Currency Cheapest 8.5549 0,00 zł 256.648,05 ฿ −643,23 ฿
Regency FX 8.5532 0,00 zł 256.596,59 ฿ −694,69 ฿
TorFx 8.5506 0,00 zł 256.519,41 ฿ −771,87 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6053 – 258.160,17 ฿
Key Currency Cheapest 8.5838 0,00 zł 257.514,77 ฿ −645,40 ฿
Regency FX 8.5821 0,00 zł 257.463,14 ฿ −697,03 ฿
TorFx 8.5795 0,00 zł 257.385,69 ฿ −774,48 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6079 – 258.236,19 ฿
Key Currency Cheapest 8.5864 0,00 zł 257.590,60 ฿ −645,59 ฿
Regency FX 8.5846 0,00 zł 257.538,95 ฿ −697,24 ฿
TorFx 8.5820 0,00 zł 257.461,48 ฿ −774,71 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6016 – 258.046,95 ฿
Key Currency Cheapest 8.5801 0,00 zł 257.401,83 ฿ −645,12 ฿
Regency FX 8.5783 0,00 zł 257.350,22 ฿ −696,73 ฿
TorFx 8.5758 0,00 zł 257.272,81 ฿ −774,14 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6016 – 258.046,95 ฿
Key Currency Cheapest 8.5801 0,00 zł 257.401,83 ฿ −645,12 ฿
Regency FX 8.5783 0,00 zł 257.350,22 ฿ −696,73 ฿
TorFx 8.5758 0,00 zł 257.272,81 ฿ −774,14 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6160 – 258.479,43 ฿
TapTap Send Cheapest 8.6000 0,00 zł 258.000,00 ฿ −479,43 ฿
Key Currency 8.5944 0,00 zł 257.833,23 ฿ −646,20 ฿
Regency FX 8.5927 0,00 zł 257.781,54 ฿ −697,89 ฿
TorFx 8.5901 0,00 zł 257.703,99 ฿ −775,44 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6272 – 258.814,83 ฿
Key Currency Cheapest 8.6056 0,00 zł 258.167,79 ฿ −647,04 ฿
Regency FX 8.6039 0,00 zł 258.116,03 ฿ −698,80 ฿
TorFx 8.6013 0,00 zł 258.038,39 ฿ −776,44 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6475 – 259.425,90 ฿
Key Currency Cheapest 8.6259 0,00 zł 258.777,34 ฿ −648,56 ฿
Regency FX 8.6242 0,00 zł 258.725,45 ฿ −700,45 ฿
TorFx 8.6216 0,00 zł 258.647,62 ฿ −778,28 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6652 – 259.955,19 ฿
TapTap Send Cheapest 8.6500 0,00 zł 259.500,00 ฿ −455,19 ฿
Key Currency 8.6435 0,00 zł 259.305,30 ฿ −649,89 ฿
Regency FX 8.6418 0,00 zł 259.253,31 ฿ −701,88 ฿
TorFx 8.6392 0,00 zł 259.175,32 ฿ −779,87 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5968 – 257.903,76 ฿
TapTap Send Cheapest 8.5900 0,00 zł 257.700,00 ฿ −203,76 ฿
Key Currency 8.5753 0,00 zł 257.259,00 ฿ −644,76 ฿
Regency FX 8.5736 0,00 zł 257.207,42 ฿ −696,34 ฿
TorFx 8.5710 0,00 zł 257.130,05 ฿ −773,71 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5930 – 257.789,70 ฿
Key Currency Cheapest 8.5715 0,00 zł 257.145,23 ฿ −644,47 ฿
Regency FX 8.5698 0,00 zł 257.093,67 ฿ −696,03 ฿
TorFx 8.5672 0,00 zł 257.016,33 ฿ −773,37 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5930 – 257.789,70 ฿
Key Currency Cheapest 8.5715 0,00 zł 257.145,23 ฿ −644,47 ฿
Regency FX 8.5698 0,00 zł 257.093,67 ฿ −696,03 ฿
TorFx 8.5672 0,00 zł 257.016,33 ฿ −773,37 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.6127 – 258.381,42 ฿
Key Currency Cheapest 8.5912 0,00 zł 257.735,47 ฿ −645,95 ฿
Regency FX 8.5895 0,00 zł 257.683,79 ฿ −697,63 ฿
TorFx 8.5869 0,00 zł 257.606,28 ฿ −775,14 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5454 – 256.361,61 ฿
TapTap Send Cheapest 8.5300 0,00 zł 255.900,00 ฿ −461,61 ฿
Key Currency 8.5240 0,00 zł 255.720,71 ฿ −640,90 ฿
Regency FX 8.5223 0,00 zł 255.669,43 ฿ −692,18 ฿
TorFx 8.5198 0,00 zł 255.592,53 ฿ −769,08 ฿
Exchange rateFeeRecipient getsDifference
Mid-market rate 8.5277 – 255.831,06 ฿
Key Currency Cheapest 8.5064 0,00 zł 255.191,48 ฿ −639,58 ฿
Regency FX 8.5047 0,00 zł 255.140,32 ฿ −690,74 ฿
TorFx 8.5021 0,00 zł 255.063,57 ฿ −767,49 ฿

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 THB 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 THB on every transfer from Poland.

Right now, Key Currency pays 255,191.48 THB on 30,000 PLN, which is 639.58 THB less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 260,884.86 THB.

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 Thailand.

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 86% 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 Thailand

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

TapTap Send charges 0 PLN on a zł30,000 transfer and delivers 255,000 THB in minutes, straight to the recipient's bank card or account.

Over the past month, TapTap Send was the cheapest app on 77% 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 THB.

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

Sending 30,000 PLN gets you 253,635 THB (after 0 fee and 0.86% markup).

In our comparisons over the past month, it was the cheapest online service on 8 of the 30 days it quoted.

Converting and spending

Multi-currency accounts

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

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

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

The best multi-currency account for holding PLN and THB is Currencies Direct.

For example, it converts zł30,000 at 0.65% markup and a small fee.

Over the past month, Currencies Direct 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 THB in Thailand

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 255,191.48 THB.

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

They can receive THB via bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay zł30,000.00

    ฿255,191

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay zł30,000.00

    ฿255,000

    -฿191

  3. 3
    Credit card Bank deposit

    You pay zł30,000.00

    ฿253,635

    -฿1,556

Consider this when sending PLN to Thailand

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

Compare PLN/THB transfer options

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

Cheapest way to send money to Thailand

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 255,191.48 THB, which is 0.02% more than the next best option.

Fastest way to send money to Thailand

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 252,185.46 THB, 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 11 of them on PLN to Thailand 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/THB 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.