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

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

Best companies for PLN/USD transfers

11 of 11 providers

Last updated on 10 November 2026

Based on 30,000 PLN transfer

Best companies for PLN/USD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 204,64 zł 1 PLN = 0.2564 USD 0.00% vs mid-market Recipient gets 7.640,72 $ Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
204,64 zł1 PLN = 0.2564 USD
7.640,72 $You pay30.000,00 zł
Promoted

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 0.2559 USD +0.21% vs mid-market Recipient gets 7.677,00 $ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 0.2559 USD
7.677,00 $You pay30.000,00 zł

Run a live search

Showing top Poland to United States deals for 30,000 PLN. Do a live search with your exact amount for today's best rates.

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 0.2559 USD +0.21% vs mid-market Recipient gets 7.677,00 $ Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 0.2559 USD
7.677,00 $You pay30.000,00 zł

Xe

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 0.2559 USD +0.21% vs mid-market Recipient gets 7.677,00 $ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 0.2559 USD
7.677,00 $You pay30.000,00 zł

Xe

Pay via Credit card
Fee 0,00 zł 1 PLN = 0.2559 USD +0.21% vs mid-market Recipient gets 7.677,00 $ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 0.2559 USD
7.677,00 $You pay30.000,00 zł
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 0.2558 USD +0.25% vs mid-market Recipient gets 7.674,15 $ Minutes - 3 days
Personal account managerReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 PLN = 0.2558 USD
7.674,15 $You pay30.000,00 zł
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 0.2557 USD +0.27% vs mid-market Recipient gets 7.672,61 $ Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 0.2557 USD
7.672,61 $You pay30.000,00 zł

TorFx

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 0.2557 USD +0.30% vs mid-market Recipient gets 7.670,30 $ Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 0.2557 USD
7.670,30 $You pay30.000,00 zł

Currencies Direct

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 0.2550 USD +0.57% vs mid-market Recipient gets 7.650,00 $ Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 0.2550 USD
7.650,00 $You pay30.000,00 zł

CurrencyFair

Pay via Bank transfer
Fee 15,60 zł 1 PLN = 0.2549 USD +0.60% vs mid-market Recipient gets 7.643,00 $ Minutes - 24 hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
15,60 zł1 PLN = 0.2549 USD
7.643,00 $You pay30.000,00 zł

Wise

Pay via Bank transfer
Fee 204,64 zł 1 PLN = 0.2564 USD 0.00% vs mid-market Recipient gets 7.640,72 $ Same day
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
204,64 zł1 PLN = 0.2564 USD
7.640,72 $You pay30.000,00 zł

TapTap Send

Pay via Debit card
Fee 0,00 zł 1 PLN = 0.2540 USD +0.96% vs mid-market Recipient gets 7.620,00 $ Minutes
Fastest
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 PLN = 0.2540 USD
7.620,00 $You pay30.000,00 zł
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee 0,00 zł 1 PLN = 0.2533 USD +1.23% vs mid-market Recipient gets 7.599,60 $ Minutes - 2 days
Receive to bank account or cash pickup

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 PLN = 0.2533 USD
7.599,60 $You pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 295,00 zł 1 PLN = 0.2555 USD +0.37% vs mid-market Recipient gets 7.589,95 $ Next day
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositNext day
295,00 zł1 PLN = 0.2555 USD
7.589,95 $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.

Moneycorp

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 0.2529 USD +1.40% vs mid-market Recipient gets 7.585,67 $ Minutes - 2 days

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 PLN = 0.2529 USD
7.585,67 $You pay30.000,00 zł
How Our Results Work
Mid-market rate: 1 PLN = 0.2564 USD Updates every 60 minutes.

How to send money from Poland to US

Pick a company

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

Xe was the cheapest on 6 of the 30 days it quoted zł30,000 transfers to the US.

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

Fund your transfer

You can fund your transfer to the United States 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 US?

How much PLN you send to the US 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 Xe was the cheapest in 20% of the transfers from PLN 20,000 it quoted, and in 20% of all the transfers it quoted.

Cheapest service
2.000 zł0.58%0,00 zł509,20 $with bank transfer to bank deposit+28,54 $
5.000 zł0.41%7,50 zł1.272,91 $with bank transfer to bank deposit+34,21 $
10.000 zł0.23%0,00 zł2.559,00 $with debit card to bank deposit+28,17 $
20.000 zł0.30%0,00 zł5.105,42 $with bank transfer to bank deposit+33,68 $
30.000 złThis page0.21%0,00 zł7.677,00 $with debit card to bank deposit+32,62 $

Mid-market rate: 1 PLN = 0.2564 USD

PLN/USD Exchange Rate History

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

The cheapest way to send PLN to USD 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 Xe), across 30 days of comparisons for 30,000 PLN transfers to the US.

USD received for 30.000 zł, after fees

Tue, 10 Nov 2026Mid-market rate7.693,38 $ Xe 7.677,00 $Xe7.677,00 $Key Currency7.674,15 $Regency FX7.672,61 $

7.450
7.500
7.550
7.600
7.650
7.700
7.750
At the mid-market rateWith the cheapest optionXeKey CurrencyRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2554 – 7.660,95 $
Key Currency Cheapest 0.2547 0,00 zł 7.641,80 $ −19,15 $
Regency FX 0.2547 0,00 zł 7.640,27 $ −20,68 $
Xe 0.2539 0,00 zł 7.617,00 $ −43,95 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2553 – 7.658,82 $
Key Currency Cheapest 0.2547 0,00 zł 7.639,67 $ −19,15 $
Regency FX 0.2546 0,00 zł 7.638,14 $ −20,68 $
Xe 0.2537 0,00 zł 7.611,00 $ −47,82 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2546 – 7.637,10 $
Key Currency Cheapest 0.2539 0,00 zł 7.618,01 $ −19,09 $
Regency FX 0.2539 0,00 zł 7.616,48 $ −20,62 $
Xe 0.2530 0,00 zł 7.590,00 $ −47,10 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2566 – 7.697,67 $
Key Currency Cheapest 0.2559 0,00 zł 7.678,43 $ −19,24 $
Regency FX 0.2559 0,00 zł 7.676,89 $ −20,78 $
Xe 0.2550 0,00 zł 7.650,00 $ −47,67 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2577 – 7.729,56 $
Key Currency Cheapest 0.2570 0,00 zł 7.710,24 $ −19,32 $
Regency FX 0.2570 0,00 zł 7.708,69 $ −20,87 $
Xe 0.2559 0,00 zł 7.677,00 $ −52,56 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2572 – 7.715,55 $
Key Currency Cheapest 0.2565 0,00 zł 7.696,26 $ −19,29 $
Regency FX 0.2565 0,00 zł 7.694,72 $ −20,83 $
Xe 0.2540 0,00 zł 7.620,00 $ −95,55 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2572 – 7.715,55 $
Key Currency Cheapest 0.2565 0,00 zł 7.696,26 $ −19,29 $
Regency FX 0.2565 0,00 zł 7.694,72 $ −20,83 $
Xe 0.2540 0,00 zł 7.620,00 $ −95,55 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2566 – 7.696,62 $
Key Currency Cheapest 0.2559 0,00 zł 7.677,38 $ −19,24 $
Regency FX 0.2559 0,00 zł 7.675,84 $ −20,78 $
Xe 0.2549 0,00 zł 7.647,00 $ −49,62 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2565 – 7.694,58 $
Key Currency Cheapest 0.2558 0,00 zł 7.675,34 $ −19,24 $
Regency FX 0.2558 0,00 zł 7.673,80 $ −20,78 $
Xe 0.2548 0,00 zł 7.644,00 $ −50,58 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2570 – 7.710,90 $
Key Currency Cheapest 0.2564 0,00 zł 7.691,62 $ −19,28 $
Regency FX 0.2563 0,00 zł 7.690,08 $ −20,82 $
Xe 0.2554 0,00 zł 7.662,00 $ −48,90 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2572 – 7.715,97 $
Key Currency Cheapest 0.2566 0,00 zł 7.696,68 $ −19,29 $
Regency FX 0.2565 0,00 zł 7.695,14 $ −20,83 $
Xe 0.2557 0,00 zł 7.671,00 $ −44,97 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2547 – 7.642,23 $
Key Currency Cheapest 0.2541 0,00 zł 7.623,12 $ −19,11 $
Regency FX 0.2541 0,00 zł 7.621,60 $ −20,63 $
Xe 0.2529 0,00 zł 7.587,00 $ −55,23 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2545 – 7.633,62 $
Key Currency Cheapest 0.2538 0,00 zł 7.614,54 $ −19,08 $
Regency FX 0.2538 0,00 zł 7.613,01 $ −20,61 $
Xe 0.2514 0,00 zł 7.542,00 $ −91,62 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2545 – 7.633,62 $
Key Currency Cheapest 0.2538 0,00 zł 7.614,54 $ −19,08 $
Regency FX 0.2538 0,00 zł 7.613,01 $ −20,61 $
Xe 0.2512 0,00 zł 7.536,00 $ −97,62 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2548 – 7.644,87 $
Key Currency Cheapest 0.2542 0,00 zł 7.625,76 $ −19,11 $
Regency FX 0.2541 0,00 zł 7.624,23 $ −20,64 $
Xe 0.2534 0,00 zł 7.602,00 $ −42,87 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2531 – 7.593,30 $
Key Currency Cheapest 0.2525 0,00 zł 7.574,32 $ −18,98 $
Regency FX 0.2524 0,00 zł 7.572,80 $ −20,50 $
Xe 0.2515 0,00 zł 7.545,00 $ −48,30 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2525 – 7.576,14 $
Key Currency Cheapest 0.2519 0,00 zł 7.557,20 $ −18,94 $
Xe 0.2519 0,00 zł 7.557,00 $ −19,14 $
Regency FX 0.2519 0,00 zł 7.555,68 $ −20,46 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2532 – 7.595,85 $
Xe Cheapest 0.2527 0,00 zł 7.581,00 $ −14,85 $
Key Currency 0.2526 0,00 zł 7.576,86 $ −18,99 $
Regency FX 0.2525 0,00 zł 7.575,34 $ −20,51 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2553 – 7.659,81 $
Xe Cheapest 0.2547 0,00 zł 7.641,00 $ −18,81 $
Key Currency 0.2547 0,00 zł 7.640,66 $ −19,15 $
Regency FX 0.2546 0,00 zł 7.639,13 $ −20,68 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2533 – 7.600,23 $
Key Currency Cheapest 0.2527 0,00 zł 7.581,23 $ −19,00 $
Regency FX 0.2527 0,00 zł 7.579,71 $ −20,52 $
Xe 0.2502 0,00 zł 7.506,00 $ −94,23 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2533 – 7.600,23 $
Key Currency Cheapest 0.2527 0,00 zł 7.581,23 $ −19,00 $
Regency FX 0.2527 0,00 zł 7.579,71 $ −20,52 $
Xe 0.2512 0,00 zł 7.536,00 $ −64,23 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2539 – 7.616,31 $
Xe Cheapest 0.2533 0,00 zł 7.599,00 $ −17,31 $
Key Currency 0.2532 0,00 zł 7.597,27 $ −19,04 $
Regency FX 0.2532 0,00 zł 7.595,75 $ −20,56 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2531 – 7.591,59 $
Key Currency Cheapest 0.2524 0,00 zł 7.572,61 $ −18,98 $
Xe 0.2524 0,00 zł 7.572,00 $ −19,59 $
Regency FX 0.2524 0,00 zł 7.571,09 $ −20,50 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2554 – 7.660,65 $
Key Currency Cheapest 0.2547 0,00 zł 7.641,50 $ −19,15 $
Xe 0.2547 0,00 zł 7.641,00 $ −19,65 $
Regency FX 0.2547 0,00 zł 7.639,97 $ −20,68 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2558 – 7.674,99 $
Xe Cheapest 0.2553 0,00 zł 7.659,00 $ −15,99 $
Key Currency 0.2552 0,00 zł 7.655,80 $ −19,19 $
Regency FX 0.2551 0,00 zł 7.654,27 $ −20,72 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2543 – 7.629,99 $
Xe Cheapest 0.2537 0,00 zł 7.611,00 $ −18,99 $
Key Currency 0.2537 0,00 zł 7.610,92 $ −19,07 $
Regency FX 0.2536 0,00 zł 7.609,39 $ −20,60 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2535 – 7.603,50 $
Key Currency Cheapest 0.2528 0,00 zł 7.584,49 $ −19,01 $
Regency FX 0.2528 0,00 zł 7.582,97 $ −20,53 $
Xe 0.2492 0,00 zł 7.476,00 $ −127,50 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2535 – 7.603,50 $
Key Currency Cheapest 0.2528 0,00 zł 7.584,49 $ −19,01 $
Regency FX 0.2528 0,00 zł 7.582,97 $ −20,53 $
Xe 0.2504 0,00 zł 7.512,00 $ −91,50 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2550 – 7.650,27 $
Key Currency Cheapest 0.2544 0,00 zł 7.631,14 $ −19,13 $
Regency FX 0.2543 0,00 zł 7.629,61 $ −20,66 $
Xe 0.2534 0,00 zł 7.602,00 $ −48,27 $
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2564 – 7.693,38 $
Xe Cheapest 0.2559 0,00 zł 7.677,00 $ −16,38 $
Key Currency 0.2558 0,00 zł 7.674,15 $ −19,23 $
Regency FX 0.2557 0,00 zł 7.672,61 $ −20,77 $

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 USD 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 USD on every transfer from Poland.

Right now, Xe pays 7,677 USD on 30,000 PLN, which is 16.38 USD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 7,710.24 USD.

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 the US.

We've tracked 146 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. XeAppeared in 117 comparisons

    Cheapest in 20% of them

  2. Key CurrencyAppeared in 30 comparisons

    Cheapest in 80% of them

  3. Regency FXAppeared in 30 comparisons

    Never the cheapest

Based on 146 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 Xe is the cheapest and gets you the most USD, but it was the cheapest in only 20% of the 117 comparisons it appeared in over the past month.

If it's a one-off transfer, go with Xe, since it's the cheapest right now.

Ways to send money from Poland to US

11 companies send money from Poland to the United States, across currency broker, app, online, multi-currency account, and global business 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 7,677 USD in minutes - 24 hours, straight to the recipient's bank card or account.

Over the past month, Xe was the cheapest app on 70% 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 USD.

The cheapest way to send money online from Poland to the United States is via Xe.

Sending 30,000 PLN gets you 7,677 USD (after 0 fee and 0.21% markup).

In our comparisons over the past month, it was the cheapest online service on 21 of the 30 days it quoted.

Converting and spending

Multi-currency accounts

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

This is useful for travelling to the United States, getting paid in USD, or pre-converting when PLN/USD rate is good.

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

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

For example, it converts zł30,000 at 0.57% markup and a small fee.

Over the past month, Currencies Direct came out cheapest among multi-currency accounts on 76% 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 USD in US

With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 7,677 USD.

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

They can receive USD via bank deposit.

  1. 1
    Debit card Bank deposit

    You pay zł30,000.00

    $7,677

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay zł30,000.00

    $7,677

    $0

  3. 3
    Credit card Bank deposit

    You pay zł30,000.00

    $7,677

    $0

Consider this when sending PLN to US

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

Compare PLN/USD transfer options

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

Cheapest way to send money to the United States

The cheapest option is Xe, funded by debit card with bank deposit for the payout. Your recipient gets 7,677 USD, which is 0.04% more than the next best option.

Fastest way to send money to the United States

The fastest option is TapTap Send. Pay by debit card and choose bank deposit for the payout. Your recipient gets 7,620 USD, with the money arriving in 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 the United States 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 146 comparisons across 5 amounts.

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